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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±12.5% realized swing band)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 1/9
Capital intensity & 0% operating margin leave 16 pts on the table
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.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($0.70) and Max Pain ($0.63) 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) dropped -3.16% to $0.60, 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.
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. +6.0% 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 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 → |
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 | — | — |
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.
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).
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.
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).
Why LDI Stock dropped -3.16% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (-28% return on capital) under elevated 10-year interest-rate pressure.
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