Stock Ratings / Financials / LDI / dividends

BGIN (39) PNNT (65) LIEN (46) ZSQR (27) ⌘ Pro Terminal →

loanDepot Inc. (Class A) (LDI) Dividend Safety Gauge & 10-Year DRIP Compounder

$0.60 -3.16% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $0.60

loanDepot Inc. (Class A) (LDI) carries a Roarable Rating of D- (Sell) with 39/100 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.

📊 Historical Track Record Warning: Scores below 50 (39/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D- • RED ALERT Cap $202.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $0.60 (-0.76%)🧬 Disciplined Float (+0.72% YoY Shares)⚙️ Cash Engine: 3/20 (E) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (39/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.6% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERRED ALERT • D-

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

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

5-PILLAR SNOWFLAKE RADARRw E · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-8.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LDI)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (39/100 Composite)

🔍 WHY LDI SCORES 39/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+12/20 pts (31% of score)

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

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (26% of score)

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

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

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

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade E$0.56-5.4% Next Q

Q2 (-2Q)

Grade E$0.53+15.1% Next Q

Q3 (-1Q)

Grade E$0.61-1.6% Next Q

Current

Grade D-$0.60-7.6% Hist 90D α

Trajectory: E (31) → D- (39)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a LDI Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While LDI currently carries a cautious 39/100 (D-) rating due to Cash Engine Quality (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($0.70) and Max Pain ($0.63) forces dealer call-delta covering toward $3.40.

🚀 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 $LDI• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “LDI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 39%NO 61%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

3.02% Total Yield

1.22% Cash ($0.01/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

28.3% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $21,589

Est. Year-10 Shareholder Yield: $652/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.8K

Yr 1

$11.7K

Yr 2

$12.6K

Yr 3

$13.6K

Yr 4

$14.7K

Yr 5

$15.9K

Yr 6

$17.1K

Yr 7

$18.5K

Yr 8

$20.0K

Yr 9

$21.6K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

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

✓Walkthrough of LDI's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

LDI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -61.29%⚡ TESTING RESISTANCE

2026-10-30O $0.58H $0.60L $0.56C $0.60VOL 2.59M

RES: $0.65SUP: $0.40SMA50: $0.70SMA200: $1.29

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

🦋 LDI Butterfly Map → + Track LDI →

Share Count & Dilution Monitor (#25)

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

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on LDI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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 →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LDI)

Financials Rank #995 of 1096 ⚔️ BGIN vs LDI Full Matrix →

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

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, loanDepot Inc. (Class A) (LDI) ranks #995 by composite RQD confidence (39/100, grade D-) and #881 by equity capitalization ($202.4M). 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 65/100 (C) compared with LDI at 39/100 (D-).

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)	D-	39/100	—	—	-27.9%	-3.16%	$202.4M	Benchmark Subject
BGIN Bgin Blockchain Limited (Class A)	D-	39/100	—	—	-35.0%	+1.68%	$205.9M	/bgin-vs-ldi →
PNNT PennantPark Investment Corporation	C	65/100	6.0x	—	7.2%	+2.73%	$196.5M	/pnnt-vs-ldi →
LIEN Chicago Atlantic BDC Inc.	D	46/100	6.3x	—	11.0%	+0.33%	$208.8M	/lien-vs-ldi →
ZSQR Z Squared Inc.	E	27/100	—	—	-35.0%	-2.69%	$191.3M	/zsqr-vs-ldi →

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

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001831631

In its most recent audited fiscal period (FY2025, filed 2025-12-31), loanDepot Inc. (Class A) (LDI) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	-$107.5M	-$707.5M	-$734.6M	$6.86B	—
FY2024 (FY)	2024-12-31	$0	-$202.2M	-$858.3M	-$884.7M	$6.34B	—
FY2023 (FY)	2023-12-31	$0	-$235.5M	-$174.2M	-$174.2M	—	—

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-01, loanDepot Inc. (Class A) (NYSE: LDI) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 39/100 at a spot price of $0.60 (-3.16% 1D, market cap $202.4M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 5/20. Across 1096 tracked Financials issuers, LDI ranks #995 in composite RQD confidence.

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

Within the Financials sector (Finance: Consumer Services), LDI carries a Roarable D- (39/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -27.9%. By comparison, BGIN (Bgin Blockchain Limited (Class A)) holds a D- grade (39/100 RQD, P/E N/A, ROIC -35.0%, cap $205.9M) and PNNT (PennantPark Investment Corporation) posts a C grade (65/100 RQD, P/E 6.0x, ROIC 7.2%, cap $196.5M). 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 $0 in revenue, -$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 $0.60 (-3.16% on volume of 2,150,721 shares), positioning the stock -14.29% below its 50-day simple moving average ($0.70) and -53.49% below its 200-day simple moving average ($1.29). Across its 52-week range of $0.49 to $3.24, LDI sits at the 4.0% percentile with a 14-day RSI of 45.3 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.00 to $0.67).

LDI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does LDI pay a dividend and is it safe?

loanDepot Inc. (Class A) (LDI) offers a 1.22% cash dividend yield ($0.01 annualized) and 3.02% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

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