stockrowloanDepot, Inc. (LDI) vs PennyMac Financial Services, Inc. (PFSI)
- loanDepot, Inc. LDI 0.64 +1.59%
- PennyMac Financial Services, Inc. PFSI 65.59 −2.24%
loanDepot, Inc. and PennyMac Financial Services, Inc. are both Mortgage Finance companies. PennyMac Financial Services, Inc. is the larger, with a market value of $3.5B against $211.5M — 16.5× the size. loanDepot, Inc. has negative trailing earnings, so its P/E is not meaningful; PennyMac Financial Services, Inc. trades at 14.2×. loanDepot, Inc. grew revenue faster over the last twelve months: 11.4% against 3.54%. PennyMac Financial Services, Inc. has the higher net margin (11.7% vs −5.52%) and the higher return on invested capital (1.51% vs 0.72%). Across the 18 metrics below, PennyMac Financial Services, Inc. leads on 12 and loanDepot, Inc. on 6.
Valuation
Profitability
| Metric | LDI | PFSI | Mortgage Finance median |
|---|---|---|---|
| Gross margin | 87.54% | 76.78% | 81.25% |
| Operating margin | 5.49% | 20.37% | 1.91% |
| Net margin | (5.52%) | 11.69% | (1.66%) |
| Free cash flow margin | (20.34%) | (15.01%) | (15.01%) |
| Return on equity | (17.97%) | 5.59% | (1.94%) |
| Return on assets | (1.08%) | 0.87% | (0.23%) |
| Return on invested capital | 0.72% | 1.51% | 0.00% |
Growth
Health
Dividend
Size
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