loanDepot (LDI) vs Velocity Financial (VEL)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Velocity Financial (VEL) has outperformed loanDepot (LDI) over the past year, losing 18.3% versus a loss of 78.9%. Over five years, VEL leads with a +18.2% price change compared with -90.7% for LDI. Velocity Financial is the larger company by market cap ($581.4 million vs $274.6 million), about 2.1 times the size.
On valuation, Velocity Financial trades at a lower forward P/E (4.9x vs 12.4x for loanDepot).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | LDI | VEL |
|---|---|---|
| Share price | $0.618 | $14.73 |
| Market cap | $274.62M | $581.36M |
| 1-day change | +0.03% | -0.10% |
| YTD return | -70.15% | -29.00% |
| 1-year return | -78.91% | -18.34% |
| 5-year return | -90.65% | +18.20% |
| P/E ratio (TTM) | — | 5.35 |
| Forward P/E | 12.36 | 4.85 |
| EPS (TTM) | $-0.31 | $2.75 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| 52-week high | $3.80 | $21.40 |
| 52-week low | $0.567 | $14.18 |
| Distance from 52-week high | -83.74% | -31.18% |
| Analyst consensus | none | hold |
| Avg. price target upside | +82.85% | +41.46% |
| Average volume | 4.17M | 139.65K |
| Shares outstanding | 232.23M | 39.48M |
| Employees | 4,626 | 364 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Velocity Financial is about 2.1 times larger than loanDepot by market value ($581.36M vs $274.62M).
- VEL has outperformed LDI by 60.6 percentage points over the past year.
About loanDepot
LDI stock →loanDepot, Inc. engages in originating, financing, selling, and servicing residential mortgage loans in the United States.
Finance · Finance: Consumer Services · 4,626 employees
About Velocity Financial
VEL stock →Velocity Financial, Inc. operates as a real estate finance company in the United States.
Finance · Finance: Consumer Services · 364 employees
LDI vs VEL FAQ
Which is bigger, loanDepot or Velocity Financial?
Velocity Financial (VEL) is larger, with a market capitalization of $581.36M compared with $274.62M for loanDepot (LDI).
Which stock has performed better over the past year, LDI or VEL?
VEL returned -18.34% over the past 12 months, compared with -78.91% for LDI (price return, excluding dividends). Past performance does not predict future results.
Are loanDepot and Velocity Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.