| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| RKTRocket Companies, Inc. | 22.01B | 22.76 | 108.38 | 34.84% | 0.54% | -1.15% | 1.55 | |
| BETRBetter Home & Finance Holding Company | 382.78M | 38.84 | -2.85 | 35.65% | -171.83% | -362.58% | ||
| LDIloanDepot, Inc. | 337.47M | 2.67 | -5.04 | 7.04% | -8.8% | -16.94% | 10.72 |
| Dec 2013 | Dec 2014 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 4.24M | 5.52M | -24.33M | -44.07M | -36.56M | -35.54M | -74.75M | -170.99M | -189.39M |
| NII Growth % | - | 0.3% | -5.41% | -0.81% | 0.17% | 0.03% | -1.1% | -1.29% | -0.11% |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - |
| Interest Income | 18.9M | 34.42M | 122.08M | 127.57M | 142.88M | 262.48M | 200.2M | 133.26M | 146.49M |
| Interest Expense | 14.66M | 28.9M | 146.41M | 171.64M | 179.44M | 298.02M | 274.96M | 304.25M | 335.88M |
| Loan Loss Provision | 0 | 0 | -3.28M | 8.67M | 25.97M | 7.18M | 136.99M | 8.18M | -6.35M |
| Non-Interest Income | 309.38M | 486.13M | 1.01B | 1.26B | 4.2B | 3.49B | 1.21B | 910.25M | 970.5M |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - |
| Total Revenue | 328.28M | 520.55M | 1.13B | 1.38B | 4.34B | 3.76B | 1.41B | 1.04B | 1.12B |
| Revenue Growth % | - | 0.59% | 1.18% | 0.22% | 2.14% | -0.14% | -0.62% | -0.26% | 0.07% |
| Non-Interest Expense | 240.59M | 469.46M | 1.09B | 1.17B | 2.12B | 2.79B | 1.69B | 1.01B | 1.03B |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - |
| Operating Income | 73.03M | 22.19M | -103.34M | 32.67M | 2.02B | 666.52M | -689.98M | -278.31M | -242.85M |
| Operating Margin % | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | - | -0.7% | -5.66% | 1.32% | 60.69% | -0.67% | -2.04% | 0.6% | 0.13% |
| Pretax Income | 73.03M | 22.19M | -103.34M | 32.67M | 2.02B | 666.52M | -689.98M | -278.31M | -242.85M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - |
| Income Tax | 772.72K | 509.12K | -475K | -1.75M | 2.25M | 43.37M | -79.59M | -42.8M | -40.7M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - |
| Net Income | 72.26M | 21.68M | 0 | 0 | 0 | 113.52M | -273.02M | -110.14M | -98.33M |
| Net Margin % | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | - | -0.7% | -1% | - | - | - | -3.4% | 0.6% | 0.11% |
| Net Income (Continuing) | 72.26M | 21.68M | -102.87M | 34.42M | 2.01B | 623.15M | -610.38M | -235.51M | -202.15M |
| EPS (Diluted) | 0.49 | 0.07 | -0.70 | 0.27 | 15.93 | 0.83 | -1.75 | -0.63 | -0.53 |
| EPS Growth % | - | -0.86% | -11% | 1.39% | 58% | -0.95% | -3.11% | 0.64% | 0.16% |
| EPS (Basic) | 1.17 | 0.07 | -0.70 | 0.27 | 15.93 | 0.83 | -1.75 | -0.63 | -0.53 |
| Diluted Shares Outstanding | 147.06M | 147.06M | 147.06M | 126.34M | 126.34M | 137.29M | 156.03M | 174.91M | 185.64M |
| Dec 2013 | Dec 2014 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 40.89M | 28.64M | 113.99M | 73.3M | 284.22M | 419.57M | 863.96M | 660.71M | 421.58M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 809.46M | 1.11B | -3.45B | 3.83B | 7.62B | 8.35B | 2.43B | 2.25B | 2.78B |
| Investments Growth % | - | 0.38% | -4.1% | 2.11% | 0.99% | 0.1% | -0.71% | -0.08% | 0.24% |
| Long-Term Investments | 809.46M | 1.11B | -3.45B | 3.83B | 7.62B | 8.35B | 2.43B | 2.25B | 2.78B |
| Accounts Receivables | 1000K | 1000K | 0 | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - |
| Goodwill | 10.88M | 10.88M | 40.7M | 40.7M | 40.7M | 40.74M | 0 | 0 | 0 |
| Intangible Assets | 4.15M | 3.82M | 429.19M | 450.08M | 1.13B | 2.01B | 2.04B | 2B | 1.63B |
| PP&E (Net) | 26.99M | 36.29M | 90.95M | 142.59M | 151.44M | 159.91M | 128.56M | 100.24M | 81.51M |
| Other Assets | 111.48M | 147.94M | 2.78B | 242.04M | 1.45B | 637.27M | 845.47M | 889.42M | 1.19B |
| Total Current Assets | 60.37M | 57.76M | 105.69M | 247M | 499.59M | 616.07M | 1.16B | 912.83M | 655.09M |
| Total Non-Current Assets | 962.97M | 1.31B | 3.33B | 4.71B | 10.39B | 11.2B | 5.45B | 5.24B | 5.69B |
| Total Assets | 1.02B | 1.37B | 2.13B | 4.95B | 10.89B | 11.81B | 6.61B | 6.15B | 6.34B |
| Asset Growth % | - | 0.34% | 0.55% | 1.33% | 1.2% | 0.08% | -0.44% | -0.07% | 0.03% |
| Return on Assets (ROA) | 0.07% | 0.02% | - | - | - | 0.01% | -0.03% | -0.02% | -0.02% |
| Accounts Payable | 0 | 0 | 0 | 88.05M | 151.54M | 181.19M | 226.89M | 168.16M | 187.72M |
| Total Debt | 783.86M | 1.05B | 2.53B | 4.37B | 8.63B | 9.52B | 5.13B | 4.98B | 5.43B |
| Net Debt | 742.97M | 1.02B | 2.41B | 4.3B | 8.34B | 9.1B | 4.27B | 4.32B | 5.01B |
| Long-Term Debt | 80M | 103M | 2.44B | 577.1M | 697.47M | 1.37B | 1.33B | 2.2B | 1.94B |
| Short-Term Debt | 697.76M | 938.62M | 547.89M | 3.68B | 7.84B | 8.08B | 3.75B | 2.73B | 3.45B |
| Other Liabilities | 76.62M | 116.65M | -2.36B | 9.98M | 152.67M | 121.54M | 150.97M | 161.68M | 126.63M |
| Total Current Liabilities | 761.32M | 1.02B | 50.22M | 3.86B | 8.28B | 8.43B | 4.03B | 2.96B | 3.71B |
| Total Non-Current Liabilities | 162.73M | 230.83M | 3.18B | 719.76M | 956.81M | 1.75B | 1.66B | 2.49B | 2.13B |
| Total Liabilities | 924.05M | 1.25B | 3.23B | 4.58B | 9.24B | 10.18B | 5.69B | 5.45B | 5.84B |
| Total Equity | 99.29M | 119.97M | 6.03B | 375.88M | 1.66B | 1.63B | 921.47M | 704.48M | 506.61M |
| Equity Growth % | - | 0.21% | 49.24% | -0.94% | 3.41% | -0.02% | -0.43% | -0.24% | -0.28% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | 0.73% | 0.2% | - | - | - | 0.07% | -0.21% | -0.14% | -0.16% |
| Book Value per Share | 0.68 | 0.82 | 40.98 | 2.98 | 13.11 | 11.87 | 5.91 | 4.03 | 2.73 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - |
| Common Stock | 0 | 0 | 2.67B | 0 | 0 | 312K | 317K | 325K | 332K |
| Additional Paid-in Capital | 1.46M | 1.82M | 17.83M | 0 | 0 | 565.07M | 788.6M | 821.05M | 843.52M |
| Retained Earnings | 97.83M | 118.15M | 210.41M | 0 | 0 | -28.98M | -342.14M | -451.71M | -550.62M |
| Accumulated OCI | 0 | 0 | 348.89M | 0 | 0 | 0 | 0 | 0 | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | -12.85M | -13.28M | -16.49M | -20.34M |
| Preferred Stock | 0 | 0 | 192.58M | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2013 | Dec 2014 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -217.08M | -314.56M | -428.79M | -1.5B | -2.03B | -1.47B | 4.46B | -174.22M | -865.42M |
| Operating CF Growth % | - | -0.45% | -0.36% | -2.49% | -0.36% | 0.28% | 4.04% | -1.04% | -3.97% |
| Net Income | 72.26M | 21.68M | -102.87M | 34.42M | 2.01B | 623.15M | -610.38M | -235.51M | -202.15M |
| Depreciation & Amortization | 5.78M | 11.69M | 36.28M | 61.34M | 60.7M | 58.15M | 62.97M | 55.42M | 47.12M |
| Deferred Taxes | 0 | 0 | 0 | -1.13B | -3.87B | 31.32M | -80.28M | -43.17M | -48.08M |
| Other Non-Cash Items | -290.76M | -367.56M | -231.57M | -521.36M | -381.58M | -2.17B | 5.23B | 43.75M | -722.33M |
| Working Capital Changes | -5.97M | 14.37M | -132.69M | 57.94M | 140.62M | -73.77M | -161.49M | -16.69M | 35.11M |
| Cash from Investing | -34.03M | 44.22M | 503.13M | 141.09M | -27.67M | 296.78M | 667.76M | 165.66M | 495.05M |
| Purchase of Investments | 0 | 0 | 0 | -5K | -750K | -1.11M | -325K | 0 | -225K |
| Sale/Maturity of Investments | 0 | 0 | 0 | 150K | 213K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - | - | - | - | - | - | - |
| Acquisitions | -20.3M | 0 | 0 | 5K | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -2.05M | 62.22M | 543.91M | 153.49M | 6.77M | 349.53M | 703.81M | 180.69M | 515.32M |
| Cash from Financing | 264.35M | 258.09M | -56.94M | 1.36B | 2.43B | 1.3B | -4.77B | -226.09M | 151.74M |
| Dividends Paid | -31.9M | -8.2M | 0 | -7.61M | -643.05M | -463.31M | -119.26M | -2.98M | -3.26M |
| Share Repurchases | 0 | -715K | 0 | 0 | 0 | -12.85M | -430K | -3.21M | -3.85M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K |
| Other Financing | 447.31K | 7.97M | -16.65M | -5.2M | -130.19M | -21.18M | 0 | -5.31M | -13.34M |
| Net Change in Cash | 13.24M | -12.25M | 17.4M | 3.5M | 371.19M | 131.91M | 359.9M | -234.65M | -218.63M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 27.65M | 40.89M | 96.59M | 113.99M | 117.5M | 488.69M | 620.6M | 980.5M | 745.86M |
| Cash at End | 40.89M | 28.64M | 113.99M | 117.5M | 488.69M | 620.6M | 980.5M | 745.86M | 527.22M |
| Interest Paid | 14.69M | 492.69K | 142.7M | 159.75M | 159.99M | 270.47M | 253.73M | 321.63M | 305.52M |
| Income Taxes Paid | 772.72K | 509.12K | 699K | 4.04M | 447K | 3.33M | 26.73M | 0 | 9.02M |
| Free Cash Flow | -228.75M | -332.56M | -469.56M | -1.51B | -2.06B | -1.52B | 4.42B | -194.83M | -891.81M |
| FCF Growth % | - | -0.45% | -0.41% | -2.22% | -0.37% | 0.26% | 3.91% | -1.04% | -3.58% |
| Metric | 2013 | 2014 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 72.78% | 19.78% | - | - | - | 6.91% | -21.41% | -13.55% | -16.24% |
| Return on Assets (ROA) | 7.06% | 1.81% | - | - | - | 1% | -2.96% | -1.73% | -1.57% |
| Net Interest Margin | 0.41% | 0.4% | -1.14% | -0.89% | -0.34% | -0.3% | -1.13% | -2.78% | -2.99% |
| Efficiency Ratio | 73.29% | 90.19% | 96.49% | 84.6% | 48.89% | 74.14% | 119.69% | 96.73% | 92.24% |
| Equity / Assets | 9.7% | 8.75% | 283.41% | 7.59% | 15.21% | 13.79% | 13.94% | 11.45% | 7.99% |
| Book Value / Share | 0.68 | 0.82 | 40.98 | 2.98 | 13.11 | 11.87 | 5.91 | 4.03 | 2.73 |
| NII Growth | - | 30.11% | -540.73% | -81.14% | 17.03% | 2.79% | -110.32% | -128.73% | -10.77% |
| Dividend Payout | 44.15% | 37.83% | - | - | - | 408.12% | - | - | - |
loanDepot, Inc. (LDI) grew revenue by 7.0% over the past year. This is steady growth.
loanDepot, Inc. (LDI) reported a net loss of $73.4M for fiscal year 2024.
Yes, loanDepot, Inc. (LDI) pays a dividend with a yield of 0.66%. This makes it attractive for income-focused investors.
loanDepot, Inc. (LDI) has a return on equity (ROE) of -16.2%. Negative ROE indicates the company is unprofitable.
loanDepot, Inc. (LDI) has a net interest margin (NIM) of -3.0%. NIM has been under pressure due to interest rate environment.
loanDepot, Inc. (LDI) has an efficiency ratio of 92.2%. This is higher than peers, suggesting room for cost optimization.