loanDepot vs SoFi Technologies
LDI and SOFI side by side, both in finance services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How LDI and SOFI compare
SoFi Technologies is the larger company, worth 131 times as much as loanDepot ($19.9B against $152M).
loanDepot grew revenue faster over the last twelve months (9.2% versus 5.5% for SoFi Technologies).
SoFi Technologies keeps more of each dollar of sales as profit, with a net margin of 120% compared with −6.8% at loanDepot.
SoFi Technologies scores higher on the StockData Score (10 against 4 for loanDepot), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | LDI | SOFI |
|---|---|---|
| Size and price | ||
| Market cap | $152M | $19.9B |
| Share price | $0.451 | $15.42 |
| Change, 1 year | −84.6% | −52.1% |
| Change, 5 years | −93.2% | −24.3% |
| Beta (5Y) | 1.56 | 2.05 |
| Employees | 4,700 | 6,100 |
| StockData Score | ||
| Total score | 4 | 10 (better) |
| Valuation score | 1 | 1 |
| Growth score | 1 | 2 (better) |
| Performance score | 2 | 3 (better) |
| Health score | 0 | 4 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | – | 28.0× |
| P/S | 0.1× (better) | 32.3× |
| P/B | – | 1.8× |
| P/FCF | 0.6× | – |
| FCF yield | 175% (better) | −52.9% |
| Fair value | – | $14.32 |
| Margin of safety | – | −7.7% |
| Growth | ||
| Revenue growth (TTM) | 9.2% (better) | 5.5% |
| Revenue growth, 5Y average | −22.7% | 43.1% (better) |
| Net income growth (TTM) | – | 15.2% |
| EPS growth (TTM) | – | 3.8% |
| Profitability | ||
| Gross margin | – | −20.4% |
| Net margin | −6.8% | 120% (better) |
| FCF margin | 21.4% (better) | −1709% |
| Return on equity | – | 7.4% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Altman Z-score | 0.06 | 0.22 (better) |
| Piotroski F-score | – | 3 |
| Dividends and buybacks | ||
| Dividend yield | – | 0.00% |
| Years of dividend growth | – | 0 |
| Buyback yield | – | −7.9% |
| Shareholder yield | 0.00% (better) | −7.9% |
| Ownership | ||
| Held by institutions | 15.9% | 50.7% |
| Held by insiders | 38.3% | 6.9% |
| Insider net buying, 12 months | −$8.4M | −$7.8M (better) |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 10.6% | 18.6% |
Go deeper
- LDI stock overview
- LDI income statement
- LDI valuation and score
- SOFI stock overview
- SOFI income statement
- SOFI valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.