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Company Analysis

loanDepot, Inc. LDI

A comprehensive view of key metrics, scores, and financial health for loanDepot, Inc.

Overview of loanDepot, Inc.

LDI NYQ
Financial Services Mortgage Finance Framework: Banks & Lenders Small Cap
loanDepot, Inc. (LDI), is a Small Cap company, in the Mortgage Finance industry, last closed at $1.05, about 12.4% overvalued vs fair value, -34.0% 1Y return, ranked 938/1078 in sector.
Metrics Rev Growth 20.5% ROE -24.7% Div Yield 0.53%
USD 1.05
-1.87%
(Delayed)
• Vol 90d: 62.7%
Market Cap
$371.60M
Enterprise Value
$5.19B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Weak
Completeness: 82%
Confidence: 85%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

Website https://www.loandepot.com
HQ Irvine, CA
Employees 4,553
Fiscal year Dec 31

Next Events

Earnings Aug 4 Estimated

Fair Value Snapshot

Bear Base Bull
$1
$1
$2
Current: $1.05 -12% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$158.8M
8.4%%
Interest Expense
$323.7M
Net Interest Income
$-164.9M
12.9%%
Total Revenue
$896.6M
20.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-26.7%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating loanDepot, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
11
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
4
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 82% Coverage
Trade-Off Triangle Visualization A ternary plot showing LDI's balance between Growth (77.1%), Profitability (3.1%), and Safety (19.8%). Growth 77% Safety 20% Profitability 3%

Click axes to expand details. Marker shows current allocation.

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Growth

55th percentile vs peers
56
Key Signals
Asset Growth YoY 8.1% 70p NII Growth YoY 12.9% 60p EPS Growth YoY 44.0% 75p Equity Growth YoY -14.1% 3p
Strengths
  • Dividends/Tangible Equity in top 20% of peers (-0.2%, 98th percentile)
Risks
  • Equity Growth YoY in bottom 20% of peers (-14.1%)

Profitability

2th percentile vs peers
2
Key Signals
Strengths
Risks
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Safety

14th percentile vs peers
14
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for loanDepot, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$0.92
- - -
-12.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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