LOANDEPOT INC -CLASS A (LDI) Stock Fundamental Analysis
USA - NYSE:LDI - US53946R1068 - Common Stock
3.115 USD
-0.3 (-8.92%)
Taking everything into account, LDI scores 2 out of 10 in our fundamental rating. LDI was compared to 99 industry peers in the Financial Services industry. Both the profitability and financial health of LDI have multiple concerns. While showing a medium growth rate, LDI is valued expensive at the moment.
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.
LDI had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
LDI's Return On Assets of -1.08% is on the low side compared to the rest of the industry. LDI is outperformed by 79.80% of its industry peers.
Looking at the Return On Equity, with a value of -24.67%, LDI is doing worse than 85.86% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 2.98%, LDI is in line with its industry, outperforming 54.55% of the companies in the same 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 of 13.76%. This is comparable to the rest of the industry: LDI outperforms 52.53% of its industry peers.
LDI's Operating Margin has been stable in the last couple of years.
LDI has a Gross Margin of 81.32%. This is amongst the best in the industry. LDI outperforms 86.87% of its industry peers.
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.
The number of shares outstanding for LDI has been increased compared to 1 year ago.
Compared to 5 years ago, LDI has more shares outstanding
The debt/assets ratio for LDI is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of -0.17, we must say that LDI is in the distress zone and has some risk of bankruptcy.
LDI's Altman-Z score of -0.17 is on the low side compared to the rest of the industry. LDI is outperformed by 66.67% of its industry peers.
LDI has a Debt/Equity ratio of 14.92. This is a high value indicating a heavy dependency on external financing.
LDI has a worse Debt to Equity ratio (14.92) than 89.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 14.92 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.17 |
ROIC/WACC0.45
WACC6.64%
2.3 Liquidity
A Current Ratio of 0.19 indicates that LDI may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.19, LDI is doing worse than 71.72% of the companies in the same industry.
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 has a worse Quick ratio (0.19) than 71.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.19 | ||
| Quick Ratio | 0.19 |
3. Growth
3.1 Past
The earnings per share for LDI have decreased by -6.06% in the last year.
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 41.64% on average per year.
LDI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.78% yearly.
EPS Next Y59.43%
EPS Next 2Y53.99%
EPS Next 3Y41.64%
EPS Next 5YN/A
Revenue Next Year4.29%
Revenue Next 2Y10.6%
Revenue Next 3Y13.78%
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.
A Price/Forward Earnings ratio of 21.52 indicates a rather expensive valuation of LDI.
68.69% of the companies in the same industry are cheaper than LDI, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.87, LDI is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 21.52 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of LDI indicates a somewhat cheap valuation: LDI is cheaper than 63.64% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 12.08 |
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 41.64% 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 5.10, LDI pays a better dividend. On top of this LDI pays more dividend than 98.99% 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 2.31.
| 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
LDI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-7.52%
EPS Next 2Y53.99%
EPS Next 3Y41.64%
NYSE:LDI (10/29/2025, 3:05:09 PM)
3.115
-0.3 (-8.92%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners26.47%
Inst Owner Change-0.19%
Ins Owners9.41%
Ins Owner Change11.49%
Market Cap1.03B
Revenue(TTM)1.48B
Net Income(TTM)-67149000
Analysts47.69
Price Target1.65 (-47.03%)
Short Float %18.48%
Short Ratio1.54
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)0%
PT rev (3m)-6.95%
EPS NQ rev (1m)28.62%
EPS NQ rev (3m)-266.6%
EPS NY rev (1m)6.93%
EPS NY rev (3m)-62.07%
Revenue NQ rev (1m)0.89%
Revenue NQ rev (3m)-4.86%
Revenue NY rev (1m)0.85%
Revenue NY rev (3m)-5.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 21.52 | ||
| P/S | 0.7 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 3.79 | ||
| P/tB | 3.79 | ||
| EV/EBITDA | 12.08 |
EPS(TTM)-0.35
EYN/A
EPS(NY)0.14
Fwd EY4.65%
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
Graham NumberN/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
ROICexgc growth 3Y-35.04%
ROICexgc 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 | 17.61 | ||
| Cap/Depr | 101.93% | ||
| 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 | -0.17 |
F-Score4
WACC6.64%
ROIC/WACC0.45
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)-6.06%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%0%
EPS Next Y59.43%
EPS Next 2Y53.99%
EPS Next 3Y41.64%
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 Year4.29%
Revenue Next 2Y10.6%
Revenue Next 3Y13.78%
Revenue Next 5YN/A
EBIT growth 1Y37.45%
EBIT growth 3Y-46.46%
EBIT growth 5Y-1.12%
EBIT Next Year247.84%
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
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 -7.52%.