loanDepot, Inc. (LDI) vs Velocity Financial, Inc. (VEL)
- loanDepot, Inc. LDI 0.53 −7.02%
- Velocity Financial, Inc. VEL 14.71 −0.68%
loanDepot, Inc. and Velocity Financial, Inc. are both Mortgage Finance companies. Velocity Financial, Inc. is the larger, with a market value of $584.7M against $191.7M — 3.0× the size. loanDepot, Inc. has negative trailing earnings, so its P/E is not meaningful; Velocity Financial, Inc. trades at 5.3×. Velocity Financial, Inc. grew revenue faster over the last twelve months: 32.4% against 11.4%. Velocity Financial, Inc. has the higher net margin (0.00% vs −5.52%) and the lower return on invested capital (0.00% vs 0.72%). Across the 17 metrics below, Velocity Financial, Inc. leads on 12 and loanDepot, Inc. on 5.
Valuation
Profitability
| Metric | LDI | VEL | Mortgage Finance median |
|---|---|---|---|
| Gross margin | 87.54% | 0.00% | 84.40% |
| Operating margin | 5.49% | 0.00% | 12.51% |
| Net margin | (5.52%) | 0.00% | (0.83%) |
| Free cash flow margin | (20.34%) | 0.00% | (45.06%) |
| Return on equity | (17.97%) | 16.02% | (1.16%) |
| Return on assets | (1.08%) | 1.47% | 0.38% |
| Return on invested capital | 0.72% | 0.00% | 0.36% |
Growth
Health
Dividend
Size
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