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loanDepot, Inc.
LDI
NYSE·Financial Services·Financial - Mortgages·Mkt cap $422.1M
$1.23
▼ -2.38%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$1.10 - $5.05
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Down 4.5% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Digital-first mortgage platform reducing origination costs and processing time
- Vertically-integrated service ecosystem capturing title, escrow, and insurance revenue
- Established mortgage servicing portfolio generating recurring fee-based income
- Scale and operational efficiency in a fragmented mortgage industry
- Multi-channel distribution including direct-to-consumer and wholesale channels
Bear Case
2 risks
- Very high volatility (beta 3.0). Expect 3x market swings. Position size accordingly.
- Growth premium of 0.0x vs Mortgage Banking & Lending peers. Reasonable for this growth rate.
Growth
Mild headwinds expected
Refinancing volume expansion during declining interest rate environments
Value
Growth premium of 0.0x vs Mortgage Banking & Lending peers. Reasonable for this growth rate.
Momentum
Weak
-13.7% over 3m
Quality
Excellent
Emerging growth company (62% revenue growth). Early stage with higher risk.
Dividend
None
No dividend
Smart-money signal
Who's buying LDI right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: May 4, 2026
MAY 5, 2026
Reported EPS of -$0.15 vs -$0.06 consensus (-150.0% surprise). Revenue of $286.4M vs $306.7M expected (-6.6%).
EPS surprise · last 4Q
0 of 1 beats
Q2 26
-150.0%
Next: May 4, 2026
Revenue trend · last 8Q
—
—
+20%
+32%
+22%
+13%
+107%
+37%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$181.1M
$230.0M
$198.2M
$283.7M
$305.0M
$340.7M
$409.7M
$387.4M
Margins · last 8Q
Gross
—
Operating
—
Profit
-9.7%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
No analyst coverage on file for this stock yet.
vs Industry
How LDI stacks vs Financial - Mortgages
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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