loanDepot (LDI) Competitors

Bread Financial (NYSE:BFH) and loanDepot (NYSE:LDI) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, profitability, valuation, community ranking, risk, institutional ownership, earnings, analyst recommendations and media sentiment.

Does the media prefer BFH or LDI?

In the previous week, Bread Financial had 9 more articles in the media than loanDepot. MarketBeat recorded 15 mentions for Bread Financial and 6 mentions for loanDepot. Bread Financial's average media sentiment score of 0.83 beat loanDepot's score of 0.46 indicating that Bread Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Bread Financial	6 Very Positive mention(s)	3 Positive mention(s)	5 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
loanDepot	2 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Is BFH or LDI more profitable?

Bread Financial has a net margin of 6.37% compared to loanDepot's net margin of -8.95%. Bread Financial's return on equity of 13.33% beat loanDepot's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Bread Financial	6.37%	13.33%	1.82%
loanDepot	-8.95%	-14.66%	-1.49%

Do analysts prefer BFH or LDI?

Bread Financial currently has a consensus target price of $50.00, suggesting a potential downside of 12.23%. loanDepot has a consensus target price of $2.60, suggesting a potential upside of 11.59%. Given loanDepot's higher possible upside, analysts clearly believe loanDepot is more favorable than Bread Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bread Financial	3 Sell rating(s)	9 Hold rating(s)	5 Buy rating(s)	0 Strong Buy rating(s)	2.12
loanDepot	1 Sell rating(s)	2 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	1.67

Which has higher earnings and valuation, BFH or LDI?

Bread Financial has higher revenue and earnings than loanDepot. loanDepot is trading at a lower price-to-earnings ratio than Bread Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bread Financial	$5.17B	0.55	$718M	$6.28	9.07
loanDepot	$974.02M	0.78	-$110.14M	-$0.52	-4.48

Do insiders & institutionals have more ownership in BFH or LDI?

99.5% of Bread Financial shares are owned by institutional investors. Comparatively, 39.4% of loanDepot shares are owned by institutional investors. 0.6% of Bread Financial shares are owned by company insiders. Comparatively, 83.0% of loanDepot shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Does the MarketBeat Community believe in BFH or LDI?

loanDepot received 15 more outperform votes than Bread Financial when rated by MarketBeat users. Likewise, 35.80% of users gave loanDepot an outperform vote while only 19.72% of users gave Bread Financial an outperform vote.

Company	Underperform	Outperform
Bread Financial	Outperform Votes 14 19.72%	Underperform Votes 57 80.28%
loanDepot	Outperform Votes 29 35.80%	Underperform Votes 52 64.20%

Which has more volatility and risk, BFH or LDI?

Bread Financial has a beta of 1.94, indicating that its share price is 94% more volatile than the S&P 500. Comparatively, loanDepot has a beta of 3.46, indicating that its share price is 246% more volatile than the S&P 500.

Summary

Bread Financial beats loanDepot on 12 of the 18 factors compared between the two stocks.