loanDepot, Inc. (LDI) intrinsic value & 10-year financials
loanDepot, Inc. (LDI) has a Graham intrinsic value of $3.48 per share. At $0.53 on Oct 17, 2026, the stock trades 85% below that value. Over the last 8 fiscal years revenue shrank 1.9% a year to $1.2B, with an average return on invested capital of -2.6%.
- Graham intrinsic value
- $3.48
- Share price (Oct 17, 2026)
- $0.53
- Price vs Graham value
- 85% below
- Market cap
- $99.2M
- Revenue (FY2025)
- $1.2B
- Revenue growth (8-yr CAGR)
- -1.9%
- ROIC (10-yr avg)
- -2.6%
- Free cash flow (FY2025)
- -$734.6M
LDI 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $1.2B | -$62.6M | — | -$734.6M | — | -2.9% |
| FY2024 | $1.1B | -$98.3M | — | -$891.8M | — | -4.4% |
| FY2023 | $974.0M | -$110.1M | — | -$194.8M | — | -4.7% |
| FY2022 | $1.3B | -$273.0M | -$1.75 | $4.4B | — | -10.5% |
| FY2021 | $3.7B | $113.5M | $0.87 | -$1.5B | — | 4.6% |
| FY2020 | $4.3B | $0 | — | -$2.1B | — | 0.0% |
| FY2019 | $1.3B | $0 | — | -$1.5B | — | 0.0% |
| FY2018 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
loanDepot, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
loanDepot, Inc. has historically struggled to out-earn its cost of capital, averaging just -3.0% ROIC.
loanDepot, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, loanDepot, Inc. is modeled at -1.9% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $3.48 per share.