PFSI
PennyMac Financial Services, Inc.
Financial - Mortgages
Market Cap$4.56B
5Y Perf.+46.8%
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Stock Comparison
PFSI vs LDI
Revenue, margins, valuation, and 5-year total return — side by side.
LDI
loanDepot, Inc.
Financial - Mortgages
Market Cap$499M
5Y Perf.-92.8%
PFSI vs LDI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PFSI | LDI |
|---|---|---|
| Industry | Financial - Mortgages | Financial - Mortgages |
| Market Cap | $4.56B | $499M |
| Revenue (TTM) | $4.36B | $1.54B |
| Net Income (TTM) | $507M | $-63M |
| Gross Margin | 91.4% | 88.3% |
| Operating Margin | 34.6% | 13.2% |
| Forward P/E | 7.0x | 13.0x |
| Total Debt | $23.06B | $5.04B |
| Cash & Equiv. | $302M | $337M |
PFSI vs LDI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PFSI
LDI
| Stock | Feb 21 | May 26 | Return |
|---|---|---|---|
| PennyMac Financial … (PFSI) | 100 | 146.8 | +46.8% |
| loanDepot, Inc. (LDI) | 100 | 7.2 | -92.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PFSI vs LDI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PFSI leads in 6 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. loanDepot, Inc. is the stronger pick specifically for recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
PFSI
PennyMac Financial Services, Inc.
The Banking Pick
PFSI carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 2 yrs, beta 0.93, yield 1.3%
- Rev growth 173.8%, EPS growth 59.2%
- 6.0% 10Y total return vs LDI's -89.0%
Best for: income & stability and growth exposure
LDI
loanDepot, Inc.
The Banking Pick
LDI is the clearest fit if your priority is momentum.
- +38.0% vs PFSI's -9.2%
Best for: momentum
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | PFSI | 173.8% NII/revenue growth vs LDI's 37.6% |
| Value | PFSI | Lower P/E (7.0x vs 13.0x) |
| Quality / Margins | PFSI | Efficiency ratio 0.6% vs LDI's 0.8% (lower = leaner) |
| Stability / Safety | PFSI | Beta 0.93 vs LDI's 2.11, lower leverage |
| Dividends | PFSI | 1.3% yield, 2-year raise streak, vs LDI's 0.8% |
| Momentum (1Y) | LDI | +38.0% vs PFSI's -9.2% |
| Efficiency (ROA) | PFSI | Efficiency ratio 0.6% vs LDI's 0.8% |
PFSI vs LDI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
Segment breakdown not available.
PFSI vs LDI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPFSILAGGINGLDI
LDIloanDepot, Inc.
1leads
PFSIPennyMac Financial Se…
5leads
6 Total Categories
CATEGORYLEADERvs LDIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PFSI4/5
Valuation MetricsMultiples, price ratios, and targets
LDI3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PFSI6/8
Total Returns1Y, 3Y, 5Y total returns with dividends
PFSI4/6
Risk & VolatilityBeta, volatility, and downside exposure
PFSI2/2
Analyst OutlookRatings, price targets, and dividends
PFSI2/2
Income & Cash Flow (Last 12 Months)
PFSI leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
PFSI is the larger business by revenue, generating $4.4B annually — 2.8x LDI's $1.5B. PFSI is the more profitable business, keeping 11.5% of every revenue dollar as net income compared to LDI's -4.1%.
| Metric | PFSIPennyMac Financia… | LDIloanDepot, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $4.4B | $1.5B |
| EBITDAEarnings before interest/tax | $1.0B | -$2M |
| Net IncomeAfter-tax profit | $507M | -$63M |
| Free Cash FlowCash after capex | -$3.8B | -$735M |
| Gross MarginGross profit ÷ Revenue | +91.4% | +88.3% |
| Operating MarginEBIT ÷ Revenue | +34.6% | +13.2% |
| Net MarginNet income ÷ Revenue | +11.5% | -4.1% |
| FCF MarginFCF ÷ Revenue | -32.4% | -47.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +7.7% | +41.2% |
PFSI leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
LDI leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
On an enterprise value basis, PFSI's 18.1x EV/EBITDA is more attractive than LDI's 22.7x.
| Metric | PFSIPennyMac Financia… | LDIloanDepot, Inc. |
|---|---|---|
| Market CapShares × price | $4.6B | $499M |
| Enterprise ValueMkt cap + debt − cash | $27.3B | $5.2B |
| Trailing P/EPrice ÷ TTM EPS | 9.41x | -4.97x |
| Forward P/EPrice ÷ next-FY EPS est. | 7.04x | 13.02x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 18.07x | 22.66x |
| Price / SalesMarket cap ÷ Revenue | 1.05x | 0.32x |
| Price / BookPrice ÷ Book value/share | 1.09x | 0.81x |
| Price / FCFMarket cap ÷ FCF | — | — |
LDI leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
PFSI leads this category, winning 6 of 8 comparable metrics.
Profitability & Efficiency
PFSI delivers a 12.0% return on equity — every $100 of shareholder capital generates $12 in annual profit, vs $-15 for LDI. PFSI carries lower financial leverage with a 5.35x debt-to-equity ratio, signaling a more conservative balance sheet compared to LDI's 13.05x.
| Metric | PFSIPennyMac Financia… | LDIloanDepot, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +12.0% | -14.5% |
| ROA (TTM)Return on assets | +1.8% | -1.0% |
| ROICReturn on invested capital | +4.4% | +2.7% |
| ROCEReturn on capital employed | +10.4% | +6.2% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 4 |
| Debt / EquityFinancial leverage | 5.35x | 13.05x |
| Net DebtTotal debt minus cash | $22.8B | $4.7B |
| Cash & Equiv.Liquid assets | $302M | $337M |
| Total DebtShort + long-term debt | $23.1B | $5.0B |
| Interest CoverageEBIT ÷ Interest expense | 0.96x | -0.11x |
PFSI leads this category, winning 6 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
PFSI leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PFSI five years ago would be worth $15,353 today (with dividends reinvested), compared to $987 for LDI. Over the past 12 months, LDI leads with a +38.0% total return vs PFSI's -9.2%. The 3-year compound annual growth rate (CAGR) favors PFSI at 15.7% vs LDI's -4.3% — a key indicator of consistent wealth creation.
| Metric | PFSIPennyMac Financia… | LDIloanDepot, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -33.3% | -28.7% |
| 1-Year ReturnPast 12 months | -9.2% | +38.0% |
| 3-Year ReturnCumulative with dividends | +54.9% | -12.4% |
| 5-Year ReturnCumulative with dividends | +53.5% | -90.1% |
| 10-Year ReturnCumulative with dividends | +598.9% | -89.0% |
| CAGR (3Y)Annualised 3-year return | +15.7% | -4.3% |
PFSI leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
PFSI leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
PFSI is the less volatile stock with a 0.93 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. PFSI currently trades 54.6% from its 52-week high vs LDI's 29.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PFSIPennyMac Financia… | LDIloanDepot, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.93x | 2.11x |
| 52-Week HighHighest price in past year | $160.36 | $5.05 |
| 52-Week LowLowest price in past year | $82.67 | $1.02 |
| % of 52W HighCurrent price vs 52-week peak | +54.6% | +29.5% |
| RSI (14)Momentum oscillator 0–100 | 47.2 | 45.5 |
| Avg Volume (50D)Average daily shares traded | 601K | 2.1M |
PFSI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
PFSI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates PFSI as "Buy" and LDI as "Hold". Consensus price targets imply 63.5% upside for PFSI (target: $143) vs 39.6% for LDI (target: $2). For income investors, PFSI offers the higher dividend yield at 1.33% vs LDI's 0.78%.
| Metric | PFSIPennyMac Financia… | LDIloanDepot, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $143.00 | $2.08 |
| # AnalystsCovering analysts | 20 | 12 |
| Dividend YieldAnnual dividend ÷ price | +1.3% | +0.8% |
| Dividend StreakConsecutive years of raises | 2 | 0 |
| Dividend / ShareAnnual DPS | $1.16 | $0.01 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.1% | +1.9% |
PFSI leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
PFSI leads in 5 of 6 categories (Income & Cash Flow, Profitability & Efficiency). LDI leads in 1 (Valuation Metrics).
Best OverallPennyMac Financial Services… (PFSI)Leads 5 of 6 categories
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PFSI vs LDI: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PFSI or LDI a better buy right now?
For growth investors, PennyMac Financial Services, Inc.
(PFSI) is the stronger pick with 173. 8% revenue growth year-over-year, versus 37. 6% for loanDepot, Inc. (LDI). PennyMac Financial Services, Inc. (PFSI) offers the better valuation at 9. 4x trailing P/E (7. 0x forward), making it the more compelling value choice. Analysts rate PennyMac Financial Services, Inc. (PFSI) a "Buy" — based on 20 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 — PFSI or LDI?
On forward P/E, PennyMac Financial Services, Inc.
is actually cheaper at 7. 0x.
03Which is the better long-term investment — PFSI or LDI?
Over the past 5 years, PennyMac Financial Services, Inc.
(PFSI) delivered a total return of +53. 5%, compared to -90. 1% for loanDepot, Inc. (LDI). Over 10 years, the gap is even starker: PFSI returned +624. 6% 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 — PFSI or LDI?
By beta (market sensitivity over 5 years), PennyMac Financial Services, Inc.
(PFSI) is the lower-risk stock at 0. 93β versus loanDepot, Inc. 's 2. 11β — meaning LDI is approximately 128% more volatile than PFSI relative to the S&P 500. On balance sheet safety, PennyMac Financial Services, Inc. (PFSI) carries a lower debt/equity ratio of 5% versus 13% for loanDepot, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — PFSI or LDI?
By revenue growth (latest reported year), PennyMac Financial Services, Inc.
(PFSI) is pulling ahead at 173. 8% versus 37. 6% for loanDepot, Inc. (LDI). On earnings-per-share growth, the picture is similar: PennyMac Financial Services, Inc. grew EPS 59. 2% 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 — PFSI or LDI?
PennyMac Financial Services, Inc.
(PFSI) is the more profitable company, earning 11. 5% net margin versus -4. 1% for loanDepot, Inc. — meaning it keeps 11. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PFSI leads at 34. 6% versus 13. 2% for LDI. At the gross margin level — before operating expenses — PFSI leads at 91. 4%, 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 PFSI or LDI more undervalued right now?
On forward earnings alone, PennyMac Financial Services, Inc.
(PFSI) trades at 7. 0x forward P/E versus 13. 0x for loanDepot, Inc. — 6. 0x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for PFSI: 63. 5% to $143. 00.
08Which pays a better dividend — PFSI or LDI?
All stocks in this comparison pay dividends.
PennyMac Financial Services, Inc. (PFSI) offers the highest yield at 1. 3%, versus 0. 8% for loanDepot, Inc. (LDI).
09Is PFSI or LDI better for a retirement portfolio?
For long-horizon retirement investors, PennyMac Financial Services, Inc.
(PFSI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 93), 1. 3% yield, +624. 6% 10Y return). loanDepot, Inc. (LDI) carries a higher beta of 2. 11 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (PFSI: +624. 6%, LDI: -89. 4%), 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 PFSI 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.
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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