LDI vs USB
LDI: A digital-first mortgage originator and servicer offering conventional, jumbo, FHA/VA, and home equity lending solutions with a focus on underserved and first-time homebuyers. USB: A diversified financial services holding company offering retail and commercial banking, wealth management, capital markets, and payment processing to millions of customers across the U.S.
Side-by-side fundamentals
| Metric | LDI | USB | Edge |
|---|---|---|---|
| Price as of 2026-07-27 close | $0.998 | $63.49 | |
| Market cap as of 2026-07-30 | $341M | $98.6B | |
| P/E as of 2026-07-30 | n/a | 12.19 | |
| PEG as of 2026-07-30 | n/a | 1.11 | |
| Net margin as of 2026-07-30 | -5.0% | +20.0% | USB higher |
| Gross margin as of 2026-07-30 | +81.9% | n/a | |
| Operating margin as of 2026-07-30 | +16.9% | +25.2% | USB higher |
| ROE as of 2026-07-30 | -32.3% | +12.5% | USB higher |
| ROA as of 2026-07-30 | -1.2% | +1.2% | USB higher |
| Debt / equity as of 2026-07-30 | 25.16 | 1.42 | USB lower |
| Revenue growth (YoY) as of 2026-07-30 | +7.3% | +84.1% | USB higher |
| Revenue CAGR (3y) SEC XBRL | n/a | +5.6% | |
| Dividend yield as of 2026-07-30 | +18.9% | +3.2% | LDI higher |
| Dividend streak (yrs) SEC XBRL | n/a | 5 | |
| Beta as of 2026-07-30 | 3.13 | 0.98 | |
| 1-year return as of 2026-07-27 close | -43.9% | +37.1% | USB higher |
Fundamentals: market data, as of 2026-07-30. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-27.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.