LDI

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loanDepot, Inc. Class A

Cyclical demand Regulated industry Consumer brandTags from an AI model reading the company description.

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Key Metrics

Previous Close: $0.61
52-Week Range: $0.57 – $3.80
Market Cap: $282.30M
P/E (TTM): —
EPS (TTM): -0.31
Dividend Yield: 0.00%

Advanced Metrics

Price/Book: 0.73
PEG Ratio: —
Return on Equity: -26.71%
Return on Assets: -1.60%
Gross Margin: 88.95%
Operating Margin: -2.02%
Profit Margin: -5.50%
Current Ratio: 1.36
Debt/Equity: 18.07
Total Debt: $6.02B
Free Cash Flow: —
Revenue Growth: 9.70%
Earnings Growth: —
Enterprise Value: $5.93B

LDI Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$1.08B	$711.58M	$743.73M	$896.59M
Selling, General & Admin	$1.53B	$918.62M	$937.38M	$965.29M
Pretax Income	-$689.98M	-$278.31M	-$242.85M	-$120.53M
Income Tax	-$79.59M	-$42.80M	-$40.70M	-$13.00M
Net Income	-$273.02M	-$110.14M	-$98.33M	-$62.65M
Diluted EPS	-1.75	-0.63	-0.53	-0.30
Diluted Shares	156.03M	174.91M	185.64M	211.02M

LDI Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$863.96M	$660.71M	$421.58M	$337.23M
Receivables	$160.30M	$106.23M	$82.80M	$61.24M
Total Assets	$6.61B	$6.15B	$6.34B	$6.86B
Long-Term Debt	$1.33B	$2.20B	$1.94B	$2.02B
Total Debt	$4.50B	$4.19B	$4.36B	$4.96B
Total Liabilities	$5.69B	$5.45B	$5.84B	$6.47B
Retained Earnings	-$342.14M	-$451.71M	-$550.62M	-$614.40M
Shareholders' Equity	$433.50M	$353.18M	$272.89M	$234.51M
Net Debt	$3.57B	$3.48B	$3.90B	$4.59B

LDI Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$4.46B	-$174.22M	-$858.31M	-$707.51M
Capital Expenditure	-$43.21M	-$20.61M	-$26.39M	-$27.10M
Free Cash Flow	$4.42B	-$194.83M	-$884.69M	-$734.61M
Depreciation & Amortisation	$62.97M	$55.42M	$47.12M	$36.62M
Stock-Based Compensation	$20.58M	$21.99M	$24.92M	$12.22M
Investing Cash Flow	$667.76M	$165.66M	$487.94M	$14.51M
Financing Cash Flow	-$4.77B	-$226.09M	$151.74M	$566.80M
Dividends Paid	-$119.26M	-$2.98M	-$3.26M	-$2.47M
Share Repurchases	-$430.00K	-$3.21M	-$3.85M	-$9.29M
Net Change in Cash	$359.90M	-$234.65M	-$218.63M	-$126.20M

LDI Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$198.65M	$213.53M	$247.41M	$237.00M	$210.34M	$261.35M
Selling, General & Admin	$232.54M	$231.72M	$244.20M	$256.82M	$251.25M	$254.95M
Pretax Income	-$46.10M	-$32.33M	-$10.29M	-$31.80M	-$55.11M	-$6.62M
Income Tax	-$5.41M	-$7.06M	-$1.55M	$1.02M	-$171.00K	$5.00K
Net Income	-$21.90M	-$13.39M	-$4.88M	-$22.48M	-$37.49M	-$4.53M
Diluted EPS	-0.11	-0.06	-0.02	-0.10	-0.16	-0.02
Diluted Shares	200.79M	207.95M	211.44M	223.76M	228.96M	231.64M

LDI Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$371.48M	$408.62M	$459.16M	$337.23M	$277.42M	$229.13M
Receivables	—	—	—	$61.24M	—	—
Total Assets	$6.42B	$6.21B	$6.24B	$6.86B	$7.25B	$6.70B
Long-Term Debt	$1.94B	$1.98B	$2.01B	$2.02B	$1.96B	$1.98B
Total Debt	$4.46B	$4.43B	$4.43B	$4.96B	$5.09B	$4.53B
Total Liabilities	$5.95B	$5.77B	$5.81B	$6.47B	$6.91B	$6.36B
Retained Earnings	-$573.59M	-$587.52M	-$592.38M	-$614.40M	-$651.75M	-$656.24M
Shareholders' Equity	$261.57M	$272.16M	$259.37M	$234.51M	$204.27M	$201.03M
Net Debt	$4.06B	$3.99B	$3.93B	$4.59B	$4.78B	$4.27B

LDI Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	-$176.75M	$70.60M	$37.30M	-$638.66M	-$169.35M	$519.70M
Capital Expenditure	-$6.80M	-$6.23M	-$4.73M	-$9.34M	-$7.85M	-$9.44M
Free Cash Flow	-$183.55M	$64.37M	$32.57M	-$648.00M	-$177.20M	$510.27M
Depreciation & Amortisation	$10.47M	$9.11M	$9.15M	$7.89M	$8.82M	$8.50M
Stock-Based Compensation	$5.72M	-$2.26M	$3.60M	$5.16M	$6.39M	$5.28M
Investing Cash Flow	-$344.00K	$5.75M	$17.49M	-$8.38M	-$4.78M	-$3.31M
Financing Cash Flow	$95.60M	-$43.98M	-$7.02M	$522.19M	$130.29M	-$573.74M
Dividends Paid	-$2.08M	-$1.08M	$5.00K	$687.00K	—	—
Share Repurchases	-$635.00K	-$1.61M	-$6.39M	-$655.00K	-$71.00K	-$2.35M
Net Change in Cash	-$81.49M	$32.37M	$47.77M	-$124.85M	-$43.83M	-$57.34M

Market Snapshot

About

loanDepot is a digital mortgage lending company offering home purchase loans, refinancing, and other lending products through both online and retail channels. The company utilizes proprietary technology platform mello to streamline the lending process for consumers. loanDepot operates as a non-bank lender serving customers across the United States.