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LDI Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
1.770
Open
1.760
VWAP
1.72
Vol
5.52M
Mkt Cap
583.16M
Low
1.630
Amount
9.47M
EV/EBITDA(TTM)
17.21
Total Shares
333.24M
EV
5.25B
EV/OCF(TTM)
--
P/S(TTM)
0.25
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.
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Events Timeline

(ET)
2026-03-10
19:30:00
Trump's Mixed Messages on Middle East Impact Market Volatility
select
2026-03-10
16:10:00
Sees Q1 Rate Lock Volume at $7.75B-$8.75B
select
2026-03-10
16:10:00
Q4 Revenue at $310M, Below Consensus
select
2026-01-09 (ET)
2026-01-09
09:00:00
Stock Futures Modestly Higher, Okloup Shares Surge 18%
select

News

seekingalpha
9.5
03-10seekingalpha
PinnedloanDepot Q4 2025 Earnings Call Insights
  • Loan Volume Recovery: loanDepot achieved $8.0 billion in loan origination for Q4 2025, a 23% increase from $6.5 billion in Q3, marking the highest level since 2022 and demonstrating the company's ability to gain market share amid industry consolidation.
  • Financial Performance Fluctuations: Despite the increase in loan origination, the adjusted net loss for Q4 was $21 million, significantly up from $3 million in Q3, primarily due to lower gain on sale margins and rising expenses, reflecting cost pressures faced during expansion.
  • Optimistic Outlook: The CFO projected first-quarter 2026 pull-through weighted lock volume between $7.75 billion and $8.75 billion, indicating confidence in market demand, while the expected gain on sale margin is between 270 and 300 basis points, showcasing efforts to control costs and enhance efficiency.
  • Accelerated Technology Investment: The CEO emphasized that the introduction of AI technology is positively impacting business efficiency with high customer acceptance, which is expected to further strengthen the company's competitive position, particularly in digital transformation and customer acquisition.
CNBC
4.5
03-11CNBC
US Mortgage Applications Rise 3.2% Amid Market Volatility
  • Mortgage Application Growth: According to the Mortgage Bankers Association, total mortgage application volume rose by 3.2% last week, indicating the kickoff of the spring market despite ongoing volatility from the Middle East situation.
  • Increased Buyer Demand: The seasonally adjusted Purchase Index increased by 7.8%, 11% higher than the same week last year, demonstrating heightened buyer activity as winter weather improves.
  • Refinancing Applications Slightly Up: Refinance applications rose by just 0.5% last week but were 81% higher than the same week a year ago, suggesting that borrowers are still seeking lower rates despite market fluctuations.
  • Popularity of Adjustable-Rate Loans: The share of adjustable-rate mortgage applications increased to nearly 9%, reflecting consumer interest in lower rates, albeit with higher associated risks.
Yahoo Finance
9.5
03-11Yahoo Finance
loanDepot Reports Q4 2025 Earnings with Mixed Results
  • Loan Origination Growth: loanDepot achieved a loan origination volume of $8.0 billion in Q4 2025, representing a 23% increase from $6.5 billion in Q3 2025, indicating strong market performance despite a decline in overall revenue.
  • Widening Net Loss: The company reported an adjusted net loss of $21 million in Q4 2025, a significant increase from a $3 million loss in Q3 2025, reflecting rising costs and intensified market competition pressures.
  • Rising Expenses: Total expenses increased by $8 million or 3% compared to the previous quarter, primarily driven by higher personnel costs, which negatively impacted the company's profitability and cash flow.
  • Cash Flow Decline: The company's cash position decreased to $337 million at the end of Q4 2025, down $122 million from Q3 2025, reflecting investments in loan inventory and repayment of unsecured notes, which may affect future liquidity.
seekingalpha
9.5
03-10seekingalpha
loanDepot Q4 Earnings Miss Expectations with Negative EPS
  • Disappointing Earnings: loanDepot reported a Q4 GAAP EPS of -$0.10, missing expectations by $0.06, indicating challenges in profitability that could undermine investor confidence.
  • Weak Revenue Growth: Despite a 20.7% year-over-year revenue increase to $310.26 million, the figure fell short of expectations by $25.19 million, highlighting pressures from increased competition and rising costs.
  • Cautious Outlook: The company anticipates Q1 2026 origination volume between $6.75 billion and $7.75 billion, reflecting uncertainty in market demand that may impact future cash flow and profitability.
  • Negative Market Reaction: Following the earnings release, loanDepot's shares fell 4.26% in after-hours trading, indicating investor concerns about the company's future performance and potential for further market volatility.
seekingalpha
9.5
03-09seekingalpha
loanDepot Set to Announce Q4 Earnings on March 10
  • Earnings Announcement: loanDepot (LDI) is set to release its Q4 2023 earnings on March 10 after market close, with a consensus EPS estimate of -$0.02, reflecting a significant year-over-year increase of 88.2%, indicating resilience in challenging market conditions.
  • Revenue Growth Expectations: The revenue estimate stands at $335.45 million, representing a 30.5% year-over-year growth, showcasing the company's strong performance in the real estate sector, which is expected to yield substantial revenue despite ongoing challenges.
  • Performance Beat Record: Over the past year, loanDepot has beaten EPS estimates 50% of the time and revenue estimates 75% of the time, demonstrating the company's strong performance against analyst expectations, which bolsters investor confidence.
  • Estimate Revision Dynamics: In the last three months, EPS estimates have seen one upward revision and two downward adjustments, while revenue estimates experienced two upward revisions and one downward, reflecting mixed market sentiment regarding loanDepot's future performance, which may influence investor decisions.
seekingalpha
7.5
03-09seekingalpha
loanDepot Launches New Wholesale Lending Channel for Mortgage Brokers
  • Channel Launch: On Monday, loanDepot announced the launch of a new wholesale lending channel aimed at mortgage brokers, led by Dan Peña, President of Partnership Lending, which is designed to enhance the company's competitiveness in the mortgage market.
  • Platform Advantages: Built on the company’s proprietary mortgage platform, this channel offers competitive pricing, a full range of products, and dedicated broker support, combining digital convenience with direct account management to enhance customer experience.
  • Business Integration: This initiative complements loanDepot's existing direct-to-consumer, retail, joint venture, and servicing businesses, thereby diversifying its product offerings and strengthening its market positioning to capture a larger market share.
  • Executive Return: Mortgage industry veteran Matt Mancasola has returned to loanDepot as VP of wholesale lending to oversee the channel's expansion, which is expected to bring valuable industry experience and strategic guidance to the company.
Wall Street analysts forecast LDI stock price to rise
3 Analyst Rating
Wall Street analysts forecast LDI stock price to rise
0 Buy
1 Hold
2 Sell
Moderate Sell
Current: 0.000
sliders
Low
1.75
Averages
2.38
High
3.00
Current: 0.000
sliders
Low
1.75
Averages
2.38
High
3.00
Goldman Sachs
Sell
downgrade
$3
AI Analysis
2026-01-06
Reason
Goldman Sachs
Price Target
$3
AI 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.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for LDI
Unlock Now

Valuation Metrics

The current forward P/E ratio for loanDepot Inc (LDI.N) is 17.53, compared to its 5-year average forward P/E of 41.01. For a more detailed relative valuation and DCF analysis to assess loanDepot Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
41.01
Current PE
17.53
Overvalued PE
217.81
Undervalued PE
-135.80

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
Undervalued EV/EBITDA

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
0.35
Current PS
0.32
Overvalued PS
0.47
Undervalued PS
0.22

Financials

AI Analysis
Annual
Quarterly

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Frequently Asked Questions

What is loanDepot Inc (LDI) stock price today?

The current price of LDI is 1.75 USD — it has decreased -6.91

What is loanDepot Inc (LDI)'s business?

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.

What is the price predicton of LDI Stock?

Wall Street analysts forecast LDI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for LDI is2.38 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.

What is loanDepot Inc (LDI)'s revenue for the last quarter?

loanDepot Inc revenue for the last quarter amounts to 396.89M USD, increased 52.22

What is loanDepot Inc (LDI)'s earnings per share (EPS) for the last quarter?

loanDepot Inc. EPS for the last quarter amounts to -0.10 USD, decreased -41.18

How many employees does loanDepot Inc (LDI). have?

loanDepot Inc (LDI) has 4900 emplpoyees as of March 12 2026.

What is loanDepot Inc (LDI) market cap?

Today LDI has the market capitalization of 583.16M USD.