FOA
Finance Of America Companies Inc.
Financial - Credit Services
Market Cap$214M
5Y Perf.-79.3%
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Stock Comparison
FOA vs LDI
Revenue, margins, valuation, and 5-year total return — side by side.
LDI
loanDepot, Inc.
Financial - Mortgages
Market Cap$472M
5Y Perf.-92.7%
FOA vs LDI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | FOA | LDI |
|---|---|---|
| Industry | Financial - Credit Services | Financial - Mortgages |
| Market Cap | $214M | $472M |
| Revenue (TTM) | $2.13B | $1.54B |
| Net Income (TTM) | $45M | $-78M |
| Gross Margin | 19.4% | 88.3% |
| Operating Margin | 5.3% | 13.2% |
| Forward P/E | 4.7x | 13.1x |
| Total Debt | $30.21B | $5.04B |
| Cash & Equiv. | $325M | $337M |
FOA vs LDI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
FOA
LDI
| Stock | Feb 21 | May 26 | Return |
|---|---|---|---|
| Finance Of America … (FOA) | 100 | 20.7 | -79.3% |
| loanDepot, Inc. (LDI) | 100 | 7.3 | -92.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: FOA vs LDI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: FOA leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. loanDepot, Inc. is the stronger pick specifically for growth and revenue expansion and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
FOA
Finance Of America Companies Inc.
The Banking Pick
FOA carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 0 yrs, beta 1.88, yield 0.1%
- -78.3% 10Y total return vs LDI's -89.4%
- Lower volatility, beta 1.88, current ratio 8.00x
Best for: income & stability and long-term compounding
LDI
loanDepot, Inc.
The Banking Pick
LDI is the clearest fit if your priority is growth exposure.
- Rev growth 37.6%, EPS growth 43.4%
- 37.6% NII/revenue growth vs FOA's 9.2%
- 0.8% yield, vs FOA's 0.1%
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | LDI | 37.6% NII/revenue growth vs FOA's 9.2% |
| Value | FOA | Lower P/E (4.7x vs 13.1x) |
| Quality / Margins | FOA | Efficiency ratio 0.1% vs LDI's 0.8% (lower = leaner) |
| Stability / Safety | FOA | Beta 1.88 vs LDI's 2.11 |
| Dividends | LDI | 0.8% yield, vs FOA's 0.1% |
| Momentum (1Y) | LDI | +24.8% vs FOA's -1.1% |
| Efficiency (ROA) | FOA | Efficiency ratio 0.1% vs LDI's 0.8% |
FOA vs LDI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2022
Segment breakdown not available.
FOA vs LDI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLFOALAGGINGLDI
LDIloanDepot, Inc.
2leads
FOAFinance Of America Co…
4leads
6 Total Categories
CATEGORYLEADERvs LDIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
FOA3/5
Valuation MetricsMultiples, price ratios, and targets
FOA3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
LDI5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
FOA5/6
Risk & VolatilityBeta, volatility, and downside exposure
FOA2/2
Analyst OutlookRatings, price targets, and dividends
LDI1/1
Income & Cash Flow (Last 12 Months)
FOA leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
FOA and LDI operate at a comparable scale, with $2.1B and $1.5B in trailing revenue. FOA is the more profitable business, keeping 2.1% of every revenue dollar as net income compared to LDI's -4.1%.
| Metric | FOAFinance Of Americ… | LDIloanDepot, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $2.1B | $1.5B |
| EBITDAEarnings before interest/tax | $576M | $64M |
| Net IncomeAfter-tax profit | $45M | -$78M |
| Free Cash FlowCash after capex | -$430M | -$725M |
| Gross MarginGross profit ÷ Revenue | +19.4% | +88.3% |
| Operating MarginEBIT ÷ Revenue | +5.3% | +13.2% |
| Net MarginNet income ÷ Revenue | +2.1% | -4.1% |
| FCF MarginFCF ÷ Revenue | -20.2% | -47.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +89.1% | -45.5% |
FOA leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
FOA leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
On an enterprise value basis, LDI's 22.5x EV/EBITDA is more attractive than FOA's 198.4x.
| Metric | FOAFinance Of Americ… | LDIloanDepot, Inc. |
|---|---|---|
| Market CapShares × price | $214M | $472M |
| Enterprise ValueMkt cap + debt − cash | $30.1B | $5.2B |
| Trailing P/EPrice ÷ TTM EPS | 1.77x | -4.70x |
| Forward P/EPrice ÷ next-FY EPS est. | 4.68x | 13.12x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 198.40x | 22.55x |
| Price / SalesMarket cap ÷ Revenue | 0.10x | 0.31x |
| Price / BookPrice ÷ Book value/share | 0.45x | 0.77x |
| Price / FCFMarket cap ÷ FCF | — | — |
FOA leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
LDI leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
FOA delivers a 11.1% return on equity — every $100 of shareholder capital generates $11 in annual profit, vs $-20 for LDI. LDI carries lower financial leverage with a 13.05x debt-to-equity ratio, signaling a more conservative balance sheet compared to FOA's 76.35x. On the Piotroski fundamental quality scale (0–9), FOA scores 7/9 vs LDI's 4/9, reflecting strong financial health.
| Metric | FOAFinance Of Americ… | LDIloanDepot, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +11.1% | -19.6% |
| ROA (TTM)Return on assets | +0.1% | -1.2% |
| ROICReturn on invested capital | +0.3% | +2.7% |
| ROCEReturn on capital employed | +0.4% | +6.2% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 4 |
| Debt / EquityFinancial leverage | 76.35x | 13.05x |
| Net DebtTotal debt minus cash | $29.9B | $4.7B |
| Cash & Equiv.Liquid assets | $325M | $337M |
| Total DebtShort + long-term debt | $30.2B | $5.0B |
| Interest CoverageEBIT ÷ Interest expense | 0.31x | 0.10x |
LDI leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
FOA leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FOA five years ago would be worth $1,922 today (with dividends reinvested), compared to $1,158 for LDI. Over the past 12 months, LDI leads with a +24.8% total return vs FOA's -1.1%. The 3-year compound annual growth rate (CAGR) favors FOA at 9.6% vs LDI's -6.0% — a key indicator of consistent wealth creation.
| Metric | FOAFinance Of Americ… | LDIloanDepot, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -6.2% | -32.5% |
| 1-Year ReturnPast 12 months | -1.1% | +24.8% |
| 3-Year ReturnCumulative with dividends | +31.6% | -17.1% |
| 5-Year ReturnCumulative with dividends | -80.8% | -88.4% |
| 10-Year ReturnCumulative with dividends | -78.3% | -89.4% |
| CAGR (3Y)Annualised 3-year return | +9.6% | -6.0% |
FOA leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
FOA leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
FOA is the less volatile stock with a 1.88 beta — it tends to amplify market swings less than LDI's 2.11 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. FOA currently trades 71.2% from its 52-week high vs LDI's 27.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | FOAFinance Of Americ… | LDIloanDepot, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.88x | 2.11x |
| 52-Week HighHighest price in past year | $29.58 | $5.05 |
| 52-Week LowLowest price in past year | $15.80 | $1.04 |
| % of 52W HighCurrent price vs 52-week peak | +71.2% | +27.9% |
| RSI (14)Momentum oscillator 0–100 | 56.0 | 39.5 |
| Avg Volume (50D)Average daily shares traded | 90K | 2.2M |
FOA leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
LDI leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates FOA as "Hold" and LDI as "Hold". Consensus price targets imply 47.5% upside for LDI (target: $2) vs 40.1% for FOA (target: $30). For income investors, LDI offers the higher dividend yield at 0.83% vs FOA's 0.11%.
| Metric | FOAFinance Of Americ… | LDIloanDepot, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $29.50 | $2.08 |
| # AnalystsCovering analysts | 5 | 12 |
| Dividend YieldAnnual dividend ÷ price | +0.1% | +0.8% |
| Dividend StreakConsecutive years of raises | 0 | 0 |
| Dividend / ShareAnnual DPS | $0.02 | $0.01 |
| Buyback YieldShare repurchases ÷ mkt cap | +18.8% | +2.0% |
LDI leads this category, winning 1 of 1 comparable metric.
Key Takeaway
FOA leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). LDI leads in 2 (Profitability & Efficiency, Analyst Outlook).
Best OverallFinance Of America Companie… (FOA)Leads 4 of 6 categories
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FOA vs LDI: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is FOA or LDI a better buy right now?
For growth investors, loanDepot, Inc.
(LDI) is the stronger pick with 37. 6% revenue growth year-over-year, versus 9. 2% for Finance Of America Companies Inc. (FOA). Finance Of America Companies Inc. (FOA) offers the better valuation at 1. 8x trailing P/E (4. 7x forward), making it the more compelling value choice. Analysts rate Finance Of America Companies Inc. (FOA) a "Hold" — based on 5 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — FOA or LDI?
On forward P/E, Finance Of America Companies Inc.
is actually cheaper at 4. 7x.
03Which is the better long-term investment — FOA or LDI?
Over the past 5 years, Finance Of America Companies Inc.
(FOA) delivered a total return of -80. 8%, compared to -88. 4% for loanDepot, Inc. (LDI). Over 10 years, the gap is even starker: FOA returned -78. 3% versus LDI's -89. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — FOA or LDI?
By beta (market sensitivity over 5 years), Finance Of America Companies Inc.
(FOA) is the lower-risk stock at 1. 88β versus loanDepot, Inc. 's 2. 11β — meaning LDI is approximately 13% more volatile than FOA relative to the S&P 500. On balance sheet safety, loanDepot, Inc. (LDI) carries a lower debt/equity ratio of 13% versus 76% for Finance Of America Companies Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — FOA or LDI?
By revenue growth (latest reported year), loanDepot, Inc.
(LDI) is pulling ahead at 37. 6% versus 9. 2% for Finance Of America Companies Inc. (FOA). On earnings-per-share growth, the picture is similar: Finance Of America Companies Inc. grew EPS 660. 3% year-over-year, compared to 43. 4% for loanDepot, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — FOA or LDI?
Finance Of America Companies Inc.
(FOA) is the more profitable company, earning 2. 1% net margin versus -4. 1% for loanDepot, Inc. — meaning it keeps 2. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: LDI leads at 13. 2% versus 5. 3% for FOA. At the gross margin level — before operating expenses — LDI leads at 88. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is FOA or LDI more undervalued right now?
On forward earnings alone, Finance Of America Companies Inc.
(FOA) trades at 4. 7x forward P/E versus 13. 1x for loanDepot, Inc. — 8. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for LDI: 47. 5% to $2. 08.
08Which pays a better dividend — FOA or LDI?
All stocks in this comparison pay dividends.
loanDepot, Inc. (LDI) offers the highest yield at 0. 8%, versus 0. 1% for Finance Of America Companies Inc. (FOA).
09Is FOA or LDI better for a retirement portfolio?
For long-horizon retirement investors, loanDepot, Inc.
(LDI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (0. 8% yield). Finance Of America Companies Inc. (FOA) carries a higher beta of 1. 88 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (LDI: -89. 4%, FOA: -78. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between FOA and LDI?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: FOA is a small-cap deep-value stock; LDI is a small-cap high-growth stock. LDI pays a dividend while FOA does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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