loanDepot, Inc.
$1.18
-5.6%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.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
Medium confidenceValuation multiple is compressed (P/E -3.9).
Valuation inputs: P/E -3.9, earnings yield N/A, momentum -5.6%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is acceptable (ROE -26.7%, ROIC +42.9%).
Profitability stack: net margin -4.1%, ROE -26.7%, ROIC +42.9%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile is elevated and scenario stress-testing is essential.
Risk factors: liabilities/assets +94.4%, momentum -5.6%, net margin -4.1%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
loanDepot, Inc. Market vs Earnings Trajectory
Loading price and EPS data...
loanDepot, Inc. Fair Value Envelope
loanDepot, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Net losses indicate the company is burning cash. Sustainability depends on path to profitability.
Profitability Insight
High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.
loanDepot, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
loanDepot, Inc. Funding & Solvency Profile
Financial Health Analysis
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
loanDepot, Inc. Street Expectations Map
Wall Street analysts project that LDI stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 2.40, with estimates ranging from a low of 2.40 to a high of 2.40.
The consensus 1-year price target stands at 2.40, with estimates ranging from a low of 2.40 to a high of 2.40.
Analyst Consensus Analysis
Upside Potential
Substantial upside potential. Analysts see significant value gap, suggesting the stock may be materially undervalued at current levels.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Analyst Conviction
Strong buy conviction: High upside with tight consensus suggests compelling investment opportunity backed by analyst confidence.
Market Sentiment Insight
Rare opportunity: Exceptional upside potential with strong analyst consensus creates a compelling setup. The combination of significant price target premium and tight agreement suggests high-conviction undervaluation that may attract institutional capital.
loanDepot, Inc. Insider Positioning
During the last 12 months, insiders have sold $65.76M worth of LDI shares, with no buying activity reported.
3 Months
0
0.00
0
0.00
+0
+$0
3-6 Months
0
0.00
3.6M
9.28M
-9.3M
-$9.28M
6-9 Months
0
0.00
9.8M
34.60M
-34.6M
-$34.60M
9-12 Months
0
0.00
9.8M
21.88M
-21.9M
-$21.88M
Top Buyers
No buying activity
Top Sellers
Hsieh Anthony Li
Director, 10 Percent Owner, Officer: Executive Chair, Ceo & Pres.
$57.73M
Pcp Managers Gp, Llc
Director, 10 Percent Owner:
$5.97M
Dergurahian Jeffrey Michael
Officer: Chief Investment Officer
$754K
Walsh Jeff Alexander
Officer: President, Ldi Mortgage
$626K
Graeler Darren
Officer: Chief Accounting Officer
$430K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $65.76M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.
Insider Participation
5 insider sellers vs. 0 buyers. Widespread selling across multiple insiders may signal concerns.
ldi Dividend History
Learning Layer
Related Guides
Build conviction on LDI by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.