loanDepot (LDI) AI Stock Analysis

• Market Cap: $876.95M
• Dividend Yield: N/A
• Average Volume (3M): 6.56M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.84
• Revenue Growth: 13.91%
• EPS Growth: 27.78%
• Country: US
• Employees: 4,900
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): -0.01
• Shares Outstanding: 112,351,105
• 10 Day Avg. Volume: 5,605,319
• 30 Day Avg. Volume: 6,564,490
• PEG Ratio: 0.24
• Price to Book (P/B): 1.39
• Price to Sales (P/S): 0.36
• P/FCF Ratio: -0.42
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: $2.50
• Price Target Upside: -9.09% Downside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 4
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 49 Neutral
• Price Target: $3.00 ▲(9.09% Upside)

loanDepot's overall stock score is primarily impacted by its financial challenges, including high leverage and negative cash flows. While there are some positive technical indicators and improvements in operational metrics, the ongoing losses and valuation concerns weigh heavily on the score. The earnings call provided some optimism with increased volumes and reduced losses, but the outlook remains cautious due to expected expense increases.

Positive Factors

Revenue Growth

The substantial revenue growth suggests loanDepot is effectively capturing market opportunities, indicating strong demand for its mortgage products and services.

Technology and Innovation

The focus on digital transformation through new leadership positions enhances loanDepot's competitive edge by improving operational efficiency and customer experience.

Operational Improvements

The increase in origination volume reflects operational improvements and market share gains, positioning loanDepot for sustained growth in the mortgage market.

Negative Factors

High Leverage

High leverage poses financial risks, limiting flexibility and increasing vulnerability to market fluctuations, which could impact long-term stability.

Negative Cash Flows

Negative cash flows indicate challenges in generating sufficient cash from operations, which could hinder the company's ability to invest in growth and manage debt.

Continued Losses

Ongoing losses highlight profitability challenges, suggesting that loanDepot needs to address cost structures and improve margins to achieve financial sustainability.

loanDepot Business Overview & Revenue Model

Company Description

loanDepot (LDI) is a leading non-bank mortgage lender based in the United States, specializing in providing a wide range of home loan products and services. Founded in 2010, the company operates in the financial services sector, focusing primarily on residential mortgage lending, including conventional loans, FHA loans, VA loans, and refinancing options. loanDepot leverages advanced technology to streamline the mortgage process, offering customers a user-friendly online platform and personalized service through its network of licensed loan officers.

How the Company Makes Money

loanDepot generates revenue primarily through the origination and servicing of mortgage loans. When a customer takes out a loan, loanDepot earns income from origination fees, which are charged as a percentage of the loan amount. Additionally, the company profits from interest on the loans it originates, as well as from the sale of loans to investors in the secondary market. loanDepot also generates servicing fees from managing the loans it retains in its portfolio. Key partnerships with technology providers enhance its operational efficiency and customer experience, contributing to its competitive advantage in the market.

loanDepot Financial Statement Overview

Summary

loanDepot faces significant financial challenges, including high leverage, negative cash flows, and ongoing losses. Despite some revenue growth, profitability remains elusive, and the balance sheet shows high debt levels, indicating financial instability.

Income Statement

loanDepot's income statement shows a challenging environment with declining revenue and profitability. The TTM data indicates a significant revenue growth of 69.8%, but this follows a period of substantial revenue decline in previous years. The gross profit margin is strong at 94.3% TTM, but the net profit margin remains negative, indicating ongoing losses. EBIT and EBITDA margins have improved slightly but remain low, reflecting operational challenges.

Balance Sheet

The balance sheet reveals high leverage with a debt-to-equity ratio of 10.27 TTM, indicating significant financial risk. Return on equity is negative, reflecting ongoing losses and a weak equity position. The equity ratio is low, suggesting limited financial stability. The company needs to address its high debt levels to improve financial health.

Cash Flow

Cash flow analysis shows negative operating and free cash flows, with a significant decline in free cash flow growth. The operating cash flow to net income ratio is negative, indicating cash flow challenges. Although the free cash flow to net income ratio is positive, it reflects the company's ability to generate cash relative to its losses, rather than profitability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.16B	1.05B	971.62M	1.78B	5.01B	4.34B
Gross Profit	234.07M	1.21B	1.13B	1.00B	4.01B	4.56B
EBITDA	-281.00K	140.14M	0.00	-311.31M	1.02B	4.39B
Net Income	-73.40M	-98.33M	-110.14M	-273.02M	113.52M	2.01B
Balance Sheet
Total Assets	6.24B	6.34B	6.15B	7.10B	11.78B	10.89B
Cash, Cash Equivalents and Short-Term Investments	459.16M	421.58M	660.71M	863.96M	419.57M	284.22M
Total Debt	0.00	4.44B	4.27B	4.50B	9.16B	7.38B
Total Liabilities	5.81B	5.84B	5.45B	5.69B	10.18B	9.24B
Stockholders Equity	433.31M	272.89M	353.18M	921.47M	523.56M	1.66B
Cash Flow
Free Cash Flow	-52.97M	-891.81M	-194.83M	4.42B	-1.52B	-2.06B
Operating Cash Flow	-28.29M	-865.42M	-174.22M	4.46B	-1.47B	-2.03B
Investing Cash Flow	58.07M	495.05M	165.66M	667.76M	296.78M	-27.67M
Financing Cash Flow	-127.16M	151.74M	-226.09M	-4.77B	1.30B	2.43B

loanDepot Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 2.75
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LDI, the sentiment is Neutral. The current price of 2.75 is below the 20-day moving average (MA) of 3.09, below the 50-day MA of 3.21, and above the 200-day MA of 1.91, indicating a neutral trend. The MACD of -0.08 indicates Positive momentum. The RSI at 41.05 is Neutral, neither overbought nor oversold. The STOCH value of 9.63 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for LDI.

loanDepot Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PFSI	71 Outperform	$6.59B	13.66	12.55%	0.99%	25.42%	190.85%
GHLD	70 Outperform	$1.24B	50.97	10.52%	―	28.67%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
COOP	65 Neutral	―	―	―	―	2.27%	-17.46%
LDI	49 Neutral	$876.95M	-7.46	-19.71%	―	13.91%	27.78%
RKT	49 Neutral	$45.87B	196.60	-2.15%	―	22.56%	―
UWMC	48 Neutral	$8.14B	―	11.37%	7.07%	-8.66%	―

loanDepot Corporate Events

loanDepot’s Earnings Call: Growth Amid Challenges

The recent earnings call for loanDepot, Inc. painted a picture of both optimism and challenges. The company reported strong growth in loan origination volume and revenue, effective cost management, and a robust cash position. However, it continues to grapple with a net loss and the need to regain market share and efficiency through technology. The appointment of new leadership is expected to drive digital transformation and innovation, which could be pivotal for the company’s future.

loanDepot Reports Q2 2025 Financial Results and Strategic Focus

loanDepot, Inc. is a leading mortgage lender in the United States, known for its digital innovations in the mortgage industry, offering a range of lending and real estate services to simplify homeownership.

loanDepot Announces President Resignation and Q2 Results

On August 7, 2025, loanDepot announced the resignation of Jeff Walsh as President of LDI Mortgage, effective September 5, 2025, with a transition agreement in place. The company also released its second quarter 2025 financial results, highlighting a 3% increase in revenue to $283 million and a reduction in net loss by 38% compared to the previous quarter. Founder Anthony Hsieh has been appointed as permanent CEO, emphasizing growth and technology-driven efficiency to return to profitability. The company is enhancing its digital transformation efforts by appointing new technology leaders, aiming to strengthen its market position.

The most recent analyst rating on (LDI) stock is a Sell with a $1.70 price target. To see the full list of analyst forecasts on loanDepot stock, see the LDI Stock Forecast page.