LDI - NYSE

loanDepot, Inc.

loanDepot, Inc.

LDIยทNYSE

$1.18

-5.6%
Financial ServicesFinancial - Mortgages

loanDepot, Inc. engages in originating, financing, selling, and servicing residential mortgage loans in the United States. It offers conventional agency-conforming and prime jumbo, federal assistance residential mortgage, and home equity loans. The company also provides settlement services, which include captive title and escrow business; real estate services that cover captive real estate referral business; and insurance services, including services to homeowners, as well as other consumer insurance policies. The company was founded in 2010 and is headquartered in Foothill Ranch, California.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$395.33M
EPS-0.3000
P/E Ratio-3.93
Earnings Date08/06/2026
loanDepot, Inc.

loanDepot, Inc. Fair Value Envelope

LDI ยท NYSE

Our analysis suggests that LDI has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $1.18, this represents a potential HIDDEN relative to our calculated worth for loanDepot, Inc..

HIDDEN
Intrinsic Value
Current Price: $1.18

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

$
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$
%
$
$

Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value-$11.7B
+ Cash & Equivalents$337.2M
Firm Value-$11.4B
- Debt$5.0B
Equity Value-$16.4B
/ Shares Outstanding330,925,940B
DCF Value-$50
OVERVALUED BY 4312%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
-$832.2M
-$978.9M
-$1.2B
-$1.4B
-$1.6B
-$1.9B
-$2.2B
-$2.6B
-$3.0B
-$3.6B
Maintenance CapEx
-$6.4M
-$7.5M
-$8.8M
-$10.4M
-$12.2M
-$14.4M
-$16.9M
-$19.9M
-$23.4M
-$27.5M
Owner Earnings
-$838.6M
-$986.4M
-$1.2B
-$1.4B
-$1.6B
-$1.9B
-$2.2B
-$2.6B
-$3.1B
-$3.6B
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
-$776.5M
-$845.7M
-$921.1M
-$1.0B
-$1.1B
-$1.2B
-$1.3B
-$1.4B
-$1.5B
-$1.7B
Terminal Value represents 0.0% of Enterprise Value
Negative Owner Earnings
This company generates negative free cash flow. Consider adjusting maintenance CapEx percentage or check the financial data.

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