LDI vs. PAGS
LDI (loanDepot, Inc.) and PAGS (PagSeguro Digital Ltd.) are both stocks. LDI operates in Mortgage Finance (Financial Services), while PAGS operates in Software - Infrastructure (Technology). Over the past 5 years, LDI returned -38.88%/yr vs -28.70%/yr for PAGS. At a 0.32 correlation, their price movements are largely independent.
Performance
LDI vs. PAGS - Performance Comparison
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Returns By Period
In the year-to-date period, LDI achieves a -45.41% return, which is significantly lower than PAGS's -3.85% return.
LDI
- 1D
- -2.59%
- 1M
- -9.60%
- YTD
- -45.41%
- 6M
- -56.54%
- 1Y
- -15.67%
- 3Y*
- -18.92%
- 5Y*
- -38.88%
- 10Y*
- —
PAGS
- 1D
- 0.22%
- 1M
- 1.13%
- YTD
- -3.85%
- 6M
- -9.66%
- 1Y
- 13.91%
- 3Y*
- -2.35%
- 5Y*
- -28.70%
- 10Y*
- —
LDI vs. PAGS - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
LDI loanDepot, Inc. | -45.41% | 1.47% | -42.05% | 113.33% | -64.95% | -63.41% |
PAGS PagSeguro Digital Ltd. | -3.85% | 60.75% | -49.80% | 42.68% | -66.67% | -57.36% |
Correlation
The correlation between LDI and PAGS is 0.31, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.31 |
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 11, 2021 | 0.32 |
Fundamentals
LDI:
$258.73M
PAGS:
$2.53B
LDI:
-$0.36
PAGS:
R$7.31
LDI:
0.18
PAGS:
0.67
LDI:
0.77
PAGS:
0.90
LDI:
$1.34B
PAGS:
R$19.80B
LDI:
$841.99M
PAGS:
R$10.13B
LDI:
-$34.48M
PAGS:
R$9.32B
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Return for Risk
LDI vs. PAGS — Risk / Return Rank
LDI
PAGS
LDI vs. PAGS - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for loanDepot, Inc. (LDI) and PagSeguro Digital Ltd. (PAGS). 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 | PAGS | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.48 | ||
| Sortino ratioReturn per unit of downside risk | -0.38 | ||
| Omega ratioGain probability vs. loss probability | 1.03 | 1.08 | -0.05 |
| Calmar ratioReturn relative to maximum drawdown | -0.28 | 0.43 | -0.72 |
| Martin ratioReturn relative to average drawdown | -0.46 | 0.90 | -1.37 |
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Drawdowns
LDI vs. PAGS - Drawdown Comparison
The maximum LDI drawdown since its inception was -96.47%, which is greater than PAGS's maximum drawdown of -90.00%. Use the drawdown chart below to compare losses from any high point for LDI and PAGS.
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Drawdown Indicators
| LDI | PAGS | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -96.47% | -90.00% | -6.47% |
Max Drawdown (1Y)Largest decline over 1 year | -75.88% | -27.21% | -48.67% |
Max Drawdown (3Y)Largest decline over 3 years | -75.88% | -57.60% | -18.28% |
Max Drawdown (5Y)Largest decline over 5 years | -91.89% | -89.84% | -2.05% |
Current DrawdownCurrent decline from peak | -96.09% | -84.37% | -11.72% |
Average DrawdownAverage peak-to-trough decline | -87.16% | -55.47% | -31.69% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 46.74% | 13.03% | +33.71% |
Volatility
LDI vs. PAGS - Volatility Comparison
loanDepot, Inc. (LDI) has a higher volatility of 20.36% compared to PagSeguro Digital Ltd. (PAGS) at 11.85%. This indicates that LDI's price experiences larger fluctuations and is considered to be riskier than PAGS based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| LDI | PAGS | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 20.36% | 11.85% | +8.51% |
Volatility (6M)Calculated over the trailing 6-month period | 51.17% | 33.74% | +17.43% |
Volatility (1Y)Calculated over the trailing 1-year period | 92.89% | 49.06% | +43.83% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 77.04% | 61.40% | +15.64% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 83.65% | 61.08% | +22.57% |
Dividends
LDI vs. PAGS - Dividend Comparison
LDI has not paid dividends to shareholders, while PAGS's dividend yield for the trailing twelve months is around 6.92%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
LDI loanDepot, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 4.85% | 17.75% |
PAGS PagSeguro Digital Ltd. | 6.92% | 3.94% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
LDI vs. PAGS - Financials Comparison
This section allows you to compare key financial metrics between loanDepot, Inc. and PagSeguro Digital Ltd.. 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. PAGS - 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%.
PAGS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, PagSeguro Digital Ltd. reported a gross profit of 2.40B and revenue of 4.69B. Therefore, the gross margin over that period was 51.2%.
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%.
PAGS - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, PagSeguro Digital Ltd. reported an operating income of 1.75B and revenue of 4.69B, resulting in an operating margin of 37.3%.
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%.
PAGS - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, PagSeguro Digital Ltd. reported a net income of 535.32M and revenue of 4.69B, resulting in a net margin of 11.4%.
Frequently Asked Questions
LDI and PAGS have a correlation of 0.31, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
LDI has higher volatility (20.36%) compared to PAGS (11.85%). In terms of maximum drawdown, LDI dropped -96.47% vs PAGS's -90.00%.
PAGS currently has the higher Sharpe Ratio (0.24 vs -0.23), 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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