LOANDEPOT INC -CLASS A (LDI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:LDI - US53946R1068 - Common Stock
2.71 USD
-0.12 (-4.24%)
2.78 USD
+0.07 (+2.58%)
Overall LDI gets a fundamental rating of 2 out of 10. We evaluated LDI against 98 industry peers in the Financial Services industry. LDI may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, LDI is valued expensive at the moment.
1. Profitability
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.
In the past 5 years LDI reported 4 times negative net income.
In the past 5 years LDI reported 4 times negative operating cash flow.
1.2 Ratios
LDI has a Return On Assets of -1.18%. This is amonst the worse of the industry: LDI underperforms 80.61% of its industry peers.
LDI's Return On Equity of -28.30% is on the low side compared to the rest of the industry. LDI is outperformed by 84.69% of its industry peers.
LDI's Return On Invested Capital of 2.95% is in line compared to the rest of the industry. LDI outperforms 50.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.18% | ||
| ROE | -28.3% | ||
| ROIC | 2.95% |
ROA(3y)-2.49%
ROA(5y)-1.3%
ROE(3y)-43.42%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
LDI has a Operating Margin (13.38%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of LDI has remained more or less at the same level.
With an excellent Gross Margin value of 81.26%, LDI belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
LDI's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.38% | ||
| PM (TTM) | N/A | ||
| GM | 81.26% |
OM growth 3Y-22.94%
OM growth 5Y0.38%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.88%
GM growth 5Y-0.57%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so LDI is destroying value.
The number of shares outstanding for LDI has been increased compared to 1 year ago.
LDI has more shares outstanding than it did 5 years ago.
LDI has a worse debt/assets ratio than last year.
2.2 Solvency
LDI has an Altman-Z score of -0.21. This is a bad value and indicates that LDI is not financially healthy and even has some risk of bankruptcy.
LDI's Altman-Z score of -0.21 is on the low side compared to the rest of the industry. LDI is outperformed by 69.39% of its industry peers.
A Debt/Equity ratio of 15.18 is on the high side and indicates that LDI has dependencies on debt financing.
LDI has a worse Debt to Equity ratio (15.18) than 88.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 15.18 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.21 |
ROIC/WACC0.44
WACC6.74%
2.3 Liquidity
LDI has a Current Ratio of 0.20. This is a bad value and indicates that LDI is not financially healthy enough and could expect problems in meeting its short term obligations.
LDI has a Current ratio of 0.20. This is in the lower half of the industry: LDI underperforms 71.43% of its industry peers.
A Quick Ratio of 0.20 indicates that LDI may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.20, LDI is doing worse than 71.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.2 | ||
| Quick Ratio | 0.2 |
3. Growth
3.1 Past
LDI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -65.22%.
LDI shows a small growth in Revenue. In the last year, the Revenue has grown by 6.06%.
The Revenue has been decreasing by -2.31% on average over the past years.
EPS 1Y (TTM)-65.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-150%
Revenue 1Y (TTM)6.06%
Revenue growth 3Y-31.48%
Revenue growth 5Y-2.31%
Sales Q2Q%2.77%
3.2 Future
Based on estimates for the next years, LDI will show a very strong growth in Earnings Per Share. The EPS will grow by 41.64% on average per year.
Based on estimates for the next years, LDI will show a quite strong growth in Revenue. The Revenue will grow by 13.05% on average per year.
EPS Next Y59.43%
EPS Next 2Y53.99%
EPS Next 3Y41.64%
EPS Next 5YN/A
Revenue Next Year4.38%
Revenue Next 2Y10.36%
Revenue Next 3Y13.05%
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.
4. Valuation
4.1 Price/Earnings Ratio
LDI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 18.72, LDI is valued on the expensive side.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LDI indicates a slightly more expensive valuation: LDI is more expensive than 60.20% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of LDI to the average of the S&P500 Index (36.21), we can say LDI is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 18.72 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, LDI is valued a bit cheaper than 61.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 11.75 |
4.3 Compensation for Growth
The 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 41.64% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y53.99%
EPS Next 3Y41.64%
5. Dividend
5.1 Amount
LDI has a Yearly Dividend Yield of 18.93%, which is a nice return.
Compared to an average industry Dividend Yield of 4.97, LDI pays a better dividend. On top of this LDI pays more dividend than 98.98% of the companies listed in the same industry.
LDI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.
| Industry Rank | Sector 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
5.3 Sustainability
The earnings of LDI are negative and hence is the payout ratio. LDI will probably not be able to sustain this dividend level.
DP-4.89%
EPS Next 2Y53.99%
EPS Next 3Y41.64%
2.71
-0.12 (-4.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners26.47%
Inst Owner Change74.25%
Ins Owners9.41%
Ins Owner Change7.79%
Market Cap903.08M
Revenue(TTM)1.48B
Net Income(TTM)-73.40M
Analysts47.69
Price Target2.55 (-5.9%)
Short Float %19.4%
Short Ratio1.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 18.93% |
Yearly Dividend0.01
Dividend Growth(5Y)N/A
DP-4.89%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-9.94%
Min EPS beat(2)-45.6%
Max EPS beat(2)25.72%
EPS beat(4)2
Avg EPS beat(4)-2949.27%
Min EPS beat(4)-11781.2%
Max EPS beat(4)25.72%
EPS beat(8)4
Avg EPS beat(8)-1466.08%
EPS beat(12)7
Avg EPS beat(12)-976.57%
EPS beat(16)7
Avg EPS beat(16)-810.59%
Revenue beat(2)1
Avg Revenue beat(2)-3.69%
Min Revenue beat(2)-9.68%
Max Revenue beat(2)2.3%
Revenue beat(4)1
Avg Revenue beat(4)-6.66%
Min Revenue beat(4)-17.79%
Max Revenue beat(4)2.3%
Revenue beat(8)4
Avg Revenue beat(8)-0.78%
Revenue beat(12)7
Avg Revenue beat(12)4.35%
Revenue beat(16)11
Avg Revenue beat(16)7.69%
PT rev (1m)54.64%
PT rev (3m)54.64%
EPS NQ rev (1m)-199.4%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.05%
Revenue NQ rev (1m)8.99%
Revenue NQ rev (3m)9.38%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)-0.83%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 18.72 | ||
| P/S | 0.61 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 3.48 | ||
| P/tB | 3.48 | ||
| EV/EBITDA | 11.75 |
EPS(TTM)-0.38
EYN/A
EPS(NY)0.14
Fwd EY5.34%
FCF(TTM)-0.16
FCFYN/A
OCF(TTM)-0.08
OCFYN/A
SpS4.43
BVpS0.78
TBVpS0.78
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.18% | ||
| ROE | -28.3% | ||
| ROCE | 6.77% | ||
| ROIC | 2.95% | ||
| ROICexc | 3.23% | ||
| ROICexgc | 4.96% | ||
| OM | 13.38% | ||
| PM (TTM) | N/A | ||
| GM | 81.26% | ||
| FCFM | N/A |
ROA(3y)-2.49%
ROA(5y)-1.3%
ROE(3y)-43.42%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y-35.93%
ROICexgc growth 5Y-5.22%
ROICexc growth 3Y-31.63%
ROICexc growth 5Y-3.21%
OM growth 3Y-22.94%
OM growth 5Y0.38%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.88%
GM growth 5Y-0.57%
F-Score4
Asset Turnover0.24
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 15.18 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 17.98 | ||
| Cap/Depr | 115.36% | ||
| Cap/Sales | 1.67% | ||
| Interest Coverage | 0.66 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.2 | ||
| Quick Ratio | 0.2 | ||
| Altman-Z | -0.21 |
F-Score4
WACC6.74%
ROIC/WACC0.44
Cap/Depr(3y)75.13%
Cap/Depr(5y)94.55%
Cap/Sales(3y)2.05%
Cap/Sales(5y)1.62%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-65.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-150%
EPS Next Y59.43%
EPS Next 2Y53.99%
EPS Next 3Y41.64%
EPS Next 5YN/A
Revenue 1Y (TTM)6.06%
Revenue growth 3Y-31.48%
Revenue growth 5Y-2.31%
Sales Q2Q%2.77%
Revenue Next Year4.38%
Revenue Next 2Y10.36%
Revenue Next 3Y13.05%
Revenue Next 5YN/A
EBIT growth 1Y0.79%
EBIT growth 3Y-47.19%
EBIT growth 5Y-1.93%
EBIT Next Year247.84%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-196.13%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-136.74%
OCF growth 3YN/A
OCF growth 5YN/A
LOANDEPOT INC -CLASS A / LDI FAQ
Can you provide the ChartMill fundamental rating for LOANDEPOT INC -CLASS A?
ChartMill assigns a fundamental rating of 2 / 10 to LDI.
What is the valuation status of LOANDEPOT INC -CLASS A (LDI) stock?
ChartMill assigns a valuation rating of 3 / 10 to LOANDEPOT INC -CLASS A (LDI). This can be considered as Overvalued.
Can you provide the profitability details for LOANDEPOT INC -CLASS A?
LOANDEPOT INC -CLASS A (LDI) has a profitability rating of 2 / 10.
Can you provide the expected EPS growth for LDI stock?
The Earnings per Share (EPS) of LOANDEPOT INC -CLASS A (LDI) is expected to grow by 59.43% in the next year.
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 -4.89%.