LDI
loanDepot, Inc.
There isn't enough reported data to score LDI yet.
SOFI
SoFi Technologies, Inc.
SOFI's fundamentals are strong and it looks cheap: trading at 28x earnings, below its usual 43x. Analysts expect strong earnings growth.
LDI Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Under pressure | |
| N/A | |
| N/A |
LDI's profitability is currently under pressure. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like LDI.
SOFI Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
SOFI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like SOFI.
LDI PE Valuation
LDI has no meaningful PE right now: it lost money over the past year.
SOFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 19x | $15.63 | — |
| Current | 28x | $15.63 | — |
| Cheap | 33x | $18.24 | +17% |
| Fair | 43x | $23.82 | +52% |
| Expensive | 53x | $29.74 | +90% |
Historical ranges are pointers, not guarantees.
SOFI's PE is in its cheap range at 28x. If earnings grow as analysts expect, today's price would be 19x next year's earnings.
LDI Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses growing | |
| Decline | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect LDI's losses to grow, with revenue declining.
SOFI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
SOFI has the edge over LDI on the outlook, with more favorable earnings and revenue expectations.
LDI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q4 2024 | -$0.53 | +$0.10 |
| Q3 2024 | -$0.52 | +$0.42 |
| Q2 2024 | -$0.62 | +$0.60 |
| Q1 2024 | -$0.57 | +$1.18 |
| Q4 2023 | -$0.63 | +$1.12 |
| Q3 2023 | -$0.94 | +$0.30 |
| Q2 2023 | -$1.22 | -$0.75 |
| Q1 2023 | -$1.75 | -773% |
SOFI has the stronger earnings trend. Trailing diluted EPS is down 184% for LDI versus SOFI flat.
SOFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.82 | +47% |
| Q3 2026 | $0.56 | 0% |
| Q2 2026 | $0.49 | -2% |
| Q1 2026 | $0.45 | +4.7% |
| Q4 2025 | $0.39 | 0% |
| Q3 2025 | $0.56 | +367% |
| Q2 2025 | $0.50 | +$0.72 |
| Q1 2025 | $0.43 | +$0.72 |
| Q4 2024 | $0.39 | +$0.75 |
SOFI earned $0.56 per share over the past year, about the same as the year before.
LDI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2024 | $257.5M | +13% |
| Q3 2024 | $314.6M | +18% |
| Q2 2024 | $265.4M | -2.4% |
| Q1 2024 | $222.8M | +7.2% |
| Q4 2023 | $228.6M | +35% |
| Q3 2023 | $265.7M | -3.1% |
| Q2 2023 | $271.8M | -12% |
| Q1 2023 | $207.9M | -59% |
SOFI has the stronger quarterly revenue trend. Revenue is up 16% for LDI versus up 44% for SOFI.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -9.3% | N/A |
| Q2 2026 | -2% | N/A |
| Q4 2024 | -33% | -0.3 points |
| Q3 2024 | 1.1% | +16 points |
| Q2 2024 | -29% | -7.6 points |
| Q1 2024 | -38% | +13 points |
| Q4 2023 | -32% | +70 points |
| Q3 2023 | -15% | +44 points |
LDI's operating margin was −9.3% last quarter, up 20 points from the same quarter a year ago.
SOFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +44% |
| Q2 2026 | $1.2B | +43% |
| Q1 2026 | $1.1B | +43% |
| Q4 2025 | $1B | +40% |
| Q3 2025 | $961.6M | +38% |
| Q2 2025 | $854.9M | +43% |
| Q1 2025 | $771.8M | +20% |
| Q4 2024 | $734.1M | +19% |
SOFI's revenue has grown year over year every quarter since mid-2022: $1.4B last quarter, up 44% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 23% | +7.5 points |
| Q2 2026 | 17% | +3.6 points |
| Q1 2026 | 18% | +7.8 points |
| Q4 2025 | 18% | +9.9 points |
| Q3 2025 | 15% | +6.3 points |
| Q2 2025 | 13% | +11 points |
| Q1 2025 | 10% | -4.3 points |
| Q4 2024 | 8.2% | -0.2 points |
SOFI has the edge over LDI on profitability, with a higher operating margin.
LDI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2024 | $33.6M | +$243.4M |
| Q3 2024 | -$356.4M | -325% |
| Q2 2024 | -$285.7M | +$57M |
| Q1 2024 | -$283.3M | -242% |
| Q4 2023 | -$209.7M | -621% |
| Q3 2023 | $158.5M | -91% |
| Q2 2023 | -$342.7M | -123% |
| Q1 2023 | $199.1M | -82% |
LDI has the stronger cash trend. Its trailing FCF is down 24% versus its history, compared with SOFI at down 107%.
SOFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$3.1B | -$1.7B |
| Q2 2026 | -$4B | -$2.5B |
| Q1 2026 | -$2.4B | -$2.4B |
| Q4 2025 | -$1.1B | -$815.2M |
| Q3 2025 | -$1.4B | -$149M |
| Q2 2025 | -$1.5B | -$1B |
| Q1 2025 | -$31.1M | -104% |
| Q4 2024 | -$242.4M | +$39.9M |
SOFI's free cash flow was −$10.5B over the past year, against −$3.2B the year before. Free cash flow isn't a meaningful measure for financial services companies like SOFI.
LDI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +669K shares |
| 1 year | -28% | -92.4M shares |
| 3 years | +67% | +93.3M shares |
LDI has the edge over SOFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2021 | — |
| Q1 2021 | — |
SOFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +5.8M shares |
| 1 year | +5.2% | +66.8M shares |
| 3 years | +43% | +407M shares |
| 5 years | +272% | +993M shares |
SOFI has 1.4B diluted shares, up 5.2% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | — |
| Q4 2021 | — |
| Q3 2021 | — |
LDI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2022 | 9.0x | High |
| Q4 2021 | 1.7x | Healthy |
LDI's net debt is about 9.0 years of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like LDI.
SOFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.4x | Net Cash |
| Q2 2026 | -3.1x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.5x | Net Cash |
| Q3 2025 | -5.2x | Net Cash |
| Q2 2025 | -4.0x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -5.8x | Net Cash |
SOFI has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like SOFI.
LDI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 28.2 | Oversold |
| Stochastic | 12.2 | Oversold |
LDI's weekly RSI is 28 (oversold) and its Stochastic is 12 (oversold).
SOFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.1 | Neutral |
| Stochastic | 41.5 | Neutral |
SOFI's weekly RSI is 43 (neutral) and its Stochastic is 41 (neutral).
LDI PE vs Financial Services Sector
| Metric | LDI | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
LDI has no meaningful PE right now: it lost money over the past year.
SOFI PE vs Financial Services Sector
| Metric | SOFI | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 114% above |
| PE % | 2 | 61 | 59 pts below |
SOFI is trading at 28x earnings, a 114% premium to the Financial Services sector's median of 13x.
LDI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $0.59 | 24% below |
| 20 week MA | $0.81 | 44% below |
| 50 week MA | $1.42 | 68% below |
| 100 week MA | $1.68 | 73% below |
| 200 week MA | $1.93 | 77% below |
LDI is in a downtrend: it's below all five of its weekly moving averages, and 77% below its 200-week average.
SOFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $15.7 | 0.7% below |
| 20 week MA | $17.0 | 7.8% below |
| 50 week MA | $18.9 | 17% below |
| 100 week MA | $18.9 | 17% below |
| 200 week MA | $13.5 | 16% above |
SOFI has the edge over LDI on trend strength, trading above more of its moving averages.
LDI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $31.5 | $4.76 | -85% |
| 2022 | $4.76 | $1.57 | -67% |
| 2023 | $1.57 | $3.52 | +124% |
| 2024 | $3.52 | $1.93 | -45% |
| 2025 | $1.93 | $2.12 | +9.8% |
| 2026 YTD | $2.12 | $0.45 | -79% |
LDI's yearly returns have swung widely, from +124% in 2023 to −85% in 2021. It's down 79% so far in 2026.
SOFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $10.4 | $12.4 | +19% |
| 2021 | $12.4 | $15.1 | +22% |
| 2022 | $15.1 | $4.61 | -69% |
| 2023 | $4.61 | $9.95 | +116% |
| 2024 | $9.95 | $16.0 | +61% |
| 2025 | $16.0 | $27.1 | +69% |
| 2026 YTD | $27.1 | $15.6 | -42% |
SOFI has the edge over LDI on returns for 2026, with the stronger performance.