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Side-by-side financial comparison of loanDepot, Inc. (LDI) and MONRO, INC. (MNRO). Click either name above to swap in a different company.
loanDepot, Inc. is the larger business by last-quarter revenue ($310.3M vs $293.4M, roughly 1.1× MONRO, INC.). MONRO, INC. runs the higher net margin — 3.8% vs -7.2%, a 11.0% gap on every dollar of revenue. On growth, loanDepot, Inc. posted the faster year-over-year revenue change (20.5% vs -4.0%). MONRO, INC. produced more free cash flow last quarter ($9.1M vs $-648.0M). Over the past eight quarters, loanDepot, Inc.'s revenue compounded faster (18.0% CAGR vs -2.7%).
LoanDepot, sometimes stylized as loanDepot, is an Irvine, California-based nonbank holding company which sells mortgage and non-mortgage lending products.
Monro, Inc. is an automotive services company founded and headquartered in Rochester, New York, U.S. As of 2025, Monro has 1,260 locations making them the second-largest automotive services company in North America after Driven Brands by number of locations and by revenue.
LDI vs MNRO — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $310.3M | $293.4M |
| Net Profit | $-22.5M | $11.1M |
| Gross Margin | — | 34.9% |
| Operating Margin | -10.3% | 6.3% |
| Net Margin | -7.2% | 3.8% |
| Revenue YoY | 20.5% | -4.0% |
| Net Profit YoY | 32.4% | 143.1% |
| EPS (diluted) | — | $0.35 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $310.3M | $293.4M | ||
| Q3 25 | $323.3M | $288.9M | ||
| Q2 25 | $282.5M | $301.0M | ||
| Q1 25 | $273.6M | $295.0M | ||
| Q4 24 | $257.5M | $305.8M | ||
| Q3 24 | $314.6M | $301.4M | ||
| Q2 24 | $265.4M | $293.2M | ||
| Q1 24 | $222.8M | $310.1M |
| Q4 25 | $-22.5M | $11.1M | ||
| Q3 25 | $-4.9M | $5.7M | ||
| Q2 25 | $-13.4M | $-8.1M | ||
| Q1 25 | $-21.9M | $-21.3M | ||
| Q4 24 | $-33.2M | $4.6M | ||
| Q3 24 | $1.4M | $5.6M | ||
| Q2 24 | $-32.2M | $5.9M | ||
| Q1 24 | $-34.3M | $3.7M |
| Q4 25 | — | 34.9% | ||
| Q3 25 | — | 35.7% | ||
| Q2 25 | — | 35.5% | ||
| Q1 25 | — | 33.0% | ||
| Q4 24 | — | 34.3% | ||
| Q3 24 | — | 35.3% | ||
| Q2 24 | — | 37.2% | ||
| Q1 24 | — | 35.5% |
| Q4 25 | -10.3% | 6.3% | ||
| Q3 25 | -3.2% | 4.4% | ||
| Q2 25 | -11.4% | -2.0% | ||
| Q1 25 | -16.8% | -8.1% | ||
| Q4 24 | -32.7% | 3.3% | ||
| Q3 24 | 1.1% | 4.4% | ||
| Q2 24 | -29.1% | 4.5% | ||
| Q1 24 | -38.2% | 3.3% |
| Q4 25 | -7.2% | 3.8% | ||
| Q3 25 | -1.5% | 2.0% | ||
| Q2 25 | -4.7% | -2.7% | ||
| Q1 25 | -8.0% | -7.2% | ||
| Q4 24 | -12.9% | 1.5% | ||
| Q3 24 | 0.4% | 1.9% | ||
| Q2 24 | -12.1% | 2.0% | ||
| Q1 24 | -15.4% | 1.2% |
| Q4 25 | — | $0.35 | ||
| Q3 25 | — | $0.18 | ||
| Q2 25 | — | $-0.28 | ||
| Q1 25 | — | $-0.74 | ||
| Q4 24 | — | $0.15 | ||
| Q3 24 | $0.01 | $0.18 | ||
| Q2 24 | $-0.18 | $0.19 | ||
| Q1 24 | $-0.19 | $0.12 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $337.2M | $4.9M |
| Total DebtLower is stronger | $2.1B | $45.0M |
| Stockholders' EquityBook value | $386.0M | $604.9M |
| Total Assets | $6.9B | $1.6B |
| Debt / EquityLower = less leverage | 5.44× | 0.07× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $337.2M | $4.9M | ||
| Q3 25 | $459.2M | $10.5M | ||
| Q2 25 | $408.6M | $7.8M | ||
| Q1 25 | $371.5M | $20.8M | ||
| Q4 24 | $421.6M | $10.2M | ||
| Q3 24 | $483.0M | $20.9M | ||
| Q2 24 | $533.2M | $18.7M | ||
| Q1 24 | $603.7M | $6.6M |
| Q4 25 | $2.1B | $45.0M | ||
| Q3 25 | $2.1B | $60.0M | ||
| Q2 25 | $2.1B | $71.5M | ||
| Q1 25 | $2.0B | $61.3M | ||
| Q4 24 | $2.0B | $59.3M | ||
| Q3 24 | $2.0B | $62.0M | ||
| Q2 24 | $2.0B | $112.0M | ||
| Q1 24 | $2.3B | $102.0M |
| Q4 25 | $386.0M | $604.9M | ||
| Q3 25 | $433.3M | $601.7M | ||
| Q2 25 | $439.1M | $604.9M | ||
| Q1 25 | $469.3M | $620.8M | ||
| Q4 24 | $506.6M | $648.9M | ||
| Q3 24 | $592.0M | $651.9M | ||
| Q2 24 | $578.9M | $654.4M | ||
| Q1 24 | $637.3M | $656.8M |
| Q4 25 | $6.9B | $1.6B | ||
| Q3 25 | $6.2B | $1.6B | ||
| Q2 25 | $6.2B | $1.6B | ||
| Q1 25 | $6.4B | $1.6B | ||
| Q4 24 | $6.3B | $1.7B | ||
| Q3 24 | $6.4B | $1.7B | ||
| Q2 24 | $5.9B | $1.7B | ||
| Q1 24 | $6.2B | $1.7B |
| Q4 25 | 5.44× | 0.07× | ||
| Q3 25 | 4.83× | 0.10× | ||
| Q2 25 | 4.70× | 0.12× | ||
| Q1 25 | 4.30× | 0.10× | ||
| Q4 24 | 4.00× | 0.09× | ||
| Q3 24 | 3.31× | 0.10× | ||
| Q2 24 | 3.41× | 0.17× | ||
| Q1 24 | 3.63× | 0.16× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-638.7M | $17.8M |
| Free Cash FlowOCF − Capex | $-648.0M | $9.1M |
| FCF MarginFCF / Revenue | -208.9% | 3.1% |
| Capex IntensityCapex / Revenue | 3.0% | 3.0% |
| Cash ConversionOCF / Net Profit | — | 1.60× |
| TTM Free Cash FlowTrailing 4 quarters | $-734.6M | $49.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-638.7M | $17.8M | ||
| Q3 25 | $43.4M | $32.3M | ||
| Q2 25 | $67.6M | $-1.9M | ||
| Q1 25 | $-179.9M | $28.9M | ||
| Q4 24 | $47.7M | $14.8M | ||
| Q3 24 | $-349.2M | $62.6M | ||
| Q2 24 | $-278.3M | $25.6M | ||
| Q1 24 | $-278.5M | $-5.3M |
| Q4 25 | $-648.0M | $9.1M | ||
| Q3 25 | $38.7M | $26.6M | ||
| Q2 25 | $61.4M | $-9.3M | ||
| Q1 25 | $-186.7M | $23.2M | ||
| Q4 24 | $40.8M | $7.9M | ||
| Q3 24 | $-356.4M | $57.6M | ||
| Q2 24 | $-285.7M | $16.8M | ||
| Q1 24 | $-283.3M | $-11.9M |
| Q4 25 | -208.9% | 3.1% | ||
| Q3 25 | 12.0% | 9.2% | ||
| Q2 25 | 21.7% | -3.1% | ||
| Q1 25 | -68.2% | 7.9% | ||
| Q4 24 | 15.8% | 2.6% | ||
| Q3 24 | -113.3% | 19.1% | ||
| Q2 24 | -107.7% | 5.7% | ||
| Q1 24 | -127.2% | -3.8% |
| Q4 25 | 3.0% | 3.0% | ||
| Q3 25 | 1.5% | 2.0% | ||
| Q2 25 | 2.2% | 2.5% | ||
| Q1 25 | 2.5% | 1.9% | ||
| Q4 24 | 2.7% | 2.2% | ||
| Q3 24 | 2.3% | 1.6% | ||
| Q2 24 | 2.8% | 3.0% | ||
| Q1 24 | 2.1% | 2.1% |
| Q4 25 | — | 1.60× | ||
| Q3 25 | — | 5.71× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 3.23× | ||
| Q3 24 | -255.05× | 11.08× | ||
| Q2 24 | — | 4.37× | ||
| Q1 24 | — | -1.42× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LDI
Segment breakdown not available.
MNRO
| Tires | $150.2M | 51% |
| Maintenance | $73.5M | 25% |
| Brakes | $35.1M | 12% |
| Steering | $24.9M | 8% |
| Batteries | $6.2M | 2% |
| Exhaust | $3.2M | 1% |
