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loanDepot, Inc.

  • Market Cap: Micro Cap
  • Industry: Finance
  • ISIN: US53946R1068
USD
0.67
-0.06 (-8.06%)

Sep 23

NYS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Comparison

Company
Score
Quality
Valuation
Financial
Technical
LendingTree, Inc.
Guild Holdings Co.
Consumer Portfolio Services, Inc.
AFC Gamma, Inc.
Waterstone Financial, Inc.
SWK Holdings Corp.
Oportun Financial Corp.
Security National Financial Corp.
loanDepot, Inc.
CPI Card Group, Inc.
Ocwen Financial Corp.

Why is loanDepot, Inc. ?

1
Weak Long Term Fundamental Strength with a -45.67% CAGR growth in Operating Profits
2
Risky -
  • The stock is trading risky as compared to its average historical valuations
  • Over the past year, while the stock has generated a return of 30.52%, its profits have risen by 15.3%
stock-recommendationReal-Time Research Report

Verdict Report

How much should you sell?

  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is loanDepot, Inc. for you?

High Risk, High Return

Absolute
Risk Adjusted
Volatility
loanDepot, Inc.
-79.55%
0.45
88.98%
S&P 500
15.76%
0.70
20.15%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor
Value
Sales Growth (5y)
-23.27%
EBIT Growth (5y)
-37.49%
EBIT to Interest (avg)
2.20
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
15.92%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
30.93%
ROCE (avg)
0
ROE (avg)
26.79%
stock-recommendationValuation

Valuation Scorecard stock-summary

stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary

Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
2.50
EV to EBIT
0.87
EV to EBITDA
0.74
EV to Capital Employed
-1.11
EV to Sales
0.16
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
-26.71%
stock-recommendationTechnicals

Technical key factors

Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
Mildly Bearish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend

Financial Trend Scorecard stock-summary

stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

14What is working for the Company
OPERATING CASH FLOW(Y)

Highest at USD -243.73 MM

INTEREST COVERAGE RATIO(Q)

Highest at 107.07

PRE-TAX PROFIT(Q)

Highest at USD -6.62 MM

NET PROFIT(Q)

Highest at USD -4.53 MM

EPS(Q)

Highest at USD -0.02

-4What is not working for the Company
DEBT-EQUITY RATIO (HY)

Highest at 2,143.43 %

RAW MATERIAL COST(Y)

Grown by 6.42% (YoY

CASH AND EQV(HY)

Lowest at USD 657.03 MM

Here's what is working for loanDepot, Inc.

Operating Cash Flow
Highest at USD -243.73 MM and Grown
In each year in the last three years
MOJO Watch
The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Interest Coverage Ratio
Highest at 107.07
in the last five periods
MOJO Watch
The company's ability to manage interest payments is improving

Operating Profit to Interest

Pre-Tax Profit
At USD -6.62 MM has Grown at 79.57%
over average net sales of the previous four periods of USD -32.39 MM
MOJO Watch
Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit
Highest at USD -6.62 MM
in the last five periods
MOJO Watch
Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit
Highest at USD -4.53 MM
in the last five periods
MOJO Watch
Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit
At USD -4.53 MM has Grown at 76.82%
over average net sales of the previous four periods of USD -19.56 MM
MOJO Watch
Near term Net Profit trend is positive

Net Profit (USD MM)

EPS
Highest at USD -0.02
in the last five periods
MOJO Watch
Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for loanDepot, Inc.

Debt-Equity Ratio
Highest at 2,143.43 % and Grown
In each half year in the last five Semi-Annual periods
MOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio

Cash and Eqv
Lowest at USD 657.03 MM
in the last six Semi-Annual periods
MOJO Watch
Short Term liquidity is deteriorating

Cash and Cash Equivalents

Raw Material Cost
Grown by 6.42% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin

Raw Material Cost as a percentage of Sales

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