LDI vs. OSCR
LDI (loanDepot, Inc.) and OSCR (Oscar Health, Inc.) are both stocks. LDI operates in Mortgage Finance (Financial Services), while OSCR operates in Healthcare Plans (Healthcare). Over the past 5 years, LDI returned -37.86%/yr vs 5.17%/yr for OSCR. At a 0.22 correlation, their price movements are largely independent.
Performance
LDI vs. OSCR - Performance Comparison
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Returns By Period
In the year-to-date period, LDI achieves a -44.93% return, which is significantly lower than OSCR's 108.28% return.
LDI
- 1D
- 2.70%
- 1M
- -8.80%
- YTD
- -44.93%
- 6M
- -47.95%
- 1Y
- -15.56%
- 3Y*
- -16.24%
- 5Y*
- -37.86%
- 10Y*
- —
OSCR
- 1D
- 4.87%
- 1M
- 32.20%
- YTD
- 108.28%
- 6M
- 101.68%
- 1Y
- 46.57%
- 3Y*
- 52.02%
- 5Y*
- 5.17%
- 10Y*
- —
LDI vs. OSCR - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
LDI loanDepot, Inc. | -44.93% | 1.47% | -42.05% | 113.33% | -64.95% | -78.21% |
OSCR Oscar Health, Inc. | 108.28% | 6.92% | 46.89% | 271.95% | -68.66% | -78.19% |
Correlation
The correlation between LDI and OSCR is 0.09, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.09 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.15 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.21 |
Correlation (All Time) Calculated using the full available price history since Mar 3, 2021 | 0.22 |
The correlation between LDI and OSCR shifts across timeframes, from 0.09 (1 year) to 0.22 (all time), reflecting how their relationship changes across market environments.
Fundamentals
LDI:
$261.02M
OSCR:
$9.87B
LDI:
-$0.36
OSCR:
-$0.14
LDI:
0.18
OSCR:
0.64
LDI:
0.77
OSCR:
5.93
LDI:
$1.34B
OSCR:
$13.30B
LDI:
$841.99M
OSCR:
$895.79M
LDI:
-$34.48M
OSCR:
$19.23M
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Return for Risk
LDI vs. OSCR — Risk / Return Rank
LDI
OSCR
LDI vs. OSCR - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for loanDepot, Inc. (LDI) and Oscar Health, Inc. (OSCR). 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 | OSCR | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.79 | ||
| Sortino ratioReturn per unit of downside risk | -0.92 | ||
| Omega ratioGain probability vs. loss probability | 1.05 | 1.17 | -0.12 |
| Calmar ratioReturn relative to maximum drawdown | -0.21 | 0.90 | -1.11 |
| Martin ratioReturn relative to average drawdown | -0.32 | 1.68 | -2.01 |
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Drawdowns
LDI vs. OSCR - Drawdown Comparison
The maximum LDI drawdown since its inception was -96.47%, roughly equal to the maximum OSCR drawdown of -94.15%. Use the drawdown chart below to compare losses from any high point for LDI and OSCR.
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Drawdown Indicators
| LDI | OSCR | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -96.47% | -94.15% | -2.32% |
Max Drawdown (1Y)Largest decline over 1 year | -75.88% | -51.71% | -24.17% |
Max Drawdown (3Y)Largest decline over 3 years | -75.88% | -53.39% | -22.49% |
Max Drawdown (5Y)Largest decline over 5 years | -91.74% | -90.41% | -1.33% |
Current DrawdownCurrent decline from peak | -96.06% | -18.60% | -77.46% |
Average DrawdownAverage peak-to-trough decline | -87.20% | -64.77% | -22.43% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 48.10% | 27.78% | +20.32% |
Volatility
LDI vs. OSCR - Volatility Comparison
The current volatility for loanDepot, Inc. (LDI) is 17.82%, while Oscar Health, Inc. (OSCR) has a volatility of 22.06%. This indicates that LDI experiences smaller price fluctuations and is considered to be less risky than OSCR based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LDI | OSCR | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 17.82% | 22.06% | -4.24% |
Volatility (6M)Calculated over the trailing 6-month period | 51.03% | 44.58% | +6.45% |
Volatility (1Y)Calculated over the trailing 1-year period | 92.56% | 74.95% | +17.61% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 77.18% | 80.69% | -3.51% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 83.59% | 79.82% | +3.77% |
Dividends
LDI vs. OSCR - Dividend Comparison
Neither LDI nor OSCR has paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
LDI loanDepot, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 4.85% | 17.75% |
OSCR Oscar Health, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
LDI vs. OSCR - Financials Comparison
This section allows you to compare key financial metrics between loanDepot, Inc. and Oscar Health, 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. OSCR - Profitability Comparison
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%.
OSCR - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Oscar Health, Inc. reported a gross profit of 0.00 and revenue of 4.65B. Therefore, the gross margin over that period was 0.0%.
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%.
OSCR - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Oscar Health, Inc. reported an operating income of 704.09M and revenue of 4.65B, resulting in an operating margin of 15.2%.
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%.
OSCR - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Oscar Health, Inc. reported a net income of 679.00M and revenue of 4.65B, resulting in a net margin of 14.6%.
Frequently Asked Questions
LDI and OSCR have a correlation of 0.09, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
OSCR has higher volatility (22.06%) compared to LDI (17.82%). In terms of maximum drawdown, LDI dropped -96.47% vs OSCR's -94.15%.
OSCR currently has the higher Sharpe Ratio (0.63 vs -0.17), 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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