LDI vs. PAY
LDI (loanDepot, Inc.) and PAY (Paymentus Holdings, Inc.) are both stocks. LDI operates in Mortgage Finance (Financial Services), while PAY operates in Information Technology Services (Technology). Over the past 5 years, LDI returned -36.99%/yr vs 3.29%/yr for PAY. Their 0.24 correlation means their historical movements had little consistent relationship.
Performance
LDI vs. PAY - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, LDI achieves a -52.60% return, which is significantly lower than PAY's 7.95% 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%
PAY
- 1D
- -2.21%
- 1M
- 26.02%
- 6M
- 27.57%
- YTD
- 7.95%
- 1Y
- 20.54%
- 3Y*
- 45.85%
- 5Y*
- 3.29%
- 10Y*
- —
- ALL TIME*
- 3.34%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $2.73M | $2.24M | $2.41M | |
| $34.91M | $30.96M | $27.68M |
LDI vs. PAY - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
LDI loanDepot, Inc. | -52.60% | 1.47% | -42.05% | 113.33% | -64.95% | -66.97% |
PAY Paymentus Holdings, Inc. | 7.95% | -3.31% | 82.82% | 123.10% | -77.10% | 21.63% |
Correlation
The correlation between LDI and PAY is 0.30, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.30 |
Correlation (3Y) Balances recent behavior with more history. | 0.20 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.25 |
Correlation (All Time) Calculated using the full available price history since May 26, 2021 | 0.24 |
Fundamentals
LDI:
$328.73M
PAY:
$4.28B
LDI:
-$0.36
PAY:
$0.57
LDI:
0.16
PAY:
3.45
LDI:
0.67
PAY:
7.56
LDI:
$1.34B
PAY:
$1.28B
LDI:
$841.99M
PAY:
$316.55M
LDI:
-$34.48M
PAY:
$121.90M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
LDI vs. PAY — Risk / Return Rank
LDI
PAY
LDI vs. PAY - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for loanDepot, Inc. (LDI) and Paymentus Holdings, Inc. (PAY). 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 | PAY | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.84 | ||
| Sortino ratioReturn per unit of downside risk | -1.23 | ||
| Omega ratioGain probability vs. loss probability | 0.98 | 1.13 | -0.15 |
| Calmar ratioReturn relative to maximum drawdown | -0.49 | 0.47 | -0.95 |
| Martin ratioReturn relative to average drawdown | -0.71 | 0.81 | -1.52 |
Loading charts...
Drawdowns
LDI vs. PAY - Drawdown Comparison
The maximum LDI drawdown since its inception was -96.66%, which is greater than PAY's maximum drawdown of -80.78%. Use the drawdown chart below to compare losses from any high point for LDI and PAY.
Loading charts...
Drawdown Indicators
| LDI | PAY | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -96.66% | -80.78% | -15.88% |
Max Drawdown (1Y)Largest decline over 1 year | -78.78% | -48.09% | -30.69% |
Max Drawdown (3Y)Largest decline over 3 years | -78.78% | -49.27% | -29.51% |
Max Drawdown (5Y)Largest decline over 5 years | -90.05% | -80.00% | -10.05% |
Current DrawdownCurrent decline from peak | -96.61% | -14.41% | -82.20% |
Average DrawdownAverage peak-to-trough decline | -87.38% | -41.40% | -45.98% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 54.01% | 27.53% | +26.48% |
Volatility
LDI vs. PAY - Volatility Comparison
The current volatility for loanDepot, Inc. (LDI) is 12.94%, while Paymentus Holdings, Inc. (PAY) has a volatility of 16.88%. This indicates that LDI experiences smaller price fluctuations and is considered to be less risky than PAY based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| LDI | PAY | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 12.94% | 16.88% | -3.94% |
Volatility (6M)Calculated over the trailing 6-month period | 42.24% | 36.85% | +5.39% |
Volatility (1Y)Calculated over the trailing 1-year period | 88.97% | 54.85% | +34.12% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 77.40% | 62.67% | +14.73% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 83.05% | 62.53% | +20.52% |
Dividends
LDI vs. PAY - Dividend Comparison
Neither LDI nor PAY 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% |
PAY Paymentus Holdings, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
LDI vs. PAY - Financials Comparison
This section allows you to compare key financial metrics between loanDepot, Inc. and Paymentus 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. PAY - 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%.
PAY - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Paymentus Holdings, Inc. reported a gross profit of 86.23M and revenue of 358.44M. Therefore, the gross margin over that period was 24.1%.
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%.
PAY - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Paymentus Holdings, Inc. reported an operating income of 26.55M and revenue of 358.44M, resulting in an operating margin of 7.4%.
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%.
PAY - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Paymentus Holdings, Inc. reported a net income of 20.88M and revenue of 358.44M, resulting in a net margin of 5.8%.
Frequently Asked Questions
LDI and PAY have a correlation of 0.30, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
PAY has higher volatility (16.88%) compared to LDI (12.94%). In terms of maximum drawdown, LDI dropped -96.66% vs PAY's -80.78%.
PAY currently has the higher Sharpe Ratio (0.41 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.
Find the right allocation for LDI and PAY
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer