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LDIloanDepot, Inc.
$1.17$392M
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LDI logoloanDepot, Inc.(LDI)Earnings, Financials & Key Ratios

LDI•NYSE•Banking & Credit
Price updated Jun 19, 2026
SectorFinancial ServicesIndustryMortgage FinanceSub-IndustryConsumer mortgage originators and brokers
AboutloanDepot, Inc. engages in originating, financing, selling, and servicing residential mortgage loans in the United States. It offers conventional agency-conforming and prime jumbo, federal assistance residential mortgage, and home equity loans. The company also provides settlement services, which include captive title and escrow business; real estate services that cover captive real estate referral business; and insurance services, including services to homeowners, as well as other consumer insurance policies. The company was founded in 2010 and is headquartered in Foothill Ranch, California.Show more
  • Net Interest Income-$165M+12.9%
  • Total Revenue$1.54B+37.6%
  • Net Income-$63M+36.3%
  • Return on Equity-14.04%+13.6%
  • Net Interest Margin-2.41%+19.4%
  • Efficiency Ratio75.12%-18.6%
  • ROA-0.95%+39.7%
  • Equity / Assets5.63%-29.5%
  • Book Value per Share1.83-33.0%

LDI Key Insights

loanDepot, Inc. (LDI) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Diversified revenue: 89.7% from non-interest income
  • ✓Trading at only 0.6x book value

✗Weaknesses

  • ✗High debt to equity ratio of 13.1x
  • ✗Weak NIM of -2.4%
  • ✗High cost structure: 75.1% efficiency ratio
  • ✗Weak momentum: RS Rating 8 (bottom 8%)
  • ✗Thin capital base
  • ✗Shares diluted 13.7% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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LDI Price & Volume

loanDepot, Inc. (LDI) stock price & volume — 10-year historical chart

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LDI Growth Metrics

loanDepot, Inc. (LDI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years-18.77%
3 Years2.86%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM9%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM23.22%

Return on Capital

10 Years12.46%
5 Years-2.54%
3 Years-3.93%
Last Year6.17%

LDI Recent Earnings

loanDepot, Inc. (LDI) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 3/12 qtrs (25%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
May 5, 2026
Metric
Actual
Est
EPS
$0.15-150.0%
$0.06
Rev
$286M-6.6%
$307M
Q2 2026
Mar 10, 2026
Metric
Actual
Est
EPS
$0.10-150.0%
$0.04
Rev
$310M-7.5%
$335M
Q4 2025
Nov 6, 2025
Metric
Actual
Est
EPS
$0.01+75.0%
$0.04
Rev
$341M-6.2%
$363M
Q3 2025
Aug 7, 2025
Metric
Actual
Est
EPS
$0.09-350.0%
$0.02
Rev
$283M-10.5%
$316M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 5, 2026
$0.15vs $0.06-150.0%
$286Mvs $307M-6.6%
Q2 2026Mar 10, 2026
$0.10vs $0.04-150.0%
$310Mvs $335M-7.5%
Q4 2025Nov 6, 2025
$0.01vs $0.04+75.0%
$341Mvs $363M-6.2%
Q3 2025Aug 7, 2025
$0.09vs $0.02-350.0%
$283Mvs $316M-10.5%
Based on last 12 quarters of dataView full earnings history →

LDI Peer Comparison

loanDepot, Inc. (LDI) competitors in Consumer mortgage originators and brokers — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
RKT logoRKTRocket Companies, Inc.Direct Competitor40.72B14.42-524.3627.37%2.82%1.53%
UWMC logoUWMCUWM Holdings CorporationDirect Competitor345.31M2.2218.5065.83%1.16%1.67%9.06
PFSI logoPFSIPennyMac Financial Services, Inc.Direct Competitor4.3B82.388.86173.81%14.31%12.02%5.35
GHLD logoGHLDGuild Holdings CompanyDirect Competitor439.06M20.0112.8360.87%9.71%10.27%2.42
WAL logoWALWestern Alliance BancorporationProduct Competitor8.77B79.819.145.17%18.3%12.81%0.82
TREE logoTREELendingTree, Inc.Product Competitor541.35M39.073.6224.12%15.02%85.96%1.52
ICE logoICEIntercontinental Exchange, Inc.Supply Chain75.83B133.8823.207.46%26.14%11.57%0.70
FAF logoFAFFirst American Financial CorporationSupply Chain7.02B68.6311.4421.64%11.19%12.54%0.35

Compare LDI vs Peers

loanDepot, Inc. (LDI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs RKT

Most directly comparable listed peer for LDI.

Scale Benchmark

vs ICE

Larger-name benchmark to compare LDI against a more recognizable public peer.

Peer Set

Compare Top 5

vs RKT, UWMC, PFSI, GHLD

LDI Income Statement

loanDepot, Inc. (LDI) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'14Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income
5.52M-24.33M-44.07M-36.56M-35.54M-74.75M-170.99M-189.39M-164.94M-165.35M
NII Growth %
30.11%-540.73%-81.14%17.03%2.79%-110.32%-128.73%-10.77%12.91%32.93%
Net Interest Margin %
0.4%-1.14%-0.89%-0.34%-0.3%-1.13%-2.78%-2.99%-2.41%-2.28%
Interest Income
34.42M122.08M127.57M142.88M262.48M200.2M133.26M146.49M158.8M163.11M
Interest Expense
28.9M146.41M171.64M179.44M298.02M274.96M304.25M335.88M323.74M328.46M
Loan Loss Provision
0-3.28M8.67M25.97M7.18M136.99M8.18M-6.35M-144.62M-65.78M
Non-Interest Income
486.13M1.01B1.26B4.2B3.49B1.21B910.25M970.5M1.38B1.28B
Non-Interest Income %
93.39%89.22%90.77%96.71%93.01%85.82%87.23%86.89%89.67%88.7%
Total Revenue
520.55M▲ 0%
1.13B▲ 117.6%
1.38B▲ 22.1%
4.34B▲ 214.2%
3.76B▼ 13.5%
1.41B▼ 62.4%
1.04B▼ 26.1%
1.12B▲ 7.0%
1.54B▲ 37.6%
1.44B▲ 0%
Revenue Growth %
58.57%117.62%22.05%214.25%-13.53%-62.41%-26.11%7.04%37.59%102.96%
Non-Interest Expense
469.46M1.09B1.17B2.12B2.79B1.69B1.01B1.03B1.15B1.15B
Efficiency Ratio
90.19%96.49%84.6%48.89%74.14%119.69%96.73%92.24%75.12%79.41%
Operating Income
22.19M▲ 0%
-103.34M▼ 565.7%
32.67M▲ 131.6%
2.02B▲ 6068.6%
666.52M▼ 66.9%
-689.98M▼ 203.5%
-278.31M▲ 59.7%
-242.85M▲ 12.7%
203.21M▲ 183.7%
34.45M▲ 0%
Operating Margin %
4.26%-9.12%2.36%46.39%17.74%-48.85%-26.67%-21.74%13.22%2.39%
Operating Income Growth %
-69.61%-565.66%131.61%6068.65%-66.93%-203.52%59.66%12.74%183.68%-
Pretax Income
22.19M▲ 0%
-103.34M▼ 565.7%
32.67M▲ 131.6%
2.02B▲ 6068.6%
666.52M▼ 66.9%
-689.98M▼ 203.5%
-278.31M▲ 59.7%
-242.85M▲ 12.7%
-120.53M▲ 50.4%
-129.54M▲ 0%
Pretax Margin %
4.26%-9.12%2.36%46.39%17.74%-48.85%-26.67%-21.74%-7.84%-8.98%
Income Tax
509.12K-475K-1.75M2.25M43.37M-79.59M-42.8M-40.7M-13M-7.76M
Effective Tax Rate %
2.29%0.46%-5.35%0.11%6.51%11.54%15.38%16.76%10.79%5.99%
Net Income
21.68M▲ 0%
0▼ 100.0%
0▲ 0%
0▲ 0%
113.52M▲ 0%
-273.02M▼ 340.5%
-110.14M▲ 59.7%
-98.33M▲ 10.7%
-62.65M▲ 36.3%
-78.24M▲ 0%
Net Margin %
4.17%0%0%0%3.02%-19.33%-10.55%-8.8%-4.08%-5.42%
Net Income Growth %
-69.99%-100%----340.5%59.66%10.72%36.29%9%
Net Income (Continuing)
21.68M-102.87M34.42M2.01B623.15M-610.38M-235.51M-202.15M-107.53M-121.78M
EPS (Diluted)
0.07▲ 0%
-0.70▼ 1100.0%
0.27▲ 138.6%
15.93▲ 5800.0%
0.83▼ 94.8%
-1.75▼ 310.8%
-0.63▲ 64.0%
-0.53▲ 15.9%
-0.30▲ 43.4%
-0.34▲ 0%
EPS Growth %
-85.71%-1100%138.57%5800%-94.79%-310.84%64%15.87%43.4%23.22%
EPS (Basic)
0.07-0.700.2715.930.83-1.75-0.63-0.53-0.30-
Diluted Shares Outstanding
147.06M147.06M126.34M126.34M137.29M156.03M174.91M185.64M211.02M228.96M

LDI Balance Sheet

loanDepot, Inc. (LDI) balance sheet — assets, liabilities & shareholders' equity

MetricDec'14Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments
28.64M113.99M73.3M284.22M419.57M863.96M660.71M421.58M337.23M1.48B
Cash & Due from Banks
28.64M113.99M73.3M284.22M419.57M863.96M660.71M421.58M337.23M277.42M
Short Term Investments
0000000000
Total Investments
1.11B-3.45B3.83B7.62B8.35B2.43B2.25B2.78B146.26M171.9M
Investments Growth %
37.58%-409.76%211.02%98.97%9.57%-70.86%-7.66%23.86%-94.74%-186.28%
Long-Term Investments
1.11B-3.45B3.83B7.62B8.35B2.43B2.25B2.78B146.26M5.93B
Accounts Receivables
18.76M048.28M115.78M46.92M116.34M74.21M29.62M35.55M0
Goodwill & Intangibles
14.7M469.89M490.78M1.17B2.05B2.04B2B1.63B1.66B1.69B
Goodwill
10.88M40.7M40.7M40.7M40.74M00000
Intangible Assets
3.82M429.19M450.08M1.13B2.01B2.04B2B1.63B1.66B1.69B
PP&E (Net)
36.29M90.95M142.59M151.44M159.91M128.56M100.24M81.51M85.81M88.11M
Other Assets
147.94M2.78B242.04M1.45B637.27M845.47M889.42M1.19B-1.8B-1.86B
Total Current Assets
57.76M105.69M247M499.59M616.07M1.16B912.83M655.09M337.23M277.42M
Total Non-Current Assets
1.31B3.33B4.71B10.39B11.2B5.45B5.24B5.69B85.81M88.11M
Total Assets
1.37B▲ 0%
2.13B▲ 55.2%
4.95B▲ 132.9%
10.89B▲ 120.0%
11.81B▲ 8.4%
6.61B▼ 44.0%
6.15B▼ 6.9%
6.34B▲ 3.1%
6.86B▲ 8.1%
7.25B▲ 0%
Asset Growth %
33.91%55.19%132.88%119.95%8.44%-44.04%-6.94%3.14%8.1%22.82%
Return on Assets (ROA)
1.81%---1%-2.96%-1.73%-1.57%-0.95%-1.18%
Accounts Payable
0088.05M151.54M181.19M226.89M168.16M187.72M149.39M0
Total Debt
1.05B2.53B4.37B8.63B9.52B5.13B4.98B5.43B5.04B5.17B
Net Debt
1.02B2.41B4.3B8.34B9.1B4.27B4.32B5.01B4.7B4.9B
Long-Term Debt
103M2.44B577.1M697.47M1.37B1.33B2.2B1.94B2.1B2.11B
Short-Term Debt
938.62M547.89M3.68B7.84B8.08B3.75B2.73B3.45B2.9B3.02B
Other Liabilities
116.65M-2.36B9.98M152.67M121.54M150.97M161.68M126.63M1.43B6.91B
Total Current Liabilities
1.02B50.22M3.86B8.28B8.43B4.03B2.96B3.71B2.9B3.02B
Total Non-Current Liabilities
230.83M3.18B719.76M956.81M1.75B1.66B2.49B2.13B3.57B6.91B
Total Liabilities
1.25B3.23B4.58B9.24B10.18B5.69B5.45B5.84B6.47B6.91B
Total Equity
119.97M▲ 0%
6.03B▲ 4923.9%
375.88M▼ 93.8%
1.66B▲ 340.7%
1.63B▼ 1.6%
921.47M▼ 43.4%
704.48M▼ 23.5%
506.61M▼ 28.1%
386.01M▼ 23.8%
337.3M▲ 0%
Equity Growth %
20.83%4923.94%-93.76%340.72%-1.65%-43.45%-23.55%-28.09%-23.81%-102.91%
Equity / Assets (Capital Ratio)
8.75%283.41%7.59%15.21%13.79%13.94%11.45%7.99%5.63%4.65%
Return on Equity (ROE)
19.78%---6.91%-21.41%-13.55%-16.24%-14.04%-19.61%
Book Value per Share
0.8240.982.9813.1111.875.914.032.731.831.47
Tangible BV per Share
0.7237.79-0.913.85-3.06-7.15-7.41-6.07-6.03-5.91
Common Stock
02.67B00312K317K325K332K246K347K
Additional Paid-in Capital
1.82M17.83M00565.07M788.6M821.05M843.52M878.2M0
Retained Earnings
118.15M210.41M00-28.98M-342.14M-451.71M-550.62M-614.4M-651.75M
Accumulated OCI
0348.89M00000000
Treasury Stock
0000-12.85M-13.28M-16.49M-20.34M-29.64M0
Preferred Stock
0192.58M00000000

LDI Cash Flow Statement

loanDepot, Inc. (LDI) cash flow — operating, investing & free cash flow history

MetricDec'14Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
-314.56M-428.79M-1.5B-2.03B-1.47B4.46B-174.22M-865.42M-707.51M-696.97M
Operating CF Growth %
-44.9%-36.32%-249.21%-35.62%27.82%404.35%-103.91%-396.75%18.25%-1431.93%
Net Income
21.68M-102.87M34.42M2.01B623.15M-610.38M-235.51M-202.15M-107.53M-78.24M
Depreciation & Amortization
11.69M36.28M61.34M60.7M58.15M62.97M55.42M47.12M36.62M34.96M
Deferred Taxes
00-1.13B-3.87B31.32M-80.28M-43.17M-48.08M-6.86M-278K
Other Non-Cash Items
-367.56M-231.57M-521.36M-381.58M-2.17B5.23B43.75M-722.33M-603.73M-654.61M
Working Capital Changes
14.37M-132.69M57.94M140.62M-73.77M-161.49M-16.69M35.11M-38.23M31.83M
Cash from Investing
44.22M503.13M141.09M-27.67M296.78M667.76M165.66M495.05M14.51M6.94M
Purchase of Investments
00-5K-750K-1.11M-325K0-225K00
Sale/Maturity of Investments
00150K213K2.49M7.48M5.58M6.34M01.5M
Net Investment Activity
00145K-537K1.37M7.16M5.58M6.11M01.5M
Acquisitions
005K0000000
Other Investing
62.22M543.91M153.49M6.77M349.53M703.81M180.69M515.32M41.61M33.59M
Cash from Financing
258.09M-56.94M1.36B2.43B1.3B-4.77B-226.09M151.74M566.8M471.2M
Dividends Paid
-8.2M0-7.61M-643.05M-463.31M-119.26M-2.98M-3.26M-2.47M-391K
Share Repurchases
-715K000-12.85M-430K-3.21M-3.85M-9.29M-8.66M
Stock Issued
000000005.93M236K
Net Stock Activity
-715K000-12.85M-430K-3.21M-3.85M-3.37M-8.42M
Debt Issuance (Net)
1000K-1000K1000K1000K1000K-1000K-1000K1000K1000K-1000K
Other Financing
7.97M-16.65M-5.2M-130.19M-21.18M0-5.31M-13.34M04.53M
Net Change in Cash
-12.25M▲ 0%
17.4M▲ 242.1%
3.5M▼ 79.9%
371.19M▲ 10493.4%
131.91M▼ 64.5%
359.9M▲ 172.8%
-234.65M▼ 165.2%
-218.63M▲ 6.8%
-126.2M▲ 42.3%
-44.7M▲ 0%
Exchange Rate Effect
0000000000
Cash at Beginning
40.89M96.59M113.99M117.5M488.69M620.6M980.5M745.86M527.22M0
Cash at End
28.64M113.99M117.5M488.69M620.6M980.5M745.86M527.22M401.02M0
Interest Paid
492.69K142.7M159.75M159.99M270.47M253.73M321.63M305.52M059.53M
Income Taxes Paid
509.12K699K4.04M447K3.33M26.73M09.02M0229K
Free Cash Flow
-332.56M▲ 0%
-469.56M▼ 41.2%
-1.51B▼ 221.6%
-2.06B▼ 36.7%
-1.52B▲ 26.4%
4.42B▲ 390.7%
-194.83M▼ 104.4%
-891.81M▼ 357.7%
-734.61M▲ 17.6%
-725.12M▲ 0%
FCF Growth %
-45.38%-41.2%-221.56%-36.74%26.39%390.66%-104.41%-357.74%17.63%8.81%

LDI Banking Ratios

loanDepot, Inc. (LDI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201420182019202020212022202320242025TTM
Return on Equity (ROE)
19.78%---6.91%-21.41%-13.55%-16.24%-14.04%-19.61%
Return on Assets (ROA)
1.81%---1%-2.96%-1.73%-1.57%-0.95%-1.18%
Net Interest Margin
0.4%-1.14%-0.89%-0.34%-0.3%-1.13%-2.78%-2.99%-2.41%-2.28%
Efficiency Ratio
90.19%96.49%84.6%48.89%74.14%119.69%96.73%92.24%75.12%79.41%
Equity / Assets
8.75%283.41%7.59%15.21%13.79%13.94%11.45%7.99%5.63%4.65%
Book Value / Share
0.8240.982.9813.1111.875.914.032.731.831.47
NII Growth
30.11%-540.73%-81.14%17.03%2.79%-110.32%-128.73%-10.77%12.91%9.18%
Dividend Payout
37.83%---408.12%-----0.5%
Related:LDI Dividend History·LDI Revenue History·LDI Price History·LDI P/E History·LDI Financial Ratios·LDI Institutional Holders

LDI SEC Filings & Documents

loanDepot, Inc. (LDI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 5, 2026·SEC

Material company update

Apr 30, 2026·SEC

Material company update

Mar 10, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 12, 2026·SEC

FY 2025

Mar 13, 2025·SEC

10-Q Quarterly Reports

5
FY 2026

May 7, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

LDI Frequently Asked Questions

loanDepot, Inc. (LDI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

loanDepot, Inc. (LDI) grew revenue by 37.6% over the past year. This is strong growth.

loanDepot, Inc. (LDI) reported a net loss of $78.2M for fiscal year 2025.

Dividend & Returns

Yes, loanDepot, Inc. (LDI) pays a dividend with a yield of 1.00%. This makes it attractive for income-focused investors.

loanDepot, Inc. (LDI) has a return on equity (ROE) of -14.0%. Negative ROE indicates the company is unprofitable.

Industry Metrics

loanDepot, Inc. (LDI) has a net interest margin (NIM) of -2.4%. NIM has been under pressure due to interest rate environment.

loanDepot, Inc. (LDI) has an efficiency ratio of 75.1%. This is higher than peers, suggesting room for cost optimization.

What if you invested $1,000 in LDI back in 2013?

Total return calculator · dividends reinvested · 13+ years of data

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How much would $100/month in LDI be worth today?

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