loanDepot, Inc. (LDI) Financial Ratios
13 years of historical data (2013–2025) · Financial Services · Financial - Mortgages
EV/EBITDA
↑
22.20
↑+24% vs avg
5yr avg: 17.93
30Y Low13.5·High22.4
P/FCF
N/A
—
5yr avg: 0.06
30Y Low0.1·High0.1
P/B Ratio
↑
0.64
-7% vs avg
5yr avg: 0.69
30Y Low0.3·High1.1
ROE
↓
-14.0%
↑-20% vs avg
5yr avg: -11.7%
30Y Low-21%·High73%
Debt/EBITDA
↑
21.96
↑+25% vs avg
5yr avg: 17.55
30Y Low4.2·High46.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
LDI Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
loanDepot, Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2014 | FY 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $392M | $437M | $379M | $616M | $257M | $659M | — | — | — | — | — |
| Enterprise Value | $5.1B | $5.1B | $5.4B | $4.9B | $4.5B | $9.8B | — | — | — | — | — |
| P/E Ratio → | -3.90 | — | — | — | — | 5.78 | — | — | — | — | — |
| P/S Ratio | 0.26 | 0.28 | 0.34 | 0.59 | 0.18 | 0.18 | — | — | — | — | — |
| P/B Ratio | 0.64 | 1.13 | 0.75 | 0.87 | 0.28 | 0.40 | — | — | — | — | — |
| P/FCF | — | — | — | — | 0.06 | — | — | — | — | — | — |
| P/OCF | — | — | — | — | 0.06 | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
LDI EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
loanDepot, Inc.'s enterprise value stands at 22.2x EBITDA, 24% above its 5-year average of 17.9x. The Financial Services sector median is 11.4x, placing the stock at a 95% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2014 | FY 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.34 | 4.83 | 4.73 | 3.20 | 2.60 | — | — | — | — | — |
| EV / EBITDA | 22.20 | 22.39 | — | — | — | 13.47 | — | — | — | — | — |
| EV / EBIT | 25.06 | 25.28 | — | — | — | 14.64 | — | — | — | — | — |
| EV / FCF | — | — | — | — | 1.02 | — | — | — | — | — | — |
LDI Profitability
Margins and return-on-capital ratios measuring operating efficiency
loanDepot, Inc. earns an operating margin of 13.2%, below the Financial Services sector average of 20.3%. Operating margins have expanded from -26.7% to 13.2% over the past 3 years, signaling improving operational efficiency. A negative ROE of -14.0% indicates the company is currently destroying shareholder equity. ROIC of 2.7% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2014 | FY 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 88.3% | 88.3% | 70.5% | 70.1% | 70.8% | 91.9% | 95.3% | 87.0% | 87.4% | 94.4% | 95.5% |
| Operating Margin | 13.2% | 13.2% | -21.7% | -26.7% | -48.9% | 17.7% | 46.4% | 2.4% | -9.1% | 4.3% | 22.2% |
| Net Profit Margin | -4.1% | -4.1% | -8.8% | -10.6% | -19.3% | 3.0% | — | — | — | 4.2% | 22.0% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2014 | FY 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -14.0% | -14.0% | -16.2% | -13.5% | -21.4% | 6.9% | — | — | — | 19.8% | 72.8% |
| ROA | -0.9% | -0.9% | -1.6% | -1.7% | -3.0% | 1.0% | — | — | — | 1.8% | 7.1% |
| ROIC | 2.7% | 2.7% | -3.1% | -3.6% | -6.0% | 4.7% | 20.1% | 0.4% | -1.6% | 1.6% | 6.2% |
| ROCE | 6.2% | 6.2% | -8.3% | -9.6% | -23.1% | 22.2% | 108.7% | 2.1% | -8.5% | 7.2% | 27.9% |
LDI Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
loanDepot, Inc. carries a Debt/EBITDA ratio of 22.0x, which is highly leveraged (415% above the sector average of 4.3x). Net debt stands at $4.7B ($5.0B total debt minus $337M cash). Interest coverage of just 0.6x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2014 | FY 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 13.05 | 13.05 | 10.72 | 7.07 | 5.57 | 5.84 | 5.21 | 11.63 | 0.42 | 8.78 | 7.90 |
| Debt / EBITDA | 21.96 | 21.96 | — | — | — | 13.14 | 4.15 | 46.49 | — | 31.07 | 9.95 |
| Net Debt / Equity | — | 12.18 | 9.89 | 6.13 | 4.63 | 5.59 | 5.04 | 11.43 | 0.40 | 8.54 | 7.48 |
| Net Debt / EBITDA | 20.49 | 20.49 | — | — | — | 12.56 | 4.02 | 45.71 | — | 30.22 | 9.43 |
| Debt / FCF | — | — | — | — | 0.97 | — | — | — | — | — | — |
| Interest Coverage | 0.63 | 0.63 | -0.72 | -0.91 | -2.51 | 2.24 | 11.23 | 0.19 | -0.71 | 0.77 | 4.98 |
LDI Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.12x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.31x to 0.12x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2014 | FY 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.12 | 0.12 | 0.18 | 0.31 | 0.29 | 0.07 | 0.06 | 0.06 | 2.10 | 0.06 | 0.08 |
| Quick Ratio | 0.12 | 0.12 | 0.18 | 0.31 | 0.29 | 0.07 | 0.06 | 0.06 | 2.10 | 0.06 | 0.08 |
| Cash Ratio | 0.12 | 0.12 | 0.11 | 0.22 | 0.21 | 0.05 | 0.03 | 0.02 | 2.27 | 0.03 | 0.05 |
| Asset Turnover | — | 0.22 | 0.18 | 0.17 | 0.21 | 0.32 | 0.40 | 0.28 | 0.53 | 0.38 | 0.32 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
LDI Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
loanDepot, Inc. returns 3.4% to shareholders annually — split between a 1.0% dividend yield and 2.4% buyback yield.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2014 | FY 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.0% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | 408.1% | — | — | — | 37.8% | 44.2% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2014 | FY 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — | 17.3% | — | — | — | — | — |
| FCF Yield | — | — | — | — | 1715.9% | — | — | — | — | — | — |
| Buyback Yield | 2.4% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 3.4% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $211M | $186M | $175M | $156M | $137M | $126M | $126M | $147M | $147M | $147M |
Peer Comparison
Compare LDI with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 LDIYou | $392M | -3.9 | 22.2 | — | 88.3% | 13.2% | -14.0% | 2.7% | 22.0 |
 RKT | $41B | -524.4 | 42.7 | — | 91.6% | 8.7% | -0.4% | 2.0% | — |
 UWMC | $345M | 18.5 | 7.6 | — | 85.6% | 58.0% | 1.5% | 8.9% | 7.7 |
 PFSI | $4B | 8.9 | 17.9 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
 GHLD | $439M | 12.8 | 21.4 | — | 90.6% | 10.1% | 8.0% | 2.4% | 19.4 |
 WAL | $9B | 9.1 | 9.7 | — | 61.1% | 22.9% | 13.2% | 6.5% | 5.4 |
 TREE | $541M | 3.6 | 8.6 | 8.9 | 94.3% | 7.3% | 76.5% | 9.0% | 4.2 |
 ICE | $76B | 23.2 | 14.8 | 17.7 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
 FAF | $7B | 11.4 | 7.2 | 9.2 | 95.6% | 11.1% | 11.9% | 10.7% | 1.8 |
 FNF | $13B | 21.2 | 6.6 | 2.0 | 98.2% | 9.9% | 6.9% | 10.1% | 2.1 |
 ESNT | $5B | 8.5 | 7.0 | 6.3 | 88.2% | 65.2% | 12.1% | 10.2% | 0.6 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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LDI — Frequently Asked Questions
Quick answers to the most common questions about buying LDI stock.
What is loanDepot, Inc.'s P/E ratio?
loanDepot, Inc.'s current P/E ratio is -3.9x. The historical average is 5.8x.
What is loanDepot, Inc.'s EV/EBITDA?
loanDepot, Inc.'s current EV/EBITDA is 22.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 17.9x.
What is loanDepot, Inc.'s ROE?
loanDepot, Inc.'s return on equity (ROE) is -14.0%. The historical average is 4.9%.
Is LDI stock overvalued?
Based on historical data, loanDepot, Inc. is trading at a P/E of -3.9x. Compare with industry peers and growth rates for a complete picture.
What is loanDepot, Inc.'s dividend yield?
loanDepot, Inc.'s current dividend yield is 1.00%.
What are loanDepot, Inc.'s profit margins?
loanDepot, Inc. has 88.3% gross margin and 13.2% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does loanDepot, Inc. have?
loanDepot, Inc.'s Debt/EBITDA ratio is 22.0x, indicating high leverage. A ratio above 4x may signal elevated financial risk.