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LDIloanDepot, Inc.
$0.67$225M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
LDI logo

loanDepot, Inc.

LDI
NYSE · Mortgage Finance
$0.67
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$225M
P/E-2.2x
52W High$3.80
Volume6.92M
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q1

Persistent Operating Losses Cloud Mortgage Origination Recovery

loanDepot faces a challenging path to profitability as it struggles to scale operations against a high-interest rate environment that suppresses mortgage demand. While the company continues to invest in its proprietary 'mello' technology stack, the persistent ...

GrowthMixed
ProfitabilityNegative
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

LDI price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

3/12 Beats

EPS beat 3 of last 12 quarters

02

Valuation risk

-121% Peers

P/E is 121% below peer median

03

Market leadership

RS 6 · Lag

Laggard (Underperforming 94% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Nov 4

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
LDI-67.81%
S&P 500 (^GSPC)+12.39%
1-Year Return
LDI-79.55%
S&P 500 (^GSPC)+15.77%
3-Year Return
LDI-61.77%
S&P 500 (^GSPC)+71.10%
5-Year Return
LDI-86.92%
S&P 500 (^GSPC)+69.00%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
-2.2x
Forward P/E
N/A
EV/EBITDA50th %ile
21.5x
FCF YieldCash Flow
N/A

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
-2.2x
5.8x
0th· Low
EV/EBITDA
21.5x
22.4x
50th· Fair
Price/FCF
N/A
0.1x
N/A
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$1.21B+55.3% YoY
Net income
-$63M+36.3% YoY
Free cash flow
-$735M+17.0% YoY
Operating margin
13.2%+35.0 pts YoY
ROIC (TTM)2.7%
Avg ROIC 5Y-
ROE (TTM)-14%
Piotroski Score4 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate3/12 (25%)
Revenue Beat Rate3/12 (25%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 4, 2026
-$0.09
vs $0.00
$337M-0.6%
vs $340M
Q2 2026
May 5, 2026
-$0.15-150.0%
vs -$0.06
$286M-6.6%
vs $307M
Q2 2026
Mar 10, 2026
-$0.10-150.0%
vs -$0.04
$310M-7.5%
vs $335M
Q4 2025
Nov 6, 2025
-$0.01+75.0%
vs -$0.04
$323M+3.3%
vs $313M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Business Wire·Sep 14, 2026
HomeSmart Taps loanDepot to Provide Innovative Lending Solutions

IRVINE, Calif.--(BUSINESS WIRE)-- #HomeMeansEverything--loanDepot today announced a marketing services agreement with HomeSmart, the country's largest 100% commission brokerage.

Business Wire·Sep 3, 2026
loanDepot Named a Top U.S. Mortgage and Home Equity Lender

IRVINE, Calif.--(BUSINESS WIRE)-- #HomeMeansEverything--loanDepot continues to receive national recognition in 2026 for performance across several categories valued by today's borrowers.

Business Wire·Aug 21, 2026
loanDepot, Inc. Addresses Notice of NYSE Trading Price Non-Compliance

IRVINE, Calif.--(BUSINESS WIRE)---- $LDI #LDI--loanDepot, Inc. Addresses Notice of NYSE Trading Price Non-Compliance.

247 Wallst·Aug 19, 2026
The Fed Held Rates Flat for 231 Days, Your Mortgage Rates Went Up Anyway

The Federal Reserve has not touched interest rates in over seven months, yet mortgage rates just climbed to their highest level in years. Understanding why exposes a flaw in how most borrowers think about the connection between the Fed and their monthly payment.

Filtered for loanDepot, Inc.More Headlines
04

Compare before deciding

Benchmark LDI against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for loanDepot, Inc. (LDI)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
LDI logoLDIloanDepot, Inc.Current
$0.67$225.41M-2.2455.3%-4.08%-14.04%1.74%
RKT logoRKTRocket Companies, Inc.
$12.15$34.31B-441.8222.99%4.8%2.4%—
UWMC logoUWMCUWM Holdings Corporation
$1.22$189.77M10.1785.84%-1.41%-2.58%—
PFSI logoPFSIPennyMac Financial Services, Inc.
$65.61$3.41B7.05339.48%13.68%9.14%—
GHLD logoGHLDGuild Holdings Company
$20.01$439.06M12.8360.87%9.71%10.27%—
WAL logoWALWestern Alliance Bancorporation
$75.60$8.25B8.6611.43%19.29%12.51%—

Compare LDI vs Peers

loanDepot, Inc. (LDI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs RKT

Most directly comparable listed peer for LDI.

Scale Benchmark

vs ICE

Larger-name benchmark to compare LDI against a more recognizable public peer.

Peer Set

Compare Top 5

vs RKT, UWMC, PFSI, GHLD

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

LDI SEC Filings & Documents

loanDepot, Inc. (LDI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 4, 2026·SEC

Material company update

Jun 8, 2026·SEC

Material company update

May 15, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 12, 2026·SEC

FY 2025

Mar 13, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 6, 2026·SEC

FY 2026

May 7, 2026·SEC

FY 2025

Nov 7, 2025·SEC

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LDI Frequently Asked Questions

loanDepot, Inc. (LDI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is loanDepot, Inc. growing?

loanDepot, Inc. (LDI) grew revenue by 55.3% over the past year. This is strong growth.

Is LDI profitable?

loanDepot, Inc. (LDI) reported a net loss of $69.4M for fiscal year 2025.

Dividend & Returns
Does LDI pay dividends?

Yes, loanDepot, Inc. (LDI) pays a dividend with a yield of 1.74%. This makes it attractive for income-focused investors.

What is LDI's return on equity?

loanDepot, Inc. (LDI) has a return on equity (ROE) of -14.0%. Negative ROE indicates the company is unprofitable.

Industry Metrics
What is loanDepot, Inc.'s net interest margin?

loanDepot, Inc. (LDI) has a net interest margin (NIM) of -2.4%. NIM has been under pressure due to interest rate environment.

What is loanDepot, Inc.'s efficiency ratio?

loanDepot, Inc. (LDI) has an efficiency ratio of 75.1%. This is higher than peers, suggesting room for cost optimization.

What if you invested $1,000 in LDI back in 2013?

Total return calculator · dividends reinvested · 13+ years of data

See returns →