loanDepot (LDI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

loanDepot

NYSE•Financial Services•Mortgage Finance

$0.94+0.00(<0.01%)Market closed

Market Cap

$161.62M

P/S

0.1x

P/B

0.5x

loanDepot, Inc. engages in originating, financing, selling, and servicing residential mortgage loans in the United States. The company offers conventional agency-conforming and prime jumbo, federal assistance residential mortgage, and home equity lines of credit and closed-end second liens. It also provides title, escrow, and settlement services for mortgage loan transactions; real estate services that cover captive real estate referral business; and insurance services, including services to homeowners, as well as other consumer insurance policies. The company was founded in 2010 and is headquartered in Irvine, California.

How this company scores

WeakMetricSide Score: 28/100

Grade capped at D — Interest coverage below 1× (-0.7x) — earnings cannot cover interest. Strongest: Growth (14/25); weakest: Balance Sheet & Red Flags (1/25).

Profitability7/25

Growth14/25

Balance Sheet & Red Flags1/25

Cash & Earnings Quality6/25

Strengths

Consistent growthImproving margins

Grade capped at D

Interest coverage below 1× (-0.7x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 17.5x5y range 5.7x – 17.5x

P/S · 0.1x5y range 0.1x – 0.6x

Currently below its 19-quarter median.

P/B · 0.5x5y range 0.2x – 1.5x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Red Flag

Free cash flow has been negative in 4 of the last 8 quarters — earnings are not translating to cash.

Price & Volume

Market Cap $161.62M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.26B
Q. Revenue: $337.32M
TTM EBITDA: $-79.47M
TTM Op. Income: $-103.82M
Q. Op. Income: $-6.62M
TTM Net Income: $-69.38M
Q. Net Income: $-4.53M
EPS: $-0.02
Shares Out.: $231.64M

$1.26B in TTM revenue grew 11.4% YoY, reaching $337.32M last quarter. TTM EBITDA of $-79.47M and TTM operating income of $-103.82M show growth is flowing through to the bottom line. However, net income is negative at $69.38M — growth is not yet reaching the bottom line. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: -0.2%
Op. Margin: -2.0%
Net Margin: -1.3%

Op. margin of -2.0% is up 9.5% YoY — cost efficiency is improving. Net margin at -1.3% Over the past year, operating margin is up 83% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: N/A
P/S Ratio: 0.1x
P/B Ratio: 0.5x

P/S of 0.1x and P/B of 0.5x. P/S is low relative to typical market levels.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $6.70B
Cash: $229.13M
Long-Term Debt: $2.13B
Book Value: $333.05M
D/E Ratio: 6.4
Debt/EBITDA: N/A

With $6.70B in assets and $2.13B in long-term debt, D/E is 6.4and book value is $333.05M — elevated leverage, meaning significant financial risk in a downturn. Across the last 8 quarters, debt/equity has risen for 7 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $519.70M
TTM Free Cash Flow: $-276.25M
FCF Margin: -22.0%
FCF / Net Income: 4.0

TTM FCF of $-276.25M on $519.70M in operating cash flow. The FCF / Net Income ratio of 4.0x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.