Quarterly Performance: loanDepot reported a quarterly loss of $0.01 per share, outperforming the Zacks Consensus Estimate of a loss of $0.04, and showing a significant earnings surprise of +75.00%.
Revenue Insights: The company generated revenues of $323.32 million, exceeding expectations by 13.61%, and has only surpassed consensus revenue estimates once in the last four quarters.
Stock Outlook: loanDepot shares have increased by 36.8% year-to-date, outperforming the S&P 500, but the stock currently holds a Zacks Rank #3 (Hold), indicating expected performance in line with the market.
Industry Context: The Financial - Mortgage & Related Services industry ranks in the top 41% of Zacks industries, suggesting that the overall industry outlook could significantly influence loanDepot's stock performance moving forward.
Wall Street analysts forecast LDI stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for LDI is 2.58 USD with a low forecast of 1.75 USD and a high forecast of 3.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
4 Analyst Rating
Wall Street analysts forecast LDI stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for LDI is 2.58 USD with a low forecast of 1.75 USD and a high forecast of 3.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
0 Buy
2 Hold
2 Sell
Moderate Sell
Current: 2.670
Low
1.75
Averages
2.58
High
3.00
Current: 2.670
Low
1.75
Averages
2.58
High
3.00
Goldman Sachs
Sell
downgrade
$3
Al Analysis
2026-01-06
Reason
Goldman Sachs
Price Target
$3
Al Analysis
2026-01-06
downgrade
Sell
Reason
Goldman Sachs lowered the firm's price target on LoanDepot to $2.40 from $3 and keeps a Sell rating on the shares. Regional banks underperformed the market by 200-300 basis points in 2025, weighed by macro concerns and credit worries, though stocks rallied 13% late in the year, the analyst tells investors in a research note. Looking to 2026, solid loan growth, net interest income momentum, positive operating leverage, and improving returns support continued multi-year fundamental improvement, with credit risk as the main wildcard, Goldman says.
Goldman Sachs
NULL -> Sell
downgrade
$3
2025-10-29
Reason
Goldman Sachs
Price Target
$3
2025-10-29
downgrade
NULL -> Sell
Reason
Goldman Sachs raised the firm's price target on LoanDepot to $3 from $1.45 and keeps a Sell rating on the shares.
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UBS
Neutral
upgrade
2025-08-20
Reason
UBS
Price Target
2025-08-20
upgrade
Neutral
Reason
UBS raised the firm's price target on LoanDepot to $1.90 from $1.40 and keeps a Neutral rating on the shares.
BofA
Derek Hewett
Underperform
maintain
2025-08-18
Reason
BofA
Derek Hewett
Price Target
2025-08-18
maintain
Underperform
Reason
BofA analyst Derek Hewett raised the firm's price target on LoanDepot to $1.50 from $1.25 and keeps an Underperform rating on the shares. Following the company's Q2 report, the firm is lowering its 2025 EPS estimate due to lower revenue, partially offset by lower operating expense, while slightly increasing its 2026 EPS estimate due to slightly higher gain on sale revenue. More broadly, the firm remains cautious on the mortgage sector due to high rates and elevated competition, which should continue to weigh on production volume and margins, the analyst tells investors.
About LDI
loanDepot, Inc. provides a customer-centric, technology-empowered residential mortgage platform. It is engaged in the origination of conventional and government mortgage loans, servicing conventional and government mortgage loans, and providing ancillary services. It engages in originating, financing, selling, and servicing residential mortgage loans and provides title, escrow, and settlement services for mortgage loan transactions. Its proprietary technology platform, mello, serves as a lead generation tool for these loan officers, particularly focusing on purchase originations. It has a loan product suite, including conventional agency-conforming loans, conventional prime jumbo loans, Federal Housing Administration (FHA) and Department of Veterans Affairs (VA) loans, and home equity lines of credit. Its ancillary business includes settlement services, real estate services and insurance services. mello Home Services, LLC is its wholly owned captive real estate referral business.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
