Loandepot Financials

LDI Stock  USD 2.31  0.11  4.55%   
Based on the key indicators related to Loandepot's liquidity, profitability, solvency, and operating efficiency, Loandepot is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December. As of now, Loandepot's Total Stockholder Equity is increasing as compared to previous years. The Loandepot's current Property Plant And Equipment Net is estimated to increase to about 117.2 M, while Other Current Liabilities is projected to decrease to (2.9 B). Key indicators impacting Loandepot's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio6.6212.0059
Way Down
Pretty Stable
Current Ratio0.450.49
Significantly Down
Very volatile
The financial analysis of Loandepot is a critical element in measuring its lifeblood. Investors should not minimize Loandepot's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Cash And Equivalents

242.76 Million

  
Understanding current and past Loandepot Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Loandepot's financial statements are interrelated, with each one affecting the others. For example, an increase in Loandepot's assets may result in an increase in income on the income statement.

Loandepot Stock Summary

Loandepot competes with CNFinance Holdings, Security National, Encore Capital, UWM Holdings, and Mr Cooper. loanDepot, Inc. engages in originating, financing, selling, and servicing residential mortgage loans in the United States. The company was founded in 2010 and is headquartered in Foothill Ranch, California. Loandepot Inc operates under Mortgage Finance classification in the United States and is traded on New York Stock Exchange. It employs 6121 people.
Specialization
Financial Services, Mortgage Finance
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS53946R1068
CUSIP53946R106
LocationCalifornia; U.S.A
Business Address6561 Irvine Center
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.loandepot.com
Phone888 337 6888
CurrencyUSD - US Dollar

Loandepot Key Financial Ratios

Loandepot Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets5.0B10.9B11.8B7.1B6.2B6.4B
Retained Earnings219.4M0.0(29.0M)(342.1M)(451.7M)(429.1M)
Cash73.3M284.2M419.6M864.0M660.7M340.6M
Other Assets4.1B9.1B9.0B6.0B5.4B4.9B
Net Receivables121.0M138.1M56.2M145.3M76.8M120.0M
Other Current Assets(238.5M)(626.8M)(676.8M)(1.1B)(822.7M)(781.5M)
Total Liab4.6B9.2B10.2B5.7B5.4B5.6B
Total Current Assets194.3M422.3M475.8M1.0B660.7M788.6M
Short Term Debt3.5B6.6B7.5B2.1B2.7B3.3B
Intangible Assets450.1M1.1B2.0B2.0B2.0B1.0B
Other Liab50.4M64.6M249.9M212.7M244.7M169.9M
Net Tangible Assets(61.1M)(60.0M)1.6B433.5M498.5M451.6M
Accounts Payable88.0M135.9M181.2M226.9M168.2M157.8M
Long Term Debt577.1M712.5M1.6B2.3B1.3B1.2B
Long Term Debt Total4.1B7.3B9.1B4.5B5.2B6.1B

Loandepot Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense171.6M179.4M298.0M275.0M304.2M156.0M
Total Revenue1.2B4.1B3.5B1.0B739.3M702.3M
Gross Profit938.8M4.1B3.4B975.6M715.8M680.0M
Operating Income1.2B4.1B156.9M(56.9M)(23.5M)(22.3M)
Ebit1.2B2.2B(3.8B)(2.2B)(78.9M)(82.9M)
Ebitda1.3B4.4B192.4M(14.7M)(23.5M)(22.3M)
Income Before Tax32.7M2.0B666.5M(690.0M)(278.3M)(264.4M)
Net Income34.4M2.0B623.1M(610.4M)(110.1M)(104.6M)
Income Tax Expense(1.7M)2.2M43.4M(79.6M)(42.8M)(40.7M)
Tax Provision(1.7M)2.2M43.4M(79.6M)(44.9M)(42.7M)
Interest Income127.6M142.9M262.5M200.2M131.6M157.4M
Cost Of Revenue272.2M39.3M38.4M35.3M23.5M22.3M
Net Interest Income(44.1M)(36.6M)(35.5M)(74.8M)(158.7M)(150.8M)

Loandepot Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash3.5M371.2M131.9M359.9M(234.6M)(222.9M)
Free Cash Flow(1.5B)(2.1B)(1.5B)4.4B(194.8M)(204.6M)
Depreciation61.3M60.7M58.2M63.0M55.4M47.0M
Other Non Cash Items(521.4M)(381.6M)(2.2B)5.2B(81.6M)(77.5M)
Dividends Paid7.6M643.1M463.3M119.3M3.0M2.8M
Capital Expenditures12.6M33.9M54.1M43.2M20.6M33.6M
Net Income34.4M2.0B623.1M(610.4M)(110.1M)(104.6M)
End Period Cash Flow117.5M488.7M620.6M980.5M745.9M395.2M
Net Borrowings1.4B3.2B1.8B(4.6B)(4.2B)(4.0B)
Change To Netincome(1.6B)(4.3B)463.4M(150.0M)(172.5M)(181.1M)

Loandepot Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Loandepot's current stock value. Our valuation model uses many indicators to compare Loandepot value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Loandepot competition to find correlations between indicators driving Loandepot's intrinsic value. More Info.
Loandepot is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers . As of now, Loandepot's Return On Equity is decreasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Loandepot's earnings, one of the primary drivers of an investment's value.

Loandepot Systematic Risk

Loandepot's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Loandepot volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Execute Function
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on Loandepot correlated with the market. If Beta is less than 0 Loandepot generally moves in the opposite direction as compared to the market. If Loandepot Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Loandepot is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Loandepot is generally in the same direction as the market. If Beta > 1 Loandepot moves generally in the same direction as, but more than the movement of the benchmark.

Loandepot Thematic Clasifications

Loandepot is part of Rentals investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Rental and leasing services. Companies providing rental and leasing services to public and business
RentalsView
This theme covers Rental and leasing services. Companies providing rental and leasing services to public and business. Get More Thematic Ideas
Today, most investors in Loandepot Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Loandepot's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Loandepot growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.07

As of now, Loandepot's Price Earnings To Growth Ratio is increasing as compared to previous years.

Loandepot November 26, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Loandepot help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Loandepot. We use our internally-developed statistical techniques to arrive at the intrinsic value of Loandepot based on widely used predictive technical indicators. In general, we focus on analyzing Loandepot Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Loandepot's daily price indicators and compare them against related drivers.

Complementary Tools for Loandepot Stock analysis

When running Loandepot's price analysis, check to measure Loandepot's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Loandepot is operating at the current time. Most of Loandepot's value examination focuses on studying past and present price action to predict the probability of Loandepot's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Loandepot's price. Additionally, you may evaluate how the addition of Loandepot to your portfolios can decrease your overall portfolio volatility.
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