loanDepot (LDI) Interest Coverage Ratio (2020 - 2026)
loanDepot (LDI) posted Interest Coverage Ratio of 0.04 for Q1 2026, down 96.67% on a QoQ basis from 1.28 in Q4 2025, and down 75.04% year-over-year from 0.17 in Q1 2025.
loanDepot (LDI) Interest Coverage Ratio (2020 - 2026) Analysis & Trends
loanDepot's Interest Coverage Ratio history runs 7 years deep, the most recent figure standing at 0.04 for Q1 2026.
- Quarterly Interest Coverage Ratio fell 75.04% year-over-year to 0.04 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 4.08 (down 37.95% YoY) and the FY2025 annual result came in at 0.6, up 192.59% from the prior year.
- Interest Coverage Ratio was 0.04 for Q1 2026 at loanDepot, down from 1.28 in the prior quarter.
- Across five years, Interest Coverage Ratio topped out at 4.22 in Q4 2022 and bottomed at 5.31 in Q2 2022.
- A 5-year average of 0.02 and a median of 0.04 in 2026 frame the typical range for Interest Coverage Ratio.
- Annual changes were most pronounced in 2022 — Interest Coverage Ratio slumped 441.37% — and 2024, when it soared 1571.97%.
- loanDepot's Interest Coverage Ratio stood at 4.22 in 2022, then plunged by 40.8% to 2.5 in 2023, then retreated by 20.28% to 1.99 in 2024, then slumped by 35.97% to 1.28 in 2025, then slumped by 96.67% to 0.04 in 2026.
- Business Quant data shows LDI's Interest Coverage Ratio at 0.04 in Q1 2026, 1.28 in Q4 2025, and 0.77 in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 38.33 Bn | 35.64 Bn | - | 2.15 |
| 2 | Federal National Mortgage Association Fannie Mae | 35.67 Bn | 35.67 Bn | - | 1.13 |
| 3 | Federal Home Loan Mortgage | 18.11 Bn | 13.64 Bn | - | 1.15 |
| 4 | PennyMac Financial Services | 4.41 Bn | 3.76 Bn | 523.89 Mn | 0.34 |
| 5 | CNFinance Holdings | 3.28 Bn | 3.20 Bn | - | - |
| 6 | Walker & Dunlop | 1.64 Bn | 1.44 Bn | - | 2.52 |
| 7 | Velocity Financial | 681.36 Mn | -6.51 Bn | - | 1.31 |
| 8 | UWM Holdings | 540.43 Mn | 116.43 Mn | - | 2.22 |
| 9 | Better Home & Finance Holding | 362.34 Mn | 298.07 Mn | - | -7.89 |
| 10 | loanDepot | 116.93 Mn | -46.56 Mn | - | 0.04 |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 0.04 |
| Dec 31, 2025 | 1.28 |
| Sep 30, 2025 | 0.77 |
| Jun 30, 2025 | 0.18 |
| Mar 31, 2025 | 0.17 |
| Dec 31, 2024 | 1.99 |
| Sep 30, 2024 | 1.08 |
| Jun 30, 2024 | -1.16 |
| Mar 31, 2024 | -0.46 |
| Dec 31, 2023 | 2.50 |
| Sep 30, 2023 | -0.07 |
| Jun 30, 2023 | -0.82 |
| Mar 31, 2023 | -0.84 |
| Dec 31, 2022 | 4.22 |
| Sep 30, 2022 | -2.89 |
| Jun 30, 2022 | -5.31 |
| Mar 31, 2022 | -1.02 |
| Dec 31, 2021 | 1.10 |
| Sep 30, 2021 | 4.15 |
| Jun 30, 2021 | 1.56 |