LOANDEPOT INC -CLASS A (LDI) Fundamental Analysis & Valuation

NYSE:LDI • US53946R1068

1.77 USD
-0.02 (-1.12%)
At close: Mar 6, 2026
1.7022 USD
-0.07 (-3.83%)
Pre-Market: 3/9/2026, 8:08:19 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This LDI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

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 has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

2

1. LDI Profitability Analysis

1.1 Basic Checks

  • LDI had negative earnings in the past year.
  • 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.
LDI Yearly Net Income VS EBIT VS OCF VS FCFLDI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B

1.2 Ratios

  • The Return On Assets of LDI (-1.18%) is worse than 79.59% of its industry peers.
  • Looking at the Return On Equity, with a value of -28.30%, LDI is doing worse than 82.65% of the companies in the same industry.
  • 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 RankSector 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
LDI Yearly ROA, ROE, ROICLDI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40 -60

1.3 Margins

  • Looking at the Operating Margin, with a value of 13.38%, LDI is in line with its industry, outperforming 55.10% of the companies in the same industry.
  • LDI's Operating Margin has been stable in the last couple of years.
  • LDI has a better Gross Margin (81.26%) than 86.73% 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 RankSector 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%
LDI Yearly Profit, Operating, Gross MarginsLDI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

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0

2. LDI Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), LDI 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.
LDI Yearly Shares OutstandingLDI Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
LDI Yearly Total Debt VS Total AssetsLDI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

2.2 Solvency

  • LDI has an Altman-Z score of -0.24. This is a bad value and indicates that LDI is not financially healthy and even has some risk of bankruptcy.
  • LDI has a worse Altman-Z score (-0.24) than 69.39% of its industry peers.
  • LDI has a Debt/Equity ratio of 15.18. This is a high value indicating a heavy dependency on external financing.
  • LDI's Debt to Equity ratio of 15.18 is on the low side compared to the rest of the industry. LDI is outperformed by 86.73% of its industry peers.
Industry RankSector Rank
Debt/Equity 15.18
Debt/FCF N/A
Altman-Z -0.24
ROIC/WACC0.43
WACC6.82%
LDI Yearly LT Debt VS Equity VS FCFLDI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B 6B 8B

2.3 Liquidity

  • LDI has a Current 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.
  • The Current ratio of LDI (0.20) is worse than 69.39% of its industry peers.
  • A Quick Ratio of 0.20 indicates that LDI may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.20, LDI is doing worse than 68.37% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.2
Quick Ratio 0.2
LDI Yearly Current Assets VS Current LiabilitesLDI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. LDI Growth Analysis

3.1 Past

  • LDI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -65.22%.
  • LDI shows a small growth in Revenue. In the last year, the Revenue has grown by 6.06%.
  • Measured over the past years, LDI shows a decrease in Revenue. The Revenue has been decreasing by -2.31% on average per year.
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

  • LDI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 39.57% yearly.
  • Based on estimates for the next years, LDI will show a quite strong growth in Revenue. The Revenue will grow by 13.62% on average per year.
EPS Next Y52.74%
EPS Next 2Y55.38%
EPS Next 3Y39.57%
EPS Next 5YN/A
Revenue Next Year7.44%
Revenue Next 2Y14.57%
Revenue Next 3Y13.62%
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.
LDI Yearly Revenue VS EstimatesLDI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B
LDI Yearly EPS VS EstimatesLDI Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 1 -1

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4

4. LDI Valuation Analysis

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 10.95, the valuation of LDI can be described as very reasonable.
  • LDI's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.60, LDI is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 10.95
LDI Price Earnings VS Forward Price EarningsLDI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

  • LDI's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. LDI is cheaper than 66.33% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 10.15
LDI Per share dataLDI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3 4

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 39.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y55.38%
EPS Next 3Y39.57%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. LDI Dividend Analysis

5.1 Amount

  • LDI has a Yearly Dividend Yield of 18.93%, which is a nice return.
  • In the last 3 months the price of LDI has falen by -35.16%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • LDI's Dividend Yield is rather good when compared to the industry average which is at 2.34. LDI pays more dividend than 100.00% of the companies in the same industry.
  • LDI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector 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
LDI Yearly Dividends per shareLDI Yearly Dividends per shareYearly Dividends per share 2021 2022 0.2 0.4 0.6 0.8

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 2Y55.38%
EPS Next 3Y39.57%
LDI Yearly Income VS Free CF VS DividendLDI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B -2B 4B

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LDI Fundamentals: All Metrics, Ratios and Statistics

LOANDEPOT INC -CLASS A

NYSE:LDI (3/6/2026, 8:04:00 PM)

Premarket: 1.7022 -0.07 (-3.83%)

1.77

-0.02 (-1.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-06
Earnings (Next)03-10
Inst Owners24.07%
Inst Owner Change6.47%
Ins Owners4.53%
Ins Owner Change5.34%
Market Cap592.56M
Revenue(TTM)1.48B
Net Income(TTM)-73.40M
Analysts47.69
Price Target2.43 (37.29%)
Short Float %11.45%
Short Ratio3.13
Dividend
Industry RankSector 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)0%
PT rev (3m)-7.74%
EPS NQ rev (1m)-33.33%
EPS NQ rev (3m)-300%
EPS NY rev (1m)-2.82%
EPS NY rev (3m)-7.35%
Revenue NQ rev (1m)-10.6%
Revenue NQ rev (3m)-1.13%
Revenue NY rev (1m)-3.23%
Revenue NY rev (3m)-0.41%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 10.95
P/S 0.4
P/FCF N/A
P/OCF N/A
P/B 2.28
P/tB 2.28
EV/EBITDA 10.15
EPS(TTM)-0.38
EYN/A
EPS(NY)0.16
Fwd EY9.13%
FCF(TTM)-0.16
FCFYN/A
OCF(TTM)-0.08
OCFYN/A
SpS4.41
BVpS0.77
TBVpS0.77
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector 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 RankSector 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 -0.24
F-Score4
WACC6.82%
ROIC/WACC0.43
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 Y52.74%
EPS Next 2Y55.38%
EPS Next 3Y39.57%
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 Year7.44%
Revenue Next 2Y14.57%
Revenue Next 3Y13.62%
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 4 / 10 to LOANDEPOT INC -CLASS A (LDI). This can be considered as Fairly Valued.


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%.