loanDepot, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from loanDepot, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Net Worth Ratio: Goodwill and other intangibles are larger than its whole net worth, so its tangible net worth is negative. Less tangible than almost all Financial Services companies in United States.
- Shareholder Slice Ratio: Share count rose 97% in 3 years, so each share's slice of the company became smaller. Bigger rise in share count than 92% of Financial Services companies in United States.
- Tangible Assets Ratio: Of every $100 the company owns, $76 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. Less tangible than 87% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 3/3Sales grew in 2 of the last 3 years; profit grew in 3 of 3.
Steadier than 79% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales fell 17%
Sales fell 17% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-17% / +4%In 3 years sales changed by -17% while total assets changed by +4%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
76%Of every $100 the company owns, $76 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 87% of Financial Services companies in United States.
Tangible Net Worth Ratio
NegativeGoodwill and other intangibles are larger than its whole net worth, so its tangible net worth is negative.
Less tangible than almost all Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
loanDepot, Inc. made a loss over the last year. loanDepot, Inc. owes $0.95 for every $1 it owns. loanDepot, Inc. made a loss in each of the last two years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
LossloanDepot, Inc. made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
1.27The share price is 1.27 times loanDepot, Inc.'s book value per share, lower than 52% of Financial Services companies in United States.
Market cap
$255 MThe total market value of all of loanDepot, Inc.'s shares at today's price (share price × number of shares), smaller than 77% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$201 MWhat loanDepot, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$0.45Net worth divided by the number of shares. The share price of $0.57 is 1.3 times this, which is the P/B above.
Return on equity (ROE)
-26.7%loanDepot, Inc. lost 26.7% of its shareholders' money over the last year, lower than 93% of Financial Services companies in United States.
Owes vs Owns
0.95×loanDepot, Inc. owes $0.95 for every $1 it owns (high), higher than 95% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneloanDepot, Inc. does not currently pay a dividend.
Revenue growth
+21%Revenue rose 21% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Profit growth
LossloanDepot, Inc. made a loss in each of the last two years.
Profit margin
-7.0%loanDepot, Inc. lost $7 for every $100 of revenue.
Questions
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For loanDepot, Inc.: $255 M ÷ $201 M (30 Jun 2026) = 1.3.
What is loanDepot, Inc.'s return on equity?
loanDepot, Inc. lost 26.7% of its shareholders' money over the last year, lower than 93% of Financial Services companies in United States.
How much does loanDepot, Inc. owe compared with what it owns?
loanDepot, Inc. owes $0.95 for every $1 it owns (high), higher than 95% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does loanDepot, Inc. pay a dividend?
No. loanDepot, Inc. does not currently pay a dividend.
Is loanDepot, Inc.'s revenue growing?
Revenue rose 21% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.