All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2020; the latest 2026-08-21.
From the record
loanDepot, Inc.'s filings since 2020 show 1 warning event: a notice about its exchange listing (8-K item 3.01, the latest 2026-08-21) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
-1.9% a year over 7 filed years; profitable in 1 of 7.
From the record
loanDepot, Inc.'s 7 filed years say what it did: revenue went from $1.3 billion in fiscal 2019 to $1.2 billion in fiscal 2025, down 1.9% a year; it rose in 3 of 6 years; the deepest fall was 77% from fiscal 2020 to fiscal 2023; net income was positive in 1 of 7 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
SI estimate 5.5/10, confidence 20 of 100 (family median).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: loanDepot, Inc.'s shareholder treatment is put at 5.5 of 10 with a confidence of 20 of 100, because fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income, so the desk assumes the typical reading of its industry family, the median of 82 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.
What are they doing right now?
Is it financially healthy right now?
ROE -16%: lost 16¢ per shareholder dollar. Leverage 94%: owes 94¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, loanDepot, Inc. lost about 16 cents for every dollar of shareholders' money. Leverage: it owed about 94 cents per dollar of assets (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 37% of 114 in its family; net margin -5.3%.
From the record
loanDepot, Inc.'s standing among 114 graded names in its industry family: revenue of $1.2 billion in fiscal 2025 ranks in the top 12% by size; a net margin of -5.3% ranks in the top 36%; revenue growth of -1.8% a year over the last 3 filed years ranks in the bottom 37% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 39% of 50 in its family for leadership; chief executive since 2025.
From the record
loanDepot, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Hsieh, Anthony Li (Executive Chair, CEO & Pres., as filed), filing under that title since 2025-06-06, 1.4 years (top 50% of its family); the 14 officers and directors filing in the last fifteen months have been on the record a median of 4.9 years (top 48%); 3 officer or director changes were reported on Form 8-K since 2023-11-13, against the 14 people in charge now (top 19%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 24% of 108 in its family for room to expand.
From the record
loanDepot, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $401 million against debt of $2.1 billion leaves -24.8% of its assets as net cash, bottom 6% of its family; cash from operations less capital spending is -61.7% of revenue (bottom 43%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 45% of 100 in its family for growth drivers.
From the record
loanDepot, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew -1.8% a year over the last three filed years against -1.9% over all 7, speeding up (top 24% of its family); the newest year grew 12.2% (top 45%); capital spending grew -14.4% a year (bottom 35%) (its annual reports). loanDepot, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 32% of 78 in its family for expectations against reality.
From the record
loanDepot, Inc.'s newest year against its own record: revenue of $1.2 billion in fiscal 2025 came in 22.1% above the $974 million its prior three years' pace pointed to (top 33% of its family); net income of $63 million against a prior three-year average of $160 million (top 29%); a net margin of -5.3% against -14.1% before (top 35%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made