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LDI vs V

LDI
loanDepot, Inc.
BEARISH
Price
$1.66
Market Cap
$899.0M
Sector
Financial Services
AI Confidence
95%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
LDI
--
V
28.35
Forward P/E
LDI
5.53
V
20.79
P/B Ratio
LDI
1.6
V
15.09
P/S Ratio
LDI
0.88
V
14.08
EV/EBITDA
LDI
--
V
20.06

Profitability

Gross Margin
LDI
89.69%
V
97.78%
Operating Margin
LDI
-11.95%
V
68.3%
Profit Margin
LDI
-5.1%
V
50.23%
ROE
LDI
-24.09%
V
53.95%
ROA
LDI
-1.63%
V
18.36%

Growth

Revenue Growth
LDI
70.1%
V
14.6%
Earnings Growth
LDI
--
V
17.4%

Financial Health

Debt/Equity
LDI
15.86
V
0.55
Current Ratio
LDI
1.24
V
1.11
Quick Ratio
LDI
0.42
V
0.72

Dividends

Dividend Yield
LDI
--
V
0.89%
Payout Ratio
LDI
0.0%
V
22.91%

AI Verdict

LDI BEARISH

LDI exhibits severe financial distress, anchored by a Piotroski F-Score of 0/9, indicating a total failure across all fundamental health benchmarks. While the company shows impressive top-line revenue growth of 70.10% YoY, this is offset by chronic unprofitability, a negative ROE of -24.09%, and an alarming Debt/Equity ratio of 15.86. The combination of heavy insider selling by the CEO and a consistent pattern of missing earnings estimates suggests a precarious operational state. The stock is currently a high-risk speculative asset with significant insolvency risks.

Strengths
Strong YoY revenue growth of 70.10%
Positive Q/Q revenue growth of 26.07%
Low Price/Sales ratio of 0.88
Risks
Extreme leverage with a Debt/Equity ratio of 15.86
Critical fundamental weakness (Piotroski F-Score 0/9)
Chronic net losses and negative operating margins (-11.95%)
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

LDI vs V: Head-to-Head Comparison

This page compares loanDepot, Inc. (LDI) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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