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PNNT (47) BGIN (25) ZSQR (24) LIEN (34) ⌘ Pro Terminal β†’

loanDepot Inc. (Class A) (LDI) Options Positioning, Max Pain & Unusual Sweeps

$0.61 +4.92% NYSE β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $0.61

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.

ROARABLE E β€’ RED ALERT Cap $195.8M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is LDI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does LDI compare to PNNT and BGIN in the Financials sector?
β–Ό

Within the Financials sector (Finance: Consumer Services), LDI carries a Roarable E (31/100 RQD), trailing P/E of N/A, gross margin of β€”, 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).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for LDI?
β–Ό

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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $0.61 (+0.70%)🧬 Disciplined Float (+0.72% YoY Shares)βš™οΈ Cash Engine: 3/20 (E) β€’ 0% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record Warning: Scores below 50 (31/100 Β· E) historically underperformed SPY in 71% of rolling 90-day windows (-9.4% avg 90D alpha vs SPY β€’ 29.0% hit rate).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERRED ALERT β€’ E
025507510031
3-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw E Β· Rk D-
Cash (3)Whales (7)SEC (10)Macro (7)CEO (5)
Each axis scored 0–20
12M PRICE TARGET CONE-11.5% Base Target
$3 Bull$1 Base$0 Bear
πŸ“¬ FREE LDI RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for LDI)Realized 20D OHLCV Swing Band: Β±12.5%
Deterministic 5-Pillar Attribution (31/100 Composite)
πŸ” WHY LDI SCORES 31/100 (E) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (32% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 1/9

β–² #2 Bullish Driver: Whale & Options Positioning+7/20 pts (23% of score)

20D Institutional Volume Accumulation (Β±12.5% realized swing band)

β–Ό #1 Drag / Risk Factor: Cash Engine Quality4/20 pts (-16 pt drag)

Capital intensity & 0% operating margin leave 16 pts on the table

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
23
Grade E$0.56-3.6% Next Q
Q2 (-2Q)
26
Grade E$0.54+22.2% Next Q
Q3 (-1Q)
28
Grade E$0.66-7.6% Next Q
Current
31
Grade E$0.61-9.4% Hist 90D Ξ±
Trajectory: E (23) β†’ E (31)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a LDI Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

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.

πŸš€ Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($0.69) and Max Pain ($0.64) forces dealer call-delta covering toward $3.40.

πŸš€ Contrarian Squeeze Trigger #3

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.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $LDIβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œLDI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 31%NO 69%Trade / Inspect Odds β†’
CALL VS. PUT WHALE SHARE
β€” (No Active Options Snapshot)
Put/Call Ratio: β€” (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
β€” (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
Β±12.5%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (LDI)

β€” (No Active Options Snapshot) β€” No unusual CBOE strike concentration anomalies recorded in the current database snapshot for LDI.

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring LDI)

  • βœ“Walkthrough of LDI's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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LDI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -59.60%⚑ TESTING RESISTANCE
2026-11-03O $0.60H $0.61L $0.58C $0.61VOL 2.59M
RES: $0.63SUP: $0.38SMA50: $0.69SMA200: $1.27
$2.47$1.93$1.40$0.86$0.32RES $0.63SUP $0.38$0.612026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LDI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ LDI Butterfly Map β†’ + Track LDI β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +8.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on LDI today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for LDI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for LDI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LDI)

Financials Rank #1015 of 1097 βš”οΈ PNNT vs LDI Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (LDI vs. PNNT, BGIN, ZSQR, LIEN)

Industry: Finance: Consumer Services (156 Tracked Issuers)

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 β€” 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 β€” β€” -27.9% +4.92% $195.8M Benchmark Subject
PNNT
PennantPark Investment Corporation
D 47/100 6.0x β€” 7.2% +2.65% $197.2M /pnnt-vs-ldi β†’
BGIN
Bgin Blockchain Limited (Class A)
E 25/100 β€” β€” -35.0% +1.14% $199.1M /bgin-vs-ldi β†’
ZSQR
Z Squared Inc.
E 24/100 β€” β€” -35.0% +2.79% $190.3M /zsqr-vs-ldi β†’
LIEN
Chicago Atlantic BDC Inc.
E 34/100 6.3x β€” 11.0% -0.11% $208.1M /lien-vs-ldi β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001831631 β†—

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 β€”
FY2024 (FY) 2024-12-31 $2.66B -$202.2M -$858.3M -$884.7M $6.34B β€”
FY2023 (FY) 2023-12-31 $1.06B -$235.5M -$174.2M -$174.2M β€” β€”

3. LDI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LDI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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.

How does LDI compare to PNNT and BGIN in the Financials sector?

Within the Financials sector (Finance: Consumer Services), LDI carries a Roarable E (31/100 RQD), trailing P/E of N/A, gross margin of β€”, 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).

What are the biggest fundamental strengths and SEC risk factors for LDI?

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.

Where is LDI trading relative to its 50-day, 200-day, and 52-week technical levels?

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 Β±12.5% ($1.00 to $0.69).

Direct Sub-Reports: LDI RQD Cockpit LDI 12M Forecast LDI Earnings & Move LDI Dividends & DRIP LDI Insiders & 13F LDI Whale Options LDI Profit Sankey LDI News & Why
ROARABLE RATING BRIEF β€’ RQD 31/100 (E) βœ“ SEC XBRL & RQD VERIFIED

LDI β€” loanDepot Inc. (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

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).

  • Fundamental Cash Engine (3/20): Anchored by return on invested capital (ROIC) of -27.9%, gross margin of β€”, operating margin of β€”, and free cash flow yield of β€”.
  • Whale 13F & Options Flow (7/20) + Insider Conviction (5/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (7/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 1/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

. (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.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (E β€’ RQD 31/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of β€” and institutional whale pillar of 7/20. With Fundamental Cash Engine at 3/20 and Institutional Whale Flow at 7/20, sustained execution supports upside toward the upper end of the $0.49 – $3.24 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

β€” 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.

  • Key Question #1: Can LDI sustain or expand its β€” operating margin and -27.9% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.88B and free cash flow of -$734.6M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is LDI's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

LDI Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for loanDepot Inc. (Class A) (LDI) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to LDI Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

LDI Bull vs. Bear Conversation Board β€” What's Your Call at $0.61?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON LDI 🐻 33% BEARISH CONVICTION
1. Pick Your Side on LDI:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER β€’ Growth & Tech Investor πŸ‚ BULLISH 🎯 Target: $0.76 (+31.0%)
πŸ“Œ Pinned Debate

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.

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.

EarningsSniper πŸ‚ BULL

@RedlineAuditor Shorting a 7/20 institutional whale-flow stock at $0.58 is dangerous when funds are rotating into Financials.

RE RedlineAuditor RQD DEBATE OPENER β€’ Accounting Quality Watch 🐻 BEARISH 🎯 Target: $0.43 (-25.9%)
Spot @ $0.58

ROIC of -27.9%, zero FCF yield, and a Piotroski F-Score of 1/9 point to weak cash generation and poor fundamental health.

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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