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Side-by-side financial comparison of loanDepot, Inc. (LDI) and NEW JERSEY RESOURCES CORP (NJR). Click either name above to swap in a different company.
NEW JERSEY RESOURCES CORP is the larger business by last-quarter revenue ($440.9M vs $310.3M, roughly 1.4× loanDepot, Inc.). NEW JERSEY RESOURCES CORP runs the higher net margin — 27.8% vs -7.2%, a 35.0% gap on every dollar of revenue. On growth, NEW JERSEY RESOURCES CORP posted the faster year-over-year revenue change (22.8% vs 20.5%). Over the past eight quarters, loanDepot, Inc.'s revenue compounded faster (18.0% CAGR vs 0.9%).
LoanDepot, sometimes stylized as loanDepot, is an Irvine, California-based nonbank holding company which sells mortgage and non-mortgage lending products.
New Jersey Resources is an energy services holding company based in Wall Township, New Jersey. It is a Fortune 1000 company, and a member of the Forbes Platinum 400. New Jersey Natural Gas is its principal subsidiary.
LDI vs NJR — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $310.3M | $440.9M |
| Net Profit | $-22.5M | $122.5M |
| Gross Margin | — | — |
| Operating Margin | -10.3% | 40.6% |
| Net Margin | -7.2% | 27.8% |
| Revenue YoY | 20.5% | 22.8% |
| Net Profit YoY | 32.4% | -6.7% |
| EPS (diluted) | — | $1.21 |
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 | $440.9M | ||
| Q3 25 | $323.3M | $188.3M | ||
| Q2 25 | $282.5M | $234.8M | ||
| Q1 25 | $273.6M | $569.2M | ||
| Q4 24 | $257.5M | $359.0M | ||
| Q3 24 | $314.6M | $265.7M | ||
| Q2 24 | $265.4M | $209.9M | ||
| Q1 24 | $222.8M | $433.2M |
| Q4 25 | $-22.5M | $122.5M | ||
| Q3 25 | $-4.9M | $15.1M | ||
| Q2 25 | $-13.4M | $-15.1M | ||
| Q1 25 | $-21.9M | $204.3M | ||
| Q4 24 | $-33.2M | $131.3M | ||
| Q3 24 | $1.4M | $91.1M | ||
| Q2 24 | $-32.2M | $-11.6M | ||
| Q1 24 | $-34.3M | $120.8M |
| Q4 25 | -10.3% | 40.6% | ||
| Q3 25 | -3.2% | 21.5% | ||
| Q2 25 | -11.4% | -0.5% | ||
| Q1 25 | -16.8% | 49.2% | ||
| Q4 24 | -32.7% | 52.8% | ||
| Q3 24 | 1.1% | 55.0% | ||
| Q2 24 | -29.1% | 2.8% | ||
| Q1 24 | -38.2% | 39.3% |
| Q4 25 | -7.2% | 27.8% | ||
| Q3 25 | -1.5% | 8.0% | ||
| Q2 25 | -4.7% | -6.4% | ||
| Q1 25 | -8.0% | 35.9% | ||
| Q4 24 | -12.9% | 36.6% | ||
| Q3 24 | 0.4% | 34.3% | ||
| Q2 24 | -12.1% | -5.5% | ||
| Q1 24 | -15.4% | 27.9% |
| Q4 25 | — | $1.21 | ||
| Q3 25 | — | $0.15 | ||
| Q2 25 | — | $-0.15 | ||
| Q1 25 | — | $2.02 | ||
| Q4 24 | — | $1.31 | ||
| Q3 24 | $0.01 | $0.91 | ||
| Q2 24 | $-0.18 | $-0.12 | ||
| Q1 24 | $-0.19 | $1.22 |
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 | $2.4M |
| Total DebtLower is stronger | $2.1B | $3.3B |
| Stockholders' EquityBook value | $386.0M | $2.5B |
| Total Assets | $6.9B | $7.9B |
| Debt / EquityLower = less leverage | 5.44× | 1.32× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $337.2M | $2.4M | ||
| Q3 25 | $459.2M | $591.0K | ||
| Q2 25 | $408.6M | $931.0K | ||
| Q1 25 | $371.5M | $83.7M | ||
| Q4 24 | $421.6M | $1.9M | ||
| Q3 24 | $483.0M | $1.0M | ||
| Q2 24 | $533.2M | $22.4M | ||
| Q1 24 | $603.7M | $5.0M |
| Q4 25 | $2.1B | $3.3B | ||
| Q3 25 | $2.1B | $3.3B | ||
| Q2 25 | $2.1B | $3.0B | ||
| Q1 25 | $2.0B | $3.0B | ||
| Q4 24 | $2.0B | $3.0B | ||
| Q3 24 | $2.0B | $2.9B | ||
| Q2 24 | $2.0B | $2.8B | ||
| Q1 24 | $2.3B | $2.7B |
| Q4 25 | $386.0M | $2.5B | ||
| Q3 25 | $433.3M | $2.4B | ||
| Q2 25 | $439.1M | $2.4B | ||
| Q1 25 | $469.3M | $2.5B | ||
| Q4 24 | $506.6M | $2.3B | ||
| Q3 24 | $592.0M | $2.2B | ||
| Q2 24 | $578.9M | $2.1B | ||
| Q1 24 | $637.3M | $2.2B |
| Q4 25 | $6.9B | $7.9B | ||
| Q3 25 | $6.2B | $7.6B | ||
| Q2 25 | $6.2B | $7.3B | ||
| Q1 25 | $6.4B | $7.3B | ||
| Q4 24 | $6.3B | $7.2B | ||
| Q3 24 | $6.4B | $7.0B | ||
| Q2 24 | $5.9B | $6.8B | ||
| Q1 24 | $6.2B | $6.6B |
| Q4 25 | 5.44× | 1.32× | ||
| Q3 25 | 4.83× | 1.36× | ||
| Q2 25 | 4.70× | 1.25× | ||
| Q1 25 | 4.30× | 1.20× | ||
| Q4 24 | 4.00× | 1.29× | ||
| Q3 24 | 3.31× | 1.31× | ||
| Q2 24 | 3.41× | 1.30× | ||
| Q1 24 | 3.63× | 1.25× |
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 | $26.7M |
| Free Cash FlowOCF − Capex | $-648.0M | — |
| FCF MarginFCF / Revenue | -208.9% | — |
| Capex IntensityCapex / Revenue | 3.0% | — |
| Cash ConversionOCF / Net Profit | — | 0.22× |
| TTM Free Cash FlowTrailing 4 quarters | $-734.6M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-638.7M | $26.7M | ||
| Q3 25 | $43.4M | $81.2M | ||
| Q2 25 | $67.6M | $-28.9M | ||
| Q1 25 | $-179.9M | $423.0M | ||
| Q4 24 | $47.7M | $-9.0M | ||
| Q3 24 | $-349.2M | $64.5M | ||
| Q2 24 | $-278.3M | $24.3M | ||
| Q1 24 | $-278.5M | $292.2M |
| Q4 25 | $-648.0M | — | ||
| Q3 25 | $38.7M | — | ||
| Q2 25 | $61.4M | — | ||
| Q1 25 | $-186.7M | — | ||
| Q4 24 | $40.8M | — | ||
| Q3 24 | $-356.4M | — | ||
| Q2 24 | $-285.7M | — | ||
| Q1 24 | $-283.3M | — |
| Q4 25 | -208.9% | — | ||
| Q3 25 | 12.0% | — | ||
| Q2 25 | 21.7% | — | ||
| Q1 25 | -68.2% | — | ||
| Q4 24 | 15.8% | — | ||
| Q3 24 | -113.3% | — | ||
| Q2 24 | -107.7% | — | ||
| Q1 24 | -127.2% | — |
| Q4 25 | 3.0% | — | ||
| Q3 25 | 1.5% | — | ||
| Q2 25 | 2.2% | — | ||
| Q1 25 | 2.5% | — | ||
| Q4 24 | 2.7% | — | ||
| Q3 24 | 2.3% | — | ||
| Q2 24 | 2.8% | — | ||
| Q1 24 | 2.1% | — |
| Q4 25 | — | 0.22× | ||
| Q3 25 | — | 5.39× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | 2.07× | ||
| Q4 24 | — | -0.07× | ||
| Q3 24 | -255.05× | 0.71× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | 2.42× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LDI
Segment breakdown not available.
NJR
| Residential | $284.1M | 64% |
| Commercialand Industrial | $53.4M | 12% |
| Firm Transportation | $34.7M | 8% |
| Storage And Transportation ST Segment | $28.1M | 6% |
| Home Services And Other HSO | $16.0M | 4% |
| Energy Services ES Segment | $12.8M | 3% |
| Installationand Maintenance | $6.6M | 1% |
| Electricity | $5.6M | 1% |
| Renewable Energy Certificates | $3.7M | 1% |
| Interruptibleand Offtariff | $2.4M | 1% |
