LOANDEPOT INC -CLASS A (LDI) Stock Fundamental Analysis
USA - NYSE:LDI - US53946R1068 - Common Stock
3.3299 USD
+0.04 (+1.21%)
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 quite expensive at the moment. 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
LDI's Return On Assets of -1.08% is on the low side compared to the rest of the industry. LDI is outperformed by 81.19% of its industry peers.
LDI has a worse Return On Equity (-24.67%) than 87.13% of its industry peers.
LDI has a Return On Invested Capital (2.98%) which is in line with its industry peers.
| 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 51.49% of its industry peers.
In the last couple of years the Operating Margin of LDI has remained more or less at the same level.
LDI has a better Gross Margin (81.32%) than 87.13% of its industry peers.
LDI's Gross Margin has been stable in the last couple of years.
| 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
LDI has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, LDI has more shares outstanding
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 -0.18, we must say that LDI is in the distress zone and has some risk of bankruptcy.
LDI has a Altman-Z score of -0.18. This is in the lower half of the industry: LDI underperforms 67.33% of its industry peers.
A Debt/Equity ratio of 14.92 is on the high side and indicates that LDI has dependencies on debt financing.
The Debt to Equity ratio of LDI (14.92) is worse than 90.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 14.92 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.18 |
ROIC/WACC0.39
WACC7.64%
2.3 Liquidity
LDI has a Current 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.
With a Current ratio value of 0.19, LDI is not doing good in the industry: 70.30% of the companies in the same industry are doing better.
A Quick Ratio of 0.19 indicates that LDI may have some problems paying its short term obligations.
LDI has a worse Quick ratio (0.19) than 70.30% 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.
Looking at the last year, LDI shows a quite strong growth in Revenue. The Revenue has grown by 12.43% 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)-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
The Earnings Per Share is expected to grow by 40.99% on average over the next years. This is a very strong growth
LDI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.35% yearly.
EPS Next Y62.45%
EPS Next 2Y53.71%
EPS Next 3Y40.99%
EPS Next 5YN/A
Revenue Next Year3.42%
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
LDI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
A Price/Forward Earnings ratio of 23.55 indicates a rather expensive valuation of LDI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of LDI indicates a slightly more expensive valuation: LDI is more expensive than 68.32% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.87. LDI is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 23.55 |
4.2 Price Multiples
68.32% of the companies in the same industry are more expensive than LDI, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 11.09 |
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 5.03. 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 2.38.
| 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%
NYSE:LDI (9/24/2025, 1:52:05 PM)
3.3299
+0.04 (+1.21%)
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 Change16.12%
Market Cap1.10B
Analysts47.69
Price Target1.65 (-50.45%)
Short Float %9.44%
Short Ratio1.47
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)22.78%
PT rev (3m)-7.62%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)-216.7%
EPS NY rev (1m)0%
EPS NY rev (3m)-49.99%
Revenue NQ rev (1m)-3.99%
Revenue NQ rev (3m)-7.96%
Revenue NY rev (1m)-1.75%
Revenue NY rev (3m)-6.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 23.55 | ||
| P/S | 0.74 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 4.05 | ||
| P/tB | 4.05 | ||
| EV/EBITDA | 11.09 |
EPS(TTM)-0.35
EYN/A
EPS(NY)0.14
Fwd EY4.25%
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 | -0.18 |
F-Score4
WACC7.64%
ROIC/WACC0.39
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 Year3.42%
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