📊 LDI Key Takeaways
Is loanDepot, Inc. (LDI) a Good Investment?
loanDepot exhibits catastrophic financial deterioration with revenue collapsing 99.1% YoY and the company burning $177M in free cash flow while operating at massive losses. With a debt-to-equity ratio of 6.27x, interest coverage of -0.8x, and minimal equity cushion of $337M against $6.9B in liabilities, the company faces severe solvency risk. At current cash burn rates, the $277M cash balance provides insufficient runway.
Fundamentals are severely distressed: revenue collapsed, margins are deeply negative, leverage is high, and interest coverage is negative, paired with massive cash burn. While the net loss narrowed YoY and cash provides a short-term buffer, solvency and sustainability are in doubt without a rapid rebound in originations and operating efficiency.
loanDepot, Inc. Key Strengths (LDI)
- Cash balance of $277.4M provides near-term liquidity
- Net loss improved 46.8% YoY indicating some stabilization trend
- Total assets of $7.2B represent potential asset base for restructuring
- $337M cash provides short-term liquidity
- Positive book equity remains ($386M)
- Net loss improved 41.7% YoY
LDI Stock Risks: loanDepot, Inc. Investment Risks
- Revenue collapsed 99.1% YoY indicating fundamental business failure or severe market disruption
- Negative operating cash flow of -$169.3M with $177.2M free cash burn unsustainable long-term
- Debt-to-equity ratio of 6.27x is extremely high with inability to cover interest expenses (-0.8x coverage)
- Stockholders equity of only $337.3M against $6.9B liabilities creates insolvency risk
- Operating and net margins of -2038% and -1386% respectively indicate structural unprofitability
- Negative return on equity and assets suggest shareholder value destruction
- Sustained negative operating cash flow and FCF
- High leverage (5.44x D/E) and negative interest coverage
- Revenue collapse and cyclical housing/rate exposure
Key Metrics to Watch
- Quarterly revenue trends and stabilization signals
- Operating cash flow reversion to positive territory
- Debt refinancing risk and covenant compliance
- Equity adequacy relative to leverage obligations
- Operating cash flow and cash balance (liquidity runway)
- Interest coverage (EBIT vs interest expense)
loanDepot, Inc. (LDI) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
LDI Profit Margin, ROE & Profitability Analysis
LDI vs Finance Sector: How loanDepot, Inc. Compares
How loanDepot, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is loanDepot, Inc. Stock Overvalued? LDI Valuation Analysis 2026
Based on fundamental analysis, loanDepot, Inc. shows some fundamental concerns relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
loanDepot, Inc. Balance Sheet: LDI Debt, Cash & Liquidity
LDI Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: loanDepot, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $0.87 reflects profitable operations.
LDI Revenue Growth, EPS Growth & YoY Performance
loanDepot, Inc. Dividends, Buybacks & Capital Allocation
LDI SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for loanDepot, Inc. (CIK: 0001831631)
📋 Recent SEC Filings
❓ Frequently Asked Questions about LDI
What is the AI rating for LDI?
loanDepot, Inc. (LDI) has a Combined AI Grade of D from Claude (D) and ChatGPT (D) with 89% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are LDI's key strengths?
Claude: Cash balance of $277.4M provides near-term liquidity. Net loss improved 46.8% YoY indicating some stabilization trend. ChatGPT: $337M cash provides short-term liquidity. Positive book equity remains ($386M).
What are the risks of investing in LDI?
Claude: Revenue collapsed 99.1% YoY indicating fundamental business failure or severe market disruption. Negative operating cash flow of -$169.3M with $177.2M free cash burn unsustainable long-term. ChatGPT: Sustained negative operating cash flow and FCF. High leverage (5.44x D/E) and negative interest coverage.
What is LDI's revenue and growth?
loanDepot, Inc. reported revenue of $2.7M.
Does LDI pay dividends?
loanDepot, Inc. pays dividends, with $2.5M distributed to shareholders in the trailing twelve months.
Where can I find LDI SEC filings?
Official SEC filings for loanDepot, Inc. (CIK: 0001831631) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is LDI's EPS?
loanDepot, Inc. has a diluted EPS of $-0.36.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is LDI's fundamental grade?
Based on our AI fundamental analysis in June 2026, loanDepot, Inc. has a D grade with 89% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is LDI stock overvalued or undervalued?
Valuation metrics for LDI: ROE of -11.1% (sector avg: 12%), net margin of -1,386.4% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is LDI's AI grade for 2026?
Our dual AI analysis gives loanDepot, Inc. a combined D grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is LDI's free cash flow?
loanDepot, Inc.'s operating cash flow is $-169.3M, with capital expenditures of $7.8M. FCF margin is -6,553.2%.
How does LDI compare to other Finance stocks?
Vs Finance sector averages: Net margin -1,386.4% (avg: 25%), ROE -11.1% (avg: 12%), current ratio N/A (avg: 1.2).
Is loanDepot, Inc. carrying too much debt?
LDI has a debt-to-equity ratio of 6.27x, which is above the Finance sector average of 2x. Combined with a current ratio below 1, this warrants careful monitoring of the balance sheet.