Posted by on May 18th, 2025
Upstart (NASDAQ:UPST – Get Free Report) and loanDepot (NYSE:LDI – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their earnings, profitability, institutional ownership, valuation, dividends, analyst recommendations and risk.
This table compares Upstart and loanDepot’s net margins, return on equity and return on assets.
| -20.20% | -25.87% | -7.95% | |
| -8.95% | -14.66% | -1.49% |
This is a breakdown of recent ratings for Upstart and loanDepot, as reported by MarketBeat.com.
| 1 | 7 | 5 | 0 | 2.31 | |
| 1 | 2 | 0 | 0 | 1.67 |
Upstart currently has a consensus target price of $63.81, indicating a potential upside of 32.71%. loanDepot has a consensus target price of $1.98, indicating a potential upside of 59.92%. Given loanDepot’s higher probable upside, analysts plainly believe loanDepot is more favorable than Upstart.
63.0% of Upstart shares are owned by institutional investors. Comparatively, 39.4% of loanDepot shares are owned by institutional investors. 16.7% of Upstart shares are owned by insiders. Comparatively, 83.0% of loanDepot shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Upstart has a beta of 2.39, suggesting that its share price is 139% more volatile than the S&P 500. Comparatively, loanDepot has a beta of 3.38, suggesting that its share price is 238% more volatile than the S&P 500.
This table compares Upstart and loanDepot”s gross revenue, earnings per share and valuation.
| $714.41 million | 6.40 | -$128.58 million | ($0.75) | -64.11 | |
| loanDepot | $831.14 million | 0.49 | -$110.14 million | ($0.45) | -2.74 |
loanDepot has higher revenue and earnings than Upstart. Upstart is trading at a lower price-to-earnings ratio than loanDepot, indicating that it is currently the more affordable of the two stocks.
loanDepot beats Upstart on 10 of the 14 factors compared between the two stocks.
Upstart Holdings, Inc., together with its subsidiaries, operates a cloud-based artificial intelligence (AI) lending platform in the United States. Its platform includes personal loans, automotive retail and refinance loans, home equity lines of credit, and small dollar loans that connects consumer demand for loans to its to bank and credit unions. Upstart Holdings, Inc. was founded in 2012 and is headquartered in San Mateo, California.
loanDepot, Inc. engages in originating, financing, selling, and servicing residential mortgage loans in the United States. The company offers conventional agency-conforming and prime jumbo, federal assistance residential mortgage, and home equity loans. It also provides settlement services, which include captive title and escrow business; real estate services that cover captive real estate referral business; and insurance services, including services to homeowners, as well as other consumer insurance policies. The company was founded in 2010 and is headquartered in Irvine, California.
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