LOANDEPOT INC -CLASS A (LDI) Fundamental Analysis & Valuation

NYSE:LDI • US53946R1068

Current stock price

1.59 USD
+0.03 (+1.92%)
At close:
1.62 USD
+0.03 (+1.89%)
After Hours:

This LDI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. LDI Profitability Analysis

1.1 Basic Checks

  • LDI had negative earnings in the past year.
  • In the past year LDI has reported a negative cash flow from operations.
  • LDI had negative earnings in 4 of the past 5 years.
  • LDI had negative operating cash flow in 4 of the past 5 years.
LDI Yearly Net Income VS EBIT VS OCF VS FCFLDI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B

1.2 Ratios

  • LDI's Return On Assets of -0.91% is on the low side compared to the rest of the industry. LDI is outperformed by 77.78% of its industry peers.
  • LDI has a Return On Equity of -26.71%. This is amonst the worse of the industry: LDI underperforms 81.82% of its industry peers.
  • LDI's Return On Invested Capital of 3.29% is in line compared to the rest of the industry. LDI outperforms 55.56% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for LDI is significantly below the industry average of 7.98%.
  • The last Return On Invested Capital (3.29%) for LDI is above the 3 year average (2.37%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA -0.91%
ROE -26.71%
ROIC 3.29%
ROA(3y)-1.42%
ROA(5y)-1.48%
ROE(3y)-31.31%
ROE(5y)-27.06%
ROIC(3y)2.37%
ROIC(5y)N/A
LDI Yearly ROA, ROE, ROICLDI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40 -60

1.3 Margins

  • Looking at the Operating Margin, with a value of 16.58%, LDI is in the better half of the industry, outperforming 61.62% of the companies in the same industry.
  • LDI's Operating Margin has declined in the last couple of years.
  • LDI has a better Gross Margin (82.09%) than 86.87% of its industry peers.
  • LDI's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 16.58%
PM (TTM) N/A
GM 82.09%
OM growth 3YN/A
OM growth 5Y-19.7%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.99%
GM growth 5Y-2.43%
LDI Yearly Profit, Operating, Gross MarginsLDI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80

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0

2. LDI Health Analysis

2.1 Basic Checks

  • LDI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, LDI has more shares outstanding
  • LDI has more shares outstanding than it did 5 years ago.
  • LDI has a worse debt/assets ratio than last year.
LDI Yearly Shares OutstandingLDI Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
LDI Yearly Total Debt VS Total AssetsLDI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.2 Solvency

  • LDI has an Altman-Z score of -0.31. This is a bad value and indicates that LDI is not financially healthy and even has some risk of bankruptcy.
  • LDI has a Altman-Z score of -0.31. This is in the lower half of the industry: LDI underperforms 68.69% of its industry peers.
  • A Debt/Equity ratio of 19.84 is on the high side and indicates that LDI has dependencies on debt financing.
  • LDI's Debt to Equity ratio of 19.84 is on the low side compared to the rest of the industry. LDI is outperformed by 87.88% of its industry peers.
Industry RankSector Rank
Debt/Equity 19.84
Debt/FCF N/A
Altman-Z -0.31
ROIC/WACC0.53
WACC6.17%
LDI Yearly LT Debt VS Equity VS FCFLDI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B 6B 8B

2.3 Liquidity

  • A Current Ratio of 0.09 indicates that LDI may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.09, LDI is doing worse than 78.79% of the companies in the same industry.
  • LDI has a Quick Ratio of 0.09. This is a bad value and indicates that LDI is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of LDI (0.09) is worse than 78.79% of its industry peers.
Industry RankSector Rank
Current Ratio 0.09
Quick Ratio 0.09
LDI Yearly Current Assets VS Current LiabilitesLDI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. LDI Growth Analysis

3.1 Past

  • LDI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 39.49%, which is quite impressive.
  • LDI shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.34%.
  • LDI shows a very negative growth in Revenue. Measured over the last years, the Revenue has been decreasing by -20.13% yearly.
EPS 1Y (TTM)39.49%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%60%
Revenue 1Y (TTM)8.34%
Revenue growth 3Y-1.36%
Revenue growth 5Y-20.13%
Sales Q2Q%20.51%

3.2 Future

  • LDI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 76.43% yearly.
  • The Revenue is expected to grow by 15.92% on average over the next years. This is quite good.
EPS Next Y146.01%
EPS Next 2Y76.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year17.88%
Revenue Next 2Y15.92%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
LDI Yearly Revenue VS EstimatesLDI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B
LDI Yearly EPS VS EstimatesLDI Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 1 -1

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4

4. LDI Valuation Analysis

4.1 Price/Earnings Ratio

  • LDI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • The Price/Forward Earnings ratio is 14.64, which indicates a correct valuation of LDI.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of LDI is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.29, LDI is valued a bit cheaper.
Industry RankSector Rank
PE N/A
Fwd PE 14.64
LDI Price Earnings VS Forward Price EarningsLDI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

  • 75.76% of the companies in the same industry are more expensive than LDI, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 8.17
LDI Per share dataLDI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4

4.3 Compensation for Growth

  • LDI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as LDI's earnings are expected to grow with 76.43% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y76.43%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. LDI Dividend Analysis

5.1 Amount

  • LDI has a Yearly Dividend Yield of 18.93%, which is a nice return.
  • In the last 3 months the price of LDI has falen by -39.54%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • LDI's Dividend Yield is rather good when compared to the industry average which is at 1.81. LDI pays more dividend than 100.00% of the companies in the same industry.
  • LDI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 18.93%

5.2 History

  • LDI does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
LDI Yearly Dividends per shareLDI Yearly Dividends per shareYearly Dividends per share 2021 2022 0.2 0.4 0.6 0.8

5.3 Sustainability

  • LDI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-3.94%
EPS Next 2Y76.43%
EPS Next 3YN/A
LDI Yearly Income VS Free CF VS DividendLDI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B -2B 4B

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LDI Fundamentals: All Metrics, Ratios and Statistics

LOANDEPOT INC -CLASS A

NYSE:LDI (4/24/2026, 8:04:00 PM)

After market: 1.62 +0.03 (+1.89%)

1.59

+0.03 (+1.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-10
Earnings (Next)05-05
Inst Owners24.42%
Inst Owner Change0.25%
Ins Owners4.79%
Ins Owner Change5.93%
Market Cap532.70M
Revenue(TTM)1.54B
Net Income(TTM)-62.65M
Analysts45.45
Price Target1.84 (15.72%)
Short Float %15.56%
Short Ratio6.47
Dividend
Industry RankSector Rank
Dividend Yield 18.93%
Yearly Dividend0.01
Dividend Growth(5Y)N/A
DP-3.94%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-46.82%
Min EPS beat(2)-119.36%
Max EPS beat(2)25.72%
EPS beat(4)2
Avg EPS beat(4)-33.81%
Min EPS beat(4)-119.36%
Max EPS beat(4)25.72%
EPS beat(8)4
Avg EPS beat(8)-1479.69%
EPS beat(12)7
Avg EPS beat(12)-983.95%
EPS beat(16)7
Avg EPS beat(16)-815.22%
Revenue beat(2)1
Avg Revenue beat(2)-2.86%
Min Revenue beat(2)-8.01%
Max Revenue beat(2)2.3%
Revenue beat(4)1
Avg Revenue beat(4)-4.22%
Min Revenue beat(4)-9.68%
Max Revenue beat(4)2.3%
Revenue beat(8)3
Avg Revenue beat(8)-2.43%
Revenue beat(12)6
Avg Revenue beat(12)1.31%
Revenue beat(16)10
Avg Revenue beat(16)5.84%
PT rev (1m)-24.47%
PT rev (3m)-24.47%
EPS NQ rev (1m)-420%
EPS NQ rev (3m)-205.26%
EPS NY rev (1m)-32.81%
EPS NY rev (3m)-36.01%
Revenue NQ rev (1m)-11.09%
Revenue NQ rev (3m)-12.37%
Revenue NY rev (1m)-4.62%
Revenue NY rev (3m)-5.25%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 14.64
P/S 0.35
P/FCF N/A
P/OCF N/A
P/B 2.27
P/tB 2.27
EV/EBITDA 8.17
EPS(TTM)-0.24
EYN/A
EPS(NY)0.11
Fwd EY6.83%
FCF(TTM)-2.19
FCFYN/A
OCF(TTM)-2.11
OCFYN/A
SpS4.59
BVpS0.7
TBVpS0.7
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -0.91%
ROE -26.71%
ROCE 7.91%
ROIC 3.29%
ROICexc 3.48%
ROICexgc 3.64%
OM 16.58%
PM (TTM) N/A
GM 82.09%
FCFM N/A
ROA(3y)-1.42%
ROA(5y)-1.48%
ROE(3y)-31.31%
ROE(5y)-27.06%
ROIC(3y)2.37%
ROIC(5y)N/A
ROICexc(3y)2.56%
ROICexc(5y)N/A
ROICexgc(3y)3.02%
ROICexgc(5y)N/A
ROCE(3y)5.36%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y-30.66%
ROICexc growth 3YN/A
ROICexc growth 5Y-28.32%
OM growth 3YN/A
OM growth 5Y-19.7%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.99%
GM growth 5Y-2.43%
F-Score4
Asset Turnover0.22
Health
Industry RankSector Rank
Debt/Equity 19.84
Debt/FCF N/A
Debt/EBITDA 16.56
Cap/Depr 103.35%
Cap/Sales 1.76%
Interest Coverage 0.84
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.09
Quick Ratio 0.09
Altman-Z -0.31
F-Score4
WACC6.17%
ROIC/WACC0.53
Cap/Depr(3y)75.46%
Cap/Depr(5y)96.23%
Cap/Sales(3y)1.74%
Cap/Sales(5y)1.83%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)39.49%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%60%
EPS Next Y146.01%
EPS Next 2Y76.43%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)8.34%
Revenue growth 3Y-1.36%
Revenue growth 5Y-20.13%
Sales Q2Q%20.51%
Revenue Next Year17.88%
Revenue Next 2Y15.92%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y40.69%
EBIT growth 3YN/A
EBIT growth 5Y-35.87%
EBIT Next Year1174.18%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y17.63%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y18.25%
OCF growth 3YN/A
OCF growth 5YN/A

LOANDEPOT INC -CLASS A / LDI Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for LOANDEPOT INC -CLASS A?

ChartMill assigns a fundamental rating of 2 / 10 to LDI.


Can you provide the valuation status for LOANDEPOT INC -CLASS A?

ChartMill assigns a valuation rating of 4 / 10 to LOANDEPOT INC -CLASS A (LDI). This can be considered as Fairly Valued.


What is the profitability of LDI stock?

LOANDEPOT INC -CLASS A (LDI) has a profitability rating of 2 / 10.


What is the financial health of LOANDEPOT INC -CLASS A (LDI) stock?

The financial health rating of LOANDEPOT INC -CLASS A (LDI) is 0 / 10.


Is the dividend of LOANDEPOT INC -CLASS A sustainable?

The dividend rating of LOANDEPOT INC -CLASS A (LDI) is 4 / 10 and the dividend payout ratio is -3.94%.