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LDI logoloanDepot, Inc.(LDI)Earnings, Financials & Key Ratios

LDI•NYSE•Banking & Credit
$1.49
$499M mkt cap·Price updated May 6, 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%
  • Tangible BV/Share-6.03+0.7%
  • Debt/Equity13.05+21.7%
Technical→

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 0.8x 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 12 (bottom 12%)
  • ✗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.

LDI Price & Volume

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

Loading chart...

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-
TTM36.29%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM44.14%

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
Mar 10, 2026
EPS
$0.10
Est $0.04
-150.0%
Revenue
$310M
Est $335M
-7.5%
Q4 2025
Nov 6, 2025
EPS
$0.01
Est $0.04
+75.0%
Revenue
$341M
Est $363M
-6.2%
Q3 2025
Aug 7, 2025
EPS
$0.09
Est $0.02
-350.0%
Revenue
$283M
Est $316M
-10.5%
Q2 2025
May 6, 2025
EPS
$0.13
Est $0.07
-85.7%
Revenue
$284M
Est $333M
-14.8%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMar 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%
Q2 2025May 6, 2025
$0.13vs $0.07-85.7%
$284Mvs $333M-14.8%
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
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
RKT logoRKTRocket Companies, Inc.Direct Competitor1.99B14.0967.1034.84%0.54%-1.15%1.55
UWMC logoUWMCUWM Holdings CorporationDirect Competitor724.07M3.4328.5465.83%0.87%0.92%
PFSI logoPFSIPennyMac Financial Services, Inc.Direct Competitor4.56B87.489.41173.81%11.48%12.02%5.35
GHLD logoGHLDGuild Holdings CompanyDirect Competitor439.06M20.0112.8360.87%8.27%10.27%2.42
WAL logoWALWestern Alliance BancorporationProduct Competitor8.99B81.869.385.17%18.37%12.81%0.82
TREE logoTREELendingTree, Inc.Product Competitor562.82M40.623.7724.12%13.54%85.96%10.78%1.52
ICE logoICEIntercontinental Exchange, Inc.Supply Chain87.96B155.2826.917.46%26.14%11.57%4.88%0.70
FAF logoFAFFirst American Financial CorporationSupply Chain7B68.3811.4021.64%11.19%12.54%10.9%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
Line itemDec'14Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income5.52M-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 Income34.42M122.08M127.57M142.88M262.48M200.2M133.26M146.49M158.8M
Interest Expense28.9M146.41M171.64M179.44M298.02M274.96M304.25M335.88M323.74M
Loan Loss Provision0-3.28M8.67M25.97M7.18M136.99M8.18M-6.35M-144.62M
Non-Interest Income486.13M1.01B1.26B4.2B3.49B1.21B910.25M970.5M1.38B
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 Expense469.46M1.09B1.17B2.12B2.79B1.69B1.01B1.03B1.15B
Efficiency Ratio90.19%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 Tax509.12K-475K-1.75M2.25M43.37M-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-102.87M34.42M2.01B623.15M-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)0.07-0.700.2715.930.83-1.75-0.63-0.53-0.30
Diluted Shares Outstanding147.06M147.06M126.34M126.34M137.29M156.03M174.91M185.64M211.02M

LDI Balance Sheet

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

Line itemDec'14Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments28.64M113.99M73.3M284.22M419.57M863.96M660.71M421.58M337.23M
Cash & Due from Banks28.64M113.99M73.3M284.22M419.57M863.96M660.71M421.58M337.23M
Short Term Investments000000000
Total Investments1.11B-3.45B3.83B7.62B8.35B2.43B2.25B2.78B146.26M
Investments Growth %37.58%-409.76%211.02%98.97%9.57%-70.86%-7.66%23.86%-94.74%
Long-Term Investments1.11B-3.45B3.83B7.62B8.35B2.43B2.25B2.78B146.26M
Accounts Receivables18.76M048.28M115.78M46.92M116.34M74.21M29.62M35.55M
Goodwill & Intangibles14.7M469.89M490.78M1.17B2.05B2.04B2B1.63B1.66B
Goodwill10.88M40.7M40.7M40.7M40.74M0000
Intangible Assets3.82M429.19M450.08M1.13B2.01B2.04B2B1.63B1.66B
PP&E (Net)36.29M90.95M142.59M151.44M159.91M128.56M100.24M81.51M85.81M
Other Assets147.94M2.78B242.04M1.45B637.27M845.47M889.42M1.19B-1.8B
Total Current Assets57.76M105.69M247M499.59M616.07M1.16B912.83M655.09M337.23M
Total Non-Current Assets1.31B3.33B4.71B10.39B11.2B5.45B5.24B5.69B85.81M
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 Payable0088.05M151.54M181.19M226.89M168.16M187.72M149.39M
Total Debt1.05B2.53B4.37B8.63B9.52B5.13B4.98B5.43B5.04B
Net Debt1.02B2.41B4.3B8.34B9.1B4.27B4.32B5.01B4.7B
Long-Term Debt103M2.44B577.1M697.47M1.37B1.33B2.2B1.94B2.1B
Short-Term Debt938.62M547.89M3.68B7.84B8.08B3.75B2.73B3.45B2.9B
Other Liabilities116.65M-2.36B9.98M152.67M121.54M150.97M161.68M126.63M1.43B
Total Current Liabilities1.02B50.22M3.86B8.28B8.43B4.03B2.96B3.71B2.9B
Total Non-Current Liabilities230.83M3.18B719.76M956.81M1.75B1.66B2.49B2.13B3.57B
Total Liabilities1.25B3.23B4.58B9.24B10.18B5.69B5.45B5.84B6.47B
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 Share0.8240.982.9813.1111.875.914.032.731.83
Tangible BV per Share0.7237.79-0.913.85-3.06-7.15-7.41-6.07-6.03
Common Stock02.67B00312K317K325K332K246K
Additional Paid-in Capital1.82M17.83M00565.07M788.6M821.05M843.52M878.2M
Retained Earnings118.15M210.41M00-28.98M-342.14M-451.71M-550.62M-614.4M
Accumulated OCI0348.89M0000000
Treasury Stock0000-12.85M-13.28M-16.49M-20.34M-29.64M
Preferred Stock0192.58M0000000

LDI Cash Flow Statement

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

Line itemDec'14Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations-314.56M-428.79M-1.5B-2.03B-1.47B4.46B-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 Income21.68M-102.87M34.42M2.01B623.15M-610.38M-235.51M-202.15M-107.53M
Depreciation & Amortization11.69M36.28M61.34M60.7M58.15M62.97M55.42M47.12M36.62M
Deferred Taxes00-1.13B-3.87B31.32M-80.28M-43.17M-48.08M-6.86M
Other Non-Cash Items-367.56M-231.57M-521.36M-381.58M-2.17B5.23B43.75M-722.33M-603.73M
Working Capital Changes14.37M-132.69M57.94M140.62M-73.77M-161.49M-16.69M35.11M-38.23M
Cash from Investing44.22M503.13M141.09M-27.67M296.78M667.76M165.66M495.05M14.51M
Purchase of Investments00-5K-750K-1.11M-325K0-225K0
Sale/Maturity of Investments00150K213K2.49M7.48M5.58M6.34M0
Net Investment Activity00145K-537K1.37M7.16M5.58M6.11M0
Acquisitions005K000000
Other Investing62.22M543.91M153.49M6.77M349.53M703.81M180.69M515.32M41.61M
Cash from Financing258.09M-56.94M1.36B2.43B1.3B-4.77B-226.09M151.74M566.8M
Dividends Paid-8.2M0-7.61M-643.05M-463.31M-119.26M-2.98M-3.26M-2.47M
Share Repurchases-715K000-12.85M-430K-3.21M-3.85M-9.29M
Stock Issued000000005.93M
Net Stock Activity-715K000-12.85M-430K-3.21M-3.85M-3.37M
Debt Issuance (Net)1000K-1000K1000K1000K1000K-1000K-1000K1000K1000K
Other Financing7.97M-16.65M-5.2M-130.19M-21.18M0-5.31M-13.34M0
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 Effect000000000
Cash at Beginning40.89M96.59M113.99M117.5M488.69M620.6M980.5M745.86M527.22M
Cash at End28.64M113.99M117.5M488.69M620.6M980.5M745.86M527.22M401.02M
Interest Paid492.69K142.7M159.75M159.99M270.47M253.73M321.63M305.52M0
Income Taxes Paid509.12K699K4.04M447K3.33M26.73M09.02M0
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%

LDI Banking Ratios

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

Metric2013201420182019202020212022202320242025
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 Margin0.41%0.4%-1.14%-0.89%-0.34%-0.3%-1.13%-2.78%-2.99%-2.41%
Efficiency Ratio73.29%90.19%96.49%84.6%48.89%74.14%119.69%96.73%92.24%75.12%
Equity / Assets9.7%8.75%283.41%7.59%15.21%13.79%13.94%11.45%7.99%5.63%
Book Value / Share0.680.8240.982.9813.1111.875.914.032.731.83
NII Growth-30.11%-540.73%-81.14%17.03%2.79%-110.32%-128.73%-10.77%12.91%
Dividend Payout44.15%37.83%---408.12%----

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

4
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 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 $62.6M for fiscal year 2025.

Dividend & Returns

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.

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.

Explore More LDI

loanDepot, Inc. (LDI) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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