loanDepot, Inc. (LDI) Key Metrics
LDI valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $237.5M
- Enterprise value
- $5.90B
- P/E (TTM)
- —
- Forward P/E
- 112.4
- PEG ratio
- —
- Price / sales
- 0.2 10-yr median 0.3
- Price / book
- 1.1 10-yr median 1.4
- EV / EBITDA
- —
- Dividend yield
- —
- Beta
- 3.15
LDI key metrics, 2014–2025
Fiscal year ended December 31, 2025 · U.S. dollarsLDI valuation Price multiples at each fiscal year-end price.
LDI returns How much profit the business earns on the capital it uses.
LDI per-share figures Results divided by the shares outstanding at year-end.
LDI financial health Debt, liquidity and how easily interest is covered.
LDI efficiency & capital use Working capital cycle and where the cash goes.
LDI valuation history
LDI returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
LDI debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
LDI cash returned to shareholders
LDI price vs earnings per share
LDI key metrics
2014–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $436.8M | $378.7M | $615.7M | $257.5M | $659.0M | — | — | — | — | — |
| Enterprise value | $5.14B | $5.39B | $4.94B | $6.04B | $16.78B | — | — | — | — | — |
| P/E ratio | — | — | — | — | 5.8 | — | — | — | — | — |
| Price / sales | 0.3 | 0.3 | 0.6 | 0.2 | 0.2 | — | — | — | — | — |
| Price / book | 1.9 | 1.4 | 1.7 | 0.2 | 0.4 | — | — | — | — | — |
| Price / free cash flow | — | — | — | 0.1 | — | — | — | — | — | — |
| Price / operating cash flow | — | — | — | 0.1 | — | — | — | — | — | — |
| EV / sales | 3.3 | 4.8 | 4.7 | 4.3 | 4.5 | — | — | — | — | — |
| EV / EBITDA | 21.4 | — | — | — | 23.2 | — | — | — | — | — |
| EV / free cash flow | — | — | — | 1.4 | — | — | — | — | — | — |
| Earnings yield | −14.3% | −26.0% | −17.9% | −106.0% | 17.2% | — | — | — | — | — |
| Free cash flow yield | −168.2% | −233.6% | −31.6% | 1,715.9% | −230.6% | — | — | — | — | — |
| Dividend yield | 0.6% | 0.9% | 0.5% | 46.3% | 70.3% | — | — | — | — | — |
| Shareholder yield (dividends + buybacks) | 2.7% | 1.9% | 1.0% | 46.5% | 72.3% | — | — | — | — | — |
| Share price at fiscal year-end | $2.07 | $2.04 | $3.52 | $1.65 | $4.80 | — | — | — | — | — |
| Per share | ||||||||||
| Revenue per share | $7.28 | $6.02 | $5.97 | $9.05 | $27.37 | $34.39 | $10.94 | $7.70 | $11.18 | $3.54 |
| Earnings per share | −$0.30 | −$0.53 | −$0.63 | −$1.75 | $0.83 | $15.93 | $0.27 | −$0.70 | $0.20 | $0.15 |
| Operating cash flow per share | −$3.35 | −$4.62 | −$1.00 | $28.59 | −$10.68 | −$16.07 | −$11.85 | −$2.92 | −$3.28 | −$2.14 |
| Free cash flow per share | −$3.48 | −$4.77 | −$1.11 | $28.31 | −$11.07 | −$16.34 | −$11.95 | −$3.19 | −$3.55 | −$2.26 |
| Cash per share | $1.60 | $2.27 | $3.78 | $5.54 | $3.06 | $2.25 | $0.58 | $0.72 | — | $0.19 |
| Book value per share | $1.11 | $1.47 | $2.02 | $9.03 | $11.65 | $13.11 | $2.98 | $2.37 | — | $0.82 |
| Tangible book value per share | −$6.75 | −$7.33 | −$9.41 | −$4.02 | −$3.27 | $3.85 | −$0.91 | $2.07 | — | $0.72 |
| Dividends per share | $0.01 | $0.02 | $0.02 | $0.76 | $3.37 | $5.09 | $0.06 | $0.04 | $0.25 | $0.06 |
| Capex per share | $0.13 | $0.14 | $0.12 | $0.28 | $0.39 | $0.27 | $0.10 | $0.28 | $0.27 | $0.12 |
| Debt per share | $23.87 | $29.27 | $28.48 | $42.62 | $120.49 | $109.79 | $59.95 | $18.50 | — | $7.16 |
| Shares outstanding | 211.0M | 185.6M | 174.9M | 156.0M | 137.3M | 126.3M | 126.3M | 147.1M | 147.1M | 147.1M |
| Change in shares outstanding | +13.7% | +6.1% | +12.1% | +13.7% | +8.7% | 0.0% | −14.1% | 0.0% | 0.0% | 0.0% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | −24.7% | −31.4% | −12.5% | −18.1% | 7.0% | 198.1% | 9.5% | −29.5% | — | 19.8% |
| Return on invested capital (ROIC) | 3.1% | −3.9% | −3.7% | −4.4% | 3.8% | 17.4% | 0.6% | −2.8% | — | 2.2% |
| Return on assets (ROA) | −0.9% | −1.6% | −1.7% | −2.9% | 1.0% | 25.4% | 0.8% | −3.0% | — | 1.8% |
| Return on tangible assets | −1.2% | −2.1% | −2.7% | −5.4% | 1.2% | 20.7% | 0.8% | −3.0% | — | 1.6% |
| Free cash flow margin | −47.8% | −79.2% | −18.7% | 312.8% | −40.5% | −47.5% | −109.2% | −41.5% | −31.8% | −63.9% |
| Income quality (OCF / net income) | — | — | — | — | −12.91 | −1.01 | −43.50 | — | −16.18 | −14.51 |
| Financial health | ||||||||||
| Total debt | $5.04B | $5.43B | $4.98B | $6.65B | $16.54B | $13.87B | $7.57B | $2.72B | — | $1.05B |
| Cash & short-term investments | $337.2M | $421.6M | $660.7M | $864.0M | $419.6M | $284.2M | $73.3M | $105.7M | — | $28.6M |
| Net debt | $4.70B | $5.01B | $4.32B | $5.79B | $16.12B | $13.59B | $7.50B | $2.61B | — | $1.02B |
| Debt / equity | 21.48 | 19.91 | 14.11 | 4.72 | 10.34 | 8.37 | 20.15 | 7.80 | — | 8.78 |
| Debt / assets | 0.73 | 0.86 | 0.81 | 0.94 | 1.40 | 1.27 | 1.53 | 0.79 | — | 0.77 |
| Net debt / EBITDA | 19.60 | — | — | — | 22.25 | 6.54 | 79.79 | — | — | 30.22 |
| Current ratio | 0.12 | 0.18 | 0.31 | 0.43 | 0.06 | 0.06 | 0.05 | 5.11 | — | 0.06 |
| Quick ratio | 0.12 | 0.18 | 0.31 | −0.05 | −0.03 | −0.03 | −0.01 | 11.48 | — | 1.40 |
| Interest coverage | 0.6 | -0.7 | -0.9 | -2.5 | 2.2 | 11.2 | 0.2 | -0.7 | — | 0.8 |
| Working capital | −$2.57B | −$3.05B | −$2.04B | −$1.36B | −$7.16B | −$6.29B | −$3.38B | $2.31B | — | −$961.8M |
| Invested capital | $4.93B | $5.28B | $4.67B | $7.20B | $17.72B | $15.24B | $7.88B | $2.96B | — | $1.14B |
| Tangible asset value | −$1.27B | −$1.13B | −$1.30B | −$628.0M | −$449.0M | $485.9M | −$114.9M | $304.9M | — | $105.3M |
| Net current asset value | −$6.13B | −$5.18B | −$4.53B | −$4.68B | −$9.71B | −$8.81B | −$4.38B | −$216.0M | — | −$1.19B |
| Graham number | — | — | — | — | $14.73 | $68.57 | $4.27 | — | — | $1.65 |
| Graham net-net per share | −$28.95 | −$28.84 | −$26.91 | −$26.61 | −$68.34 | −$67.56 | −$33.98 | −$30.89 | — | −$12.87 |
| Capital allocation | ||||||||||
| Dividends paid | $2.5M | $3.3M | $3.0M | $119.3M | $463.3M | $643.1M | $7.6M | $6.2M | $37.2M | $8.2M |
| Share buybacks (net) | $9.3M | $3.8M | $3.2M | $430,000 | $12.9M | $220,000 | $5,000 | $76,000 | $0 | $715,000 |
| Dividend payout ratio | — | — | — | — | 408.1% | 31.9% | 22.1% | — | 124.8% | 37.8% |
| Dividends + buybacks / free cash flow | — | — | — | 2.7% | — | — | — | — | — | — |
| Capex / revenue | 1.8% | 2.4% | 2.0% | 3.1% | 1.4% | 0.8% | 0.9% | 3.6% | 2.4% | 3.5% |
| Capex / operating cash flow | — | — | — | 1.0% | — | — | — | — | — | — |
| Capex / depreciation | 0.74 | 0.56 | 0.37 | 0.69 | 0.93 | 0.56 | 0.20 | 1.12 | 1.25 | 1.54 |
| Stock-based compensation / revenue | 0.8% | 2.2% | 2.1% | 1.5% | 1.8% | 0.2% | 0.0% | 0.2% | 0.2% | 1.0% |
| R&D / revenue | — | 2.5% | 2.7% | 1.4% | 0.3% | 0.3% | 0.8% | 0.0% | 0.0% | 0.0% |
| SG&A / revenue | 21.1% | 83.9% | 88.0% | 108.3% | 69.5% | 45.3% | 76.2% | 85.5% | 19.9% | 85.0% |
| Efficiency | ||||||||||
| Days sales outstanding | 14.1 | 30.9 | 44.0 | 26.0 | 9.4 | 10.9 | 56.1 | 98.0 | — | 11.0 |
| Days of inventory on hand | — | — | — | 798.6 | 779.5 | 768.8 | -3,377.5 | -9,118.3 | — | -8,204.6 |
| Days payables outstanding | 343.5 | 197.1 | 230.8 | 180.8 | 189.6 | 198.9 | 150.4 | 154.5 | — | — |
| Cash conversion cycle (days) | -329.4 | -166.2 | -186.8 | 643.8 | 599.4 | 580.8 | -3,471.9 | -9,174.8 | — | — |
| Receivables turnover | 25.97 | 11.82 | 8.30 | 14.02 | 38.67 | 33.53 | 6.50 | 3.72 | — | 33.04 |
| Payables turnover | 1.06 | 1.85 | 1.58 | 2.02 | 1.93 | 1.83 | 2.43 | 2.36 | — | — |
| Inventory turnover | — | — | — | 0.46 | 0.47 | 0.47 | — | — | — | — |
| Asset turnover | 0.23 | 0.18 | 0.16 | 0.15 | 0.33 | 0.55 | 0.33 | 0.33 | — | 0.43 |
| Average receivables | $59.2M | $94.5M | $125.8M | $100.7M | $97.2M | $129.6M | $212.6M | $304.1M | — | $15.8M |
| Average payables | $168.6M | $177.9M | $197.5M | $204.0M | $158.5M | $111.9M | $74.3M | $60.6M | — | — |
| Average inventory | — | — | — | $901.3M | $651.8M | $432.7M | −$1.67B | −$3.58B | — | −$649.5M |
| Intangibles / total assets | 24.2% | 25.8% | 32.5% | 28.7% | 17.4% | 10.7% | 9.9% | 1.3% | — | 1.1% |
Computed from LDI's annual financial statements (latest annual report filed March 12, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
LDI valuation and financial ratios
loanDepot earned a return on equity of −24.7% and a return on invested capital of 3.1% in fiscal 2025. It ended the year with $5.0 billion of debt and $337.2 million in cash and short-term investments, net debt of $4.7 billion. It returned $11.8 million to shareholders: $2.5 million in dividends and $9.3 million in share buybacks. The share count rose 43.5% from 147.1M to 211.0M over 9 years.
See the LDI income statement, the LDI chart for price history, or the LDI stock overview for the latest quote and news.
LDI key metrics FAQ
What is loanDepot's EV/EBITDA?
loanDepot's enterprise value was 21.4 times EBITDA at the end of fiscal 2025 (enterprise value $5.1 billion, EBITDA $239.8 million).
What is loanDepot's return on equity?
loanDepot's return on equity (ROE) was −24.7% in fiscal 2025: net income of -$62.6 million on average shareholders' equity of $253.7 million.
What is loanDepot's ROIC?
loanDepot's return on invested capital was 3.1% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does loanDepot have?
loanDepot had total debt of $5.0 billion at the end of fiscal 2025, a debt-to-equity ratio of 21.48 and $4.7 billion of net debt (19.60 times EBITDA).
What is loanDepot's dividend yield?
loanDepot paid $2.5 million in dividends in fiscal 2025 ($0.01 per share), a payout ratio of —.
Does loanDepot buy back its shares?
Yes. loanDepot spent $9.3 million on net share repurchases in fiscal 2025 Shares outstanding changed +13.7% over the year, to 211.0M..
What is loanDepot's free cash flow yield?
loanDepot generated -$734.6 million of free cash flow in fiscal 2025, a free cash flow yield of −168.2% on its market value at year-end ($436.8 million).
What is loanDepot's current ratio?
loanDepot's current ratio was 0.12 at the end of fiscal 2025: current assets were 0.12 times current liabilities.