LDI vs. UPST
LDI (loanDepot, Inc.) and UPST (Upstart Holdings, Inc.) are both stocks. Both are in the Financial Services sector — LDI in Mortgage Finance, UPST in Credit Services. Over the past 5 years, LDI returned -39.78%/yr vs -27.28%/yr for UPST. At a 0.36 correlation, their price movements are largely independent.
Performance
LDI vs. UPST - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, LDI achieves a -45.41% return, which is significantly lower than UPST's -29.11% return.
LDI
- 1D
- -4.24%
- 1M
- -19.29%
- YTD
- -45.41%
- 6M
- -60.07%
- 1Y
- -13.08%
- 3Y*
- -19.05%
- 5Y*
- -39.78%
- 10Y*
- —
UPST
- 1D
- 4.24%
- 1M
- 7.04%
- YTD
- -29.11%
- 6M
- -33.92%
- 1Y
- -42.94%
- 3Y*
- -1.15%
- 5Y*
- -27.28%
- 10Y*
- —
LDI vs. UPST - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
LDI loanDepot, Inc. | -45.41% | 1.47% | -42.05% | 113.33% | -64.95% | -76.72% |
UPST Upstart Holdings, Inc. | -29.11% | -28.98% | 50.69% | 209.08% | -91.26% | 59.05% |
Correlation
The correlation between LDI and UPST is 0.46, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.46 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.38 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.37 |
Correlation (All Time) Calculated using the full available price history since Feb 12, 2021 | 0.36 |
The correlation between LDI and UPST shifts across timeframes, from 0.36 (all time) to 0.46 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
LDI:
$258.73M
UPST:
$3.00B
LDI:
-$0.36
UPST:
$0.47
LDI:
0.18
UPST:
2.81
LDI:
0.77
UPST:
4.10
LDI:
$1.34B
UPST:
$1.16B
LDI:
$841.99M
UPST:
$810.61M
LDI:
-$34.48M
UPST:
$67.66M
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. UPST — Risk / Return Rank
LDI
UPST
LDI vs. UPST - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for loanDepot, Inc. (LDI) and Upstart Holdings, Inc. (UPST). 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.
| LDI | UPST | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.47 | ||
| Sortino ratioReturn per unit of downside risk | +1.09 | ||
| Omega ratioGain probability vs. loss probability | 1.05 | 0.93 | +0.12 |
| Calmar ratioReturn relative to maximum drawdown | -0.17 | -0.60 | +0.43 |
| Martin ratioReturn relative to average drawdown | -0.29 | -0.91 | +0.63 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading charts...
Sharpe Ratios by Period
| LDI | UPST | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -0.14 | -0.61 | +0.47 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.52 | -0.26 | -0.25 |
Sharpe Ratio (All Time)Calculated using the full available price history | -0.53 | 0.01 | -0.53 |
Drawdowns
LDI vs. UPST - Drawdown Comparison
The maximum LDI drawdown since its inception was -96.47%, roughly equal to the maximum UPST drawdown of -96.90%. Use the drawdown chart below to compare losses from any high point for LDI and UPST.
Loading charts...
Drawdown Indicators
| LDI | UPST | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -96.47% | -96.90% | +0.43% |
Max Drawdown (1Y)Largest decline over 1 year | -75.22% | -71.21% | -4.01% |
Max Drawdown (3Y)Largest decline over 3 years | -75.22% | -72.72% | -2.50% |
Max Drawdown (5Y)Largest decline over 5 years | -92.39% | -96.90% | +4.51% |
Current DrawdownCurrent decline from peak | -96.09% | -92.05% | -4.04% |
Average DrawdownAverage peak-to-trough decline | -87.20% | -76.19% | -11.01% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 45.85% | 47.16% | -1.31% |
Volatility
LDI vs. UPST - Volatility Comparison
loanDepot, Inc. (LDI) and Upstart Holdings, Inc. (UPST) have volatilities of 20.66% and 21.23%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| LDI | UPST | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 20.66% | 21.23% | -0.57% |
Volatility (6M)Calculated over the trailing 6-month period | 51.71% | 50.15% | +1.56% |
Volatility (1Y)Calculated over the trailing 1-year period | 93.69% | 71.16% | +22.53% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 77.22% | 103.83% | -26.61% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 79.98% | 114.00% | -34.02% |
Dividends
LDI vs. UPST - Dividend Comparison
Neither LDI nor UPST 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% |
UPST Upstart Holdings, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
LDI vs. UPST - Financials Comparison
This section allows you to compare key financial metrics between loanDepot, Inc. and Upstart 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. UPST - 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%.
UPST - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Upstart Holdings, Inc. reported a gross profit of 0.00 and revenue of 308.21M. 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%.
UPST - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Upstart Holdings, Inc. reported an operating income of -7.52M and revenue of 308.21M, resulting in an operating margin of -2.4%.
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%.
UPST - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Upstart Holdings, Inc. reported a net income of -6.65M and revenue of 308.21M, resulting in a net margin of -2.2%.
Frequently Asked Questions
LDI and UPST have a correlation of 0.46, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
UPST has higher volatility (21.23%) compared to LDI (20.66%). In terms of maximum drawdown, LDI dropped -96.47% vs UPST's -96.90%.
LDI currently has the higher Sharpe Ratio (-0.14 vs -0.61), 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 UPST
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