loanDepot, Inc. — Earnings Quality Grade F
LDI · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 10 days, change -4 days YoY
AR growth -13.6% vs revenue growth 20.3%
Revenue 20.3%, CFFO 17.6%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 2.7% vs revenue 20.3%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 11.29. Profits backed by cash
FCF is negative ($-0.7B)
Accruals ratio = 9.4%. Elevated
Cash $0.3B covers only 7% of debt $5.0B
Balance Sheet Health
Goodwill+Intangibles $1.7B = 707% of equity. Over 50%
Insufficient data
Insufficient data
Write-offs normal
Acquisition Risk
FCF after acquisitions negative for 3 years
Small-cap context: A single acquisition on a small balance sheet can trip serial-acquirer logic.
Goodwill+Intangibles change 2% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
loanDepot, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25