loanDepot (LDI) AI Stock Analysis

• Market Cap: $903.07M
• Dividend Yield: N/A
• Average Volume (3M): 4.84M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.80
• Revenue Growth: 3.91%
• EPS Growth: 27.78%
• Country: US
• Employees: 4,900
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Mortgages
• EPS (TTM): -0.01
• Shares Outstanding: 126,394,170
• 10 Day Avg. Volume: 3,285,934
• 30 Day Avg. Volume: 4,840,646
• 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: 5.32
• Enterprise Value/Revenue: 3.97
• Enterprise Value/Gross Profit: 5.49
• Enterprise Value/Ebitda: -36.27
• 1Y Price Target: $2.58
• Price Target Upside: -4.80% Downside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 4
• EPS Forecast (FY): -0.17
• Revenue Forecast (FY): $1.21B

• Rating: 44 Neutral
• Price Target: $3.00 ▲(10.70% Upside)

loanDepot's overall stock score is primarily impacted by its challenging financial performance, characterized by high leverage and negative profitability. Technical analysis shows a neutral trend, while valuation metrics are unattractive due to ongoing losses. Despite some strategic improvements highlighted in the earnings call, the financial risks and operational inefficiencies weigh heavily on the stock's attractiveness.

Positive Factors

Revenue Growth

The 14% revenue growth indicates effective business strategies and operational improvements, which can enhance long-term financial stability.

Leadership Changes

The appointment of a new Chief Growth Officer with fintech expertise could drive strategic growth and innovation, strengthening competitive positioning.

Cash Position Improvement

Improved cash position enhances financial flexibility, supporting potential investments in growth opportunities and operational resilience.

Negative Factors

High Leverage

High leverage poses financial risk, limiting the company's ability to invest in growth and weather economic downturns, affecting long-term stability.

Negative Cash Flows

Negative cash flows indicate operational inefficiencies and potential liquidity issues, challenging the company's ability to sustain operations long-term.

Declining Loan Origination Volume

A decline in loan origination volume suggests potential market share loss and reduced revenue opportunities, impacting future growth prospects.

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 with declining revenue and profitability. Despite a strong gross profit margin, the net profit margin is negative, indicating ongoing losses. High leverage and negative cash flows further highlight 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	1.21B	1.12B	1.04B	1.41B	3.76B	4.34B
Gross Profit	875.77M	787.45M	731.09M	1.00B	3.45B	4.14B
EBITDA	-132.50M	-195.73M	-222.88M	-627.01M	724.67M	2.08B
Net Income	-73.40M	-98.33M	-110.14M	-273.02M	113.52M	0.00
Balance Sheet
Total Assets	6.24B	6.34B	6.15B	6.61B	11.81B	10.89B
Cash, Cash Equivalents and Short-Term Investments	459.16M	421.58M	660.71M	863.96M	419.57M	284.22M
Total Debt	5.43B	5.43B	4.98B	5.13B	9.52B	8.63B
Total Liabilities	5.81B	5.84B	5.45B	5.69B	10.18B	9.24B
Stockholders Equity	259.37M	272.89M	353.18M	433.50M	523.56M	0.00
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	-82.55M	151.74M	-226.09M	-4.77B	1.30B	2.43B

loanDepot Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2.71
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For LDI, the sentiment is Negative. The current price of 2.71 is below the 20-day moving average (MA) of 2.74, below the 50-day MA of 2.99, and above the 200-day MA of 1.99, indicating a neutral trend. The MACD of -0.07 indicates Negative momentum. The RSI at 46.69 is Neutral, neither overbought nor oversold. The STOCH value of 54.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for LDI.

loanDepot Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GHLD	70 Outperform	$1.24B	50.97	10.53%	―	23.81%	―
PFSI	68 Neutral	$6.59B	13.66	12.55%	0.89%	25.42%	190.85%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
COOP	65 Neutral	―	―	―	―	2.27%	-17.46%
RKT	59 Neutral	$56.26B	251.64	-2.15%	―	22.56%	―
UWMC	46 Neutral	$9.38B	―	11.37%	7.07%	-8.66%	―
LDI	44 Neutral	$903.07M	-7.36	-25.72%	―	3.91%	27.78%

loanDepot Corporate Events

loanDepot Strengthens Market Position with New Agreements

On November 14, 2025, loanDepot.com, LLC, a subsidiary of loanDepot, Inc., entered into a significant financial arrangement involving its Fannie Mae mortgage servicing rights. The company executed a participation agreement and a master repurchase agreement with its subsidiary, loanDepot FAMSR Master Trust, to facilitate the issuance of variable funding notes and term notes secured by these rights. This strategic move, which includes a maximum purchase price of $300 million for the Series 2025-VF1 Notes, aims to enhance loanDepot’s financial flexibility and strengthen its market position in the mortgage servicing sector.

The most recent analyst rating on (LDI) stock is a Hold with a $2.50 price target. To see the full list of analyst forecasts on loanDepot stock, see the LDI Stock Forecast page.

loanDepot, Inc. Q3 Earnings Call: Strategic Gains Amid Challenges

loanDepot, Inc. Balances Strategic Gains with Persistent Challenges in Q3 Earnings Call

loanDepot Reports Improved Q3 2025 Financial Performance

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

loanDepot Reports Q3 Revenue Growth and Reduced Loss

On November 6, 2025, loanDepot announced its financial results for the third quarter ended September 30, 2025, highlighting a 14% increase in revenue to $323 million and a significant reduction in net loss by 65% compared to the previous quarter. The company attributes its positive momentum to higher pull-through volume, improved margins, and increased servicing income, alongside strategic leadership restructuring aimed at leveraging its unique assets for operational excellence and market share growth.

The most recent analyst rating on (LDI) stock is a Hold with a $3.00 price target. To see the full list of analyst forecasts on loanDepot stock, see the LDI Stock Forecast page.