Loandepot Inc (LDI) - Net Assets
Based on the latest financial reports, Loandepot Inc (LDI) has net assets worth $433.31 Million USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($6.24 Billion) and total liabilities ($5.81 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Loandepot Inc asset resilience ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $433.31 Million |
| % of Total Assets | 6.94% |
| Annual Growth Rate | 15.97% |
| 5-Year Change | -69.42% |
| 10-Year Change | N/A |
| Growth Volatility | 127.09 |
Loandepot Inc - Net Assets Trend (2013–2024)
This chart illustrates how Loandepot Inc's net assets have evolved over time, based on quarterly financial data. Also explore LDI total asset value for the complete picture of this company's asset base.
Annual Net Assets for Loandepot Inc (2013–2024)
The table below shows the annual net assets of Loandepot Inc from 2013 to 2024. For live valuation and market cap data, see LDI market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $506.61 Million | -28.09% |
| 2023-12-31 | $704.48 Million | -50.02% |
| 2022-12-31 | $1.41 Billion | -11.91% |
| 2021-12-31 | $1.60 Billion | -3.41% |
| 2020-12-31 | $1.66 Billion | +340.72% |
| 2019-12-31 | $375.88 Million | +7.74% |
| 2018-12-31 | $348.89 Million | +190.82% |
| 2014-12-31 | $119.97 Million | +20.83% |
| 2013-12-31 | $99.29 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Loandepot Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 662.9% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $332.00K | 0.12% |
| Other Components | $823.18 Million | 301.65% |
| Total Equity | $272.89 Million | 100.00% |
Loandepot Inc Competitors by Market Cap
The table below lists competitors of Loandepot Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Answer Technology Co Ltd
TW:3528
|
$176.95 Million |
|
Smec Co.Ltd
KQ:099440
|
$176.97 Million |
|
BLE KEDROS REIC EO 1
F:N67
|
$177.01 Million |
|
Jaeren Sparebank
OL:JAREN
|
$177.03 Million |
|
Onward Medical N.V.
BR:ONWD
|
$176.80 Million |
|
Achieve Life Sciences Inc
NASDAQ:ACHV
|
$176.76 Million |
|
D&D Platform Reit Co Ltd
KO:377190
|
$176.73 Million |
|
Smith-Midland Corp
NASDAQ:SMID
|
$176.70 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Loandepot Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 353,181,000 to 272,892,000, a change of -80,289,000 (-22.7%).
- Net loss of 98,331,000 reduced equity.
- Dividend payments of 3,263,000 reduced retained earnings.
- Share repurchases of 3,847,000 reduced equity.
- Other factors increased equity by 25,152,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-98.33 Million | -36.03% |
| Dividends Paid | $3.26 Million | -1.2% |
| Share Repurchases | $3.85 Million | -1.41% |
| Other Changes | $25.15 Million | +9.22% |
| Total Change | $- | -22.73% |
Book Value vs Market Value Analysis
This analysis compares Loandepot Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.95x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.07x to 0.95x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-12-31 | $0.68 | $1.40 | x |
| 2014-12-31 | $0.82 | $1.40 | x |
| 2018-12-31 | $2.37 | $1.40 | x |
| 2019-12-31 | $2.98 | $1.40 | x |
| 2020-12-31 | $13.11 | $1.40 | x |
| 2021-12-31 | $3.60 | $1.40 | x |
| 2022-12-31 | $5.91 | $1.40 | x |
| 2023-12-31 | $2.02 | $1.40 | x |
| 2024-12-31 | $1.47 | $1.40 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Loandepot Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -36.03%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -8.80%
- • Asset Turnover: 0.18x
- • Equity Multiplier: 23.25x
- Recent ROE (-36.03%) is below the historical average (13.13%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 72.78% | 22.01% | 0.32x | 10.31x | $62.33 Million |
| 2014 | 18.07% | 4.17% | 0.38x | 11.42x | $9.69 Million |
| 2018 | -29.48% | -9.08% | 0.33x | 9.85x | $-137.76 Million |
| 2019 | 9.16% | 2.49% | 0.28x | 13.18x | $-3.17 Million |
| 2020 | 121.52% | 46.33% | 0.40x | 6.58x | $1.85 Billion |
| 2021 | 22.97% | 3.02% | 0.32x | 23.84x | $64.10 Million |
| 2022 | -29.63% | -19.33% | 0.20x | 7.70x | $-365.17 Million |
| 2023 | -31.19% | -10.55% | 0.17x | 17.42x | $-145.46 Million |
| 2024 | -36.03% | -8.80% | 0.18x | 23.25x | $-125.62 Million |
Industry Comparison
This section compares Loandepot Inc's net assets metrics with peer companies in the Mortgage Finance industry.
Industry Context
- Industry: Mortgage Finance
- Average net assets among peers: $3,850,698,013
- Average return on equity (ROE) among peers: 11.79%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Loandepot Inc (LDI) | $433.31 Million | 72.78% | 13.41x | $176.95 Million |
| Better Home & Finance Holding Company (BETR) | $15.42 Million | 64.09% | 22.39x | $454.20 Million |
| Better Home & Finance Holding Company (BETR) | $51.73 Million | 52.76% | 15.20x | $430.66 Million |
| Eastside Distilling, Inc. (BLNE) | $18.75 Million | -48.25% | 0.41x | $59.62 Million |
| CNFinance Holdings Ltd (CNF) | $3.05 Billion | 28.27% | 5.36x | $20.99 Million |
| Mr. Cooper Group Inc (COOP) | $28.50 Billion | -0.24% | 10.50x | $13.49 Billion |
| Greystone Housing Impact Investors LP (GHI) | $0.00 | 0.00% | 0.00x | $125.93 Million |
| Guild Holdings Co (GHLD) | $1.18 Billion | -3.30% | 2.11x | $1.25 Billion |
| Income Opportunity Realty Investors (IOR) | $73.53 Million | 2.50% | 0.59x | $73.80 Million |
| Onity Group Inc. (ONIT) | $1.76 Billion | 10.25% | 2.22x | $329.62 Million |
About Loandepot Inc
loanDepot, Inc. engages in originating, financing, selling, and servicing residential mortgage loans in the United States. The company offers conventional agency-conforming and prime jumbo, federal assistance residential mortgage, and home equity lines of credit and closed-end second liens. It also provides settlement services, which include captive title and escrow business; real estate services… Read more