loanDepot (LDI) vs X Financial (XYF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
X Financial (XYF) has outperformed loanDepot (LDI) over the past year, losing 64.4% versus a loss of 78.9%. Over five years, XYF leads with a +17.6% price change compared with -90.7% for LDI. loanDepot is the larger company by market cap ($274.1 million vs $194.6 million), about 1.4 times the size.
On valuation, loanDepot trades at a lower forward P/E (12.3x vs 14.2x for X Financial). X Financial pays a dividend yielding 72.41%, while loanDepot does not currently pay one.
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 | XYF |
|---|---|---|
| Share price | $0.6168 | $5.27 |
| Market cap | $274.08M | $194.64M |
| 1-day change | -0.16% | -0.38% |
| YTD return | -70.15% | -9.29% |
| 1-year return | -78.91% | -64.35% |
| 5-year return | -90.65% | +17.59% |
| P/E ratio (TTM) | — | 2.52 |
| Forward P/E | 12.34 | 14.24 |
| EPS (TTM) | $-0.31 | $2.09 |
| Dividend yield | 0.00% | 72.41% |
| Annual dividend | $0.00 | $3.82 |
| 52-week high | $3.80 | $14.65 |
| 52-week low | $0.567 | $3.30 |
| Distance from 52-week high | -83.77% | -64.03% |
| Analyst consensus | none | — |
| Avg. price target upside | +83.20% | — |
| Average volume | 4.17M | 59.65K |
| Shares outstanding | 232.23M | 20.67M |
| Employees | 4,626 | 643 |
| 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
- XYF has outperformed LDI by 14.6 percentage points over the past year.
- X Financial offers a meaningfully higher dividend yield (72.41% vs 0.00%).
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 X Financial
XYF stock →X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product.
Finance · Finance: Consumer Services · 643 employees
LDI vs XYF FAQ
Which is bigger, loanDepot or X Financial?
loanDepot (LDI) is larger, with a market capitalization of $274.08M compared with $194.64M for X Financial (XYF).
Which stock has performed better over the past year, LDI or XYF?
XYF returned -64.35% over the past 12 months, compared with -78.91% for LDI (price return, excluding dividends). Past performance does not predict future results.
Which pays a higher dividend, loanDepot or X Financial?
X Financial pays a dividend yielding 72.41%, while loanDepot does not currently pay a regular dividend.
Are loanDepot and X Financial in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.