LOANDEPOT INC -CLASS A (LDI)
US53946R1068 - Common Stock
Overall LDI gets a fundamental rating of 2 out of 10. We evaluated LDI against 100 industry peers in the Financial Services industry. LDI may be in some trouble as it scores bad on both profitability and health. LDI has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year LDI has reported negative net income.
In the past year LDI has reported a negative cash flow from operations.
In the past 5 years LDI reported 4 times negative net income.
LDI had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of -1.86%, LDI is doing worse than 82.00% of the companies in the same industry.
Looking at the Return On Equity, with a value of -37.33%, LDI is doing worse than 89.00% of the companies in the same industry.
LDI has a Return On Invested Capital (2.52%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.86% | ||
| ROE | -37.33% | ||
| ROIC | 2.52% |
ROA(3y)-1.65%
ROA(5y)-0.99%
ROE(3y)-24.19%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Operating Margin value of 11.26%, LDI perfoms like the industry average, outperforming 45.00% of the companies in the same industry.
In the last couple of years the Operating Margin of LDI has declined.
With an excellent Gross Margin value of 81.29%, LDI belongs to the best of the industry, outperforming 89.00% of the companies in the same industry.
LDI's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.26% | ||
| PM (TTM) | N/A | ||
| GM | 81.29% |
OM growth 3Y-49.47%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-3.85%
GM growth 5Y0.32%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so LDI is destroying value.
The number of shares outstanding for LDI has been increased compared to 1 year ago.
The number of shares outstanding for LDI has been reduced compared to 5 years ago.
LDI has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -0.29, we must say that LDI is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.29, LDI is doing worse than 70.00% of the companies in the same industry.
A Debt/Equity ratio of 11.23 is on the high side and indicates that LDI has dependencies on debt financing.
LDI's Debt to Equity ratio of 11.23 is on the low side compared to the rest of the industry. LDI is outperformed by 91.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.23 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.29 |
ROIC/WACC0.34
WACC7.39%
2.3 Liquidity
LDI has a Current Ratio of 0.22. This is a bad value and indicates that LDI is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of LDI (0.22) is worse than 72.00% of its industry peers.
LDI has a Quick Ratio of 0.22. This is a bad value and indicates that LDI is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.22, LDI is doing worse than 72.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.22 | ||
| Quick Ratio | 0.22 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 68.06% over the past year.
The Revenue for LDI has decreased by -19.52% in the past year. This is quite bad
LDI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 0.28% yearly.
EPS 1Y (TTM)68.06%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%125%
Revenue 1Y (TTM)-19.52%
Revenue growth 3Y-35.17%
Revenue growth 5Y0.28%
Sales Q2Q%18.42%
3.2 Future
LDI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 40.13% yearly.
LDI is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.33% yearly.
EPS Next Y59.6%
EPS Next 2Y57.2%
EPS Next 3Y40.13%
EPS Next 5YN/A
Revenue Next Year7.91%
Revenue Next 2Y15.28%
Revenue Next 3Y13.33%
Revenue Next 5YN/A
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
LDI reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
A Price/Forward Earnings ratio of 10.99 indicates a reasonable valuation of LDI.
LDI's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.82. LDI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.99 |
4.2 Price Multiples
LDI's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. LDI is cheaper than 68.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 11.66 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as LDI's earnings are expected to grow with 40.13% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y57.2%
EPS Next 3Y40.13%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 18.93%, LDI is a good candidate for dividend investing.
In the last 3 months the price of LDI has falen by -24.35%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
LDI's Dividend Yield is rather good when compared to the industry average which is at 3.55. LDI pays more dividend than 100.00% of the companies in the same industry.
LDI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 18.93% |
5.2 History
LDI does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
LDI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-2.41%
EPS Next 2Y57.2%
EPS Next 3Y40.13%
LOANDEPOT INC -CLASS A
NYSE:LDI (11/21/2024, 8:04:00 PM)
After market: 2.2516 -0.08 (-3.36%)2.33
+0.06 (+2.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap760.81M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 18.93% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.99 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.86% | ||
| ROE | -37.33% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 11.26% | ||
| PM (TTM) | N/A | ||
| GM | 81.29% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 11.23 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 0.22 | ||
| Quick Ratio | 0.22 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)68.06%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y59.6%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-19.52%
Revenue growth 3Y-35.17%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y