📊 LDI Key Takeaways
Is LDI a Good Investment? Thesis Analysis
loanDepot is in severe financial distress with a catastrophic 99.1% YoY revenue collapse, deeply negative profitability (net margin -609.7%), and massive operating cash burn of -$707.5M. The company's 5.44x debt/equity leverage combined with negative interest coverage indicates inability to service debt from operations, creating imminent liquidity crisis risk.
Why Buy LDI? Key Strengths
- Maintains $337.2M in cash providing short-term liquidity buffer
- Positive stockholders' equity of $386.0M, though deteriorating
- Net loss improved 41.7% YoY, suggesting some stabilization efforts underway
LDI Investment Risks to Consider
- Revenue collapsed 99.1% YoY indicating structural business failure, not cyclical downturn
- Operating cash flow of -$707.5M with cash runway of approximately 6 months at current burn rate
- Negative interest coverage ratio (-1.8x) means company cannot service $2.1B debt from operations
- Extreme negative operating margin (-1173.1%) demonstrates fundamental unprofitability at core business
- High financial leverage (5.44x debt/equity) with deteriorating equity base increases bankruptcy risk
Key Metrics to Watch
- Quarterly cash balance and operating cash burn rate - critical for survival timeline
- Revenue trends and stabilization - assess if 99% decline was one-time or ongoing collapse
- Debt covenant compliance and refinancing ability - determine restructuring/bankruptcy probability
LDI Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
LDI Profitability Ratios
LDI vs Finance Sector
How loanDepot, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is LDI Overvalued or Undervalued?
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.
LDI Balance Sheet & Liquidity
LDI 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
LDI Capital Allocation
LDI SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for loanDepot, Inc. (CIK: 0001831631)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 18, 2026 | 4 | xslF345X06/wk-form4_1773866919.xml | View → |
| Mar 18, 2026 | 4 | xslF345X06/wk-form4_1773866723.xml | View → |
| Mar 18, 2026 | 4 | xslF345X06/wk-form4_1773866504.xml | View → |
| Mar 18, 2026 | 4 | xslF345X06/wk-form4_1773866333.xml | View → |
| Mar 18, 2026 | 4 | xslF345X06/wk-form4_1773866166.xml | View → |
❓ Frequently Asked Questions about LDI
What is the AI rating for LDI?
loanDepot, Inc. (LDI) has an AI rating of STRONG SELL with 95% confidence, based on fundamental analysis of SEC EDGAR filings.
What are LDI's key strengths?
Claude: Maintains $337.2M in cash providing short-term liquidity buffer. Positive stockholders' equity of $386.0M, though deteriorating.
What are the risks of investing in LDI?
Claude: Revenue collapsed 99.1% YoY indicating structural business failure, not cyclical downturn. Operating cash flow of -$707.5M with cash runway of approximately 6 months at current burn rate.
What is LDI's revenue and growth?
loanDepot, Inc. reported revenue of $10.3M.
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 rating reflects both perspectives for balanced insights.
Is LDI a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, loanDepot, Inc. has a STRONG SELL rating with 95% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is LDI stock overvalued or undervalued?
Valuation metrics for LDI: ROE of -16.2% (sector avg: 12%), net margin of -609.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy LDI stock in 2026?
Our dual AI analysis gives loanDepot, Inc. a combined STRONG SELL rating 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 $-707.5M, with capital expenditures of $27.1M. FCF margin is -7,149.5%.
How does LDI compare to other Finance stocks?
Vs Finance sector averages: Net margin -609.7% (avg: 25%), ROE -16.2% (avg: 12%), current ratio N/A (avg: 1.2).