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loanDepot, Inc.

LDI

$0.95 ▲ +0.01 (+0.74%) at close

7 Visible periods

26 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

loanDepot, Inc. faces fundamental challenges with weakness in Profit Margin (%) and Operating Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap —

Dividend Yield —

Revenue Growth 12.2% ↗

Op. Margin -10.1% ↗

ROIC None

FCF / Share None

Trailing P/E —

Price / Book —

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

7-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.19B

↑ +12.2% —

Net Income Profit after all expenses

$-62.65M

↑ +36.3% —

Operating Margin Operating profit as % of sales

-10.1%

↑ +55.8% 15th

Long-Term Debt Long-term obligations

$2.10B

↑ +3.6% —

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Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability

Financial view

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📈 Is growth accelerating? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	12.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+104%)	8.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+48%)	-22.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-474%)	-66.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-1205%)	-13.6% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-327%)	222.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+3608%)	—
Net Income Growth YoY (%)	36.3% Excellent → Excellent Stable Year-over-year change in net income	10.7% Fair Fair Year-over-year change in net income	59.7% Excellent Excellent Year-over-year change in net income	N/M	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-1.8% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-34.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-39.1% Weak Weak Compound annual revenue growth over 3 years	-2.1% Weak Weak Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	-22.7% Weak Weak Compound annual revenue growth over 5 years	-4.5% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	-10.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-141%)	-22.9% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-192%)	-28.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-214%)	-54.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-320%)	17.9% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	46.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+87%)	2.4% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)
Effective Tax Rate (%) (%)	10.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.4% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-5.4% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%
Profit Margin (%) (%)	-5.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-124%)	-9.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-142%)	-11.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-151%)	-21.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-199%)	3.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	0.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-100%)	0.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-100%)
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-4.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	—	—	$5.57	$8.05	$28.65	—	—
Basic EPS, GAAP (USD)	—	—	—	$-1.75	$0.87	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Basic Weighted Avg Shares (shares)	—	—	174.91M	156.03M	130.00M	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$2.10B	$2.03B	$2.27B	$2.29B	$1.63B	$712.47M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$1.19B	$1.06B	$974.02M	$1.26B	$3.72B	$4.31B	$1.34B
Depreciation Expense (USD)	$26.20M	$36.10M	$41.30M	$42.00M	$35.00M	$35.20M	$36.80M
Net Income, GAAP (USD)	$-62.65M	$-98.33M	$-110.14M	$-273.02M	$113.52M	$0.00	$0.00
Operating Cash Flow (USD)	$-707.51M	$-858.31M	$-174.22M	$4.46B	$-1.47B	$-2.03B	$-1.50B

🏛️ Sector-Specific 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Net Interest Margin (approx.) (%)	0.1%	-0.0%	0.1%	0.7%	0.4%	0.1%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 7 years · 25 quarters

loanDepot, Inc.

Analytical Summary

7-Year Financial Trajectory

Bullish Indicators

Bearish Risks

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