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v0.1
LDI$1.26-4.55%
Fair $1.26+0.0%

LDI

loanDepot, Inc.

Financial Services / Mortgage FinanceNYSE

$1.26

-0.06 (-4.55%)

Fairly Valued+0.0%Fair Value $1.26Fund rank 21/100 · Data gapFallback financials|
SA 3/F
F-Score: 3/9
High DebtLow Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 0.0/100

Data gap 21/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 20/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

3/100

F

Piotroski

3/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 7Warnings: 2unknown: 7
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. Debt-to-Equity ratio is 21.14, above the 2.0 threshold ROE is -26.7%, below the 5% threshold
Thesis & Journal · LDILocal privado en este navegador · loanDepot, Inc.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$817M

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

-26.7%

↓

Gross Margin

N/A

•

Debt/Equity

21.14

↑
52-Week Range$1
$1$5

TradingView lightweight chart

LDI price, volumen y niveles de valoración

Último $1.260Periodo -94.3%
Fair value: $1.260

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2019–2025 · 6 años de histórico normalizado

Revenue CAGR

-6.4%

FCF CAGR

—

FCF margin

-81.9%

FCF / Net income

11.73x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $896.6M · net income $-62.6M · FCF $-734.6M

2019-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

-7.0%-7.0% pts

FCF margin

-81.9%+31.0% pts
MetricTTM
2025
2024
2023
2022
2021
2020
2019
Income Statement
Revenue$896.6M$896.6M$743.7M$711.6M$1.08B$3.72B$4.31B$1.34B
Net Income$-62.6M$-62.6M$-98.3M$-110.1M$-273.0M$113.5M$0.00$0.00
EPS-0.30-0.30-0.53-0.63-1.750.87——
Net Margin-7.0%-7.0%-13.2%-15.5%-25.2%3.0%0.0%0.0%
Balance Sheet
Debt/Equity21.1421.1415.9611.8810.38———
Current Ratio1.181.18——————
Cash Flow
Free Cash Flow$-734.6M$-734.6M$-884.7M$-194.8M$4.42B$-1.52B$-2.06B$-1.51B
Returns
ROE-26.7%-26.7%-36.0%-31.2%-63.0%———
Valuation
P/B1.131.131.281.600.74———
Growth & Yield
Revenue Growth20.6%20.6%4.5%-34.4%—-13.6%222.5%—
EPS Growth43.4%43.4%15.9%64.0%————

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -3.8%

Total return

-3.8%

Start / end P/E

n/dx → n/dx

EPS bridge

-0.53 → -0.30

Residual

-3.8%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term-3.8%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.