LDI vs. BILL
LDI (loanDepot, Inc.) and BILL (Bill.com Holdings, Inc.) are both stocks. LDI operates in Mortgage Finance (Financial Services), while BILL operates in Software - Application (Technology). Over the past 5 years, LDI returned -36.99%/yr vs -26.25%/yr for BILL. Their 0.26 correlation means their historical movements had little consistent relationship.
Performance
LDI vs. BILL - Performance Comparison
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Returns By Period
In the year-to-date period, LDI achieves a -52.60% return, which is significantly lower than BILL's -17.25% return.
LDI
- 1D
- -1.88%
- 1M
- -20.23%
- 6M
- -54.99%
- YTD
- -52.60%
- 1Y
- -41.60%
- 3Y*
- -25.47%
- 5Y*
- -36.99%
- 10Y*
- —
- ALL TIME*
- -37.56%
BILL
- 1D
- -0.57%
- 1M
- 11.49%
- 6M
- 4.54%
- YTD
- -17.25%
- 1Y
- 8.15%
- 3Y*
- -28.76%
- 5Y*
- -26.25%
- 10Y*
- —
- ALL TIME*
- 2.93%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $102.36M | $100.83M | $105.65M | |
| $2.73M | $2.24M | $2.41M |
LDI vs. BILL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
LDI loanDepot, Inc. | -52.60% | 1.47% | -42.05% | 113.33% | -64.95% | -63.41% |
BILL Bill.com Holdings, Inc. | -17.25% | -35.62% | 3.82% | -25.12% | -56.27% | 29.77% |
Correlation
The correlation between LDI and BILL is 0.28, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.28 |
Correlation (3Y) Balances recent behavior with more history. | 0.23 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.26 |
Correlation (All Time) Calculated using the full available price history since Feb 11, 2021 | 0.26 |
Fundamentals
LDI:
$328.73M
BILL:
$4.49B
LDI:
-$0.36
BILL:
$0.00
LDI:
0.16
BILL:
2.87
LDI:
0.67
BILL:
1.21
LDI:
$1.34B
BILL:
$1.60B
LDI:
$841.99M
BILL:
$1.29B
LDI:
-$34.48M
BILL:
$68.77M
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Return for Risk
LDI vs. BILL — Risk / Return Rank
LDI
BILL
LDI vs. BILL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for loanDepot, Inc. (LDI) and Bill.com Holdings, Inc. (BILL). 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| LDI | BILL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.51 | ||
| Sortino ratioReturn per unit of downside risk | -0.90 | ||
| Omega ratioGain probability vs. loss probability | 0.98 | 1.08 | -0.10 |
| Calmar ratioReturn relative to maximum drawdown | -0.49 | 0.12 | -0.61 |
| Martin ratioReturn relative to average drawdown | -0.71 | 0.24 | -0.95 |
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Drawdowns
LDI vs. BILL - Drawdown Comparison
The maximum LDI drawdown since its inception was -96.66%, which is greater than BILL's maximum drawdown of -90.66%. Use the drawdown chart below to compare losses from any high point for LDI and BILL.
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Drawdown Indicators
| LDI | BILL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -96.66% | -90.66% | -6.00% |
Max Drawdown (1Y)Largest decline over 1 year | -78.78% | -43.24% | -35.54% |
Max Drawdown (3Y)Largest decline over 3 years | -78.78% | -72.96% | -5.82% |
Max Drawdown (5Y)Largest decline over 5 years | -90.05% | -90.66% | +0.61% |
Current DrawdownCurrent decline from peak | -96.61% | -86.81% | -9.80% |
Average DrawdownAverage peak-to-trough decline | -87.38% | -55.36% | -32.02% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 54.01% | 22.14% | +31.87% |
Volatility
LDI vs. BILL - Volatility Comparison
The current volatility for loanDepot, Inc. (LDI) is 12.94%, while Bill.com Holdings, Inc. (BILL) has a volatility of 15.47%. This indicates that LDI experiences smaller price fluctuations and is considered to be less risky than BILL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LDI | BILL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 12.94% | 15.47% | -2.53% |
Volatility (6M)Calculated over the trailing 6-month period | 42.24% | 50.62% | -8.38% |
Volatility (1Y)Calculated over the trailing 1-year period | 88.97% | 65.08% | +23.89% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 77.40% | 70.78% | +6.62% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 83.05% | 72.64% | +10.41% |
Dividends
LDI vs. BILL - Dividend Comparison
Neither LDI nor BILL has paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
BILL Bill.com Holdings, Inc. | 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
LDI vs. BILL - Financials Comparison
This section allows you to compare key financial metrics between loanDepot, Inc. and Bill.com Holdings, 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
LDI vs. BILL - Profitability Comparison
LDI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 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%.
BILL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Bill.com Holdings, Inc. reported a gross profit of 331.85M and revenue of 406.56M. Therefore, the gross margin over that period was 81.6%.
LDI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, loanDepot, Inc. reported an operating income of 0.00 and revenue of 286.39M, resulting in an operating margin of 0.0%.
BILL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Bill.com Holdings, Inc. reported an operating income of 96.41M and revenue of 406.56M, resulting in an operating margin of 23.7%.
LDI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, loanDepot, Inc. reported a net income of -37.49M and revenue of 286.39M, resulting in a net margin of -13.1%.
BILL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Bill.com Holdings, Inc. reported a net income of 12.79M and revenue of 406.56M, resulting in a net margin of 3.1%.
Frequently Asked Questions
LDI and BILL have a correlation of 0.28, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
BILL has higher volatility (15.47%) compared to LDI (12.94%). In terms of maximum drawdown, LDI dropped -96.66% vs BILL's -90.66%.
BILL currently has the higher Sharpe Ratio (0.08 vs -0.43), 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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