Stock Ratings / Financials / LDI / earnings

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

loanDepot Inc. (Class A) (LDI) Next Earnings Date & Expected ±12.5% Move

$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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on LDI Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is LDI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does LDI compare to BGIN and PNNT in the Financials sector?

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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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for LDI?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — 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:

🛡️ 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 →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±12.5% Swing Band

±$0.07 Expected Swing

MODEL EARNINGS SETUP GAUGE

LDI Quantitative Pre-Earnings Setup: 39/100

Trailing EPS: $4.25 • YoY Revenue Growth: 12.4%

Model Bullish Setup (39/100)Model Risk Weight (61/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$0	-$107.5M	-$734.6M	52%
FY 2024	2024-12-31	$0	-$202.2M	-$884.7M	52%
FY 2023	2023-12-31	$0	-$235.5M	-$174.2M	52%

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

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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?

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

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

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

When is LDI's next earnings date?

Based on SEC filing cadence, loanDepot Inc. (Class A) (LDI)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is LDI stock expected to move on earnings?

Volatility modeling currently projects a ±12.5% event move for LDI, spanning a range between $1 and $0.67.

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