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loanDepot, Inc.

LDI Financial Mortgage Finance

loanDepot, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.2 billion, up 12.2% from fiscal 2024.

Revenue
+19.4%
EPS
+66.7%
Free cash flow
+589.1%
Total debt
+11.6%

Quarter to June 2026, against a year earlier

0.64 0.01 +1.59%
Market cap
$211.5M
P/E
0.0×
Fwd P/E
−3.0×
Dividend yield
—
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.91
Sold, $m 9.31
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — 3 — — —
Sell 5 1 — — — — — — — — — —
Insider Ownership 53.62%

Capital & Financial Ratios $m

Size
Market Cap 211.52
Revenue ttm 1,257.29
Net income ttm (103.12)
Free cash flow ttm (255.75)
Net debt Q 5,675.90
Valuation
P/E 0.00
Forward P/E (3.00) (negative: loss-making)
Price / sales 0.11
Forward P/S Powerpack
Price / FCF 0.00
Price / book 0.43
Financial health
Current ratio Q 1.11
Debt / equity Q 17.94
Interest coverage Q 0.84
Growth
Revenue growth Q +19.39% (above 0%: growing)
Operating income growth Q +202.18% (above 0%: growing)
EPS, this year −20.28% (below 0%: weak)
EPS, next year A +58.76% (at or above 15%: strong)
Revenue, next year A +3.72%
EPS, past 5 yrs —
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 6.80%
10-year low 10-year high
P/B against its own 10 years 33.70%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—
Growth, 2021–25
−100.0%/yr
  1. 0.24 ’21
  2. 0.08 ’22 −67
  3. 0.00 ’23 −100
  4. 0.00 ’24
  5. 0.00 ’25
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 746 527 401 300
Receivables — — — —
Inventory — — — —
Other 2,226 2,765 3,318 2,809
2,972 3,292 3,719 3,108
2023 2024 2025 Q'26
Payables 380 379 349 347
ST’ Debt 1,947 2,377 2,903 2,444
Other 85 25 11 6
2,412 2,782 3,263 2,797

Compound Annual Growth %

10y 5y 3y
Sales — (22.71%) (1.79%)
Cash Flow — 0.00% 0.00%
Earnings — 0.00% 0.00%
Book Value — (25.27%) (25.18%)

Earnings Trends EPS, adjusted, against the consensus

Q2 FY26 Estimate 0.03 Actual −0.09

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY25 −0.04 −0.01 Beat by 0.03
Q4 FY25 −0.04 −0.10 Miss by 0.06
Q1 FY26 −0.06 −0.15 Miss by 0.09
Q2 FY26 0.03 −0.09 Miss by 0.12
Q3 FY26 0.05 — Reports 9 November 2026

EPS $

Mar Jun Sep Dec Year
’26 (0.16) (0.02) — — —
’25 (0.11) (0.06) (0.02) (0.10) (0.30)
’24 (0.19) (0.18) 0.01 (0.17) (0.53)
’23 (0.25) (0.13) (0.09) (0.16) (0.63)
’22 (0.25) (0.66) (0.37) (0.46) (1.75)
’21 0.36 0.07 5.77 0.05 0.87
’18 — — — — (0.87)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 286 337 — — —
’25 274 283 323 310 1,190
’24 223 265 315 257 1,060
’23 208 272 266 229 974
’22 503 309 274 170 1,256
’21 1,316 780 924 705 3,725
’20 486 1,159 1,369 1,298 4,312
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (169) 520 — — —
’25 (177) 71 37 (639) (708)
’24 (279) (278) (349) 48 (858)
’23 205 (337) 163 (205) (174)
’22 1,148 1,522 1,744 46 4,461
’21 (1,878) (392) 211 593 (1,466)
’20 166 544 (1,128) (1,613) (2,031)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (176) 515 — — —
’25 (178) 75 44 (639) (699)
’24 (227) 153 (381) 78 (376)
’23 211 (258) 232 (200) (14)
’22 1,438 1,592 2,037 54 5,121
’21 (1,891) (232) 354 599 (1,170)
’20 168 538 (1,138) (1,626) (2,058)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — 1,644 1,114 1,337 4,312 3,725 1,256 974 1,060 1,190 1,257 (4.0%) 1,234 1,282 1,503 +8.1%
Gross margin, % — 0.00 84.59 87.13 94.30 91.12 83.34 87.85 86.70 87.93 87.54 +87.9 pt
EBT — 30 (103) 33 2,015 667 (690) (278) (243) (121) (104) n/m
EBT margin, % — 1.82 (9.27) 2.44 46.74 17.89 (54.94) (28.57) (22.91) (10.13) (8.26) (11.9) pt
Net income — 0 (103) 34 2,013 623 (610) (236) (202) (108) (103) n/m
Per share, $
Per share, $ Revenue — 13.05 8.84 10.61 34.22 28.65 8.05 5.57 5.71 5.64 5.43 (10.0%)
Earnings — 0.17 (0.87) — — 0.87 (1.75) (0.63) (0.53) (0.30) (0.30) n/m
Cash flow — (3.83) (3.40) (11.88) (16.12) (11.27) 28.59 (1.00) (4.62) (3.35) (1.08) (1.6%)
Capex — 0.00 3.05 1.12 (0.22) 2.27 4.23 0.92 2.60 0.04 (0.02) n/m
Free cash flow — (3.83) (0.35) (10.77) (16.33) (9.00) 32.82 (0.08) (2.03) (3.31) (1.10) (1.8%)
Book value — 0.00 0.00 2.98 13.15 12.53 5.91 4.03 2.73 1.83 1.44 n/m
Shares, m — 126 126 126 126 130 156 175 186 211 221 +6.7%
Valuation, ×
Valuation, × P/E — 1.03 1.03 1.03 1.03 5.39 0.00 0.00 0.00 0.00 0.00 1.1
P/S — 0.64 0.64 0.64 0.64 0.17 0.20 0.61 0.36 0.37 0.11 0.5
P/B — 1.67 1.67 1.67 1.67 0.38 0.28 0.84 0.75 1.13 0.43 1.1
EV/Sales — 2.51 2.51 2.51 2.51 2.54 3.46 4.91 4.95 5.14 — 3.4
EV/FCF — (5.26) (5.26) (5.26) (5.26) (8.08) 0.85 (338.14) (13.95) (8.75) — (43.2)
Cash, $m
Cash, $m Operating cash flow — (482) (429) (1,497) (2,031) (1,466) 4,461 (174) (858) (708) (251) +4.9%
Capex — (40) 384 141 (27) 295 661 160 482 9 (5) n/m
Free cash flow — (482) (44) (1,356) (2,058) (1,170) 5,121 (14) (376) (699) (256) +4.7%
Balance, $m
Balance, $m Working capital — — — — 1,038 889 691 560 510 456 312 (15.2%)
Net debt — — 2,591 4,173 8,047 8,828 4,090 4,187 4,873 5,676 5,676 +11.9%
Shareholders’ equity — — — 376 1,657 1,629 921 704 507 386 333 +0.4%
Returns, %
Returns, % ROA — 0.00 0.00 0.00 0.00 1.00 (2.96) (1.73) (1.57) (0.95) (1.08) (0.9) pt
ROIC — — (1.49) 1.02 13.29 4.46 (7.06) (1.33) (0.63) 0.56 0.72 +2.1 pt
ROE — 0.00 0.00 0.00 0.00 6.91 (21.41) (13.55) (16.24) (14.04) (17.97) (14.0) pt
People
People Employees — — — — 11,763 13,533 6,127 4,250 4,900 5,660 — (13.6%)
Revenue/emp, $m — 0.00 0.00 0.00 0.37 0.28 0.20 0.23 0.22 0.21 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

loanDepot, Inc. vs peers in Mortgage Finance (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
WD Walker & Dunlop, Inc. $1.4B — (loss-making) 35.2× −11.62% (below 0%: shrinking) n/m +175.64% (above 0%: growing) 44.82% (10.67%) Compare
VEL Velocity Financial, Inc. $689.0M 6.3× 12.1× +34.05% (above 0%: growing) +3.03% (above 0%: growing) −152.77% (below 0%: shrinking) 0.00% 0.00% Compare
BETR Better Home & Finance Holding Company $360.6M — (loss-making) — (loss-making) +25.81% (above 0%: growing) n/m +136.12% (above 0%: growing) 89.80% 0.00% Compare
ONIT Onity Group Inc. $269.2M 2.0× 13.2× −0.78% (below 0%: shrinking) −80.82% (below 0%: shrinking) +306.19% (above 0%: growing) 100.00% 0.00% Compare
LDI loanDepot, Inc. $211.5M — (loss-making) — (loss-making) +19.39% (above 0%: growing) n/m +589.11% (above 0%: growing) 87.77% 10.45%
GHI Greystone Housing Impact Investors LP $103.1M — (loss-making) 3.2× −7.10% (below 0%: shrinking) n/m −92.85% (below 0%: shrinking) 93.66% 60.90% Compare
IOR Income Opportunity Realty Investors, Inc. $72.7M 20.1× 13.8× +534.29% (above 0%: growing) −29.17% (below 0%: shrinking) +155.56% (above 0%: growing) 0.00% 0.00% Compare
BLNE Beeline Holdings, Inc. $21.2M — (loss-making) 6.1× +56.62% (above 0%: growing) n/m +146.53% (above 0%: growing) 100.00% (171.05%) Compare
PTIV Pineapple Financial Inc. $19.2M — (loss-making) — (loss-making) −16.66% (below 0%: shrinking) n/m −914.00% (below 0%: shrinking) 100.00% 4,077.43% Compare
Median of peers $186.1M 6.3× 12.6× +12.52% −29.17% +141.33% 91.73% 0.00%

All 13 Mortgage Finance stocks →

loanDepot, Inc. (LDI) Latest News

29 Oct

Impact 4 · · Business Wire

12 Oct

Impact 4 · · Business Wire

14 Sep

Impact 3 ·

5 Aug

Impact 4 ·
Impact 3 · · MarketBeat transcript

4 Aug

Impact 3 ·

15 Jul

Impact 3 ·

11 May

Impact 4 · · MarketBeat

6 May

Impact 4 · · Moby

5 May

Impact 4 · · Business Wire

8 Apr

Impact 3 · · Business Wire

11 Mar

Impact 4 · · Moby

10 Mar

Impact 4 · · MarketBeat
Impact 4 · · Zacks
Impact 4 · · Associated Press Finance
Impact 4 · · Business Wire
Impact 3 · · GuruFocus.com

9 Mar

Impact 4 · · Business Wire

19 Feb

Impact 4 · · Simply Wall St.

5 Feb

Impact 4 · · Simply Wall St.

18 Jan

Impact 3 · · Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.

9 Jan

Impact 3 · · Bloomberg

8 Jan

Impact 4 · · Bloomberg

7 Jan

Impact 4 · · Investing.com

6 Jan

Impact 3 · · Simply Wall St.

25 Dec

Impact 4 · · Simply Wall St.

10 Dec

Impact 4 · · Simply Wall St.

5 Dec

Impact 4 · · Insider Monkey

25 Nov

Impact 4 · · Simply Wall St.

13 Nov

Impact 3 · · Simply Wall St.
stockrow.com/LDI · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com