LDI · Loandepot, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $286.39M | - | $323.32M | $282.54M | $273.62M | - | $314.60M | $265.39M | $222.78M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | $46.88M | - | $45.35M | $39.73M | $44.13M | - | $22.98M | $73.16M | $57.75M | - |
| Total Operating Expenses | $341.50M | - | $333.61M | $314.87M | $319.72M | - | $311.00M | $342.55M | $307.95M | - |
| D&A | $6.33M | - | $6.73M | $6.38M | $7.67M | - | $8.93M | $8.96M | $9.44M | - |
| Operating Income | ($55.11M) | - | ($10.29M) | ($32.33M) | ($46.10M) | - | $3.60M | ($77.16M) | ($85.17M) | - |
| Interest Expense | $43.07M | - | $44.29M | $53.00M | $46.55M | - | $45.13M | $35.68M | $31.67M | - |
| Income Tax | ($171.0K) | - | ($1.55M) | ($7.06M) | ($5.41M) | - | $923.0K | ($11.30M) | ($13.66M) | - |
| Net Income | ($37.49M) | - | ($4.88M) | ($13.39M) | ($21.90M) | - | $1.37M | ($32.21M) | ($34.26M) | - |
| EPS - Basic | - | - | - | - | - | - | $0.01 | ($0.18) | ($0.19) | - |
| EPS - Diluted | - | - | - | - | - | - | $0.01 | ($0.18) | ($0.19) | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $277.42M | $337.23M | $459.16M | $408.62M | $371.48M | $421.58M | $483.05M | $533.15M | $603.66M | $660.71M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $7.25B | $6.86B | $6.24B | $6.21B | $6.42B | $6.34B | $6.42B | $5.94B | $6.19B | $6.15B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $2.11B | $2.10B | $2.09B | $2.06B | $2.02B | $2.03B | $1.96B | $1.98B | $2.31B | $2.27B |
| Total Liabilities | $6.91B | $6.47B | $5.81B | $5.77B | $5.95B | $5.84B | $5.83B | $5.36B | $5.56B | $5.45B |
| Stockholders' Equity | $337.30M | $386.01M | $433.31M | $439.05M | $469.30M | $506.61M | $592.05M | $578.94M | $637.34M | $704.48M |
| Retained Earnings | ($651.75M) | ($614.40M) | ($592.38M) | ($587.52M) | ($573.59M) | ($550.62M) | ($517.37M) | ($518.21M) | ($486.05M) | ($451.71M) |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | ($169.35M) | - | - | - | ($179.89M) | - | - | - | ($278.52M) | - |
| Investing Cash Flow | ($4.78M) | - | - | - | $2.79M | - | - | - | $52.02M | - |
| Financing Cash Flow | $130.29M | - | - | - | $95.60M | - | - | - | $158.65M | - |
| CapEx | $7.85M | - | - | - | $6.80M | - | - | - | $4.76M | - |
| Free Cash Flow | ($177.20M) | - | - | - | ($186.69M) | - | - | - | ($283.29M) | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | -19.2% | - | -3.2% | -11.4% | -16.8% | - | 1.1% | -29.1% | -38.2% | - |
| EBITDA margin | -17.0% | - | -1.1% | -9.2% | -14.0% | - | 4.0% | -25.7% | -34.0% | - |
| Net margin | -13.1% | - | -1.5% | -4.7% | -8.0% | - | 0.4% | -12.1% | -15.4% | - |
| Free cash flow margin | -61.9% | - | - | - | -68.2% | - | - | - | -127.2% | - |
| FCF / Net income | 4.73 | - | - | - | 8.53 | - | - | - | 8.27 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | 16.4% | - | 14.0% | 14.1% | 16.1% | - | 7.3% | 27.6% | 25.9% | - |
| Effective tax rate | - | - | - | - | - | - | 40.3% | - | - | - |
| Return on assets | -0.5% | - | -0.1% | -0.2% | -0.3% | - | 0.0% | -0.5% | -0.6% | - |
| Return on equity | -11.1% | - | -1.1% | -3.0% | -4.7% | - | 0.2% | -5.6% | -5.4% | - |
| Return on invested capital | -1.8% | - | -0.3% | -1.0% | -1.5% | - | 0.1% | -2.4% | -2.3% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 6.27 | 5.44 | 4.83 | 4.70 | 4.30 | 4.00 | 3.31 | 3.41 | 3.63 | 3.23 |
| Debt / Assets | 0.29 | 0.31 | 0.33 | 0.33 | 0.31 | 0.32 | 0.30 | 0.33 | 0.37 | 0.37 |
| Debt / EBITDA | - | - | - | - | - | - | 156.26 | - | - | - |
| Interest coverage | -1.3x | - | -0.2x | -0.6x | -1.0x | - | 0.1x | -2.2x | -2.7x | - |
| Equity multiplier | 21.48 | 17.77 | 14.41 | 14.14 | 13.67 | 12.52 | 10.84 | 10.26 | 9.72 | 8.73 |
| Liabilities / Assets | 0.95 | 0.94 | 0.93 | 0.93 | 0.93 | 0.92 | 0.91 | 0.90 | 0.90 | 0.89 |
| Efficiency | ||||||||||
| Asset turnover | 0.04 | - | 0.05 | 0.05 | 0.04 | - | 0.05 | 0.04 | 0.04 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | - | - | - | - | - | - | 273.0x | - | - | - |
| P / B | - | - | - | - | - | - | 1.5x | 0.5x | 1.3x | - |
| P / S | - | - | - | - | - | - | 2.9x | 1.1x | 3.8x | - |
| EV / EBITDA | - | - | - | - | - | - | 190.2x | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 4.7% | - | 2.8% | 6.5% | 22.8% | - | 18.4% | -2.4% | 7.2% | - |
| Revenue CAGR (3y) | 11.3% | - | 5.6% | -2.9% | -18.4% | - | -30.2% | -30.2% | -22.9% | - |
| Revenue CAGR (5y) | -10.0% | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | -19.5% | - | - | 58.1% | 45.9% | - | - | -32.3% | 20.1% | - |
| Net income growth (YoY) | -71.2% | - | - | 58.4% | 36.1% | - | - | -37.4% | 20.2% | - |
| EPS growth (YoY) | - | - | - | - | - | - | - | -38.5% | 24.0% | - |
| EPS CAGR (3y) | - | - | - | - | - | - | -70.8% | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| FCF growth (YoY) | 5.1% | - | - | - | 34.1% | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | -28.1% | -23.8% | -26.8% | -24.2% | -26.4% | -28.1% | -23.0% | -27.4% | -24.2% | -23.5% |
Peer comparison
Same SIC group: Finance Services
Comparing loanDepot against the 5 most active filers in the same SIC group.
Dividends
$0.00/share trailing 12 months
| Ex-date | Per share |
|---|---|
| Apr 1, 2022 | $0.0800 |
| Dec 31, 2021 | $0.0800 |
| Oct 1, 2021 | $0.0800 |
| Jun 30, 2021 | $0.0800 |
| Apr 30, 2021 | $0.6120 |