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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
1.445
Open
1.430
VWAP
1.43
Vol
467.14K
Mkt Cap
475.74M
Low
1.410
Amount
668.01K
EV/EBITDA(TTM)
17.48
Total Shares
335.03M
EV
5.29B
EV/OCF(TTM)
--
P/S(TTM)
0.20
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)
2026-03-30
08:40:00
loanDepot Partners with Betenbough to Launch Olive Branch Home Loans
select
2026-03-10 (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

News

Newsfilter
7.5
03-30Newsfilter
loanDepot Partners with Betenbough to Launch New Mortgage Company
  • Strategic Partnership Launch: loanDepot has announced a strategic partnership with Betenbough Companies to launch Olive Branch Home Loans, aimed at serving homebuyers in West Texas, marking the first initiative under loanDepot's expanded partnership channel.
  • Innovative Lending Model: Led by Paul Boecker, the new company combines Betenbough's deep understanding of local homebuyers with loanDepot's operational and customer service expertise, aiming to streamline the process from application to closing, enhancing accessibility and efficiency in homeownership.
  • Market Impact Enhancement: This collaboration is expected to deliver faster loan closings, improving the buyer experience while providing a reproducible model for builders nationwide to develop in-house lending capabilities, thereby strengthening market competitiveness.
  • Company Background Overview: Founded in 1992, Betenbough Companies delivers over 2,100 homes annually as one of the top 50 U.S. home builders, and its extensive industry experience will provide robust support for the new mortgage company.
CNBC
8.5
03-26CNBC
Fannie Mae Accepts Crypto-Backed Mortgages, Paving New Path for Homebuyers
  • Crypto Mortgage Innovation: Fannie Mae's collaboration with Better Home and Finance and Coinbase introduces a crypto-backed mortgage product, allowing homebuyers to use Bitcoin or USD Coin as collateral, marking a significant first under government conservatorship and likely attracting a large pool of younger buyers.
  • Loan Structure Innovation: Borrowers must open a Coinbase account and apply for a standard mortgage with Better alongside a second loan backed by crypto assets for the down payment; although this requires paying interest on two loans, Better offers lower rates than most competitors, enhancing affordability.
  • Significant Market Potential: This product aims to assist younger individuals with sufficient crypto assets who prefer not to sell to avoid tax liabilities, potentially driving innovation in the real estate market, especially as cryptocurrency becomes more mainstream, with Fannie Mae's backing likely facilitating the launch of more similar products.
  • Optimistic Future Outlook: The Federal Housing Finance Agency, overseeing Fannie Mae, has shown a bullish stance on cryptocurrency, suggesting that more asset classes (like Ethereum and Solana) may be included in mortgage products, with Tony Giordano predicting that the entire real estate industry will be blockchain-based within the next decade.
CNBC
4.5
03-18CNBC
Mortgage Rates Surge, Causing Application Volume to Decline
  • Mortgage Application Decline: According to the Mortgage Bankers Association, total mortgage application volume fell by 10.9% last week, primarily due to mortgage rates reaching their highest level since the end of last year, which slowed the market's refinancing demand.
  • Rising Rates Impact Refinancing: The average contract interest rate for 30-year fixed-rate mortgages increased from 6.19% to 6.30%, causing a 19% week-over-week decline in refinancing applications, although they remain 69% higher than the same week last year.
  • Home Purchase Loan Applications Increase: Despite the overall market slowdown, mortgage applications for home purchases saw a 1% gain and were 12% higher than the same week last year, indicating potential vitality in the upcoming spring housing market.
  • Market Dynamics and Fed Influence: While most analysts do not expect the Federal Reserve to cut rates at the upcoming meeting, the market's focus on geopolitical factors may lead to volatility in rates, impacting the stability of the mortgage market.
NASDAQ.COM
2.0
03-12NASDAQ.COM
loanDepot (LDI) Q4 2025 Earnings Call Transcript
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.
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
BofA
Underperform
downgrade
AI Analysis
2026-03-30
New
Reason
BofA
Price Target
AI Analysis
2026-03-30
New
downgrade
Underperform
Reason
BofA lowered the firm's price target on LoanDepot to $1.50 from $1.75 and keeps an Underperform rating on the shares. Following "mixed" Q4 results, the firm cites a challenging mortgage market and Q1 guidance for its lowered target.
Goldman Sachs
Sell
downgrade
2026-03-23
Reason
Goldman Sachs
Price Target
2026-03-23
downgrade
Sell
Reason
Goldman Sachs lowered the firm's price target on LoanDepot to $2.10 from $2.40 and keeps a Sell rating on the shares.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for LDI
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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 41.36. 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
41.36
Current PE
17.53
Overvalued PE
219.17
Undervalued PE
-136.46

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
0.34
Current PS
0.32
Overvalued PS
0.46
Undervalued PS
0.23

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 1.435 USD — it has increased 1.06

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 392.60M USD, increased 50.57

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 4700 emplpoyees as of April 01 2026.

What is loanDepot Inc (LDI) market cap?

Today LDI has the market capitalization of 475.74M USD.