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Side-by-side financial comparison of loanDepot, Inc. (LDI) and ONESPAWORLD HOLDINGS Ltd (OSW). Click either name above to swap in a different company.
loanDepot, Inc. is the larger business by last-quarter revenue ($310.3M vs $242.1M, roughly 1.3× ONESPAWORLD HOLDINGS Ltd). ONESPAWORLD HOLDINGS Ltd runs the higher net margin — 5.0% vs -7.2%, a 12.2% gap on every dollar of revenue. On growth, loanDepot, Inc. posted the faster year-over-year revenue change (20.5% vs 11.5%). ONESPAWORLD HOLDINGS Ltd produced more free cash flow last quarter ($14.9M vs $-648.0M). Over the past eight quarters, loanDepot, Inc.'s revenue compounded faster (18.0% CAGR vs 7.1%).
LoanDepot, sometimes stylized as loanDepot, is an Irvine, California-based nonbank holding company which sells mortgage and non-mortgage lending products.
LDI vs OSW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $310.3M | $242.1M |
| Net Profit | $-22.5M | $12.1M |
| Gross Margin | — | — |
| Operating Margin | -10.3% | 6.8% |
| Net Margin | -7.2% | 5.0% |
| Revenue YoY | 20.5% | 11.5% |
| Net Profit YoY | 32.4% | -16.2% |
| EPS (diluted) | — | $0.12 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $310.3M | $242.1M | ||
| Q3 25 | $323.3M | $258.5M | ||
| Q2 25 | $282.5M | $240.7M | ||
| Q1 25 | $273.6M | $219.6M | ||
| Q4 24 | $257.5M | $217.2M | ||
| Q3 24 | $314.6M | $241.7M | ||
| Q2 24 | $265.4M | $224.9M | ||
| Q1 24 | $222.8M | $211.2M |
| Q4 25 | $-22.5M | $12.1M | ||
| Q3 25 | $-4.9M | $24.3M | ||
| Q2 25 | $-13.4M | $19.9M | ||
| Q1 25 | $-21.9M | $15.3M | ||
| Q4 24 | $-33.2M | $14.4M | ||
| Q3 24 | $1.4M | $21.6M | ||
| Q2 24 | $-32.2M | $15.8M | ||
| Q1 24 | $-34.3M | $21.2M |
| Q4 25 | -10.3% | 6.8% | ||
| Q3 25 | -3.2% | 10.2% | ||
| Q2 25 | -11.4% | 9.2% | ||
| Q1 25 | -16.8% | 7.7% | ||
| Q4 24 | -32.7% | 7.9% | ||
| Q3 24 | 1.1% | 10.3% | ||
| Q2 24 | -29.1% | 8.4% | ||
| Q1 24 | -38.2% | 8.0% |
| Q4 25 | -7.2% | 5.0% | ||
| Q3 25 | -1.5% | 9.4% | ||
| Q2 25 | -4.7% | 8.3% | ||
| Q1 25 | -8.0% | 7.0% | ||
| Q4 24 | -12.9% | 6.6% | ||
| Q3 24 | 0.4% | 8.9% | ||
| Q2 24 | -12.1% | 7.0% | ||
| Q1 24 | -15.4% | 10.0% |
| Q4 25 | — | $0.12 | ||
| Q3 25 | — | $0.23 | ||
| Q2 25 | — | $0.19 | ||
| Q1 25 | — | $0.15 | ||
| Q4 24 | — | $0.13 | ||
| Q3 24 | $0.01 | $0.20 | ||
| Q2 24 | $-0.18 | $0.15 | ||
| Q1 24 | $-0.19 | $0.21 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $337.2M | $16.3M |
| Total DebtLower is stronger | $2.1B | $84.0M |
| Stockholders' EquityBook value | $386.0M | $542.6M |
| Total Assets | $6.9B | $707.1M |
| Debt / EquityLower = less leverage | 5.44× | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $337.2M | $16.3M | ||
| Q3 25 | $459.2M | $29.6M | ||
| Q2 25 | $408.6M | $35.0M | ||
| Q1 25 | $371.5M | $22.6M | ||
| Q4 24 | $421.6M | $57.4M | ||
| Q3 24 | $483.0M | $48.8M | ||
| Q2 24 | $533.2M | $62.5M | ||
| Q1 24 | $603.7M | $65.4M |
| Q4 25 | $2.1B | $84.0M | ||
| Q3 25 | $2.1B | $85.2M | ||
| Q2 25 | $2.1B | $96.2M | ||
| Q1 25 | $2.0B | $97.4M | ||
| Q4 24 | $2.0B | $98.6M | ||
| Q3 24 | $2.0B | $98.7M | ||
| Q2 24 | $2.0B | $123.8M | ||
| Q1 24 | $2.3B | $138.6M |
| Q4 25 | $386.0M | $542.6M | ||
| Q3 25 | $433.3M | $552.8M | ||
| Q2 25 | $439.1M | $548.3M | ||
| Q1 25 | $469.3M | $530.6M | ||
| Q4 24 | $506.6M | $554.5M | ||
| Q3 24 | $592.0M | $540.1M | ||
| Q2 24 | $578.9M | $532.7M | ||
| Q1 24 | $637.3M | $515.5M |
| Q4 25 | $6.9B | $707.1M | ||
| Q3 25 | $6.2B | $732.6M | ||
| Q2 25 | $6.2B | $731.8M | ||
| Q1 25 | $6.4B | $708.7M | ||
| Q4 24 | $6.3B | $746.4M | ||
| Q3 24 | $6.4B | $734.0M | ||
| Q2 24 | $5.9B | $756.8M | ||
| Q1 24 | $6.2B | $763.6M |
| Q4 25 | 5.44× | 0.15× | ||
| Q3 25 | 4.83× | 0.15× | ||
| Q2 25 | 4.70× | 0.18× | ||
| Q1 25 | 4.30× | 0.18× | ||
| Q4 24 | 4.00× | 0.18× | ||
| Q3 24 | 3.31× | 0.18× | ||
| Q2 24 | 3.41× | 0.23× | ||
| Q1 24 | 3.63× | 0.27× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-638.7M | $20.0M |
| Free Cash FlowOCF − Capex | $-648.0M | $14.9M |
| FCF MarginFCF / Revenue | -208.9% | 6.2% |
| Capex IntensityCapex / Revenue | 3.0% | 2.1% |
| Cash ConversionOCF / Net Profit | — | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | $-734.6M | $68.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-638.7M | $20.0M | ||
| Q3 25 | $43.4M | $33.2M | ||
| Q2 25 | $67.6M | $20.3M | ||
| Q1 25 | $-179.9M | $10.1M | ||
| Q4 24 | $47.7M | $16.6M | ||
| Q3 24 | $-349.2M | $28.6M | ||
| Q2 24 | $-278.3M | $18.7M | ||
| Q1 24 | $-278.5M | $15.0M |
| Q4 25 | $-648.0M | $14.9M | ||
| Q3 25 | $38.7M | $27.6M | ||
| Q2 25 | $61.4M | $17.6M | ||
| Q1 25 | $-186.7M | $8.4M | ||
| Q4 24 | $40.8M | $13.2M | ||
| Q3 24 | $-356.4M | $27.5M | ||
| Q2 24 | $-285.7M | $17.6M | ||
| Q1 24 | $-283.3M | $13.7M |
| Q4 25 | -208.9% | 6.2% | ||
| Q3 25 | 12.0% | 10.7% | ||
| Q2 25 | 21.7% | 7.3% | ||
| Q1 25 | -68.2% | 3.8% | ||
| Q4 24 | 15.8% | 6.1% | ||
| Q3 24 | -113.3% | 11.4% | ||
| Q2 24 | -107.7% | 7.8% | ||
| Q1 24 | -127.2% | 6.5% |
| Q4 25 | 3.0% | 2.1% | ||
| Q3 25 | 1.5% | 2.2% | ||
| Q2 25 | 2.2% | 1.1% | ||
| Q1 25 | 2.5% | 0.8% | ||
| Q4 24 | 2.7% | 1.5% | ||
| Q3 24 | 2.3% | 0.5% | ||
| Q2 24 | 2.8% | 0.5% | ||
| Q1 24 | 2.1% | 0.6% |
| Q4 25 | — | 1.65× | ||
| Q3 25 | — | 1.36× | ||
| Q2 25 | — | 1.02× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 1.15× | ||
| Q3 24 | -255.05× | 1.33× | ||
| Q2 24 | — | 1.19× | ||
| Q1 24 | — | 0.71× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LDI
Segment breakdown not available.
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
