CNFinance Holdings Limited Sponsored ADR (CNF) vs loanDepot, Inc. (LDI)

CNFinance Holdings Limited Sponsored ADR and loanDepot, Inc. are both Mortgage Finance companies. loanDepot, Inc. is the larger, with a market value of $191.7M against $13.5M — 14.3× the size. loanDepot, Inc. has negative trailing earnings, so its P/E is not meaningful; CNFinance Holdings Limited Sponsored ADR trades at 0.6×. loanDepot, Inc. grew revenue faster over the last twelve months: 11.4% against −7.19%. CNFinance Holdings Limited Sponsored ADR has the higher net margin (8.88% vs −5.52%) and the lower return on invested capital (0.00% vs 0.72%). Across the 17 metrics below, CNFinance Holdings Limited Sponsored ADR leads on 12 and loanDepot, Inc. on 5.

Valuation

Metric CNF LDI Mortgage Finance median
P/E 0.57 n/m 6.65
P/S 0.05 0.10 1.42
P/B 0.03 0.37 0.46
Price to free cash flow 0.08 n/m 6.32
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 175.26% (56.60%) 2.41%
Free cash flow yield 1,308.68% (208.31%) (19.29%)

Profitability

Metric CNF LDI Mortgage Finance median
Gross margin 61.00% 87.54% 84.40%
Operating margin 0.00% 5.49% 12.51%
Net margin 8.88% (5.52%) (0.83%)
Free cash flow margin 0.00% (20.34%) (45.06%)
Return on equity 0.00% (17.97%) (1.16%)
Return on assets 0.00% (1.08%) 0.38%
Return on invested capital 0.00% 0.72% 0.36%

Growth

Metric CNF LDI Mortgage Finance median
Revenue growth (TTM) (7.19%) 11.44% 11.44%
EPS growth (last fiscal year) (1,282.50%) 43.40% 6.60%
Revenue growth, 5-year CAGR (19.48%) (22.71%) (11.16%)
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric CNF LDI Mortgage Finance median
Debt to equity 0.95 17.94 1.22
Current ratio 1,057.43 1.11 1.38
Net debt to EBITDA 0.00 48.55 9.85

Dividend

Metric CNF LDI Mortgage Finance median
Dividend yield — — 8.31%
Payout ratio — — —

Size

Metric CNF LDI Mortgage Finance median
Market cap 13.45m 191.74m 198.15m

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