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6May 5, 2026·SEC
Apr 30, 2026·SEC
Mar 10, 2026·SEC
loanDepot, Inc. (LDI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
loanDepot, Inc. (LDI) stock price & volume — 10-year historical chart
loanDepot, Inc. (LDI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
loanDepot, Inc. (LDI) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 10, 2026 | $0.10vs $0.04-150.0% | $310Mvs $335M-7.5% |
| Q4 2025 | Nov 6, 2025 | $0.01vs $0.04+75.0% | $341Mvs $363M-6.2% |
| Q3 2025 | Aug 7, 2025 | $0.09vs $0.02-350.0% | $283Mvs $316M-10.5% |
| Q2 2025 | May 6, 2025 | $0.13vs $0.07-85.7% | $284Mvs $333M-14.8% |
loanDepot, Inc. (LDI) competitors in Consumer mortgage originators and brokers — business model, growth, and fundamentals comparison
loanDepot, Inc. (LDI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
loanDepot, Inc. (LDI) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'14 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 5.52M | -24.33M | -44.07M | -36.56M | -35.54M | -74.75M | -170.99M | -189.39M | -164.94M |
| NII Growth % | 30.11% | -540.73% | -81.14% | 17.03% | 2.79% | -110.32% | -128.73% | -10.77% | 12.91% |
| Net Interest Margin % | 0.4% | -1.14% | -0.89% | -0.34% | -0.3% | -1.13% | -2.78% | -2.99% | -2.41% |
| Interest Income | 34.42M | 122.08M | 127.57M | 142.88M | 262.48M | 200.2M | 133.26M | 146.49M | 158.8M |
| Interest Expense | 28.9M | 146.41M | 171.64M | 179.44M | 298.02M | 274.96M | 304.25M | 335.88M | 323.74M |
| Loan Loss Provision | 0 | -3.28M | 8.67M | 25.97M | 7.18M | 136.99M | 8.18M | -6.35M | -144.62M |
| Non-Interest Income | 486.13M | 1.01B | 1.26B | 4.2B | 3.49B | 1.21B | 910.25M | 970.5M | 1.38B |
| Non-Interest Income % | 93.39% | 89.22% | 90.77% | 96.71% | 93.01% | 85.82% | 87.23% | 86.89% | 89.67% |
| 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% |
| Revenue Growth % | 58.57% | 117.62% | 22.05% | 214.25% | -13.53% | -62.41% | -26.11% | 7.04% | 37.59% |
| Non-Interest Expense | 469.46M | 1.09B | 1.17B | 2.12B | 2.79B | 1.69B | 1.01B | 1.03B | 1.15B |
| Efficiency Ratio | 90.19% | 96.49% | 84.6% | 48.89% | 74.14% | 119.69% | 96.73% | 92.24% | 75.12% |
| 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% |
| Operating Margin % | 4.26% | -9.12% | 2.36% | 46.39% | 17.74% | -48.85% | -26.67% | -21.74% | 13.22% |
| 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% |
| Pretax Margin % | 4.26% | -9.12% | 2.36% | 46.39% | 17.74% | -48.85% | -26.67% | -21.74% | -7.84% |
| Income Tax | 509.12K | -475K | -1.75M | 2.25M | 43.37M | -79.59M | -42.8M | -40.7M | -13M |
| Effective Tax Rate % | 2.29% | 0.46% | -5.35% | 0.11% | 6.51% | 11.54% | 15.38% | 16.76% | 10.79% |
| 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% |
| Net Margin % | 4.17% | 0% | 0% | 0% | 3.02% | -19.33% | -10.55% | -8.8% | -4.08% |
| Net Income Growth % | -69.99% | -100% | - | - | - | -340.5% | 59.66% | 10.72% | 36.29% |
| Net Income (Continuing) | 21.68M | -102.87M | 34.42M | 2.01B | 623.15M | -610.38M | -235.51M | -202.15M | -107.53M |
| 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% |
| EPS Growth % | -85.71% | -1100% | 138.57% | 5800% | -94.79% | -310.84% | 64% | 15.87% | 43.4% |
| EPS (Basic) | 0.07 | -0.70 | 0.27 | 15.93 | 0.83 | -1.75 | -0.63 | -0.53 | -0.30 |
| Diluted Shares Outstanding | 147.06M | 147.06M | 126.34M | 126.34M | 137.29M | 156.03M | 174.91M | 185.64M | 211.02M |
loanDepot, Inc. (LDI) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'14 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 28.64M | 113.99M | 73.3M | 284.22M | 419.57M | 863.96M | 660.71M | 421.58M | 337.23M |
| Cash & Due from Banks | 28.64M | 113.99M | 73.3M | 284.22M | 419.57M | 863.96M | 660.71M | 421.58M | 337.23M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 1.11B | -3.45B | 3.83B | 7.62B | 8.35B | 2.43B | 2.25B | 2.78B | 146.26M |
| Investments Growth % | 37.58% | -409.76% | 211.02% | 98.97% | 9.57% | -70.86% | -7.66% | 23.86% | -94.74% |
| Long-Term Investments | 1.11B | -3.45B | 3.83B | 7.62B | 8.35B | 2.43B | 2.25B | 2.78B | 146.26M |
| Accounts Receivables | 18.76M | 0 | 48.28M | 115.78M | 46.92M | 116.34M | 74.21M | 29.62M | 35.55M |
| Goodwill & Intangibles | 14.7M | 469.89M | 490.78M | 1.17B | 2.05B | 2.04B | 2B | 1.63B | 1.66B |
| Goodwill | 10.88M | 40.7M | 40.7M | 40.7M | 40.74M | 0 | 0 | 0 | 0 |
| Intangible Assets | 3.82M | 429.19M | 450.08M | 1.13B | 2.01B | 2.04B | 2B | 1.63B | 1.66B |
| PP&E (Net) | 36.29M | 90.95M | 142.59M | 151.44M | 159.91M | 128.56M | 100.24M | 81.51M | 85.81M |
| Other Assets | 147.94M | 2.78B | 242.04M | 1.45B | 637.27M | 845.47M | 889.42M | 1.19B | -1.8B |
| Total Current Assets | 57.76M | 105.69M | 247M | 499.59M | 616.07M | 1.16B | 912.83M | 655.09M | 337.23M |
| Total Non-Current Assets | 1.31B | 3.33B | 4.71B | 10.39B | 11.2B | 5.45B | 5.24B | 5.69B | 85.81M |
| 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% |
| Asset Growth % | 33.91% | 55.19% | 132.88% | 119.95% | 8.44% | -44.04% | -6.94% | 3.14% | 8.1% |
| Return on Assets (ROA) | 1.81% | - | - | - | 1% | -2.96% | -1.73% | -1.57% | -0.95% |
| Accounts Payable | 0 | 0 | 88.05M | 151.54M | 181.19M | 226.89M | 168.16M | 187.72M | 149.39M |
| Total Debt | 1.05B | 2.53B | 4.37B | 8.63B | 9.52B | 5.13B | 4.98B | 5.43B | 5.04B |
| Net Debt | 1.02B | 2.41B | 4.3B | 8.34B | 9.1B | 4.27B | 4.32B | 5.01B | 4.7B |
| Long-Term Debt | 103M | 2.44B | 577.1M | 697.47M | 1.37B | 1.33B | 2.2B | 1.94B | 2.1B |
| Short-Term Debt | 938.62M | 547.89M | 3.68B | 7.84B | 8.08B | 3.75B | 2.73B | 3.45B | 2.9B |
| Other Liabilities | 116.65M | -2.36B | 9.98M | 152.67M | 121.54M | 150.97M | 161.68M | 126.63M | 1.43B |
| Total Current Liabilities | 1.02B | 50.22M | 3.86B | 8.28B | 8.43B | 4.03B | 2.96B | 3.71B | 2.9B |
| Total Non-Current Liabilities | 230.83M | 3.18B | 719.76M | 956.81M | 1.75B | 1.66B | 2.49B | 2.13B | 3.57B |
| Total Liabilities | 1.25B | 3.23B | 4.58B | 9.24B | 10.18B | 5.69B | 5.45B | 5.84B | 6.47B |
| 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% |
| Equity Growth % | 20.83% | 4923.94% | -93.76% | 340.72% | -1.65% | -43.45% | -23.55% | -28.09% | -23.81% |
| Equity / Assets (Capital Ratio) | 8.75% | 283.41% | 7.59% | 15.21% | 13.79% | 13.94% | 11.45% | 7.99% | 5.63% |
| Return on Equity (ROE) | 19.78% | - | - | - | 6.91% | -21.41% | -13.55% | -16.24% | -14.04% |
| Book Value per Share | 0.82 | 40.98 | 2.98 | 13.11 | 11.87 | 5.91 | 4.03 | 2.73 | 1.83 |
| Tangible BV per Share | 0.72 | 37.79 | -0.91 | 3.85 | -3.06 | -7.15 | -7.41 | -6.07 | -6.03 |
| Common Stock | 0 | 2.67B | 0 | 0 | 312K | 317K | 325K | 332K | 246K |
| Additional Paid-in Capital | 1.82M | 17.83M | 0 | 0 | 565.07M | 788.6M | 821.05M | 843.52M | 878.2M |
| Retained Earnings | 118.15M | 210.41M | 0 | 0 | -28.98M | -342.14M | -451.71M | -550.62M | -614.4M |
| Accumulated OCI | 0 | 348.89M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | -12.85M | -13.28M | -16.49M | -20.34M | -29.64M |
| Preferred Stock | 0 | 192.58M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
loanDepot, Inc. (LDI) cash flow — operating, investing & free cash flow history
| Line item | Dec'14 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -314.56M | -428.79M | -1.5B | -2.03B | -1.47B | 4.46B | -174.22M | -865.42M | -707.51M |
| Operating CF Growth % | -44.9% | -36.32% | -249.21% | -35.62% | 27.82% | 404.35% | -103.91% | -396.75% | 18.25% |
| Net Income | 21.68M | -102.87M | 34.42M | 2.01B | 623.15M | -610.38M | -235.51M | -202.15M | -107.53M |
| Depreciation & Amortization | 11.69M | 36.28M | 61.34M | 60.7M | 58.15M | 62.97M | 55.42M | 47.12M | 36.62M |
| Deferred Taxes | 0 | 0 | -1.13B | -3.87B | 31.32M | -80.28M | -43.17M | -48.08M | -6.86M |
| Other Non-Cash Items | -367.56M | -231.57M | -521.36M | -381.58M | -2.17B | 5.23B | 43.75M | -722.33M | -603.73M |
| Working Capital Changes | 14.37M | -132.69M | 57.94M | 140.62M | -73.77M | -161.49M | -16.69M | 35.11M | -38.23M |
| Cash from Investing | 44.22M | 503.13M | 141.09M | -27.67M | 296.78M | 667.76M | 165.66M | 495.05M | 14.51M |
| Purchase of Investments | 0 | 0 | -5K | -750K | -1.11M | -325K | 0 | -225K | 0 |
| Sale/Maturity of Investments | 0 | 0 | 150K | 213K | 2.49M | 7.48M | 5.58M | 6.34M | 0 |
| Net Investment Activity | 0 | 0 | 145K | -537K | 1.37M | 7.16M | 5.58M | 6.11M | 0 |
| Acquisitions | 0 | 0 | 5K | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 62.22M | 543.91M | 153.49M | 6.77M | 349.53M | 703.81M | 180.69M | 515.32M | 41.61M |
| Cash from Financing | 258.09M | -56.94M | 1.36B | 2.43B | 1.3B | -4.77B | -226.09M | 151.74M | 566.8M |
| Dividends Paid | -8.2M | 0 | -7.61M | -643.05M | -463.31M | -119.26M | -2.98M | -3.26M | -2.47M |
| Share Repurchases | -715K | 0 | 0 | 0 | -12.85M | -430K | -3.21M | -3.85M | -9.29M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5.93M |
| Net Stock Activity | -715K | 0 | 0 | 0 | -12.85M | -430K | -3.21M | -3.85M | -3.37M |
| Debt Issuance (Net) | 1000K | -1000K | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K |
| Other Financing | 7.97M | -16.65M | -5.2M | -130.19M | -21.18M | 0 | -5.31M | -13.34M | 0 |
| 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% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 40.89M | 96.59M | 113.99M | 117.5M | 488.69M | 620.6M | 980.5M | 745.86M | 527.22M |
| Cash at End | 28.64M | 113.99M | 117.5M | 488.69M | 620.6M | 980.5M | 745.86M | 527.22M | 401.02M |
| Interest Paid | 492.69K | 142.7M | 159.75M | 159.99M | 270.47M | 253.73M | 321.63M | 305.52M | 0 |
| Income Taxes Paid | 509.12K | 699K | 4.04M | 447K | 3.33M | 26.73M | 0 | 9.02M | 0 |
| 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% |
| FCF Growth % | -45.38% | -41.2% | -221.56% | -36.74% | 26.39% | 390.66% | -104.41% | -357.74% | 17.63% |
loanDepot, Inc. (LDI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2013 | 2014 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 72.78% | 19.78% | - | - | - | 6.91% | -21.41% | -13.55% | -16.24% | -14.04% |
| Return on Assets (ROA) | 7.06% | 1.81% | - | - | - | 1% | -2.96% | -1.73% | -1.57% | -0.95% |
| Net Interest Margin | 0.41% | 0.4% | -1.14% | -0.89% | -0.34% | -0.3% | -1.13% | -2.78% | -2.99% | -2.41% |
| Efficiency Ratio | 73.29% | 90.19% | 96.49% | 84.6% | 48.89% | 74.14% | 119.69% | 96.73% | 92.24% | 75.12% |
| Equity / Assets | 9.7% | 8.75% | 283.41% | 7.59% | 15.21% | 13.79% | 13.94% | 11.45% | 7.99% | 5.63% |
| Book Value / Share | 0.68 | 0.82 | 40.98 | 2.98 | 13.11 | 11.87 | 5.91 | 4.03 | 2.73 | 1.83 |
| NII Growth | - | 30.11% | -540.73% | -81.14% | 17.03% | 2.79% | -110.32% | -128.73% | -10.77% | 12.91% |
| Dividend Payout | 44.15% | 37.83% | - | - | - | 408.12% | - | - | - | - |
loanDepot, Inc. (LDI) SEC filings — annual & quarterly reports (10-K, 10-Q)
May 5, 2026·SEC
Apr 30, 2026·SEC
Mar 10, 2026·SEC
loanDepot, Inc. (LDI) stock FAQ — growth, dividends, profitability & financials explained
loanDepot, Inc. (LDI) grew revenue by 37.6% over the past year. This is strong growth.
loanDepot, Inc. (LDI) reported a net loss of $62.6M for fiscal year 2025.
Yes, loanDepot, Inc. (LDI) pays a dividend with a yield of 0.78%. 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.
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.
loanDepot, Inc. (LDI) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates