LOANDEPOT INC -CLASS A(NYSE:LDI) stock Fundamental Analysis

Fundamental Rating

LDI gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. Both the profitability and financial health of LDI have multiple concerns. LDI is quite expensive at the moment. It does show a decent growth rate.

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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.

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

LDI has a worse Return On Assets (-1.55%) than 81.19% of its industry peers.

LDI has a Return On Equity of -36.03%. This is amonst the worse of the industry: LDI underperforms 89.11% of its industry peers.

The Return On Invested Capital of LDI (2.71%) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	-1.55%
ROE	-36.03%
ROIC	2.71%

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 (12.77%) which is comparable to the rest of the industry.

LDI's Operating Margin has been stable in the last couple of years.

Looking at the Gross Margin, with a value of 81.04%, LDI belongs to the top of the industry, outperforming 88.12% 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	12.77%
PM (TTM)	N/A
GM	81.04%

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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

LDI has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, LDI has more shares outstanding

Compared to 1 year ago, LDI has a worse debt to assets ratio.

2.2 Solvency

LDI has an Altman-Z score of -0.34. This is a bad value and indicates that LDI is not financially healthy and even has some risk of bankruptcy.

The Altman-Z score of LDI (-0.34) is worse than 68.32% of its industry peers.

LDI has a Debt/Equity ratio of 13.78. This is a high value indicating a heavy dependency on external financing.

LDI has a worse Debt to Equity ratio (13.78) than 90.10% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	13.78
Debt/FCF	N/A
Altman-Z	-0.34

ROIC/WACC0.42

WACC6.42%

2.3 Liquidity

LDI has a Current Ratio of 0.12. 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 worse Current ratio (0.12) than 75.25% of its industry peers.

A Quick Ratio of 0.12 indicates that LDI may have some problems paying its short term obligations.

The Quick ratio of LDI (0.12) is worse than 75.25% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.12
Quick Ratio	0.12

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

LDI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.33%, which is quite good.

Looking at the last year, LDI shows a quite strong growth in Revenue. The Revenue has grown by 10.07% in the last year.

Measured over the past years, LDI shows a decrease in Revenue. The Revenue has been decreasing by -2.20% on average per year.

EPS 1Y (TTM)13.33%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-200%

Revenue 1Y (TTM)10.07%

Revenue growth 3Y-31.36%

Revenue growth 5Y-2.2%

Sales Q2Q%2.39%

3.2 Future

The Earnings Per Share is expected to grow by 38.34% on average over the next years. This is a very strong growth

Based on estimates for the next years, LDI will show a quite strong growth in Revenue. The Revenue will grow by 11.59% on average per year.

EPS Next Y86.53%

EPS Next 2Y57.86%

EPS Next 3Y38.34%

EPS Next 5YN/A

Revenue Next Year14.62%

Revenue Next 2Y15.48%

Revenue Next 3Y11.59%

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.

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4. Valuation

4.1 Price/Earnings Ratio

LDI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

Also next year LDI is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, LDI is valued a bit cheaper than 71.29% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	8.67

4.3 Compensation for Growth

LDI's earnings are expected to grow with 38.34% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y57.86%

EPS Next 3Y38.34%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 18.93%, LDI is a good candidate for dividend investing.

In the last 3 months the price of LDI has falen by -31.95%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.

Compared to an average industry Dividend Yield of 4.93, LDI pays a better dividend. On top of this LDI pays more dividend than 99.01% 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 2.44.

		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-3.32%

EPS Next 2Y57.86%

EPS Next 3Y38.34%

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LOANDEPOT INC -CLASS A

NYSE:LDI (5/2/2025, 8:06:32 PM)

After market: 1.1203 -0.03 (-2.58%)

1.15

+0.01 (+0.88%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)03-11 2025-03-11/amc

Earnings (Next)05-05 2025-05-05/amc

Inst Owners32.55%

Inst Owner Change0.06%

Ins Owners12.67%

Ins Owner Change13.09%

Market Cap377.52M

Analysts50

Price Target1.85 (60.87%)

Short Float %2.51%

Short Ratio1.69

Dividend

		Industry Rank	Sector Rank
Dividend Yield	18.93%

Yearly Dividend0.01

Dividend Growth(5Y)N/A

DP-3.32%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-5817.02%

Min EPS beat(2)-11781.2%

Max EPS beat(2)147.15%

EPS beat(4)2

Avg EPS beat(4)-2925.56%

Min EPS beat(4)-11781.2%

Max EPS beat(4)147.15%

EPS beat(8)5

Avg EPS beat(8)-1459.03%

EPS beat(12)5

Avg EPS beat(12)-1075.7%

EPS beat(16)7

Avg EPS beat(16)-808.13%

Revenue beat(2)1

Avg Revenue beat(2)-2.47%

Min Revenue beat(2)-17.79%

Max Revenue beat(2)12.86%

Revenue beat(4)2

Avg Revenue beat(4)-0.64%

Min Revenue beat(4)-17.79%

Max Revenue beat(4)12.86%

Revenue beat(8)5

Avg Revenue beat(8)4.08%

Revenue beat(12)9

Avg Revenue beat(12)9.2%

Revenue beat(16)13

Avg Revenue beat(16)11.64%

PT rev (1m)-22.04%

PT rev (3m)-33.79%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-375%

EPS NY rev (1m)0%

EPS NY rev (3m)-126.8%

Revenue NQ rev (1m)-0.05%

Revenue NQ rev (3m)-12.72%

Revenue NY rev (1m)-5.76%

Revenue NY rev (3m)-6.9%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	0.27
P/FCF	N/A
P/OCF	N/A
P/B	1.38
P/tB	1.38
EV/EBITDA	8.67

EPS(TTM)-0.39

EYN/A

EPS(NY)-0.05

Fwd EYN/A

FCF(TTM)-2.72

FCFYN/A

OCF(TTM)-2.64

OCFYN/A

SpS4.32

BVpS0.83

TBVpS0.83

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-1.55%
ROE	-36.03%
ROCE	6.22%
ROIC	2.71%
ROICexc	2.94%
ROICexgc	3.12%
OM	12.77%
PM (TTM)	N/A
GM	81.04%
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-Score4

Asset Turnover0.22

Health

		Industry Rank	Sector Rank
Debt/Equity	13.78
Debt/FCF	N/A
Debt/EBITDA	16.47
Cap/Depr	56%
Cap/Sales	1.86%
Interest Coverage	0.59
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	0.12
Quick Ratio	0.12
Altman-Z	-0.34

F-Score4

WACC6.42%

ROIC/WACC0.42

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)13.33%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-200%

EPS Next Y86.53%

EPS Next 2Y57.86%

EPS Next 3Y38.34%

EPS Next 5YN/A

Revenue 1Y (TTM)10.07%

Revenue growth 3Y-31.36%

Revenue growth 5Y-2.2%

Sales Q2Q%2.39%

Revenue Next Year14.62%

Revenue Next 2Y15.48%

Revenue Next 3Y11.59%

Revenue Next 5YN/A

EBIT growth 1Y125.95%

EBIT growth 3Y-46.46%

EBIT growth 5Y-1.12%

EBIT Next Year407.3%

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-357.74%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-396.75%

OCF growth 3YN/A

OCF growth 5YN/A

LOANDEPOT INC -CLASS A (LDI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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