LOANDEPOT INC -CLASS A (LDI) Stock Fundamental Analysis
NYSE:LDI - New York Stock Exchange, Inc. - US53946R1068 - Common Stock - Currency: USD
LDI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 100 industry peers in the Financial Services industry. LDI has a bad profitability rating. Also its financial health evaluation is rather negative. LDI has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
LDI had negative earnings in the past year.
LDI had a negative operating cash flow in the past year.
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
The Return On Assets of LDI (-1.34%) is worse than 83.00% of its industry peers.
LDI has a worse Return On Equity (-32.87%) than 89.00% of its industry peers.
With a Return On Invested Capital value of 2.91%, LDI perfoms like the industry average, outperforming 49.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.34% | ||
| ROE | -32.87% | ||
| ROIC | 2.91% |
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's Operating Margin of 13.64% is in line compared to the rest of the industry. LDI outperforms 49.00% of its industry peers.
LDI's Operating Margin has been stable in the last couple of years.
With an excellent Gross Margin value of 81.28%, LDI belongs to the best of the industry, outperforming 88.00% 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 | 13.64% | ||
| PM (TTM) | N/A | ||
| GM | 81.28% |
OM growth 3Y-22%
OM growth 5Y1.11%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.84%
GM growth 5Y-0.54%
2. Health
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
The number of shares outstanding for LDI has been increased compared to 5 years ago.
The debt/assets ratio for LDI is higher compared to a year ago.
2.2 Solvency
LDI has an Altman-Z score of -0.28. 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 -0.28. This is in the lower half of the industry: LDI underperforms 71.00% of its industry peers.
A Debt/Equity ratio of 15.04 is on the high side and indicates that LDI has dependencies on debt financing.
LDI has a worse Debt to Equity ratio (15.04) than 89.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 15.04 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.28 |
ROIC/WACC0.43
WACC6.76%
2.3 Liquidity
A Current Ratio of 0.17 indicates that LDI may have some problems paying its short term obligations.
LDI's Current ratio of 0.17 is on the low side compared to the rest of the industry. LDI is outperformed by 73.00% of its industry peers.
A Quick Ratio of 0.17 indicates that LDI may have some problems paying its short term obligations.
With a Quick ratio value of 0.17, LDI is not doing good in the industry: 73.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.17 | ||
| Quick Ratio | 0.17 |
3. Growth
3.1 Past
LDI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.26%, which is quite good.
Looking at the last year, LDI shows a quite strong growth in Revenue. The Revenue has grown by 12.83% in the last year.
LDI shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.20% yearly.
EPS 1Y (TTM)10.26%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%33.33%
Revenue 1Y (TTM)12.83%
Revenue growth 3Y-31.36%
Revenue growth 5Y-2.2%
Sales Q2Q%18.52%
3.2 Future
The Earnings Per Share is expected to grow by 41.21% on average over the next years. This is a very strong growth
LDI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.23% yearly.
EPS Next Y74.96%
EPS Next 2Y54.69%
EPS Next 3Y41.21%
EPS Next 5YN/A
Revenue Next Year10.77%
Revenue Next 2Y12.91%
Revenue Next 3Y13.23%
Revenue Next 5YN/A
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for LDI. In the last year negative earnings were reported.
The Price/Forward Earnings ratio is 12.24, which indicates a correct valuation of LDI.
The rest of the industry has a similar Price/Forward Earnings ratio as LDI.
When comparing the Price/Forward Earnings ratio of LDI to the average of the S&P500 Index (36.52), we can say LDI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 12.24 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, LDI is valued a bit cheaper than 74.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 8.81 |
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 41.21% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y54.69%
EPS Next 3Y41.21%
5. Dividend
5.1 Amount
LDI has a Yearly Dividend Yield of 18.93%, which is a nice return.
LDI's Dividend Yield is rather good when compared to the industry average which is at 4.86. LDI pays more dividend than 99.00% of the companies in the same industry.
LDI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 18.93% |
5.2 History
LDI is new to the dividend game and has less than 3 years of track record.
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-5.14%
EPS Next 2Y54.69%
EPS Next 3Y41.21%
NYSE:LDI (7/18/2025, 3:52:55 PM)
1.875
+0.24 (+14.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners25.07%
Inst Owner Change0%
Ins Owners14.93%
Ins Owner Change12.69%
Market Cap618.58M
Analysts50.77
Price Target1.79 (-4.53%)
Short Float %5.07%
Short Ratio4.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 18.93% |
Yearly Dividend0.01
Dividend Growth(5Y)N/A
DP-5.14%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-5888.6%
Min EPS beat(2)-11781.2%
Max EPS beat(2)3.99%
EPS beat(4)3
Avg EPS beat(4)-2896.52%
Min EPS beat(4)-11781.2%
Max EPS beat(4)147.15%
EPS beat(8)5
Avg EPS beat(8)-1461.26%
EPS beat(12)6
Avg EPS beat(12)-988.85%
EPS beat(16)7
Avg EPS beat(16)-812.37%
Revenue beat(2)0
Avg Revenue beat(2)-9.63%
Min Revenue beat(2)-17.79%
Max Revenue beat(2)-1.48%
Revenue beat(4)2
Avg Revenue beat(4)-0.69%
Min Revenue beat(4)-17.79%
Max Revenue beat(4)12.86%
Revenue beat(8)4
Avg Revenue beat(8)0.6%
Revenue beat(12)8
Avg Revenue beat(12)8.79%
Revenue beat(16)12
Avg Revenue beat(16)9.83%
PT rev (1m)0%
PT rev (3m)-4.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-94.42%
EPS NY rev (1m)1.36%
EPS NY rev (3m)-85.9%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)-4.35%
Revenue NY rev (1m)-0.32%
Revenue NY rev (3m)-3.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 12.24 | ||
| P/S | 0.42 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.36 | ||
| P/tB | 2.36 | ||
| EV/EBITDA | 8.81 |
EPS(TTM)-0.35
EYN/A
EPS(NY)0.15
Fwd EY8.17%
FCF(TTM)-2.41
FCFYN/A
OCF(TTM)-2.32
OCFYN/A
SpS4.44
BVpS0.79
TBVpS0.79
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.34% | ||
| ROE | -32.87% | ||
| ROCE | 6.78% | ||
| ROIC | 2.91% | ||
| ROICexc | 3.12% | ||
| ROICexgc | 4.65% | ||
| OM | 13.64% | ||
| PM (TTM) | N/A | ||
| GM | 81.28% | ||
| 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
ROICexcg growth 3Y-35.04%
ROICexcg growth 5Y-4.43%
ROICexc growth 3Y-30.68%
ROICexc growth 5Y-2.4%
OM growth 3Y-22%
OM growth 5Y1.11%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.84%
GM growth 5Y-0.54%
F-Score3
Asset Turnover0.23
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 15.04 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 15.85 | ||
| Cap/Depr | 59.03% | ||
| Cap/Sales | 1.94% | ||
| Interest Coverage | 0.66 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.17 | ||
| Quick Ratio | 0.17 | ||
| Altman-Z | -0.28 |
F-Score3
WACC6.76%
ROIC/WACC0.43
Cap/Depr(3y)65.19%
Cap/Depr(5y)88.58%
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)10.26%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%33.33%
EPS Next Y74.96%
EPS Next 2Y54.69%
EPS Next 3Y41.21%
EPS Next 5YN/A
Revenue 1Y (TTM)12.83%
Revenue growth 3Y-31.36%
Revenue growth 5Y-2.2%
Sales Q2Q%18.52%
Revenue Next Year10.77%
Revenue Next 2Y12.91%
Revenue Next 3Y13.23%
Revenue Next 5YN/A
EBIT growth 1Y80.15%
EBIT growth 3Y-46.46%
EBIT growth 5Y-1.12%
EBIT Next Year384.06%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-122.83%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-121.8%
OCF growth 3YN/A
OCF growth 5YN/A