loanDepot Inc. (Class A) (LDI) carries a Roarable Rating of E (Strong Sell) with 31/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-03, loanDepot Inc. (Class A) (NYSE: LDI) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 31/100 at a spot price of $0.61 (+4.92% 1D, market cap $195.8M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 5/20. Across 1097 tracked Financials issuers, LDI ranks #1015 in composite RQD confidence.
Within the Financials sector (Finance: Consumer Services), LDI carries a Roarable E (31/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -27.9%. By comparison, PNNT (PennantPark Investment Corporation) holds a D grade (47/100 RQD, P/E 6.0x, ROIC 7.2%, cap $197.2M) and BGIN (Bgin Blockchain Limited (Class A)) posts a E grade (25/100 RQD, P/E N/A, ROIC -35.0%, cap $199.1M). Among the 5-stock peer group, PNNT leads on earnings multiple (6.0x) while LIEN leads on capital efficiency (11.0% ROIC).
Per LDI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001831631), loanDepot Inc. (Class A) generated $2.88B in revenue (+8.1% YoY), -$107.5M in net income, and -$734.6M in free cash flow against $6.86B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 1/9
20D Institutional Volume Accumulation (±12.5% realized swing band)
Capital intensity & 0% operating margin leave 16 pts on the table
While LDI currently carries a cautious 31/100 (E) rating due to Cash Engine Quality (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($0.69) and Max Pain ($0.64) forces dealer call-delta covering toward $3.40.
Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.72% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
loanDepot Inc. (Class A) (LDI) surged +4.92% to $0.61, trading at 4% of its 52-week range ($0.49 – $3.24). Stretched risk/reward at current multiples (-28% return on capital) under elevated 10-year interest-rate pressure.
https://www.siam.in/ report covering loanDepot Inc. (Class A) (LDI) market action, institutional positioning, and fundamental catalysts.
ad-hoc-news.de report covering loanDepot Inc. (Class A) (LDI) market action, institutional positioning, and fundamental catalysts.
ad-hoc-news.de report covering loanDepot Inc. (Class A) (LDI) market action, institutional positioning, and fundamental catalysts.
ad-hoc-news.de report covering loanDepot Inc. (Class A) (LDI) market action, institutional positioning, and fundamental catalysts.
ad-hoc-news.de report covering loanDepot Inc. (Class A) (LDI) market action, institutional positioning, and fundamental catalysts.
ad-hoc-news.de report covering loanDepot Inc. (Class A) (LDI) market action, institutional positioning, and fundamental catalysts.
TipRanks report covering loanDepot Inc. (Class A) (LDI) market action, institutional positioning, and fundamental catalysts.
IRVINE, Calif., October 29, 2026--loanDepot expanded eligibility for its 5x5 HomeLoan. The fully digital HELOC is now available to qualified homeowners in 47 states.
Gainers SoFi Technologies (NASDAQ:SOFI) shares moved upwards by 14.7% to $16.59 during Tuesday's regular session. The company's market cap stands at $18.6 billion. As per the news, the Q3 earnings report came
https://www.whitehouse.gov/fact-sheets/2026/10/fact-sheet-president-donald-j-trump-decreases-housing-costs-for-americans/
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +8.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on LDI today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for LDI. Explore sector supply chains on /butterfly.
Across 1097 tracked Financials securities in the Roarable RQD universe, loanDepot Inc. (Class A) (LDI) ranks #1015 by composite RQD confidence (31/100, grade E) and #885 by equity capitalization ($195.8M). Within this direct 5-issuer industry benchmark cohort, PNNT leads on earnings valuation at 6.0x trailing P/E, while LIEN leads on capital efficiency and profitability with 11.0% ROIC and — gross margin. PNNT currently holds the highest overall quantitative score in the immediate peer group at 47/100 (D) compared with LDI at 31/100 (E).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| LDI
ACTIVE
loanDepot Inc. (Class A) | E | 31/100 | — | — | -27.9% | +4.92% | $195.8M | Benchmark Subject |
| PNNT PennantPark Investment Corporation | D | 47/100 | 6.0x | — | 7.2% | +2.65% | $197.2M | /pnnt-vs-ldi → |
| BGIN Bgin Blockchain Limited (Class A) | E | 25/100 | — | — | -35.0% | +1.14% | $199.1M | /bgin-vs-ldi → |
| ZSQR Z Squared Inc. | E | 24/100 | — | — | -35.0% | +2.79% | $190.3M | /zsqr-vs-ldi → |
| LIEN Chicago Atlantic BDC Inc. | E | 34/100 | 6.3x | — | 11.0% | -0.11% | $208.1M | /lien-vs-ldi → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), loanDepot Inc. (Class A) (LDI) reported GAAP revenue of $2.88B (+8.1% vs. FY2024 revenue of $2.66B , and +171.8% cumulative change since FY2023) , GAAP net income of -$107.5M, operating cash flow of -$707.5M, and free cash flow of -$734.6M (+17.0% YoY). On the balance sheet, LDI closed FY2025 with $6.86B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 1/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $2.88B | -$107.5M | -$707.5M | -$734.6M | $6.86B | — |
| FY2024 (FY) | 2024-12-31 | $2.66B | -$202.2M | -$858.3M | -$884.7M | $6.34B | — |
| FY2023 (FY) | 2023-12-31 | $1.06B | -$235.5M | -$174.2M | -$174.2M | — | — |
As of 2026-11-03, loanDepot Inc. (Class A) (NYSE: LDI) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 31/100 at a spot price of $0.61 (+4.92% 1D, market cap $195.8M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 5/20. Across 1097 tracked Financials issuers, LDI ranks #1015 in composite RQD confidence.
Within the Financials sector (Finance: Consumer Services), LDI carries a Roarable E (31/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -27.9%. By comparison, PNNT (PennantPark Investment Corporation) holds a D grade (47/100 RQD, P/E 6.0x, ROIC 7.2%, cap $197.2M) and BGIN (Bgin Blockchain Limited (Class A)) posts a E grade (25/100 RQD, P/E N/A, ROIC -35.0%, cap $199.1M). Among the 5-stock peer group, PNNT leads on earnings multiple (6.0x) while LIEN leads on capital efficiency (11.0% ROIC).
Per LDI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001831631), loanDepot Inc. (Class A) generated $2.88B in revenue (+8.1% YoY), -$107.5M in net income, and -$734.6M in free cash flow against $6.86B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
LDI last traded at $0.61 (+4.92% on volume of 1,726,059 shares), positioning the stock -11.59% below its 50-day simple moving average ($0.69) and -51.97% below its 200-day simple moving average ($1.27). Across its 52-week range of $0.49 to $3.24, LDI sits at the 4.4% percentile with a 14-day RSI of 45.6 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.00 to $0.69).
loanDepot Inc. (Class A) (LDI) earns a live Roarable RQD composite score of 31/100, corresponding to a E letter grade (Roarable Strong Sell) at a spot price of $0.61 (+4.92% 1D, market capitalization $195.8M).
. (Class A) is a NYSE-listed issuer in the Financials sector, operating in the Finance: Consumer Services industry. The company's market capitalization is $0.2B.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), loanDepot Inc. (Class A) (LDI) reported $2.88B in annual revenue (up from $2.66B in FY2024, +8.1% YoY) and -$107.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.06B revenue, -$235.5M net income) through FY2025, LDI scaled operating cash flow to -$707.5M and free cash flow to -$734.6M, backed by $6.86B in total assets against $0 in total debt.
— for upstream or downstream dependencies, sector correlations, or second-order bottlenecks. A prospective investor should note that the absence of mapped links means this analysis cannot identify ripple effects from the data provided.
Real-time company headlines, analyst actions, and sector developments for loanDepot Inc. (Class A) (LDI) • Click "Debate This Headline" to argue it in the Roar Pit below
https://www.siam.in/ report covering loanDepot Inc. (Class A) (LDI) market action, institutional positioning, and fundamental catalysts.
ad-hoc-news.de report covering loanDepot Inc. (Class A) (LDI) market action, institutional positioning, and fundamental catalysts.
ad-hoc-news.de report covering loanDepot Inc. (Class A) (LDI) market action, institutional positioning, and fundamental catalysts.
ad-hoc-news.de report covering loanDepot Inc. (Class A) (LDI) market action, institutional positioning, and fundamental catalysts.
ad-hoc-news.de report covering loanDepot Inc. (Class A) (LDI) market action, institutional positioning, and fundamental catalysts.
ad-hoc-news.de report covering loanDepot Inc. (Class A) (LDI) market action, institutional positioning, and fundamental catalysts.
TipRanks report covering loanDepot Inc. (Class A) (LDI) market action, institutional positioning, and fundamental catalysts.
IRVINE, Calif., October 29, 2026--loanDepot expanded eligibility for its 5x5 HomeLoan. The fully digital HELOC is now available to qualified homeowners in 47 states.
Don't sleep on LDI's setup in Financials. Net losses narrowed each year from -$235.5M in FY 2023 to -$107.5M in FY 2025, and the stock jumped 8.53% on volume.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (31/100) backs up the fundamental quality.
@RedlineAuditor Shorting a 7/20 institutional whale-flow stock at $0.58 is dangerous when funds are rotating into Financials.
Here is the bear case nobody on the bull side wants to address on LDI: ROIC of -27.9%, zero FCF yield, and a Piotroski F-Score of 1/9 point to weak cash generation and poor fundamental health.. At current EV/EBITDA multiples, even a small guidance miss in Finance: Consumer Services triggers a 12-15% air pocket.
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