loanDepot (LDI) Debt Ratio (2020 - 2026)
loanDepot (LDI) posted Debt Ratio of 0.29 for Q1 2026, down 4.72% on a QoQ basis from 0.31 in Q4 2025, and down 7.19% year-over-year from 0.31 in Q1 2025.
loanDepot (LDI) Debt Ratio (2020 - 2026) Analysis & Trends
loanDepot's Debt Ratio history runs 7 years deep, the most recent figure standing at 0.29 for Q1 2026.
- Quarterly Debt Ratio fell 7.19% year-over-year to 0.29 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 0.29 (down 7.19% YoY) and the FY2025 annual result came in at 0.31, down 4.16% from the prior year.
- Debt Ratio was 0.29 for Q1 2026 at loanDepot, down from 0.31 in the prior quarter.
- Across five years, Debt Ratio topped out at 0.37 in Q1 2024 and bottomed at 0.03 in Q3 2024.
- A 5-year average of 0.31 and a median of 0.33 in 2025 frame the typical range for Debt Ratio.
- Annual changes were most pronounced in 2024 — Debt Ratio tumbled 91.41% — and 2025, when it jumped 974.34%.
- loanDepot's Debt Ratio stood at 0.35 in 2022, then gained by 6.74% to 0.37 in 2023, then fell by 13.57% to 0.32 in 2024, then declined by 4.16% to 0.31 in 2025, then decreased by 4.72% to 0.29 in 2026.
- Business Quant data shows LDI's Debt Ratio at 0.29 in Q1 2026, 0.31 in Q4 2025, and 0.33 in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 38.33 Bn | 35.64 Bn | - | 0.18 |
| 2 | Federal National Mortgage Association Fannie Mae | 35.67 Bn | 35.67 Bn | - | - |
| 3 | Federal Home Loan Mortgage | 18.11 Bn | 13.64 Bn | - | 0.06 |
| 4 | PennyMac Financial Services | 4.41 Bn | 3.76 Bn | 523.89 Mn | 0.04 |
| 5 | CNFinance Holdings | 3.28 Bn | 3.20 Bn | - | 0.27 |
| 6 | Walker & Dunlop | 1.64 Bn | 1.44 Bn | - | 0.13 |
| 7 | Velocity Financial | 681.36 Mn | -6.51 Bn | - | 0.08 |
| 8 | UWM Holdings | 540.43 Mn | 116.43 Mn | - | 0.00 |
| 9 | Better Home & Finance Holding | 362.34 Mn | 298.07 Mn | - | 0.13 |
| 10 | loanDepot | 116.93 Mn | -46.56 Mn | - | 0.29 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 0.29 |
| Dec 31, 2025 | 0.31 |
| Sep 30, 2025 | 0.33 |
| Jun 30, 2025 | 0.33 |
| Mar 31, 2025 | 0.31 |
| Dec 31, 2024 | 0.32 |
| Sep 30, 2024 | 0.03 |
| Jun 30, 2024 | 0.33 |
| Mar 31, 2024 | 0.37 |
| Dec 31, 2023 | 0.37 |
| Sep 30, 2023 | 0.36 |
| Jun 30, 2023 | 0.36 |
| Mar 31, 2023 | 0.37 |
| Dec 31, 2022 | 0.35 |
| Sep 30, 2022 | 0.31 |
| Jun 30, 2022 | 0.26 |
| Mar 31, 2022 | 0.18 |
| Dec 31, 2021 | 0.14 |
| Sep 30, 2021 | 0.11 |
| Jun 30, 2021 | 0.11 |