loanDepot, Inc. (LDI) vs PennyMac Financial Services, Inc. (PFSI)
- loanDepot, Inc. LDI 0.53 −7.02%
- PennyMac Financial Services, Inc. PFSI 60.32 −1.42%
loanDepot, Inc. and PennyMac Financial Services, Inc. are both Mortgage Finance companies. PennyMac Financial Services, Inc. is the larger, with a market value of $3.2B against $191.7M — 16.6× the size. loanDepot, Inc. has negative trailing earnings, so its P/E is not meaningful; PennyMac Financial Services, Inc. trades at 8.0×. PennyMac Financial Services, Inc. grew revenue faster over the last twelve months: 25.9% against 11.4%. PennyMac Financial Services, Inc. has the higher net margin (17.7% vs −5.52%) and the higher return on invested capital (2.17% 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% | 78.95% | 84.40% |
| Operating margin | 5.49% | 27.59% | 12.51% |
| Net margin | (5.52%) | 17.73% | (0.83%) |
| Free cash flow margin | (20.34%) | (83.74%) | (45.06%) |
| Return on equity | (17.97%) | 9.38% | (1.16%) |
| Return on assets | (1.08%) | 1.45% | 0.38% |
| Return on invested capital | 0.72% | 2.17% | 0.36% |
Growth
Health
Dividend
Size
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