Groundfloor vs Home Depot
Side-by-side comparison of AI visibility scores, market position, and capabilities
Real estate debt crowdfunding for non-accredited investors; $10 minimum in fractionalized loans on fix-and-flip projects; 8-15% interest on 6-18 month terms; first SEC Reg A+ debt platform.
About
Groundfloor is an Atlanta-based real estate lending and investment platform that enables non-accredited investors to participate in short-term real estate debt by investing as little as $10 in fractionalized loans on residential fix-and-flip and new construction projects. Borrowers — real estate investors and developers — receive fast bridge loans for acquisition and renovation, while retail investors earn interest rates typically ranging from 8-15% on 6-18 month loan terms. Groundfloor was the first company to receive SEC qualification under Regulation A+ to offer real estate debt investments to non-accredited investors, making it a pioneering platform in democratizing real estate credit investing. The company has originated over $1B in loans and has expanded to offer a savings account-like product (Stairs) that provides higher yields than traditional banks through its underlying real estate loan portfolio. Founded in 2013, Groundfloor has raised institutional funding and grown a retail investor base of over 200,000 users. It competes with PeerStreet and RealtyMogul in the real estate crowdfunding debt market.
FY2024 Revenue: $159.5B (+4.5% YoY) | Net earnings: $14.8B | EPS: $14.91 | Q4 sales: $39.7B (+14.1%) | Comparable sales: -1.8% | Dividend increase: 2.2%
About
The Home Depot was founded in 1978 by Bernie Marcus and Arthur Blank in Atlanta, Georgia, with the vision of creating a home improvement warehouse store giving both professional contractors and do-it-yourself homeowners access to building materials, tools, and home products at prices previously available only through trade channels. The founders' big-box retail model disrupted the fragmented hardware and lumber dealer industry and created the home improvement retail category as it exists today. Home Depot went public in 1981 and grew to become one of the largest retailers in the world.\n\nHome Depot's assortment spans lumber and building materials, flooring, plumbing, electrical, paint, appliances, garden, tools, and hardware, supported by Pro services including dedicated desks, jobsite delivery, volume pricing, and the Pro Xtra loyalty program. A substantial installation services business — windows, doors, flooring, roofing, kitchens — enables product-and-labor purchases in a single transaction. Rapid deployment centers and flatbed distribution centers support same-day and next-day delivery for Pro customers and online orders across 2,300+ stores in the United States, Canada, and Mexico.\n\nHome Depot reported FY2024 revenue of $159.5 billion (+4.5% YoY) with net earnings of $14.8 billion and EPS of $14.91. Q4 FY2024 sales reached $39.7 billion (+14.1%), driven in part by the SRS Distribution acquisition expanding Pro market reach. Home Depot is the #1 home improvement retailer worldwide by revenue, and its scale advantages in purchasing, supply chain, and store density create durable competitive separation from Lowe's and independent hardware retailers.
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