LOANDEPOT INC -CLASS A (LDI) Stock Fundamental Analysis
NYSE:LDI - US53946R1068 - Common Stock
2.14 USD
+0.1 (+4.9%)
2.11 USD
-0.03 (-1.4%)
Overall LDI gets a fundamental rating of 2 out of 10. We evaluated LDI against 101 industry peers in the Financial Services industry. LDI has a bad profitability rating. Also its financial health evaluation is rather negative. LDI is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year LDI has reported negative net income.
LDI had a negative operating cash flow in the past year.
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
The Return On Assets of LDI (-1.08%) is worse than 81.37% of its industry peers.
The Return On Equity of LDI (-24.67%) is worse than 87.25% of its industry peers.
LDI has a Return On Invested Capital (2.98%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.08% | ||
| ROE | -24.67% | ||
| ROIC | 2.98% |
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 (13.76%) which is in line with its industry peers.
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 81.32%, LDI belongs to the best of the industry, outperforming 87.25% 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 | 13.76% | ||
| PM (TTM) | N/A | ||
| GM | 81.32% |
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), LDI is destroying value.
LDI has more shares outstanding than it did 1 year ago.
LDI has more shares outstanding than it did 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 -0.21. 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 -0.21, LDI is doing worse than 69.61% of the companies in the same industry.
A Debt/Equity ratio of 14.92 is on the high side and indicates that LDI has dependencies on debt financing.
LDI's Debt to Equity ratio of 14.92 is on the low side compared to the rest of the industry. LDI is outperformed by 90.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 14.92 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.21 |
ROIC/WACC0.42
WACC7.04%
2.3 Liquidity
A Current Ratio of 0.19 indicates that LDI may have some problems paying its short term obligations.
LDI's Current ratio of 0.19 is on the low side compared to the rest of the industry. LDI is outperformed by 70.59% of its industry peers.
LDI has a Quick Ratio of 0.19. 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's Quick ratio of 0.19 is on the low side compared to the rest of the industry. LDI is outperformed by 70.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.19 | ||
| Quick Ratio | 0.19 |
3. Growth
3.1 Past
LDI shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.06%.
The Revenue has grown by 12.43% in the past year. This is quite good.
The Revenue has been decreasing by -2.20% on average over the past years.
EPS 1Y (TTM)-6.06%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)12.43%
Revenue growth 3Y-31.36%
Revenue growth 5Y-2.2%
Sales Q2Q%1.63%
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 40.99% on average per year.
The Revenue is expected to grow by 13.35% on average over the next years. This is quite good.
EPS Next Y62.45%
EPS Next 2Y53.71%
EPS Next 3Y40.99%
EPS Next 5YN/A
Revenue Next Year5.25%
Revenue Next 2Y10.36%
Revenue Next 3Y13.35%
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
The Price/Earnings Ratio is negative for LDI. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 15.13, LDI is valued correctly.
LDI's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of LDI to the average of the S&P500 Index (22.72), we can say LDI is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 15.13 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, LDI is valued a bit cheaper than the industry average as 74.51% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.55 |
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.
LDI's earnings are expected to grow with 40.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y53.71%
EPS Next 3Y40.99%
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 4.26. LDI pays more dividend than 100.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.35, LDI pays a better dividend.
| 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-7.52%
EPS Next 2Y53.71%
EPS Next 3Y40.99%
2.14
+0.1 (+4.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners24.1%
Inst Owner Change7.58%
Ins Owners16.87%
Ins Owner Change11.56%
Market Cap708.19M
Analysts46.67
Price Target1.65 (-22.9%)
Short Float %7.97%
Short Ratio3.8
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 18.93% |
Yearly Dividend0.01
Dividend Growth(5Y)N/A
DP-7.52%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-20.81%
Min EPS beat(2)-45.6%
Max EPS beat(2)3.99%
EPS beat(4)2
Avg EPS beat(4)-2918.91%
Min EPS beat(4)-11781.2%
Max EPS beat(4)147.15%
EPS beat(8)4
Avg EPS beat(8)-1469.17%
EPS beat(12)6
Avg EPS beat(12)-981.43%
EPS beat(16)7
Avg EPS beat(16)-811.1%
Revenue beat(2)0
Avg Revenue beat(2)-5.58%
Min Revenue beat(2)-9.68%
Max Revenue beat(2)-1.48%
Revenue beat(4)1
Avg Revenue beat(4)-4.02%
Min Revenue beat(4)-17.79%
Max Revenue beat(4)12.86%
Revenue beat(8)3
Avg Revenue beat(8)-1.34%
Revenue beat(12)7
Avg Revenue beat(12)7.85%
Revenue beat(16)11
Avg Revenue beat(16)9.15%
PT rev (1m)-6.95%
PT rev (3m)-10.8%
EPS NQ rev (1m)-200%
EPS NQ rev (3m)-108.62%
EPS NY rev (1m)-49.99%
EPS NY rev (3m)-47.96%
Revenue NQ rev (1m)-3.41%
Revenue NQ rev (3m)-12.65%
Revenue NY rev (1m)-3.92%
Revenue NY rev (3m)-5.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 15.13 | ||
| P/S | 0.48 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 2.6 | ||
| P/tB | 2.6 | ||
| EV/EBITDA | 9.55 |
EPS(TTM)-0.35
EYN/A
EPS(NY)0.14
Fwd EY6.61%
FCF(TTM)-1.35
FCFYN/A
OCF(TTM)-1.27
OCFYN/A
SpS4.48
BVpS0.82
TBVpS0.82
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.08% | ||
| ROE | -24.67% | ||
| ROCE | 6.82% | ||
| ROIC | 2.98% | ||
| ROICexc | 3.23% | ||
| ROICexgc | 4.9% | ||
| OM | 13.76% | ||
| PM (TTM) | N/A | ||
| GM | 81.32% | ||
| 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 Turnover0.24
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 14.92 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 16.43 | ||
| Cap/Depr | 62.95% | ||
| Cap/Sales | 1.84% | ||
| Interest Coverage | 0.68 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.19 | ||
| Quick Ratio | 0.19 | ||
| Altman-Z | -0.21 |
F-Score4
WACC7.04%
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)-6.06%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
EPS Next Y62.45%
EPS Next 2Y53.71%
EPS Next 3Y40.99%
EPS Next 5YN/A
Revenue 1Y (TTM)12.43%
Revenue growth 3Y-31.36%
Revenue growth 5Y-2.2%
Sales Q2Q%1.63%
Revenue Next Year5.25%
Revenue Next 2Y10.36%
Revenue Next 3Y13.35%
Revenue Next 5YN/A
EBIT growth 1Y37.45%
EBIT growth 3Y-46.46%
EBIT growth 5Y-1.12%
EBIT Next Year350.76%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-127.46%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-125.39%
OCF growth 3YN/A
OCF growth 5YN/A