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Side-by-side financial comparison of loanDepot, Inc. (LDI) and UNIVERSAL TECHNICAL INSTITUTE INC (UTI). Click either name above to swap in a different company.
loanDepot, Inc. is the larger business by last-quarter revenue ($310.3M vs $220.8M, roughly 1.4× UNIVERSAL TECHNICAL INSTITUTE INC). UNIVERSAL TECHNICAL INSTITUTE INC runs the higher net margin — 5.8% vs -7.2%, a 13.1% gap on every dollar of revenue. On growth, loanDepot, Inc. posted the faster year-over-year revenue change (20.5% vs 9.6%). UNIVERSAL TECHNICAL INSTITUTE INC produced more free cash flow last quarter ($-19.2M vs $-648.0M). Over the past eight quarters, loanDepot, Inc.'s revenue compounded faster (18.0% CAGR vs 9.5%).
LoanDepot, sometimes stylized as loanDepot, is an Irvine, California-based nonbank holding company which sells mortgage and non-mortgage lending products.
Universal Technical Institute, Inc. (UTI) is a private for-profit system of technical colleges in the United States. It was established in 1965 by Robert Sweet.
LDI vs UTI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $310.3M | $220.8M |
| Net Profit | $-22.5M | $12.8M |
| Gross Margin | — | — |
| Operating Margin | -10.3% | 7.1% |
| Net Margin | -7.2% | 5.8% |
| Revenue YoY | 20.5% | 9.6% |
| Net Profit YoY | 32.4% | -42.1% |
| EPS (diluted) | — | $0.23 |
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 | $220.8M | ||
| Q3 25 | $323.3M | $222.4M | ||
| Q2 25 | $282.5M | $204.3M | ||
| Q1 25 | $273.6M | $207.4M | ||
| Q4 24 | $257.5M | $201.4M | ||
| Q3 24 | $314.6M | $196.4M | ||
| Q2 24 | $265.4M | $177.5M | ||
| Q1 24 | $222.8M | $184.2M |
| Q4 25 | $-22.5M | $12.8M | ||
| Q3 25 | $-4.9M | $18.8M | ||
| Q2 25 | $-13.4M | $10.7M | ||
| Q1 25 | $-21.9M | $11.4M | ||
| Q4 24 | $-33.2M | $22.2M | ||
| Q3 24 | $1.4M | $18.8M | ||
| Q2 24 | $-32.2M | $5.0M | ||
| Q1 24 | $-34.3M | $7.8M |
| Q4 25 | -10.3% | 7.1% | ||
| Q3 25 | -3.2% | 11.2% | ||
| Q2 25 | -11.4% | 6.9% | ||
| Q1 25 | -16.8% | 8.1% | ||
| Q4 24 | -32.7% | 13.6% | ||
| Q3 24 | 1.1% | 13.3% | ||
| Q2 24 | -29.1% | 4.2% | ||
| Q1 24 | -38.2% | 6.1% |
| Q4 25 | -7.2% | 5.8% | ||
| Q3 25 | -1.5% | 8.4% | ||
| Q2 25 | -4.7% | 5.2% | ||
| Q1 25 | -8.0% | 5.5% | ||
| Q4 24 | -12.9% | 11.0% | ||
| Q3 24 | 0.4% | 9.6% | ||
| Q2 24 | -12.1% | 2.8% | ||
| Q1 24 | -15.4% | 4.2% |
| Q4 25 | — | $0.23 | ||
| Q3 25 | — | $0.33 | ||
| Q2 25 | — | $0.19 | ||
| Q1 25 | — | $0.21 | ||
| Q4 24 | — | $0.40 | ||
| Q3 24 | $0.01 | $0.35 | ||
| Q2 24 | $-0.18 | $0.09 | ||
| Q1 24 | $-0.19 | $0.14 |
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 | $162.8M |
| Total DebtLower is stronger | $2.1B | $101.4M |
| Stockholders' EquityBook value | $386.0M | $335.9M |
| Total Assets | $6.9B | $834.0M |
| Debt / EquityLower = less leverage | 5.44× | 0.30× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $337.2M | $162.8M | ||
| Q3 25 | $459.2M | $169.1M | ||
| Q2 25 | $408.6M | $70.7M | ||
| Q1 25 | $371.5M | $96.0M | ||
| Q4 24 | $421.6M | $172.0M | ||
| Q3 24 | $483.0M | $161.9M | ||
| Q2 24 | $533.2M | $115.5M | ||
| Q1 24 | $603.7M | $116.1M |
| Q4 25 | $2.1B | $101.4M | ||
| Q3 25 | $2.1B | $87.1M | ||
| Q2 25 | $2.1B | $73.8M | ||
| Q1 25 | $2.0B | $94.4M | ||
| Q4 24 | $2.0B | $120.1M | ||
| Q3 24 | $2.0B | $125.7M | ||
| Q2 24 | $2.0B | $137.3M | ||
| Q1 24 | $2.3B | $141.9M |
| Q4 25 | $386.0M | $335.9M | ||
| Q3 25 | $433.3M | $328.1M | ||
| Q2 25 | $439.1M | $306.8M | ||
| Q1 25 | $469.3M | $293.9M | ||
| Q4 24 | $506.6M | $280.0M | ||
| Q3 24 | $592.0M | $260.2M | ||
| Q2 24 | $578.9M | $239.4M | ||
| Q1 24 | $637.3M | $232.6M |
| Q4 25 | $6.9B | $834.0M | ||
| Q3 25 | $6.2B | $826.1M | ||
| Q2 25 | $6.2B | $740.8M | ||
| Q1 25 | $6.4B | $720.4M | ||
| Q4 24 | $6.3B | $753.8M | ||
| Q3 24 | $6.4B | $744.6M | ||
| Q2 24 | $5.9B | $706.0M | ||
| Q1 24 | $6.2B | $702.1M |
| Q4 25 | 5.44× | 0.30× | ||
| Q3 25 | 4.83× | 0.27× | ||
| Q2 25 | 4.70× | 0.24× | ||
| Q1 25 | 4.30× | 0.32× | ||
| Q4 24 | 4.00× | 0.43× | ||
| Q3 24 | 3.31× | 0.48× | ||
| Q2 24 | 3.41× | 0.57× | ||
| Q1 24 | 3.63× | 0.61× |
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 | $3.1M |
| Free Cash FlowOCF − Capex | $-648.0M | $-19.2M |
| FCF MarginFCF / Revenue | -208.9% | -8.7% |
| Capex IntensityCapex / Revenue | 3.0% | 10.1% |
| Cash ConversionOCF / Net Profit | — | 0.24× |
| TTM Free Cash FlowTrailing 4 quarters | $-734.6M | $16.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-638.7M | $3.1M | ||
| Q3 25 | $43.4M | $57.1M | ||
| Q2 25 | $67.6M | $18.1M | ||
| Q1 25 | $-179.9M | $-789.0K | ||
| Q4 24 | $47.7M | $23.0M | ||
| Q3 24 | $-349.2M | $67.5M | ||
| Q2 24 | $-278.3M | $10.0M | ||
| Q1 24 | $-278.5M | $-2.5M |
| Q4 25 | $-648.0M | $-19.2M | ||
| Q3 25 | $38.7M | $40.6M | ||
| Q2 25 | $61.4M | $6.8M | ||
| Q1 25 | $-186.7M | $-11.7M | ||
| Q4 24 | $40.8M | $19.6M | ||
| Q3 24 | $-356.4M | $60.0M | ||
| Q2 24 | $-285.7M | $3.0M | ||
| Q1 24 | $-283.3M | $-8.4M |
| Q4 25 | -208.9% | -8.7% | ||
| Q3 25 | 12.0% | 18.3% | ||
| Q2 25 | 21.7% | 3.4% | ||
| Q1 25 | -68.2% | -5.7% | ||
| Q4 24 | 15.8% | 9.7% | ||
| Q3 24 | -113.3% | 30.6% | ||
| Q2 24 | -107.7% | 1.7% | ||
| Q1 24 | -127.2% | -4.6% |
| Q4 25 | 3.0% | 10.1% | ||
| Q3 25 | 1.5% | 7.4% | ||
| Q2 25 | 2.2% | 5.5% | ||
| Q1 25 | 2.5% | 5.3% | ||
| Q4 24 | 2.7% | 1.7% | ||
| Q3 24 | 2.3% | 3.8% | ||
| Q2 24 | 2.8% | 4.0% | ||
| Q1 24 | 2.1% | 3.2% |
| Q4 25 | — | 0.24× | ||
| Q3 25 | — | 3.04× | ||
| Q2 25 | — | 1.69× | ||
| Q1 25 | — | -0.07× | ||
| Q4 24 | — | 1.04× | ||
| Q3 24 | -255.05× | 3.58× | ||
| Q2 24 | — | 2.01× | ||
| Q1 24 | — | -0.32× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LDI
Segment breakdown not available.
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
