loanDepot, Inc. Financial Ratios — LDI Stock

Profitability (USD)

	2013 Y	2014 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	20.08	- -	- -	- -	- -	- -	- -	- -	- -
Return on Assets (%)	- -	1.81	- -	- -	- -	1	-2.96	-1.73	-1.57	-0.95
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	1.84	2.38	3.88	5.24	1.49	1.73	5.81	7.79	6.33	4.08
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 (%)	- -	12.48	- -	- -	- -	- -	- -	- -	- -	- -

Credit (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 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	135.67	90.04	- -	68.03	121.58	157.47	71.42	75.68	92.43	135.42
Net Debt/EBITDA	127.54	86.64	- -	64.98	115.42	149.02	56.72	62.87	82.78	125.26
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.56	8.62	- -	- -	- -	-0.24	-5.17	-7.34	-8.67	-8.95
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 (%)	9.77	9.75	- -	15.2	8.71	14.05	29.87	54.89	48.98	45.73
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 (%)	88.9	89.91	- -	91.74	81.67	89.48	96.85	102.44	107.84	110.29
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 (%)	87.64	88.68	- -	89.05	80.05	88.29	94.5	101.48	107.83	110.29
EBITDA	6	12	36	61	61	58	63	55	47	37
EBITDA-CapEx	-6	-6	-4	49	27	4	20	35	21	10
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (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
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.56	8.62	- -	- -	- -	-0.24	-5.17	-7.34	-8.67	-8.95
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 (%)	9.77	9.75	- -	15.2	8.71	14.05	29.87	54.89	48.98	45.73
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 (%)	88.9	89.91	- -	91.74	81.67	89.48	96.85	102.44	107.84	110.29
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	0.45	0.48	- -	0.26	0.42	0.38	0.16	0.09	0.03	0.05

Working Capital (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
Accounts Receivable Turnover	- -	31.21	99.79	49.62	115.03	97.34	17.31	15.13	34.73	33.38
Days Sales Outstanding	- -	11.7	3.66	7.36	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)

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	2013 Y	2014 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	- -	- -	626	257	616	379	437
- 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	743	1,024	- -	4,475	8,752	10,470	4,379	4,501	4,546	5,209
Total Capital	882	1,171	- -	4,549	9,036	10,234	4,644	4,094	4,038	4,496
Total Debt/Capital (%)	88.9	89.91	- -	91.74	81.67	89.48	96.85	102.44	107.84	110.29
Total Debt / EV	1.06	1.03	- -	0.93	0.84	0.87	1.03	0.93	0.96	0.95
EV/Sales	2.37	2.08	- -	3.83	2.14	3.12	4.04	6.32	6.11	5.81
EV/EBITDA	128.6	87.59	- -	72.97	144.19	180.04	69.54	81.2	96.49	142.27
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	0.98	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	0.97	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	626	257	616	379	437
Diluted Enterprise Value	743	1,024	- -	4,475	8,752	10,470	4,379	4,501	4,546	5,209
EV per Share	12.01	16.55	- -	72.32	69.27	80.24	28.07	25.73	24.49	24.69
TTM Sales	314	492	936	1,170	4,084	3,360	1,084	712	744	897
TTM EBITDA	6	12	36	61	61	58	63	55	47	37
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-217	-315	-429	-1,497	-2,031	-1,466	4,461	-174	-858	-708
TTM Free Cash Flow to Firm	-205	-297	-388	-1,485	-1,997	-1,412	4,504	-154	-832	-680

Multiples (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
Price/Free Cash Flow	- -	- -	- -	- -	- -	-0.44	0.06	-4.01	-0.46	-0.64
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	743	1,024	- -	4,475	8,752	10,470	4,379	4,501	4,546	5,209
Low Price	- -	- -	- -	- -	- -	4.24	1.25	1.14	1.52	1.01
EV/Sales	2.37	2.08	- -	3.83	2.14	3.12	4.04	6.32	6.11	5.81
EV/EBITDA	128.6	87.59	- -	72.97	144.19	180.04	69.54	81.2	96.49	142.27
Price/Earnings	- -	- -	- -	- -	- -	5.52	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	13.91	-1.45	-3.12	-4.44	-6.72
Price/Earnings High	- -	- -	- -	- -	- -	45.8	-3.18	-5.89	-6.61	-17.01
Price/Earnings Low	- -	- -	- -	- -	- -	4.87	-0.71	-1.81	-2.87	-3.4
Price/Book Value	- -	- -	- -	- -	- -	-21.85	-0.75	-1.36	-0.69	-0.71
Price/Book Value Average	- -	- -	- -	- -	- -	-55.1	-1.16	-0.76	-0.79	-0.69
Price/Book Value High	- -	- -	- -	- -	- -	-181.41	-2.54	-1.44	-1.18	-1.74
Price/Book Value Low	- -	- -	- -	- -	- -	-19.3	-0.57	-0.44	-0.51	-0.35
Price/Tangible Book Value	- -	- -	- -	- -	- -	-1.49	-0.23	-0.48	-0.34	-0.34
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	-3.76	-0.36	-0.26	-0.39	-0.33
Price/Tangible Book Value High	- -	- -	- -	- -	- -	-12.39	-0.78	-0.5	-0.58	-0.84
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	-1.32	-0.17	-0.15	-0.25	-0.17
Price/Sales	- -	- -	- -	- -	- -	0.19	0.24	0.87	0.51	0.49
Price/Sales Average	- -	- -	- -	- -	- -	0.47	0.37	0.48	0.59	0.47
Price/Sales High	- -	- -	- -	- -	- -	1.55	0.8	0.91	0.87	1.19
Price/Sales Low	- -	- -	- -	- -	- -	0.16	0.18	0.28	0.38	0.24
Price/Cash Flow	- -	- -	- -	- -	- -	-0.43	0.06	-3.53	-0.44	-0.62
Price/Cash Flow Average	- -	- -	- -	- -	- -	-1.08	0.09	-1.97	-0.51	-0.59
Price/Cash Flow High	- -	- -	- -	- -	- -	-3.55	0.19	-3.72	-0.76	-1.51
Price/Cash Flow Low	- -	- -	- -	- -	- -	-0.38	0.04	-1.14	-0.33	-0.3
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	-1.12	0.09	-2.23	-0.52	-0.62
Price/Free Cash Flow High	- -	- -	- -	- -	- -	-3.68	0.19	-4.22	-0.78	-1.57
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	-0.39	0.04	-1.3	-0.34	-0.31
EV/Sales Average	2.37	2.08	- -	3.83	2.14	3.4	4.17	5.94	6.19	5.79
EV/Sales High	2.37	2.08	- -	3.83	2.14	4.48	4.6	6.37	6.48	6.51
EV/Sales Low	2.37	2.08	- -	3.83	2.14	3.09	3.98	5.74	5.98	5.56
EV/EBITDA Average	128.6	87.59	- -	72.97	144.19	196.43	71.75	76.29	97.71	141.84
EV/EBITDA High	128.6	87.59	- -	72.97	144.19	258.68	79.25	81.8	102.24	159.45
EV/EBITDA Low	128.6	87.59	- -	72.97	144.19	178.78	68.55	73.69	94.44	136.16
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	4.8	1.65	3.52	2.04	2.07
High Price	- -	- -	- -	- -	- -	39.85	5.57	3.71	3.5	5.05
Enterprise Value Average	743	1,024	- -	4,475	8,752	11,423	4,518	4,228	4,603	5,193
Enterprise Value High	743	1,024	- -	4,475	8,752	15,043	4,991	4,534	4,817	5,838
Enterprise Value Low	743	1,024	- -	4,475	8,752	10,397	4,317	4,084	4,449	4,986

	2013 Y	2014 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	126	126	- -	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	0.09	0.19	0.59	0.99	0.48	0.45	0.4	0.32	0.25	0.17
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	0.66	0.46	- -	1.18	2.25	3.22	5.54	3.78	2.27	1.6
Book Value per Share	1.58	1.91	- -	- -	- -	-0.22	-2.19	-2.58	-2.96	-2.91
Tangible Book Value per Share	1.36	1.7	- -	-1.86	3.85	-3.22	-7.15	-7.41	-6.07	-6.03

loanDepot, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)