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loanDepot (LDI) Financials

loanDepot logo
$1.01 +0.05 (+4.91%)
Closing price 07/24/2026 03:59 PM Eastern
Extended Trading
$1.01 0.00 (0.00%)
As of 07/24/2026 07:34 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for loanDepot

Annual Income Statements for loanDepot

This table shows loanDepot's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 0.00 0.00 114 -273 -110 -98 -63
Consolidated Net Income / (Loss)		 34 2,013 623 -610 -236 -202 -108
Net Income / (Loss) Continuing Operations		 34 2,013 623 -610 -236 -202 -108
Total Pre-Tax Income 		33 2,015 667 -690 -278 -243 -121
Total Operating Income		 195 2,052 1,174 -294 -221 238 -39
Total Gross Profit		 734 2,818 2,302 501 458 752 630
Total Revenue		 1,500 4,349 4,232 1,528 1,031 1,353 1,272
Operating Revenue		 1,500 4,349 4,232 1,528 1,031 1,353 1,272
Total Cost of Revenue		 765 1,531 1,930 1,027 573 600 642
Operating Cost of Revenue		 765 1,531 1,930 1,027 573 600 642
Total Operating Expenses		 539 765 1,128 795 679 514 669
Selling, General & Admin Expense		 100 172 215 266 213 204 177
Marketing Expense		 188 264 468 237 133 133 147
Depreciation Expense		 37 36 36 42 41 36 26
Other Operating Expenses / (Income)		 213 294 410 209 292 141 319
Total Other Income / (Expense), net		 -163 -37 -507 -396 -57 -481 -82
Interest Expense		 130 131 218 275 130 336 149
Other Income / (Expense), net		 -32 94 -289 -121 73 -145 67
Income Tax Expense		 -1.75 2.25 43 -80 -43 -41 -13
Net Income / (Loss) Attributable to Noncontrolling Interest		 34 2,013 510 -337 -125 -104 -45
Basic Earnings per Share		 $0.00 $0.00 $0.87 ($1.75) ($0.63) ($0.53) ($0.30)
Weighted Average Basic Shares Outstanding		 0.00 0.00 130.00M 156.03M 174.91M 185.64M 211.02M
Diluted Earnings per Share		 $0.00 $0.00 $0.87 ($1.75) ($0.63) ($0.53) ($0.30)
Weighted Average Diluted Shares Outstanding		 0.00 0.00 130.00M 156.03M 174.91M 185.64M 211.02M
Weighted Average Basic & Diluted Shares Outstanding		 - - 310.93M 316.46M 323.09M 328.28M 335.03M

Quarterly Income Statements for loanDepot

This table shows loanDepot's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 -17 -27 -34 -32 1.37 -33 -22 -13 -4.88 -22 -37
Consolidated Net Income / (Loss)		 -34 -60 -72 -66 2.67 -67 -41 -25 -8.73 -33 -55
Net Income / (Loss) Continuing Operations		 -34 -60 -72 -66 2.67 -67 -41 -25 -8.73 -33 -55
Total Pre-Tax Income 		-39 -74 -85 -77 3.60 -84 -46 -32 -10 -32 -55
Total Operating Income		 33 119 -8.23 19 100 127 27 59 73 -198 46
Total Gross Profit		 197 114 165 221 249 117 196 220 245 -32 212
Total Revenue		 266 470 223 265 315 550 274 283 323 392 286
Operating Revenue		 338 247 300 362 411 280 346 374 406 144 387
Total Cost of Revenue		 141 133 134 141 161 164 150 154 161 176 175
Operating Cost of Revenue		 141 133 134 141 161 164 150 154 161 176 175
Total Operating Expenses		 164 -4.29 174 202 150 -11 170 161 172 166 166
Selling, General & Admin Expense		 47 55 58 73 23 50 44 40 45 48 47
Marketing Expense		 34 28 28 31 36 37 38 38 38 33 29
Depreciation Expense		 11 9.92 9.44 8.96 8.93 8.78 7.67 6.38 6.73 5.45 6.34
Other Operating Expenses / (Income)		 73 -98 78 88 81 -107 80 77 83 80 84
Total Other Income / (Expense), net		 -72 -192 -77 -96 -96 -211 -73 -92 -83 166 -101
Interest Expense		 37 208 32 36 39 229 32 39 37 41 37
Other Income / (Expense), net		 -36 15 -45 -61 -57 18 -41 -52 -46 206 -64
Income Tax Expense		 -5.21 -14 -14 -11 0.92 -17 -5.41 -7.06 -1.56 1.02 -0.17
Net Income / (Loss) Attributable to Noncontrolling Interest		 -18 -33 -37 -34 1.30 -34 -19 -12 -3.85 -10 -17
Basic Earnings per Share		 ($0.09) ($0.16) ($0.19) ($0.18) $0.01 ($0.17) ($0.11) ($0.06) ($0.02) ($0.11) ($0.16)
Weighted Average Basic Shares Outstanding		 175.96M 174.91M 181.41M 182.32M 185.39M 185.64M 200.79M 207.95M 211.44M 211.02M 228.96M
Diluted Earnings per Share		 ($0.09) ($0.16) ($0.19) ($0.18) $0.01 ($0.17) ($0.11) ($0.06) ($0.02) ($0.11) ($0.16)
Weighted Average Diluted Shares Outstanding		 175.96M 174.91M 324.68M 182.32M 332.53M 185.64M 200.79M 207.95M 211.44M 211.02M 228.96M
Weighted Average Basic & Diluted Shares Outstanding		 321.07M 323.09M 323.59M 325.15M 327.00M 328.28M 329.91M 330.93M 333.24M 335.03M 337.82M

Annual Cash Flow Statements for loanDepot

This table details how cash moves in and out of loanDepot's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 3.50 371 132 360 -235 -219 -126
Net Cash From Operating Activities		 -1,497 -2,031 -1,466 4,461 -174 -858 -708
Net Cash From Continuing Operating Activities		 -1,497 -2,031 -1,466 4,461 -174 -865 -708
Net Income / (Loss) Continuing Operations		 34 2,013 623 -610 -236 -202 -108
Consolidated Net Income / (Loss)		 34 2,013 623 -610 -236 -202 -108
Depreciation Expense		 37 36 36 42 41 36 26
Amortization Expense		 30 32 35 36 22 29 36
Non-Cash Adjustments To Reconcile Net Income		 -1,634 -4,285 -1,987 5,205 41 -655 -603
Changes in Operating Assets and Liabilities, net		 35 173 -173 -212 -42 -73 -59
Net Cash From Investing Activities		 141 -28 297 668 166 488 15
Net Cash From Continuing Investing Activities		 141 -28 297 668 166 488 15
Purchase of Property, Plant & Equipment		 -13 -34 -54 -43 -21 -26 -27
Acquisitions		 0.00 -0.75 -1.12 -0.33 0.00 -0.23 -0.15
Sale and/or Maturity of Investments		 0.15 0.21 2.49 7.48 5.58 6.34 5.93
Other Investing Activities, net		 153 6.77 350 704 181 508 36
Net Cash From Financing Activities		 1,360 2,430 1,301 -4,769 -226 152 567
Net Cash From Continuing Financing Activities		 1,360 2,430 1,301 -4,769 -226 152 567
Repayment of Debt		 -43,019 -101,110 -154,016 -64,788 -21,138 -23,285 -24,069
Payment of Dividends		 -7.61 -643 -476 -120 -6.19 -7.11 -12
Issuance of Debt		 44,379 104,295 155,793 60,139 20,918 23,444 24,642
Other Financing Activities, net		 6.86 -15 - - 0.00 0.00 5.93
Cash Interest Paid		 160 160 270 254 322 306 301
Cash Income Taxes Paid		 4.04 0.45 3.33 27 -8.87 9.02 -2.91

Quarterly Cash Flow Statements for loanDepot

This table details how cash moves in and out of loanDepot's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 52 -86 -68 -47 -53 -51 -81 32 48 -125 -44
Net Cash From Operating Activities		 163 -205 -279 -278 -349 41 -177 68 43 -639 -169
Net Cash From Continuing Operating Activities		 163 -205 -279 -279 -349 41 -177 68 43 -639 -169
Net Income / (Loss) Continuing Operations		 -34 -60 -72 -66 2.67 -67 -41 -25 -8.74 -33 -55
Consolidated Net Income / (Loss)		 -34 -60 -72 -66 2.67 -67 -41 -25 -8.74 -33 -55
Depreciation Expense		 11 9.92 9.44 8.96 8.93 8.78 7.67 6.38 6.73 5.45 6.34
Amortization Expense		 4.97 6.37 5.04 6.13 8.96 8.67 8.61 9.03 9.05 9.31 9.71
Non-Cash Adjustments To Reconcile Net Income		 69 -15 -171 -222 -391 70 -157 97 19 -559 -154
Changes in Operating Assets and Liabilities, net		 113 -147 -50 -5.39 22 21 4.82 -20 17 -61 24
Net Cash From Investing Activities		 71 6.67 52 436 -28 35 -0.34 8.72 11 -8.38 -4.78
Net Cash From Continuing Investing Activities		 71 6.67 52 434 -26 35 -0.34 8.72 11 -8.38 -4.78
Purchase of Property, Plant & Equipment		 -4.77 -4.30 -4.76 -7.43 -7.28 -6.92 -6.80 -6.23 -4.73 -9.34 -7.85
Acquisitions		 - - 0.00 - - - -0.15 - - - 0.00
Sale and/or Maturity of Investments		 1.67 1.44 0.68 2.41 1.77 1.49 1.47 4.61 4.50 -7.79 1.41
Other Investing Activities, net		 74 9.52 56 439 -21 41 5.13 10 12 8.75 1.66
Net Cash From Financing Activities		 -183 113 159 -205 325 -127 96 -44 -7.02 522 130
Net Cash From Continuing Financing Activities		 -183 113 159 -205 325 -127 96 -44 -7.02 522 130
Repayment of Debt		 -5,666 -4,866 -4,697 -6,199 -6,101 -6,288 -3,891 -7,013 -5,932 -7,233 -7,199
Payment of Dividends		 -0.87 -1.60 -1.34 -1.03 -2.77 -1.98 -2.71 -2.70 -6.39 0.03 0.05
Issuance of Debt		 5,484 4,980 4,857 5,995 6,428 6,163 3,989 6,972 5,925 7,755 7,328
Other Financing Activities, net		 - - - - - - 0.00 - - 0.24 1.04
Cash Interest Paid		 61 98 58 94 64 90 56 93 60 93 58
Cash Income Taxes Paid		 -0.34 -5.01 0.02 -0.02 4.91 4.12 -0.18 0.46 0.23 -3.42 -0.07

Annual Balance Sheets for loanDepot

This table presents loanDepot's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2020 2021 2022 2023 2024 2025
Period end date 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 10,893 11,812 6,610 6,151 6,344 6,858
Total Current Assets		 8,307 9,149 981 2,972 3,175 3,609
Cash & Equivalents		 284 420 864 661 422 337
Restricted Cash		 204 201 117 85 106 64
Other Current Assets		 648 195 - 94 44 42
Other Current Nonoperating Assets		 6,955 8,137 - 2,133 2,604 3,166
Plant, Property, & Equipment, net		 85 104 93 71 61 62
Total Noncurrent Assets		 2,501 2,487 5,537 3,108 3,108 3,187
Long-Term Investments		 18 19 20 20 135 128
Other Noncurrent Operating Assets		 2,440 2,426 5,516 3,088 2,973 3,059
Total Liabilities & Shareholders' Equity		 10,893 11,812 6,610 6,151 6,344 6,858
Total Liabilities		 9,237 10,183 5,688 5,447 5,837 6,472
Total Current Liabilities		 1,861 1,026 489 1,176 1,400 1,434
Accounts Payable		 446 624 489 380 379 349
Other Current Liabilities		 168 38 - 85 25 11
Other Current Nonoperating Liabilities		 1,246 363 - 711 995 1,074
Total Noncurrent Liabilities		 7,376 9,157 5,200 4,270 4,438 5,037
Long-Term Debt		 7,290 9,085 4,436 4,221 4,404 5,003
Other Noncurrent Operating Liabilities		 86 72 764 49 33 35
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,657 1,629 921 704 507 386
Total Preferred & Common Equity		 0.00 524 433 353 273 235
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 0.00 524 433 353 273 235
Common Stock		 0.00 565 789 821 844 879
Retained Earnings		 0.00 -29 -342 -452 -551 -614
Treasury Stock		 - -13 -13 -16 -20 -30
Noncontrolling Interest		 1,657 1,106 488 351 234 151

Quarterly Balance Sheets for loanDepot

This table presents loanDepot's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 7,379 6,191 6,204 6,079 6,193 5,943 6,418 6,417 6,209 6,245 7,247
Total Current Assets		 1,529 1,127 979 3,168 3,042 631 579 446 478 3,187 3,694
Cash & Equivalents		 1,144 798 719 717 604 533 483 371 409 459 277
Restricted Cash		 161 90 61 115 74 98 96 74 69 67 80
Other Current Assets		 - - - 87 64 - - - - 55 70
Other Current Nonoperating Assets		 - - - 2,071 2,300 - - - - 2,606 3,267
Plant, Property, & Equipment, net		 99 89 83 77 66 65 63 60 60 58 64
Total Noncurrent Assets		 5,751 4,974 5,142 2,834 3,085 5,247 5,776 5,911 5,671 3,000 3,489
Long-Term Investments		 20 18 18 19 18 138 18 133 130 130 126
Other Noncurrent Operating Assets		 5,731 4,956 5,124 2,815 3,067 5,109 5,758 5,778 5,541 2,871 3,363
Total Liabilities & Shareholders' Equity		 7,379 6,191 6,204 6,079 6,193 5,943 6,418 6,417 6,209 6,245 7,247
Total Liabilities		 6,300 5,350 5,406 5,310 5,556 5,364 5,826 5,947 5,770 5,812 6,909
Total Current Liabilities		 716 450 407 1,152 1,127 375 382 368 359 1,303 1,736
Accounts Payable		 716 450 407 463 367 375 382 368 359 374 374
Other Current Liabilities		 - - - 50 11 - - - - 12 17
Other Current Nonoperating Liabilities		 - - - 640 748 - - - - 917 1,345
Total Noncurrent Liabilities		 5,584 4,900 4,999 4,158 4,429 4,989 5,444 5,579 5,411 4,509 5,173
Long-Term Debt		 4,813 4,134 4,286 4,104 4,383 4,189 4,523 4,508 4,473 4,474 5,139
Other Noncurrent Operating Liabilities		 771 766 713 54 45 800 921 1,071 938 35 34
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,078 841 797 769 637 579 592 469 439 433 337
Total Preferred & Common Equity		 500 404 389 379 322 295 311 262 272 259 204
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 500 404 389 379 322 295 311 262 272 259 204
Common Stock		 778 803 813 819 825 831 848 856 882 881 886
Retained Earnings		 -266 -385 -408 -425 -486 -518 -517 -574 -588 -592 -652
Treasury Stock		 -13 -14 -15 -16 -17 -17 -19 -21 -23 -29 -30
Noncontrolling Interest		 579 437 408 390 316 284 281 208 167 174 133

Annual Metrics And Ratios for loanDepot

This table displays calculated financial ratios and metrics derived from loanDepot's official financial filings.

Metric 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 0.00 309,091,532.00 - - - 333,235,924.00
DEI Adjusted Shares Outstanding		 0.00 0.00 309,091,532.00 - - - 333,235,924.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.00 0.37 - - - -0.19
Growth Metrics		 - - - - - - -
Revenue Growth		 0.00% 190.00% -2.70% -63.90% -20.41% 11.25% -5.99%
EBITDA Growth		 0.00% 863.18% -56.84% -135.25% 126.35% 77.95% -42.88%
EBIT Growth		 0.00% 1,216.93% -58.78% -146.90% 106.25% 258.63% -69.91%
NOPAT Growth		 0.00% 896.58% -46.48% -118.76% 146.78% 73.01% -116.26%
Net Income Growth		 0.00% 5,748.66% -69.05% -197.95% 61.42% 14.17% 46.81%
EPS Growth		 0.00% 0.00% 0.00% -301.15% 64.00% 15.87% 43.40%
Operating Cash Flow Growth		 0.00% -35.62% 27.82% 404.35% -103.91% -396.75% 17.57%
Free Cash Flow Firm Growth		 0.00% 0.00% 334.82% -245.91% 173.51% -185.20% -158.78%
Invested Capital Growth		 0.00% 0.00% -18.37% 95.42% -37.16% 59.46% 4.85%
Revenue Q/Q Growth		 0.00% 0.00% -5.46% -29.51% 10.13% 24.23% -11.03%
EBITDA Q/Q Growth		 0.00% 0.00% -35.43% -34.89% 146.78% 656.16% -60.61%
EBIT Q/Q Growth		 0.00% 0.00% -37.29% -25.59% 110.28% 200.96% -82.94%
NOPAT Q/Q Growth		 0.00% 0.00% -26.81% -67.39% 215.21% 284.12% -113.52%
Net Income Q/Q Growth		 0.00% 0.00% -46.08% -39.39% 29.38% -3.96% 24.36%
EPS Q/Q Growth		 0.00% 0.00% 4.82% -41.13% 32.98% -1.92% 16.67%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 60.08% -10.93% -326.15% 22.13% -2,401.10%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% -138.47% -9.36% 27.59% -107.19%
Invested Capital Q/Q Growth		 0.00% 0.00% -79.27% -4.61% 5.66% -3.39% 8.07%
Profitability Metrics		 - - - - - - -
Gross Margin		 48.97% 64.79% 54.40% 32.77% 52.87% 55.60% 49.55%
EBITDA Margin		 15.33% 50.92% 22.59% -22.05% 7.30% 11.68% 7.09%
Operating Margin		 13.02% 47.19% 27.73% -19.25% 11.32% 17.60% -3.04%
EBIT Margin		 10.87% 49.36% 20.91% -27.17% 2.13% 6.88% 2.20%
Profit (Net Income) Margin		 2.30% 46.29% 14.73% -39.96% -19.37% -14.95% -8.46%
Tax Burden Percent		 105.35% 99.89% 93.49% 88.46% 84.62% 83.24% 89.21%
Interest Burden Percent		 20.04% 93.88% 75.31% 166.25% -1,072.89% -261.05% -430.56%
Effective Tax Rate		 -5.35% 0.11% 6.51% 0.00% 0.00% 0.00% 0.00%
Return on Invested Capital (ROIC)		 0.00% 150.14% 44.24% -6.25% 2.72% 4.69% -1.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 143.25% -12.39% -26.30% -9.42% -7.83% -4.56%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 92.90% -6.31% -41.61% -31.68% -38.07% -23.09%
Return on Equity (ROE)		 0.00% 243.04% 37.93% -47.86% -28.97% -33.38% -24.09%
Cash Return on Invested Capital (CROIC)		 0.00% -49.86% 64.47% -70.85% 48.35% -41.14% -5.73%
Operating Return on Assets (OROA)		 0.00% 19.71% 7.80% -4.51% 0.41% 1.49% 0.42%
Return on Assets (ROA)		 0.00% 18.48% 5.49% -6.63% -3.69% -3.24% -1.63%
Return on Common Equity (ROCE)		 0.00% 0.00% 6.04% -17.96% -14.02% -17.26% -13.70%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 119.02% -140.80% -66.68% -74.08% 0.00%
Net Operating Profit after Tax (NOPAT)		 206 2,050 1,097 -206 96 167 -27
NOPAT Margin		 13.72% 47.14% 25.93% -13.48% 7.92% 12.32% -2.13%
Net Nonoperating Expense Percent (NNEP)		 0.00% 6.89% 56.63% 20.05% 12.14% 12.52% 3.56%
Return On Investment Capital (ROIC_SIMPLE)		 - - - -3.84% 1.96% 3.39% -0.50%
Cost of Revenue to Revenue		 51.03% 35.21% 45.60% 67.23% 47.13% 44.40% 50.45%
SG&A Expenses to Revenue		 6.70% 3.95% 5.08% 17.39% 17.50% 15.10% 13.93%
R&D to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 35.95% 17.60% 26.67% 52.02% 41.55% 38.01% 52.59%
Earnings before Interest and Taxes (EBIT)		 163 2,147 885 -415 26 93 28
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 230 2,215 956 -337 89 158 90
Valuation Ratios		 - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 2.78 1.20 3.20 2.44 2.94
Price to Tangible Book Value (P/TBV)		 0.00 0.00 3.02 1.20 3.20 2.44 2.94
Price to Revenue (P/Rev)		 0.04 0.01 0.34 0.34 0.93 0.49 0.54
Price to Earnings (P/E)		 0.00 0.00 12.82 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 18.10% 56.48% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 7.80% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.00 3.11 4.94 1.02 1.80 1.09 1.92
Enterprise Value to Revenue (EV/Rev)		 0.00 1.95 2.60 2.91 4.06 3.52 4.18
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 3.84 11.52 0.00 55.62 30.14 58.92
Enterprise Value to EBIT (EV/EBIT)		 0.00 3.96 12.44 0.00 190.30 51.16 189.86
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 4.14 10.03 0.00 51.26 28.57 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 1.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 6.88 0.00 2.88 0.00 0.00
Leverage & Solvency		 - - - - - - -
Debt to Equity		 0.00 4.40 5.58 4.81 5.99 8.69 12.96
Long-Term Debt to Equity		 0.00 4.40 5.58 4.81 5.99 8.69 12.96
Financial Leverage		 0.00 0.65 0.51 1.58 3.36 4.87 5.06
Leverage Ratio		 0.00 6.58 6.91 7.22 7.85 10.32 14.79
Compound Leverage Factor		 0.00 6.17 5.20 12.01 -84.20 -26.93 -63.68
Debt to Total Capital		 0.00% 81.48% 84.79% 82.80% 85.70% 89.68% 92.84%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 81.48% 84.79% 82.80% 85.70% 89.68% 92.84%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 18.52% 10.32% 9.11% 7.13% 4.76% 2.81%
Common Equity to Total Capital		 0.00% 0.00% 4.89% 8.09% 7.17% 5.56% 4.35%
Debt to EBITDA		 0.00 3.29 9.51 -13.17 47.56 27.89 55.45
Net Debt to EBITDA		 0.00 3.06 8.84 -10.20 38.93 24.43 49.59
Long-Term Debt to EBITDA		 0.00 3.29 9.51 -13.17 47.56 27.89 55.45
Debt to NOPAT		 0.00 3.56 8.28 -21.55 43.83 26.43 -184.68
Net Debt to NOPAT		 0.00 3.31 7.70 -16.69 35.87 23.16 -165.15
Long-Term Debt to NOPAT		 0.00 3.56 8.28 -21.55 43.83 26.43 -184.68
Altman Z-Score		 0.00 1.76 1.51 0.10 0.58 0.24 0.52
Noncontrolling Interest Sharing Ratio		 0.00% 100.00% 84.07% 62.48% 51.62% 48.31% 43.16%
Liquidity Ratios		 - - - - - - -
Current Ratio		 0.00 4.46 8.92 2.01 2.53 1.39 2.52
Quick Ratio		 0.00 0.23 0.46 1.77 0.56 1.11 0.24
Cash Flow Metrics		 - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -681 1,599 -2,333 1,715 -1,461 -155
Operating Cash Flow to CapEx		 -11,930.36% -5,989.42% -2,708.01% 10,323.17% -845.21% -3,279.85% -2,610.74%
Free Cash Flow to Firm to Interest Expense		 0.00 -5.18 7.32 -8.49 5.64 -4.35 -1.04
Operating Cash Flow to Interest Expense		 -11.49 -15.45 -6.71 16.22 -0.57 -2.58 -4.76
Operating Cash Flow Less CapEx to Interest Expense		 -11.58 -15.71 -6.96 16.07 -0.64 -2.66 -4.95
Efficiency Ratios		 - - - - - - -
Asset Turnover		 0.00 0.40 0.37 0.17 0.19 0.22 0.19
Accounts Receivable Turnover		 0.00 31.49 43.56 0.00 0.00 0.00 0.00
Inventory Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover		 0.00 51.17 44.72 15.50 14.85 20.51 20.67
Accounts Payable Turnover		 0.00 3.43 3.60 1.85 1.32 1.58 1.76
Days Sales Outstanding (DSO)		 0.00 11.59 8.38 0.00 0.00 0.00 0.00
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Payable Outstanding (DPO)		 0.00 106.39 101.27 197.81 276.66 230.80 207.33
Cash Conversion Cycle (CCC)		 0.00 -94.80 -92.89 -197.81 -276.66 -230.80 -207.33
Capital & Investment Metrics		 - - - - - - -
Invested Capital		 0.00 2,731 2,229 4,356 2,738 4,366 2,769
Invested Capital Turnover		 0.00 3.19 1.71 0.46 0.34 0.38 0.47
Increase / (Decrease) in Invested Capital		 0.00 2,731 -502 2,127 -1,619 1,628 128
Enterprise Value (EV)		 0.00 8,494 11,007 4,442 4,936 4,760 5,315
Market Capitalization		 54 54 1,455 519 1,130 667 690
Book Value per Share		 $0.00 $0.00 $1.69 $1.38 $1.10 $0.83 $0.70
Tangible Book Value per Share		 $0.00 ($11.12) $1.56 $1.38 $1.10 $0.83 $0.70
Total Capital		 0.00 8,947 10,715 5,357 4,926 4,911 5,389
Total Debt		 0.00 7,290 9,085 4,436 4,221 4,404 5,003
Total Long-Term Debt		 0.00 7,290 9,085 4,436 4,221 4,404 5,003
Net Debt		 0.00 6,784 8,446 3,435 3,455 3,859 4,474
Capital Expenditures (CapEx)		 13 34 54 43 21 26 27
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 0.00 5,958 7,502 -489 1,050 -379 1,773
Debt-free Net Working Capital (DFNWC)		 0.00 6,447 8,123 492 1,796 148 2,174
Net Working Capital (NWC)		 0.00 6,447 8,123 492 1,796 148 2,174
Net Nonoperating Expense (NNE)		 171 37 474 405 332 369 80
Net Nonoperating Obligations (NNO)		 0.00 1,074 600 3,435 2,033 3,859 2,383
Total Depreciation and Amortization (D&A)		 67 68 71 78 63 65 62
Debt-free, Cash-free Net Working Capital to Revenue		 0.00% 136.99% 177.29% -31.99% 86.37% -28.05% 139.47%
Debt-free Net Working Capital to Revenue		 0.00% 148.23% 191.95% 32.19% 147.72% 10.93% 171.01%
Net Working Capital to Revenue		 0.00% 148.23% 191.95% 32.19% 147.72% 10.93% 171.01%
Earnings Adjustments		 - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.87 ($1.75) ($0.63) ($0.53) ($0.30)
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 130.00M 156.03M 174.91M 185.64M 211.02M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.87 ($1.75) ($0.63) ($0.53) ($0.30)
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 130.00M 156.03M 174.91M 185.64M 211.02M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 310.93M 316.46M 323.09M 328.28M 335.03M
Normalized Net Operating Profit after Tax (NOPAT)		 137 2,050 1,097 -177 96 167 -27
Normalized NOPAT Margin		 9.11% 47.14% 25.93% -11.61% 7.92% 12.32% -2.13%
Pre Tax Income Margin		 2.18% 46.34% 15.75% -45.17% -22.89% -17.95% -9.48%
Debt Service Ratios		 - - - - - - -
EBIT to Interest Expense		 1.25 16.33 4.05 -1.51 0.09 0.28 0.19
NOPAT to Interest Expense		 1.58 15.60 5.02 -0.75 0.32 0.50 -0.18
EBIT Less CapEx to Interest Expense		 1.15 16.07 3.80 -1.67 0.02 0.20 0.01
NOPAT Less CapEx to Interest Expense		 1.48 15.34 4.77 -0.91 0.25 0.42 -0.36
Payout Ratios		 - - - - - - -
Dividend Payout Ratio		 22.12% 31.94% 76.41% -19.61% -2.63% -3.52% -10.94%
Augmented Payout Ratio		 22.13% 36.80% 76.41% -19.61% -2.63% -3.52% -10.94%

Quarterly Metrics And Ratios for loanDepot

This table displays calculated financial ratios and metrics derived from loanDepot's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 328,282,343.00 329,910,534.00 330,925,941.00 333,235,924.00 335,028,751.00
DEI Adjusted Shares Outstanding		 - - - - - - 328,282,343.00 329,910,534.00 330,925,941.00 333,235,924.00 335,028,751.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - -0.07 -0.04 -0.01 -0.07 -0.11
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -3.11% 31.19% 7.16% -2.37% 18.42% 16.87% 22.82% 6.46% 2.77% -28.68% 4.67%
EBITDA Growth		 113.03% 3,614.49% 38.68% -148.59% 374.11% 8.15% 104.96% 184.77% -30.50% -85.50% -223.23%
EBIT Growth		 97.74% 757.91% 32.19% -57.61% 1,697.44% 8.27% 73.19% 116.79% -38.28% -93.94% -28.54%
NOPAT Growth		 140.71% 921.82% 68.46% 58.82% 220.70% 7.40% 425.22% 207.25% -31.21% -255.23% 71.61%
Net Income Growth		 75.08% 62.11% 22.04% -32.34% 107.80% -12.87% 43.09% 61.62% -426.87% 51.34% -35.01%
EPS Growth		 75.68% 65.96% 24.00% -38.46% 111.11% -6.25% 42.11% 66.67% -300.00% 35.29% -45.45%
Operating Cash Flow Growth		 -90.64% -548.19% -235.63% 17.53% -313.84% 119.75% 36.54% 124.30% 112.43% -1,439.64% 4.19%
Free Cash Flow Firm Growth		 -67.40% 179.62% 171.22% 116.74% -192.72% -190.42% -224.59% -188.24% 208.32% -242.94% 184.69%
Invested Capital Growth		 -43.26% -37.16% -31.84% -6.69% 74.38% 59.46% 58.61% 7.66% -43.30% 4.85% -30.20%
Revenue Q/Q Growth		 -2.27% 77.07% -22.10% 19.12% 18.54% 74.76% -50.23% 3.26% 14.44% 21.27% -26.96%
EBITDA Q/Q Growth		 221.14% 1,067.49% -78.67% 32.36% 331.04% 166.31% -98.81% 1,054.88% 89.41% -44.45% -110.14%
EBIT Q/Q Growth		 89.75% 5,062.77% -40.31% 22.48% 203.88% 236.37% -109.90% 148.55% 281.86% -66.97% -309.88%
NOPAT Q/Q Growth		 171.31% 259.23% 96.54% 334.69% 447.83% 20.31% -78.98% 121.73% 22.66% -371.46% 123.24%
Net Income Q/Q Growth		 31.14% -74.45% -19.63% 7.90% 104.06% -2,624.89% 39.68% 37.90% 65.44% -275.85% -67.37%
EPS Q/Q Growth		 30.77% -77.78% -18.75% 5.26% 105.56% -1,800.00% 35.29% 45.45% 66.67% -450.00% -45.45%
Operating Cash Flow Q/Q Growth		 148.39% -225.80% -35.59% 0.08% -25.47% 111.62% -470.75% 137.59% -35.81% -1,571.13% 73.48%
Free Cash Flow Firm Q/Q Growth		 211.47% -14.86% -11.19% -76.73% -717.45% 16.98% -962.55% 83.52% 858.01% -113.26% 611.03%
Invested Capital Q/Q Growth		 -39.52% 5.66% 1.30% 44.16% 13.02% -3.39% 66.58% -2.15% -40.48% 8.07% 10.90%
Profitability Metrics		 - - - - - - - - - - -
Gross Margin		 74.04% 24.28% 74.24% 83.21% 79.25% 21.19% 71.75% 77.90% 75.85% -8.06% 74.05%
EBITDA Margin		 4.84% 31.92% -17.51% -9.94% 19.38% 29.53% 0.71% 7.92% 13.11% 6.00% -0.83%
Operating Margin		 12.42% 25.19% -3.69% 7.28% 31.67% 23.15% 9.78% 21.00% 22.51% -50.39% 16.04%
EBIT Margin		 -1.02% 28.45% -24.01% -15.63% 13.69% 26.36% -5.24% 2.46% 8.22% 2.24% -6.44%
Profit (Net Income) Margin		 -12.90% -12.71% -32.10% -24.81% 0.85% -12.27% -14.87% -8.95% -2.70% -8.37% -19.18%
Tax Burden Percent		 86.81% 80.83% 83.96% 85.35% 74.33% 80.20% 88.27% 78.16% 84.89% 103.21% 99.69%
Interest Burden Percent		 1,463.37% -55.24% 159.19% 186.04% 8.34% -58.05% 321.48% -464.37% -38.70% -362.12% 298.97%
Effective Tax Rate		 0.00% 0.00% 0.00% 0.00% 25.67% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Invested Capital (ROIC)		 2.68% 6.04% -0.79% 1.28% 7.21% 6.17% 2.68% 5.03% 6.36% -16.58% 3.86%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.52% 0.82% -3.24% -1.02% 4.73% 0.86% 0.72% 3.20% 4.39% -11.91% 1.25%
Return on Net Nonoperating Assets (RNNOA)		 1.50% 2.77% -11.76% -5.12% 19.97% 4.17% 3.95% 22.87% 25.93% -60.28% 10.29%
Return on Equity (ROE)		 4.18% 8.82% -12.55% -3.84% 27.18% 10.34% 6.62% 27.90% 32.29% -76.87% 14.15%
Cash Return on Invested Capital (CROIC)		 52.86% 48.35% 33.71% 3.61% -56.76% -41.14% -40.00% -2.10% 60.93% -5.73% 35.21%
Operating Return on Assets (OROA)		 -0.17% 5.42% -4.06% -2.68% 2.39% 5.71% -1.17% 0.58% 1.86% 0.43% -1.21%
Return on Assets (ROA)		 -2.12% -2.42% -5.42% -4.25% 0.15% -2.66% -3.31% -2.09% -0.61% -1.61% -3.61%
Return on Common Equity (ROCE)		 1.99% 4.27% -6.16% -1.91% 13.79% 5.35% 3.49% 15.56% 17.97% -43.69% 8.17%
Return on Equity Simple (ROE_SIMPLE)		 -87.96% 0.00% -66.94% -78.35% -62.45% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 23 83 -5.76 14 74 89 19 42 51 -138 32
NOPAT Margin		 8.69% 17.64% -2.59% 5.09% 23.54% 16.21% 6.85% 14.70% 15.76% -35.27% 11.23%
Net Nonoperating Expense Percent (NNEP)		 2.16% 5.22% 2.45% 2.30% 2.48% 5.31% 1.96% 1.83% 1.97% -4.67% 2.61%
Return On Investment Capital (ROIC_SIMPLE)		 - 1.68% - - - 1.81% 0.38% 0.85% 1.04% -2.57% 0.59%
Cost of Revenue to Revenue		 53.24% 28.22% 60.29% 53.14% 51.28% 29.79% 54.88% 54.55% 49.84% 44.91% 61.23%
SG&A Expenses to Revenue		 17.51% 11.75% 25.92% 27.57% 7.31% 9.16% 16.13% 14.06% 14.03% 12.21% 16.37%
R&D to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 61.62% -0.91% 77.94% 75.93% 47.58% -1.96% 61.97% 56.90% 53.34% 42.33% 58.01%
Earnings before Interest and Taxes (EBIT)		 -2.70 134 -53 -41 43 145 -14 6.96 27 8.78 -18
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 13 150 -39 -26 61 162 1.94 22 42 24 -2.39
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.45 3.20 2.60 1.81 2.85 2.44 1.49 1.54 3.92 2.94 2.33
Price to Tangible Book Value (P/TBV)		 1.45 3.20 2.60 1.81 2.85 2.44 1.49 1.54 3.92 2.94 2.33
Price to Revenue (P/Rev)		 0.50 0.93 0.80 0.51 0.82 0.49 0.28 0.29 0.71 0.54 0.37
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 1.62 1.80 1.75 1.06 1.13 1.09 1.03 1.03 1.95 1.92 1.71
Enterprise Value to Revenue (EV/Rev)		 3.80 4.06 4.63 4.07 4.68 3.52 3.23 3.13 3.50 4.18 4.10
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 55.62 0.00 0.00 0.00 30.14 22.77 17.97 21.86 58.92 61.29
Enterprise Value to EBIT (EV/EBIT)		 0.00 190.30 0.00 0.00 0.00 51.16 34.25 24.64 30.51 189.86 220.24
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 51.26 0.00 0.00 0.00 28.57 23.69 20.31 25.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 54.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 2.22 2.88 4.20 28.34 0.00 0.00 0.00 0.00 2.32 0.00 4.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 5.34 5.99 6.88 7.23 7.64 8.69 9.61 10.19 10.32 12.96 15.24
Long-Term Debt to Equity		 5.34 5.99 6.88 7.23 7.64 8.69 9.61 10.19 10.32 12.96 15.24
Financial Leverage		 2.87 3.36 3.63 5.02 4.22 4.87 5.48 7.16 5.91 5.06 8.26
Leverage Ratio		 7.28 7.85 8.38 8.83 9.18 10.32 11.39 11.94 12.35 14.79 16.94
Compound Leverage Factor		 106.59 -4.34 13.33 16.42 0.77 -5.99 36.63 -55.43 -4.78 -53.56 50.64
Debt to Total Capital		 84.22% 85.70% 87.31% 87.86% 88.43% 89.68% 90.57% 91.06% 91.17% 92.84% 93.84%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 84.22% 85.70% 87.31% 87.86% 88.43% 89.68% 90.57% 91.06% 91.17% 92.84% 93.84%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 8.00% 7.13% 6.29% 5.95% 5.49% 4.76% 4.17% 3.40% 3.54% 2.81% 2.43%
Common Equity to Total Capital		 7.78% 7.17% 6.41% 6.19% 6.09% 5.56% 5.26% 5.54% 5.29% 4.35% 3.73%
Debt to EBITDA		 -21.63 47.56 -72.17 -54.75 -159.27 27.89 22.67 18.06 19.53 55.45 59.83
Net Debt to EBITDA		 -17.15 38.93 -60.72 -44.69 -138.27 24.43 19.76 15.61 16.67 49.59 54.20
Long-Term Debt to EBITDA		 -21.63 47.56 -72.17 -54.75 -159.27 27.89 22.67 18.06 19.53 55.45 59.83
Debt to NOPAT		 -49.09 43.83 -30.84 -30.54 -49.98 26.43 23.59 20.41 22.33 -184.68 -375.79
Net Debt to NOPAT		 -38.92 35.87 -25.94 -24.93 -43.39 23.16 20.56 17.64 19.06 -165.15 -340.43
Long-Term Debt to NOPAT		 -49.09 43.83 -30.84 -30.54 -49.98 26.43 23.59 20.41 22.33 -184.68 -375.79
Altman Z-Score		 0.54 0.64 0.49 0.14 0.21 0.26 0.14 0.17 0.58 0.51 0.41
Noncontrolling Interest Sharing Ratio		 52.43% 51.62% 50.93% 50.25% 49.26% 48.31% 47.30% 44.25% 44.34% 43.16% 42.25%
Liquidity Ratios		 - - - - - - - - - - -
Current Ratio		 2.75 2.53 2.70 1.68 1.52 1.39 1.21 1.33 2.45 2.52 2.13
Quick Ratio		 0.67 0.56 0.54 1.42 1.27 1.11 1.01 1.14 0.35 0.24 0.16
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 1,999 1,702 1,290 300 -1,853 -1,539 -1,607 -265 2,008 -266 1,361
Operating Cash Flow to CapEx		 3,423.14% -4,782.72% -5,846.41% -3,747.02% -4,797.58% 586.41% -2,600.81% 1,084.81% 917.63% -6,838.63% -2,157.59%
Free Cash Flow to Firm to Interest Expense		 54.36 8.19 40.73 8.41 -46.93 -6.72 -50.59 -6.74 54.44 -6.56 37.10
Operating Cash Flow to Interest Expense		 4.44 -0.99 -8.80 -7.80 -8.84 0.18 -5.56 1.72 1.18 -15.74 -4.62
Operating Cash Flow Less CapEx to Interest Expense		 4.31 -1.01 -8.95 -8.01 -9.03 0.15 -5.78 1.56 1.05 -15.97 -4.83
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.16 0.19 0.17 0.17 0.17 0.22 0.22 0.23 0.23 0.19 0.19
Accounts Receivable Turnover		 13.62 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover		 12.57 14.85 13.50 14.12 15.58 20.51 22.21 22.79 23.62 20.67 20.76
Accounts Payable Turnover		 1.03 1.32 1.39 1.40 1.35 1.58 1.68 1.72 1.67 1.76 1.80
Days Sales Outstanding (DSO)		 26.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Payable Outstanding (DPO)		 355.00 276.66 263.32 259.92 270.52 230.80 217.86 212.79 219.03 207.33 203.28
Cash Conversion Cycle (CCC)		 -328.20 -276.66 -263.32 -259.92 -270.52 -230.80 -217.86 -212.79 -219.03 -207.33 -203.28
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 2,591 2,738 2,773 3,998 4,519 4,366 4,399 4,304 2,562 2,769 3,070
Invested Capital Turnover		 0.31 0.34 0.31 0.25 0.31 0.38 0.39 0.34 0.40 0.47 0.34
Increase / (Decrease) in Invested Capital		 -1,976 -1,619 -1,295 -287 1,927 1,628 1,626 306 -1,957 128 -1,329
Enterprise Value (EV)		 4,192 4,936 4,840 4,237 5,095 4,760 4,528 4,451 5,008 5,315 5,264
Market Capitalization		 549 1,130 837 534 888 667 391 419 1,016 690 476
Book Value per Share		 $1.19 $1.10 $1.00 $0.91 $0.96 $0.83 $0.80 $0.82 $0.78 $0.70 $0.61
Tangible Book Value per Share		 $1.19 $1.10 $1.00 $0.91 $0.96 $0.83 $0.80 $0.82 $0.78 $0.70 $0.61
Total Capital		 4,873 4,926 5,021 4,767 5,115 4,911 4,977 4,912 4,907 5,389 5,476
Total Debt		 4,104 4,221 4,383 4,189 4,523 4,404 4,508 4,473 4,474 5,003 5,139
Total Long-Term Debt		 4,104 4,221 4,383 4,189 4,523 4,404 4,508 4,473 4,474 5,003 5,139
Net Debt		 3,253 3,455 3,688 3,419 3,927 3,859 3,930 3,865 3,818 4,474 4,655
Capital Expenditures (CapEx)		 4.77 4.30 4.76 7.43 7.28 6.92 6.80 6.23 4.73 9.34 7.85
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 1,184 1,050 1,237 -375 -382 -379 -368 -359 1,358 1,773 1,601
Debt-free Net Working Capital (DFNWC)		 2,016 1,796 1,915 256 197 148 77 120 1,884 2,174 1,958
Net Working Capital (NWC)		 2,016 1,796 1,915 256 197 148 77 120 1,884 2,174 1,958
Net Nonoperating Expense (NNE)		 57 143 66 79 71 157 59 67 60 -105 87
Net Nonoperating Obligations (NNO)		 1,822 2,033 2,136 3,419 3,927 3,859 3,930 3,865 2,129 2,383 2,733
Total Depreciation and Amortization (D&A)		 16 16 14 15 18 17 16 15 16 15 16
Debt-free, Cash-free Net Working Capital to Revenue		 107.24% 86.37% 118.22% -36.09% -35.04% -28.05% -26.24% -25.24% 95.04% 139.47% 124.63%
Debt-free Net Working Capital to Revenue		 182.60% 147.72% 183.03% 24.61% 18.10% 10.93% 5.52% 8.42% 131.83% 171.01% 152.44%
Net Working Capital to Revenue		 182.60% 147.72% 183.03% 24.61% 18.10% 10.93% 5.52% 8.42% 131.83% 171.01% 152.44%
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.09) ($0.16) ($0.19) ($0.18) $0.01 ($0.17) ($0.11) ($0.06) ($0.02) ($0.11) ($0.16)
Adjusted Weighted Average Basic Shares Outstanding		 175.96M 174.91M 181.41M 182.32M 185.39M 185.64M 200.79M 207.95M 211.44M 211.02M 228.96M
Adjusted Diluted Earnings per Share		 ($0.09) ($0.16) ($0.19) ($0.18) $0.01 ($0.17) ($0.11) ($0.06) ($0.02) ($0.11) ($0.16)
Adjusted Weighted Average Diluted Shares Outstanding		 175.96M 174.91M 324.68M 182.32M 332.53M 185.64M 200.79M 207.95M 211.44M 211.02M 228.96M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 321.07M 323.09M 323.59M 325.15M 327.00M 328.28M 329.91M 330.93M 333.24M 335.03M 337.82M
Normalized Net Operating Profit after Tax (NOPAT)		 23 83 -5.76 14 74 89 19 42 51 -138 32
Normalized NOPAT Margin		 8.69% 17.64% -2.59% 5.09% 23.54% 16.21% 6.85% 14.70% 15.76% -35.27% 11.23%
Pre Tax Income Margin		 -14.86% -15.72% -38.23% -29.07% 1.14% -15.30% -16.85% -11.44% -3.18% -8.11% -19.24%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 -0.07 0.64 -1.69 -1.16 1.09 0.63 -0.45 0.18 0.72 0.22 -0.50
NOPAT to Interest Expense		 0.63 0.40 -0.18 0.38 1.88 0.39 0.59 1.06 1.38 -3.41 0.88
EBIT Less CapEx to Interest Expense		 -0.20 0.62 -1.84 -1.37 0.91 0.60 -0.67 0.02 0.59 -0.01 -0.72
NOPAT Less CapEx to Interest Expense		 0.50 0.38 -0.33 0.17 1.69 0.36 0.38 0.90 1.25 -3.64 0.66
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 -1.50% -2.63% -2.93% -2.09% -3.47% -3.52% -4.95% -7.76% -9.68% -10.94% -7.40%
Augmented Payout Ratio		 -1.50% -2.63% -2.93% -2.09% -3.47% -3.52% -4.95% -7.76% -9.68% -10.94% -7.40%

Financials Breakdown Chart

Key Financial Trends

loanDepot’s latest quarter shows a company that is still losing money, but its balance sheet and liquidity have improved meaningfully over the last year. In Q1 2026, loanDepot reported a net loss of $54.9 million and negative operating cash flow of $169.3 million, compared with much stronger cash generation in some prior quarters. At the same time, cash and equivalents rose sharply from $155.6 million at Q4 2025 to $277.4 million in Q1 2026, helped by heavy debt issuance and balance-sheet activity.

Revenue trends remain mixed. On the income statement, Q1 2026 revenue was $286.4 million, down from $392.1 million in Q4 2025, but up from $273.6 million in Q1 2025. That suggests loanDepot is still operating in a cyclical and volatile housing/ mortgage environment, with quarterly results swinging based on rate conditions, originations, and other financing items.

Profitability is still the key issue. Even though gross profit was positive at $212.1 million in Q1 2026, the company could not offset heavy other expenses. Interest expense was $36.7 million and other income/expense was a large negative $64.4 million, leading to a pretax loss of $55.1 million and an EPS of -$0.16.

Here are the most important takeaways for retail investors:

  • Cash improved quarter over quarter. Cash and equivalents rose to $277.4 million in Q1 2026 from $155.6 million in Q4 2025.
  • Equity improved modestly. Total common equity increased to $204.3 million from $177.7 million in the prior quarter.
  • Q1 2026 gross profit remained solid. Gross profit of $212.1 million shows the core revenue engine can still generate meaningful margin before overhead and financing costs.
  • LoanDepot reduced quarterly losses versus late 2024. The Q1 2026 net loss of $54.9 million was narrower than the $67.5 million loss in Q4 2025 and far better than some 2024 quarters.
  • Revenue is still volatile. Quarterly revenue has swung from $273.6 million in Q1 2025 to $392.1 million in Q4 2025 and back to $286.4 million in Q1 2026.
  • Share count remains elevated versus early 2024. Weighted average basic shares were 229.0 million in Q1 2026, up from 181.4 million in Q1 2024, which can pressure per-share results.
  • Noncontrolling interest is still meaningful. LoanDepot’s earnings structure includes a sizable noncontrolling interest, which complicates net income attributable to common shareholders.
  • Operating cash flow was deeply negative in Q1 2026. Cash from operations was -$169.3 million, a major concern for a company that needs consistent liquidity.
  • Debt remains extremely large. Long-term debt stood at $5.14 billion in Q1 2026, far above common equity.
  • Interest burden is still heavy. Q1 2026 cash interest paid was $57.6 million, underscoring how expensive the capital structure is.
  • Net income has been negative for most of the past four years. The company has posted repeated quarterly losses, including a $157.8 million loss in Q4 2022 and a $91.7 million loss in Q1 2023.

Longer-term, the trend is better than it was in 2022 and early 2023, but still fragile. loanDepot has improved its liquidity position and at times generated positive operating cash flow, especially when business conditions were favorable. However, the business still appears highly sensitive to mortgage rates and refinancing activity, and leverage remains a major overhang.

Bottom line: loanDepot’s latest numbers suggest a company that is stable enough to keep operating, but not yet consistently profitable. Investors should watch for continued improvement in operating cash flow, lower interest costs, and whether quarterly revenue can hold up without another large swing in debt-driven financing activity.

07/25/26 04:26 PM ETAI Generated. May Contain Errors.

loanDepot Financials - Frequently Asked Questions

According to the most recent income statement we have on file, loanDepot's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

loanDepot's net income appears to be on a downward trend, with a most recent value of -$107.53 million in 2025, falling from $34.42 million in 2019. The previous period was -$202.15 million in 2024. Find out what analysts predict for loanDepot in the coming months.

loanDepot's total operating income in 2025 was -$38.70 million, based on the following breakdown:
  • Total Gross Profit: $630.06 million
  • Total Operating Expenses: $668.75 million

Over the last 6 years, loanDepot's total revenue changed from $1.50 billion in 2019 to $1.27 billion in 2025, a change of -15.2%.

loanDepot's total liabilities were at $6.47 billion at the end of 2025, a 10.9% increase from 2024, and a 29.9% decrease since 2020.

In the past 5 years, loanDepot's cash and equivalents has ranged from $284.22 million in 2020 to $863.96 million in 2022, and is currently $337.23 million as of their latest financial filing in 2025.

Over the last 6 years, loanDepot's book value per share changed from 0.00 in 2019 to 0.70 in 2025, a change of 70.4%.


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Financial statements for NYSE:LDI last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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