Loandepot Inc Financials
This page shows Loandepot Inc (LDI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 7 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Loandepot Inc's revenue grew 12.2% year-over-year to $1.2B, a solid pace of expansion. This earns a growth score of 54/100.
Loandepot Inc has elevated debt relative to equity (D/E of 5.44), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
While Loandepot Inc generated -$707.5M in operating cash flow, capex of $27.1M consumed most of it, leaving -$734.6M in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.
Loandepot Inc generates a -16.2% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100. This is up from -19.4% the prior year.
Loandepot Inc passes 3 of 9 financial strength tests. 1 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Loandepot Inc generates $11.29 in operating cash flow (-$707.5M OCF vs -$62.6M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Key Financial Metrics
Earnings & Revenue
Loandepot Inc generated $1.2B in revenue in fiscal year 2025. This represents an increase of 12.2% from the prior year.
Loandepot Inc reported -$62.6M in net income in fiscal year 2025. This represents an increase of 36.3% from the prior year.
Cash & Balance Sheet
Loandepot Inc generated -$734.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 17.0% from the prior year.
Loandepot Inc held $337.2M in cash against $2.1B in long-term debt as of fiscal year 2025.
Margins & Returns
Loandepot Inc's net profit margin was -5.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 4.0 percentage points from the prior year.
Loandepot Inc's ROE was -16.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 3.2 percentage points from the prior year.
Capital Allocation
Loandepot Inc invested $27.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 2.7% from the prior year.
LDI Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $310.3M-4.0% | $323.3M+14.4% | $282.5M+3.3% | $273.6M+6.3% | $257.5M-18.2% | $314.6M+18.5% | $265.4M+19.1% | $222.8M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $47.9M+5.6% | $45.4M+14.2% | $39.7M-10.0% | $44.1M-12.3% | $50.3M+119.0% | $23.0M-68.6% | $73.2M+26.7% | $57.7M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $43.7M-1.4% | $44.3M+0.7% | $44.0M+1.7% | $43.3M-43.1% | $76.1M+68.6% | $45.1M+26.5% | $35.7M+12.7% | $31.7M |
| Income Tax | $1.0M+165.7% | -$1.6M+78.0% | -$7.1M-30.6% | -$5.4M+67.5% | -$16.7M-1904.7% | $923K+108.2% | -$11.3M+17.2% | -$13.7M |
| Net Income | -$22.5M-360.5% | -$4.9M+63.5% | -$13.4M+38.9% | -$21.9M+34.1% | -$33.2M-2527.6% | $1.4M+104.3% | -$32.2M+6.0% | -$34.3M |
| EPS (Diluted) | N/A | N/A | N/A | N/A | N/A | $0.01+105.6% | $-0.18+5.3% | $-0.19 |
LDI Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $6.9B+9.8% | $6.2B+0.6% | $6.2B-3.2% | $6.4B+1.1% | $6.3B-1.1% | $6.4B+8.0% | $5.9B-4.0% | $6.2B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $337.2M-26.6% | $459.2M+12.4% | $408.6M+10.0% | $371.5M-11.9% | $421.6M-12.7% | $483.0M-9.4% | $533.2M-11.7% | $603.7M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $6.5B+11.4% | $5.8B+0.7% | $5.8B-3.0% | $5.9B+1.9% | $5.8B+0.2% | $5.8B+8.6% | $5.4B-3.5% | $5.6B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $2.1B+0.5% | $2.1B+1.4% | $2.1B+2.2% | $2.0B-0.5% | $2.0B+3.6% | $2.0B-0.9% | $2.0B-14.6% | $2.3B |
| Total Equity | $386.0M-10.9% | $433.3M-1.3% | $439.1M-6.4% | $469.3M-7.4% | $506.6M-14.4% | $592.0M+2.3% | $578.9M-9.2% | $637.3M |
| Retained Earnings | -$614.4M-3.7% | -$592.4M-0.8% | -$587.5M-2.4% | -$573.6M-4.2% | -$550.6M-6.4% | -$517.4M+0.2% | -$518.2M-6.6% | -$486.1M |
LDI Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$638.7M-1571.1% | $43.4M-35.8% | $67.6M+137.6% | -$179.9M-477.3% | $47.7M+113.7% | -$349.2M-25.5% | -$278.3M+0.1% | -$278.5M |
| Capital Expenditures | $9.3M+97.4% | $4.7M-24.1% | $6.2M-8.3% | $6.8M-1.7% | $6.9M-5.0% | $7.3M-2.0% | $7.4M+55.9% | $4.8M |
| Free Cash Flow | -$648.0M-1775.2% | $38.7M-37.0% | $61.4M+132.9% | -$186.7M-558.0% | $40.8M+111.4% | -$356.4M-24.8% | -$285.7M-0.9% | -$283.3M |
| Investing Cash Flow | -$8.4M-173.7% | $11.4M+30.4% | $8.7M+212.1% | $2.8M-90.0% | $28.1M+199.3% | -$28.3M-106.5% | $436.1M+738.3% | $52.0M |
| Financing Cash Flow | $522.2M+7541.8% | -$7.0M+84.0% | -$44.0M-146.0% | $95.6M+175.2% | -$127.2M-139.1% | $324.9M+258.8% | -$204.6M-229.0% | $158.7M |
| Dividends Paid | -$687K-13640.0% | -$5K-100.5% | $1.1M-47.8% | $2.1M+375.9% | $436K-70.0% | $1.5M+219.3% | $455K-50.5% | $919K |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
LDI Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | -7.2%-5.7pp | -1.5%+3.2pp | -4.7%+3.3pp | -8.0%+4.9pp | -12.9%-13.3pp | 0.4%+12.6pp | -12.1%+3.2pp | -15.4% |
| Return on Equity | -5.8%-4.7pp | -1.1%+1.9pp | -3.0%+1.6pp | -4.7%+1.9pp | -6.6%-6.8pp | 0.2%+5.8pp | -5.6%-0.2pp | -5.4% |
| Return on Assets | -0.3%-0.3pp | -0.1%+0.1pp | -0.2%+0.1pp | -0.3%+0.2pp | -0.5%-0.5pp | 0.0%+0.6pp | -0.5%0.0pp | -0.5% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 5.44+0.6 | 4.83+0.1 | 4.70+0.4 | 4.30+0.3 | 4.00+0.7 | 3.31-0.1 | 3.41-0.2 | 3.63 |
| FCF Margin | -208.9%-220.8pp | 12.0%-9.8pp | 21.7%+90.0pp | -68.2%-84.1pp | 15.8%+129.1pp | -113.3%-5.6pp | -107.7%+19.5pp | -127.2% |
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Frequently Asked Questions
What is Loandepot Inc's annual revenue?
Loandepot Inc (LDI) reported $1.2B in total revenue for fiscal year 2025. This represents a 12.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Loandepot Inc's revenue growing?
Loandepot Inc (LDI) revenue grew by 12.2% year-over-year, from $1.1B to $1.2B in fiscal year 2025.
Is Loandepot Inc profitable?
No, Loandepot Inc (LDI) reported a net income of -$62.6M in fiscal year 2025, with a net profit margin of -5.3%.
How much debt does Loandepot Inc have?
As of fiscal year 2025, Loandepot Inc (LDI) had $337.2M in cash and equivalents against $2.1B in long-term debt.
What is Loandepot Inc's net profit margin?
Loandepot Inc (LDI) had a net profit margin of -5.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Loandepot Inc's return on equity (ROE)?
Loandepot Inc (LDI) has a return on equity of -16.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Loandepot Inc's free cash flow?
Loandepot Inc (LDI) generated -$734.6M in free cash flow during fiscal year 2025. This represents a 17.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Loandepot Inc's operating cash flow?
Loandepot Inc (LDI) generated -$707.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Loandepot Inc's total assets?
Loandepot Inc (LDI) had $6.9B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Loandepot Inc's capital expenditures?
Loandepot Inc (LDI) invested $27.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Loandepot Inc's debt-to-equity ratio?
Loandepot Inc (LDI) had a debt-to-equity ratio of 5.44 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Loandepot Inc's return on assets (ROA)?
Loandepot Inc (LDI) had a return on assets of -0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Loandepot Inc's cash runway?
Based on fiscal year 2025 data, Loandepot Inc (LDI) had $337.2M in cash against an annual operating cash burn of $707.5M. This gives an estimated cash runway of approximately 6 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Loandepot Inc's Piotroski F-Score?
Loandepot Inc (LDI) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Loandepot Inc's earnings high quality?
Loandepot Inc (LDI) has an earnings quality ratio of 11.29x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Loandepot Inc?
Loandepot Inc (LDI) scores 13 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.