LOANDEPOT INC -CLASS A (LDI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:LDI - US53946R1068 - Common Stock
2.91 USD
+0.47 (+19.26%)
2.92 USD
+0.01 (+0.34%)
Overall LDI gets a fundamental rating of 2 out of 10. We evaluated LDI against 98 industry peers in the Financial Services industry. Both the profitability and financial health of LDI have multiple concerns. LDI is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year LDI has reported negative net income.
In the past year LDI has reported a negative cash flow from operations.
LDI had negative earnings in 4 of the past 5 years.
In the past 5 years LDI reported 4 times negative operating cash flow.
1.2 Ratios
With a Return On Assets value of -1.18%, LDI is not doing good in the industry: 77.55% of the companies in the same industry are doing better.
The Return On Equity of LDI (-28.30%) is worse than 83.67% 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 51.02% 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's Operating Margin of 13.38% is in line compared to the rest of the industry. LDI outperforms 53.06% of its industry peers.
LDI's Operating Margin has been stable in the last couple of years.
Looking at the Gross Margin, with a value of 81.26%, LDI belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
In the last couple of years the Gross Margin of LDI has remained more or less at the same level.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), LDI is destroying value.
The number of shares outstanding for LDI has been increased compared to 1 year ago.
The number of shares outstanding for LDI has been increased compared to 5 years ago.
Compared to 1 year ago, LDI has a worse debt to assets ratio.
2.2 Solvency
LDI has an Altman-Z score of -0.22. This is a bad value and indicates that LDI is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.22, LDI is doing worse than 66.33% of the companies in the same industry.
LDI has a Debt/Equity ratio of 15.18. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of LDI (15.18) is worse than 87.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 15.18 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.22 |
ROIC/WACC0.39
WACC7.46%
2.3 Liquidity
A Current Ratio of 0.20 indicates that LDI may have some problems paying its short term obligations.
The Current ratio of LDI (0.20) is worse than 68.37% of its industry peers.
LDI has a Quick 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.
With a Quick ratio value of 0.20, LDI is not doing good in the industry: 68.37% of the companies in the same industry are doing better.
| 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%.
The Revenue has been growing slightly by 6.06% in the past year.
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 39.53% on average per year.
The Revenue is expected to grow by 11.24% on average over the next years. This is quite good.
EPS Next Y55.97%
EPS Next 2Y54.38%
EPS Next 3Y39.53%
EPS Next 5YN/A
Revenue Next Year7.88%
Revenue Next 2Y12.84%
Revenue Next 3Y11.24%
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
LDI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
LDI is valuated rather expensively with a Price/Forward Earnings ratio of 19.47.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LDI is on the same level as its industry peers.
LDI is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.88, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 19.47 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, LDI is valued a bit cheaper than the industry average as 62.24% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 11.16 |
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 39.53% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y54.38%
EPS Next 3Y39.53%
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 2.35. LDI pays more dividend than 98.98% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 1.94, LDI pays a better dividend.
| 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-4.89%
EPS Next 2Y54.38%
EPS Next 3Y39.53%
2.91
+0.47 (+19.26%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners41%
Inst Owner Change0%
Ins Owners8.2%
Ins Owner Change4.32%
Market Cap969.73M
Revenue(TTM)1.48B
Net Income(TTM)-73.40M
Analysts46.67
Price Target2.63 (-9.62%)
Short Float %13.38%
Short Ratio3
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)3.33%
PT rev (3m)59.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)14.31%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)11.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 19.47 | ||
| P/S | 0.66 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 3.74 | ||
| P/tB | 3.74 | ||
| EV/EBITDA | 11.16 |
EPS(TTM)-0.38
EYN/A
EPS(NY)0.15
Fwd EY5.14%
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 | -0.22 |
F-Score4
WACC7.46%
ROIC/WACC0.39
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 Y55.97%
EPS Next 2Y54.38%
EPS Next 3Y39.53%
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 Year7.88%
Revenue Next 2Y12.84%
Revenue Next 3Y11.24%
Revenue Next 5YN/A
EBIT growth 1Y0.79%
EBIT growth 3Y-47.19%
EBIT growth 5Y-1.93%
EBIT Next Year283.87%
EBIT Next 3Y79.86%
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.
Can you provide the valuation status for LOANDEPOT INC -CLASS A?
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.
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%.