# loanDepot Inc. (LDI) fundamentals

Data as of 2026-11-05. NYSE, United States. Sector: Financial Services / Mortgage Finance. Price $0.63, market value $280 million.

## Valuation
- **P/E (trailing): n/a** (negative earnings). loanDepot Inc. reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 0.2×**. Each dollar of revenue is priced at 0.2×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.7×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: -98.7%**. Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.

## Profitability
- **Net margin: -5.3%**. The company reported a net loss over the last twelve months.
- **Return on equity: -16.2%**. Return on equity is negative because earnings are negative.
- **Return on assets: -0.9%**. Each dollar of assets produces -0.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 12.2%** (3-yr -1.8%/yr, 5-yr -22.7%/yr). Revenue grew 12.2% over the last year, against -22.7% a year compounded over five years: growth is accelerating.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: $337 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. loanDepot Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: underperform** (2 analysts). 2 analysts cover loanDepot Inc.; the consensus is underperform, with an average price target of $1.13 (+79% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -77.1%** (YTD -67.2%, 3-mo -34.7%). The shares are down 77.1% over twelve months including dividends.
- **From 52-week high: -80.6%** (29.8% above the low). Trading 81% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 56**. An RSI of 56 is neutral.
- **Beta (1 yr): 2.28** (volatility 79%). Beta of 2.28 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=LDI · Page: https://foliofundamentals.com/stocks/ldi

Not investment advice.