loanDepot, Inc. Financial Ratios — LDD Stock

Profitability (USD)

	2013 Y	2014 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	19.78	- -	- -	- -	43.37	-57.05	-28	-31.41	-24.69
Return on Assets (%)	- -	1.81	- -	- -	- -	1	-2.96	-1.73	-1.57	-0.95
Return on Capital (%)	- -	2.11	- -	- -	-29.64	-4	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	23.29	4.51	-11.04	2.79	49.35	19.84	-63.64	-39.11	-32.65	-13.44
Profit Margin (%)	23.04	4.41	- -	- -	- -	3.38	-25.18	-15.48	-13.22	-6.99
Net Income to Common Margin (%)	23.04	4.41	- -	- -	- -	3.38	-25.18	-15.48	-13.22	-6.99
Effective Tax Rate (%)	1.06	2.29	- -	- -	0.11	6.51	- -	- -	- -	- -
Dvd Payout Ratio (%)	44.15	37.83	- -	11.06	15.97	40.9	-12.58	-0.83	-1.07	-1.62
Sustainable Growth Rate (%)	- -	12.3	- -	- -	- -	25.63	-64.23	-28.23	-31.75	-25.09

Credit (USD)

Credit Ratios API ChatGPT

	2013 Y	2014 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	784	1,053	- -	4,173	7,379	9,157	4,498	4,194	4,355	4,958
ST Debt	698	939	- -	3,482	6,592	7,719	3,110	1,947	2,377	2,903
LT Debt	86	114	- -	691	787	1,438	1,387	2,247	1,978	2,056
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.7	8.75	- -	- -	- -	4.43	6.56	5.74	4.3	3.42
Long-Term Debt/Equity (%)	86.72	95.17	- -	183.88	47.5	88.25	150.54	318.99	390.42	532.56
Long-Term Debt/Capital (%)	9.75	9.74	- -	15.2	8.71	13.33	25.6	45.87	40.68	38.47
Long-Term Debt/Total Assets (%)	8.41	8.33	- -	13.96	7.22	12.17	20.99	36.53	31.18	29.98
Total Debt/Equity (%)	789.5	877.55	- -	1,110.11	445.45	562.02	488.09	595.37	859.64	1,284.49
Total Debt/Capital (%)	88.76	89.77	- -	91.74	81.67	84.89	83	85.62	89.58	92.78
Total Debt/Total Assets (%)	76.6	76.83	- -	84.25	67.74	77.52	68.04	68.19	68.65	72.3
Net Debt to Equity	742.17	844.37	- -	1,060.26	422.89	531.86	387.64	494.6	769.88	1,188.15
Net Debt/Capital (%)	87.49	88.54	- -	89.05	80.05	83.59	78.42	82.22	87.84	91.6
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2013 Y	2014 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.7	8.75	- -	- -	- -	4.43	6.56	5.74	4.3	3.42
Long-Term Debt/Equity (%)	86.72	95.17	- -	183.88	47.5	88.25	150.54	318.99	390.42	532.56
Long-Term Debt/Capital (%)	9.75	9.74	- -	15.2	8.71	13.33	25.6	45.87	40.68	38.47
Long-Term Debt/Total Assets (%)	8.41	8.33	- -	13.96	7.22	12.17	20.99	36.53	31.18	29.98
Total Debt/Equity (%)	789.5	877.55	- -	1,110.11	445.45	562.02	488.09	595.37	859.64	1,284.49
Total Debt/Capital (%)	88.76	89.77	- -	91.74	81.67	84.89	83	85.62	89.58	92.78
Total Debt/Total Assets (%)	76.6	76.83	- -	84.25	67.74	77.52	68.04	68.19	68.65	72.3
CFO/Total Liabilities	-23.49	-25.16	- -	-32.72	-21.99	-14.39	78.42	-3.2	-14.7	-10.93
CFO/CapEx	-18.6	-17.47	-10.52	-119.3	-59.89	-27.08	103.23	-8.45	-32.53	-26.11
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2013 Y	2014 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	31.21	- -	- -	115.03	97.34	17.31	15.13	34.73	33.38
Days Sales Outstanding	- -	11.7	- -	- -	3.17	3.75	21.08	24.13	10.51	10.94
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2013 Y	2014 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	683
- Cash & Cash Equivalents	41	29	- -	73	284	420	864	661	422	337
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	376	1,657	1,106	488	351	234	151
+ Total Debt	784	1,053	- -	4,173	7,379	9,157	4,498	4,194	4,355	4,958
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	5,456
Total Capital	883	1,173	- -	4,549	9,036	10,787	5,419	4,899	4,862	5,344
Total Debt/Capital (%)	88.76	89.77	- -	91.74	81.67	84.89	83	85.62	89.58	92.78
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.91
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.08
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	431
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	5,204
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.33
TTM Sales	314	492	936	1,170	4,084	3,360	1,084	712	744	897
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-217	-315	- -	- -	-2,031	-1,466	- -	- -	- -	- -
TTM Free Cash Flow to Firm	-229	-333	- -	- -	-2,065	-1,520	- -	- -	- -	- -

Multiples (USD)

Valuation Multiples API ChatGPT

	2013 Y	2014 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.59
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	5,456
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.03
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.08
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.91
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	3
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.13
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.9
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.48
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.49
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.51
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.48
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.48
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.5
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.52
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.48
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.61
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.63
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.65
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.61
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.6
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.63
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.58
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.11
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.14
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.08
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.04
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.19
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	5,475
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	5,506
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	5,452

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2013 Y	2014 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2013	12/31/2014	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	126	126	7	126	126	137	170	181	196	334
Diluted Weighted Avg Shares	147	147	147	147	126	130	156	175	186	211
Basic Weighted Avg Shares	62	62	62	62	126	130	156	175	186	211
Revenue per Share	5.07	7.95	15.13	18.9	32.32	25.75	6.95	4.07	4.01	4.25
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.17	0.35	- -	- -	- -	0.87	-1.75	-0.63	-0.53	-0.3
Basic EPS from Cont Ops	1.17	0.35	-1.66	0.56	15.93	4.78	-3.91	-1.35	-1.09	-0.51
Diluted EPS, GAAP	0.49	0.15	- -	- -	- -	0.87	-1.75	-0.63	-0.53	-0.3
Diluted EPS from Cont Ops	0.49	0.15	-0.7	0.23	15.93	4.78	-3.91	-1.35	-1.09	-0.51
Dividend per Share	0.52	0.13	- -	0.12	5.09	3.55	0.76	0.02	0.02	0.01
Cash Flow per Share	-3.51	-5.08	-6.93	-24.2	-16.07	-11.23	28.59	-1	-4.62	-3.35
Free Cash Flow per Basic Share	-3.7	-5.37	-7.59	-24.4	-16.34	-11.65	28.32	-1.11	-4.77	-3.48
Cash & Equivalents per Share	0.32	0.23	- -	0.58	2.25	3.06	5.1	3.65	2.15	1.01
Book Value per Share	0.79	0.95	- -	- -	- -	3.81	2.56	1.95	1.39	0.7
Tangible Book Value per Share	0.67	0.83	- -	-3.88	-9.27	-11.11	-9.46	-9.09	-6.94	-4.26