loanDepot, Inc.

LDI

LDIloanDepot, Inc. US flag

New York Stock Exchange

1.17

USD

-0.08

- -

391.98MMarket Cap

Income Statement (USD)

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	2013 Y	2014 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	314	492	936	1,170	4,084	3,360	1,084	712	744	897
+ Sales & Services Revenue	314	492	936	1,170	4,084	3,360	1,084	712	744	897
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	229	443	968	1,054	1,967	2,612	1,530	919	937	965
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-229	-443	-968	-1,054	-1,967	-2,612	-1,530	-919	-937	-965
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-73	-22	103	-33	-2,015	-667	690	278	243	121
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-73	-22	103	-33	-2,015	-667	690	278	243	121
Pretax Income	73	22	-103	33	2,015	667	-690	-278	-243	-121
- Income Tax Expense (Benefit)	1	1	- -	-2	2	43	-80	-43	-41	-13
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	72	22	-103	34	2,013	623	-610	-236	-202	-108
- Net Extraordinary Losses (Gains)	- -	- -	-206	69	4,026	1,019	-675	-251	-208	-90
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	-206	69	4,026	1,019	-675	-251	-208	-90
Income (Loss) Incl. MI	72	22	103	-34	-2,013	-396	64	15	5	-18
- Minority Interest	- -	- -	103	-34	-2,013	-510	337	125	104	45
Net Income, GAAP	72	22	- -	- -	- -	114	-273	-110	-98	-63
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	72	22	- -	- -	- -	114	-273	-110	-98	-63
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	6	12	36	61	61	58	63	55	47	37
EBITDA Margin (%)	1.84	2.38	3.88	5.24	1.49	1.73	5.81	7.79	6.33	4.08
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	23.04	4.41	- -	- -	- -	3.38	-25.18	-15.48	-13.22	-6.99
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.52	0.13	- -	0.12	5.09	3.55	0.76	0.02	0.02	0.01
Depreciation Expense	6	12	36	61	61	58	63	55	47	37
Basic Weighted Avg Shares	62	62	62	62	126	130	156	175	186	211
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 Weighted Avg Shares	147	147	147	147	126	130	156	175	186	211
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

Balance Sheet (USD)

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	2013 Y	2014 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	41	29	- -	73	284	420	864	661	422	337
+ Cash & Cash Equivalents	41	29	- -	73	284	420	864	661	422	337
+ ST Investments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	13	19	- -	121	138	56	160	106	83	61
+ Accounts Receivable, Net	13	19	- -	47	24	45	80	14	29	25
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	74	114	11	80	92	54	36
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-54	-47	- -	-194	-422	-476	-1,024	-767	-504	-398
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	27	36	- -	143	151	160	129	100	82	86
+ Property, Plant & Equip	37	58	- -	309	353	396	326	335	352	382
- Accumulated Depreciation	10	22	- -	167	202	237	197	234	270	296
+ LT Investments & Receivables	18	17	- -	17	18	91	115	113	106	104
+ LT Investments	18	17	- -	17	18	91	115	113	106	104
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-45	-53	- -	-160	-169	-251	-243	-214	-187	-190
+ Total Intangible Assets	15	15	- -	491	1,171	2,049	2,037	2,000	1,634	1,658
+ Goodwill	11	11	- -	41	41	41	- -	- -	- -	- -
+ Other Intangible Assets	4	4	- -	450	1,130	2,008	2,037	2,000	1,634	1,658
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-60	-68	- -	-650	-1,340	-2,300	-2,281	-2,213	-1,821	-1,848
Total Assets	1,023	1,370	- -	4,953	10,893	11,812	6,610	6,151	6,344	6,858
+ Payables & Accruals	71	81	- -	170	439	424	362	286	319	337
+ Accounts Payable	- -	- -	- -	80	148	174	223	155	153	149
+ Accrued Taxes	- -	- -	- -	- -	2	46	51	58	80	109
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	71	81	- -	89	290	205	89	73	86	79
+ ST Debt	698	939	- -	3,482	6,592	7,719	3,110	1,947	2,377	2,903
+ ST Borrowings	698	939	- -	3,482	6,592	7,719	3,110	1,947	2,377	2,903
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-768	-1,020	- -	-3,651	-7,032	-8,143	-3,473	-2,233	-2,696	-3,240
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-768	-1,020	- -	-3,651	-7,032	-8,143	-3,473	-2,233	-2,696	-3,240
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	86	114	- -	691	787	1,438	1,387	2,247	1,978	2,056
+ LT Borrowings	80	103	- -	577	697	1,366	1,325	2,198	1,945	2,021
+ LT Finance Leases	6	11	- -	114	89	72	62	49	33	35
+ Other LT Liabilities	-86	-114	- -	-691	-787	-1,438	-1,387	-2,247	-1,978	-2,056
+ Accrued Liabilities	- -	- -	- -	19	17	193	122	80	25	4
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-86	-114	- -	-710	-804	-1,631	-1,510	-2,327	-2,003	-2,060
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	924	1,250	- -	4,577	9,237	10,183	5,688	5,447	5,837	6,472
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	1	2	- -	- -	- -	565	789	821	844	879
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	1	2	- -	- -	- -	565	789	821	844	878
- Treasury Stock	- -	- -	- -	- -	- -	13	13	16	20	30
+ Retained Earnings	98	118	- -	- -	- -	-29	-342	-452	-551	-614
+ Other Equity	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Equity Before Minority Interest	99	120	- -	- -	- -	524	433	353	273	235
+ Minority/Non Controlling Interest	- -	- -	- -	376	1,657	1,106	488	351	234	151
Total Equity	99	120	- -	376	1,657	1,629	921	704	507	386
Total Liabilities & Equity	1,023	1,370	- -	4,953	10,893	11,812	6,610	6,151	6,344	6,858
Shares Outstanding	126	126	- -	126	126	137	170	181	196	334
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	6	11	- -	114	89	72	62	49	33	35
Net Debt	737	1,013	- -	3,985	7,006	8,666	3,572	3,484	3,900	4,586
Net Debt to Equity	742.17	844.37	- -	1,060.26	422.89	531.86	387.64	494.6	769.88	1,188.15
Tangible Common Equity Ratio	8.36	7.77	- -	-2.58	5	-4.3	-24.41	-31.2	-23.93	-24.47
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

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	2013 Y	2014 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	72	22	-103	34	2,013	623	-610	-236	-202	-108
+ Depreciation & Amortization	6	12	36	61	61	58	63	55	47	37
+ Non-Cash Items	-289	-362	-230	-1,651	-4,245	-2,073	5,170	23	-738	-598
+ Stock-Based Compensation	2	5	2	- -	9	67	21	22	25	12
+ Deferred Income Taxes	- -	- -	- -	- -	- -	31	-80	-43	-48	-7
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	41	- -	- -	- -
+ Other Non-Cash Adj	-291	-368	-232	-1,651	-4,254	-2,172	5,189	44	-715	-604
+ Chg in Non-Cash Work Cap	-6	14	-133	58	141	-74	-161	-17	35	-38
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	-6	14	-133	58	141	-74	-161	-17	35	-38
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	-217	-315	-429	-1,497	-2,031	-1,466	4,461	-174	-858	-708
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-12	-18	-41	-13	-34	-54	-43	-21	-26	-27
+ Acq of Fixed Prod Assets	-12	-18	-41	-13	-34	-54	-43	-21	-26	-27
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	-1	- -	- -	- -	-13	- -	-3	-4	-9
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	-1	- -	- -	- -	-13	- -	-3	-4	-9
+ Net Change in LT Investment	- -	- -	- -	- -	-1	1	7	6	6	6
+ Dec in LT Investment	- -	- -	- -	- -	- -	2	7	6	6	6
+ Inc in LT Investment	- -	- -	- -	- -	-1	-1	- -	- -	- -	- -
+ Net Cash From Acq & Div	-20	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	-20	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-2	62	544	153	7	350	704	181	508	36
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-34	44	503	141	-28	297	668	166	488	15
+ Dividends Paid	-32	-8	- -	-8	-643	-463	-119	-3	-3	-2
+ Net Cash From Debt	296	259	-172	2,713	6,314	2,678	-9,954	-414	172	589
+ Cash From Debt	8,229	12,910	63,524	88,528	207,663	310,184	118,153	41,433	23,444	24,642
+ Repayments of Debt	-7,934	-12,651	-63,696	-85,815	-201,349	-307,506	-128,107	-41,847	-23,272	-24,052
+ Other Financing Activities	- -	8	115	-1,345	-3,241	-901	5,305	194	-13	-11
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	264	258	-57	1,360	2,430	1,301	-4,769	-226	152	567
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	13	-12	17	4	371	132	360	-235	-219	-126
EBITDA	6	12	36	61	61	58	63	55	47	37
EBITDA Margin (%)	1.84	2.38	3.88	5.24	1.49	1.73	5.81	7.79	6.33	4.08
Free Cash Flow	-229	-333	-470	-1,510	-2,065	-1,520	4,418	-195	-885	-735
Net Cash Paid for Acquisitions	20	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	-229	-333	- -	- -	-2,065	-1,520	- -	- -	- -	- -
Free Cash Flow to Equity	- -	-74	-642	1,203	4,249	1,158	-5,536	-609	-713	-145
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
Price/Free Cash Flow	- -	- -	- -	- -	- -	-0.44	0.06	-4.01	-0.46	-0.64
Cash Flow to Net Income	-3	-14.51	- -	- -	- -	-12.91	-16.34	1.58	8.73	11.29
Capital Expenditures	-12	-18	-41	-13	-34	-54	-43	-21	-26	-27