Compoundeer Logo
COMPOUNDEER
Uncovering Potential
RankingCompaniesDCF
LDI Logo

Loandepot, Inc.

LDI

Finance Services

Mkt Cap

$444.3M

PE

-1.33

Debt

$2.206B

Cash

$832M

EV

$1.818B

FCF

$55.12M

Market Cap

$444.3M

P/E Ratio

-1.33

Debt

$2.206B

Cash

$832M

EV

$1.818B

FCF

$55.12M
Charts data: {"Earnings":[{"time":"2019-12-30","value":0},{"time":"2020-12-30","value":0},{"time":"2021-12-30","value":113524000},{"time":"2022-12-30","value":-610385000}],"Sales":[{"time":"2019-12-30","value":1337131000},{"time":"2020-12-30","value":4312174000},{"time":"2021-12-30","value":3724704000},{"time":"2022-12-30","value":1255796000}],"Net Margins":[{"time":"2019-12-30","value":0},{"time":"2020-12-30","value":0},{"time":"2021-12-30","value":0.030478663539438303},{"time":"2022-12-30","value":-0.4860542635905832}],"Assets":[{"time":"2020-12-30","value":10893228000},{"time":"2021-12-30","value":11812313000},{"time":"2022-12-30","value":6609934000}],"Stockholders Equity":[{"time":"2019-12-30","value":375885000},{"time":"2020-12-30","value":1656613000},{"time":"2021-12-30","value":1629360000},{"time":"2022-12-30","value":921473000}],"ROE":[{"time":"2019-12-30","value":0},{"time":"2020-12-30","value":0},{"time":"2021-12-30","value":0.06967398242254627},{"time":"2022-12-30","value":-0.6624013942893606}],"ROA":[{"time":"2020-12-30","value":0.18501017329298533},{"time":"2021-12-30","value":0.05642561283298199},{"time":"2022-12-30","value":-0.10438485467479705}]}

loanDepot, Inc. engages in originating, financing, selling, and servicing residential mortgage loans in the United States. It offers conventional agency-conforming and prime jumbo, federal assistance residential mortgage, and home equity loans. The company also provides settlement services, which include captive title and escrow business; real estate services that cover captive real estate referral business; and insurance services, including services to homeowners, as well as other consumer insurance policies. loanDepot, Inc. was founded in 2010 and is headquartered in Foothill Ranch, California.

Sector

  • AXP Logo

    AXP

  • CIFR Logo

    CIFR

  • CLSK Logo

    CLSK

  • COIN Logo

    COIN

  • COOP Logo

    COOP

  • CORZQ Logo

    CORZQ

  • FINR Logo

    FINR

  • GDOT Logo

    GDOT

  • GHI Logo

    GHI

  • ML Logo

    ML

  • PWP Logo

    PWP

Growth

%

%

Discount

%

%

Multiple

g\r+10%+11%+12%+13%+14%
0%109887
+1%1110988
+2%13111098
+3%141311109
+4%1714121110
Years012345678910TV
FCF$55.12M$10.27M$1.915M$357K$66.55K$12.4K$2.312K$431$80.34$14.98$2.791$27.91
DCF$8.934M$1.448M$234.7K$38.05K$6.167K$999.6$162$26.26$4.257$0.69$6.9
Value$10.66M

In the chart Earnings are multiplied by this value.

Earnings Growth 300%
Earnings Stability -29%


Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12-201912-202012-202112-2022TTM
Net Margin0%0%3%-49%-36%
ROA-19%5.6%-10%-6.2%
ROE0%0%7%-66%-43%

What is the average Net Margin?

The average Net Margin over the past 5 years is -22.78%.

What is the trend of Net Margin?

The trend of Net Margin over the past 5 years is -51.65%.

What is the average Return on Assets (ROA)?

The average ROA over the past 5 years is -2.4%.

What is the trend of Return on Assets (ROA)?

The trend of ROA over the past 5 years is -16.08%.

What is the average Return on Equity (ROE)?

The average ROE over the past 5 years is -29.64%.

What is the trend of Return on Equity (ROE)?

The trend of ROE over the past 5 years is -73.21%.


Safety & Stabiliy

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12-201912-202012-202112-2022TTM
Debt FCF--0.35-1.070.5240.02
Debt Equity-0.431.002.482.87
MIN
Graham Stability----1.6K%-1.6K%

What is the Debt/FCF?

The Debt/FCF trailing twelve month is 40.02.

What is the trend of Debt/FCF?

The trend of Debt/FCF over the past 5 years is 1.59.

What is the Graham’s Stability?

Graham’s Stability measure stands at -16.13.


Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12-201912-2021Trend
Revenue-2.1%-66%-140%
Net Income---
Stockholders Equity35%-43%-190%
FCF---

What is the 5 year Revenue CAGR?

The Revenue CAGR over the past 5 years is -.

What is the trend of Revenue growth?

The trend of Revenue growth rate over the past 5 years is -144.39%.

What is the 5 year Earnings CAGR?

The Earnings CAGR over the past 5 years is -.

What is the trend of Earnings growth?

The trend of Earnings growth rate over the past 5 years is -.

What is the 5 year Equity CAGR?

The Equity CAGR over the past 5 years is -.

What is the trend of Equity growth?

The trend of Equity growth rate over the past 5 years is -192.08%.

What is the 5 year FCF CAGR?

The FCF CAGR over the past 5 years is -.

What is the trend of FCF growth?

The trend of FCF growth rate over the past 5 years is -.