GDOT vs. LDI
GDOT (Green Dot Corporation) and LDI (loanDepot, Inc.) are both stocks. Both are in the Financial Services sector — GDOT in Credit Services, LDI in Mortgage Finance. Over the past 5 years, GDOT returned -21.98%/yr vs -39.78%/yr for LDI. At a 0.32 correlation, their price movements are largely independent.
Performance
GDOT vs. LDI - Performance Comparison
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Returns By Period
In the year-to-date period, GDOT achieves a -0.47% return, which is significantly higher than LDI's -45.41% return.
GDOT
- 1D
- 0.71%
- 1M
- 1.03%
- YTD
- -0.47%
- 6M
- -1.92%
- 1Y
- 33.09%
- 3Y*
- -12.68%
- 5Y*
- -21.98%
- 10Y*
- -5.43%
LDI
- 1D
- -4.24%
- 1M
- -19.29%
- YTD
- -45.41%
- 6M
- -60.07%
- 1Y
- -13.08%
- 3Y*
- -19.05%
- 5Y*
- -39.78%
- 10Y*
- —
GDOT vs. LDI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
GDOT Green Dot Corporation | -0.47% | 20.39% | 7.47% | -37.42% | -56.35% | -33.50% |
LDI loanDepot, Inc. | -45.41% | 1.47% | -42.05% | 113.33% | -64.95% | -76.72% |
Correlation
The correlation between GDOT and LDI is 0.19, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.19 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.29 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.31 |
Correlation (All Time) Calculated using the full available price history since Feb 12, 2021 | 0.32 |
The correlation between GDOT and LDI shifts across timeframes, from 0.19 (1 year) to 0.32 (all time), reflecting how their relationship changes across market environments.
Fundamentals
GDOT:
$739.70M
LDI:
$258.73M
GDOT:
-$1.27
LDI:
-$0.36
GDOT:
0.33
LDI:
0.18
GDOT:
0.79
LDI:
0.77
GDOT:
$2.18B
LDI:
$1.34B
GDOT:
$323.19M
LDI:
$841.99M
GDOT:
$130.03M
LDI:
-$34.48M
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Return for Risk
GDOT vs. LDI — Risk / Return Rank
GDOT
LDI
GDOT vs. LDI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Green Dot Corporation (GDOT) and loanDepot, Inc. (LDI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| GDOT | LDI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.82 | ||
| Sortino ratioReturn per unit of downside risk | +1.23 | ||
| Omega ratioGain probability vs. loss probability | 1.20 | 1.05 | +0.15 |
| Calmar ratioReturn relative to maximum drawdown | 1.07 | -0.17 | +1.25 |
| Martin ratioReturn relative to average drawdown | 1.91 | -0.29 | +2.20 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| GDOT | LDI | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.68 | -0.14 | +0.82 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.43 | -0.52 | +0.08 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | -0.10 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | -0.14 | -0.53 | +0.38 |
Drawdowns
GDOT vs. LDI - Drawdown Comparison
The maximum GDOT drawdown since its inception was -93.17%, roughly equal to the maximum LDI drawdown of -96.47%. Use the drawdown chart below to compare losses from any high point for GDOT and LDI.
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Drawdown Indicators
| GDOT | LDI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -93.17% | -96.47% | +3.30% |
Max Drawdown (1Y)Largest decline over 1 year | -30.95% | -75.22% | +44.27% |
Max Drawdown (3Y)Largest decline over 3 years | -69.62% | -75.22% | +5.60% |
Max Drawdown (5Y)Largest decline over 5 years | -88.43% | -92.39% | +3.96% |
Max Drawdown (10Y)Largest decline over 10 years | -93.17% | — | — |
Current DrawdownCurrent decline from peak | -86.27% | -96.09% | +9.82% |
Average DrawdownAverage peak-to-trough decline | -60.24% | -87.20% | +26.96% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 17.37% | 45.85% | -28.48% |
Volatility
GDOT vs. LDI - Volatility Comparison
The current volatility for Green Dot Corporation (GDOT) is 5.85%, while loanDepot, Inc. (LDI) has a volatility of 20.66%. This indicates that GDOT experiences smaller price fluctuations and is considered to be less risky than LDI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| GDOT | LDI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.85% | 20.66% | -14.81% |
Volatility (6M)Calculated over the trailing 6-month period | 17.45% | 51.71% | -34.26% |
Volatility (1Y)Calculated over the trailing 1-year period | 49.13% | 93.69% | -44.56% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 50.96% | 77.22% | -26.26% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 52.34% | 79.98% | -27.64% |
Dividends
GDOT vs. LDI - Dividend Comparison
Neither GDOT nor LDI has paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
GDOT Green Dot Corporation | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
LDI loanDepot, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 4.85% | 17.75% |
Financials
GDOT vs. LDI - Financials Comparison
This section allows you to compare key financial metrics between Green Dot Corporation and loanDepot, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
GDOT vs. LDI - Profitability Comparison
GDOT - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Green Dot Corporation reported a gross profit of 0.00 and revenue of 656.25M. Therefore, the gross margin over that period was 0.0%.
LDI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, loanDepot, Inc. reported a gross profit of 0.00 and revenue of 286.39M. Therefore, the gross margin over that period was 0.0%.
GDOT - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Green Dot Corporation reported an operating income of 69.04M and revenue of 656.25M, resulting in an operating margin of 10.5%.
LDI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, loanDepot, Inc. reported an operating income of 0.00 and revenue of 286.39M, resulting in an operating margin of 0.0%.
GDOT - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Green Dot Corporation reported a net income of 53.75M and revenue of 656.25M, resulting in a net margin of 8.2%.
LDI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, loanDepot, Inc. reported a net income of -37.49M and revenue of 286.39M, resulting in a net margin of -13.1%.
Frequently Asked Questions
GDOT and LDI have a correlation of 0.19, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
LDI has higher volatility (20.66%) compared to GDOT (5.85%). In terms of maximum drawdown, GDOT dropped -93.17% vs LDI's -96.47%.
GDOT currently has the higher Sharpe Ratio (0.68 vs -0.14), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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