image
loanDepot, Inc. LDI
Financial Services - Financial - Mortgages - NYSE - US
Watchlist
$ 1.94
15 %
$ 640 M
Market Cap
-4.18
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one LDI stock under the worst case scenario is HIDDEN Compared to the current market price of 1.94 USD, loanDepot, Inc. is HIDDEN

LDI Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one LDI stock under the base case scenario is HIDDEN Compared to the current market price of 1.94 USD, loanDepot, Inc. is HIDDEN

LDI Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one LDI stock under the best case scenario is HIDDEN Compared to the current market price of 1.94 USD, loanDepot, Inc. is HIDDEN

LDI Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart LDI

image
1M 38%
6M 9%
1Y -4%
3Y 17%
5Y --%
All
$2.0$2.0$1.9$1.9$1.8$1.8$1.7$1.7$1.6$1.6$1.5$1.5$1.4$1.4$1.3$1.3$1.2$1.2$1.1$1.1$1.0$1.0Feb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '2515 Jul15 Jul
FINANCIALS
1.06 B REVENUE
43.42%
Growth Rates
1Year 43.42%
3Years -32.53%
5Years -2.62%
7Years -6.08%
10Years 0.00%
723 M OPERATING INCOME
0.00%
Growth Rates
1Year 0.00%
3Years 66.43%
5Years -9.79%
7Years 56.22%
10Years 0.00%
-202 M NET INCOME
-83.54%
Growth Rates
1Year -83.54%
3Years -9.82%
5Years -47.04%
7Years -40.29%
10Years 0.00%
-865 M OPERATING CASH FLOW
-396.75%
Growth Rates
1Year -396.75%
3Years 16.11%
5Years 10.39%
7Years -8.71%
10Years 0.00%
495 M INVESTING CASH FLOW
198.84%
Growth Rates
1Year 198.84%
3Years 18.60%
5Years 28.54%
7Years 29.25%
10Years 0.00%
152 M FINANCING CASH FLOW
167.11%
Growth Rates
1Year 167.11%
3Years -51.14%
5Years -35.51%
7Years -17.59%
10Years 0.00%
284 M REVENUE
0.41%
Growth Rates
1Year 43.42%
3Years -32.53%
5Years -2.62%
7Years -6.08%
10Years 0.00%
-46.1 M OPERATING INCOME
45.20%
Growth Rates
1Year 0.00%
3Years 66.43%
5Years -9.79%
7Years 56.22%
10Years 0.00%
-40.7 M NET INCOME
39.68%
Growth Rates
1Year -83.54%
3Years -9.82%
5Years -47.04%
7Years -40.29%
10Years 0.00%
-180 M OPERATING CASH FLOW
-443.49%
Growth Rates
1Year -396.75%
3Years 16.11%
5Years 10.39%
7Years -8.71%
10Years 0.00%
2.8 M INVESTING CASH FLOW
-92.05%
Growth Rates
1Year 198.84%
3Years 18.60%
5Years 28.54%
7Years 29.25%
10Years 0.00%
0 FINANCING CASH FLOW
100.00%
Growth Rates
1Year 167.11%
3Years -51.14%
5Years -35.51%
7Years -17.59%
10Years 0.00%
Balance Sheet loanDepot, Inc.
image
Current Assets 422 M
Cash & Short-Term Investments 422 M
Receivables 32.6 M
Other Current Assets -32.6 M
Non-Current Assets 4.61 B
Long-Term Investments 2.78 B
PP&E 81.5 M
Other Non-Current Assets 1.74 B
8.39 %55.35 %34.64 %Total Assets$5.0b
Current Liabilities 2.67 B
Accounts Payable 188 M
Short-Term Debt 3.45 B
Other Current Liabilities -976 M
Non-Current Liabilities 2.13 B
Long-Term Debt 1.98 B
Other Non-Current Liabilities 152 M
3.91 %72.03 %41.24 %Total Liabilities$4.8b
EFFICIENCY
Earnings Waterfall loanDepot, Inc.
image
Revenue 1.06 B
Cost Of Revenue 0
Gross Profit 1.06 B
Operating Expenses 337 M
Operating Income 723 M
Other Expenses 925 M
Net Income -202 M
1b1b1b1b800m800m600m600m400m400m200m200m00(200m)(200m)(400m)(400m)1b01b(337m)723m(925m)(202m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 97.78%
5Years 98.25%
7Years 91.87%
10Years 86.09%
68.22% OPERATING MARGIN
68.22%
Averages
1Year 68.22%
3Years 20.87%
5Years 33.43%
7Years 52.45%
10Years 40.74%
-9.27% NET MARGIN
-9.27%
Averages
1Year -9.27%
3Years -28.18%
5Years -3.57%
7Years -3.64%
10Years 0.38%
-36.03% ROE
-36.03%
Averages
1Year -36.03%
3Years -44.49%
5Years 22.83%
7Years 17.19%
10Years 21.12%
-1.55% ROA
-1.55%
Averages
1Year -1.55%
3Years -3.98%
5Years 2.37%
7Years 1.10%
10Years 1.63%
10.35% ROIC
10.35%
Averages
1Year 10.35%
3Years 1.61%
5Years 52.95%
7Years 65.47%
10Years 57.79%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis loanDepot, Inc.
image
5b5b4b4b3b3b2b2b1b1b00(1b)(1b)(2b)(2b)(3b)(3b)201420142015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income -202 M
Depreciation & Amortization 47.1 M
Capital Expenditures -26.4 M
Stock-Based Compensation 24.9 M
Change in Working Capital 35.1 M
Others -687 M
Free Cash Flow -892 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets loanDepot, Inc.
image
Wall Street analysts predict an average 1-year price target for LDI of $1.4 , with forecasts ranging from a low of $1.4 to a high of $1.4 .
LDI Lowest Price Target Wall Street Target
1.4 USD -27.84%
LDI Average Price Target Wall Street Target
1.4 USD -27.84%
LDI Highest Price Target Wall Street Target
1.4 USD -27.84%
Price
Max Price Target
Min Price Target
Average Price Target
443333222211Sep '24Sep '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25May '25May '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26May '26May '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.08 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.7000.7000.6000.6000.5000.5000.4000.4000.3000.3000.2000.2000.1000.1000.0000.0000.6120.080.080.080.690.080.160.082021202120222022
Download SVG
Download PNG
Download CSV
5. COMPETITION
slide 2 of 7
6. Ownership
Insider Ownership loanDepot, Inc.
image
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
654 K USD 1
6-9 MONTHS
12.5 M USD 3
9-12 MONTHS
11.6 M USD 2
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
ONX X+ Mortgage, New Joint Venture Between loanDepot and Onx Homes, Now Serving Customers in Florida and Texas SCOTTSDALE, Ariz.--(BUSINESS WIRE)-- #HomeMeansEverything--loanDepot, Inc. (NYSE: LDI) and Onx Homes, announced that their new joint venture, ONX X+ Mortgage, is now serving homebuyers in Florida and Texas. The partnership pairs Onx Homes' innovative approach to homebuilding with loanDepot's best-in-class lending platform to deliver a seamless, tech-forward mortgage experience for new construction homebuyers. “With our joint venture now serving customers in Florida and Texas, we're thrilled to continue our work trans. businesswire.com - 1 month ago
loanDepot, Inc. Announces Issuance of Term Notes Secured by Ginnie Mae MSRs IRVINE, Calif.--(BUSINESS WIRE)---- $LDI #LDI--loanDepot, Inc. Announces Issuance of Term Notes Secured by Ginnie Mae MSRs. businesswire.com - 1 month ago
loanDepot, Inc. (LDI) Q1 2025 Earnings Call Transcript loanDepot, Inc. (NYSE:LDI ) Q1 2025 Earnings Conference Call May 6, 2025 5:00 PM ET Company Participants Gerhard Erdelji – Senior Vice President, Investor Relations Anthony Hsieh – Founder and Executive Chairman Frank Martell – President and Chief Executive Officer Dave Hayes – Chief Financial Officer Conference Call Participants Corey Johnson – UBS Operator Good afternoon, and welcome to loanDepot's First Quarter 2025 Earnings Call. All participants are in a listen-only mode. seekingalpha.com - 2 months ago
loanDepot (LDI) Reports Q1 Earnings: What Key Metrics Have to Say While the top- and bottom-line numbers for loanDepot (LDI) give a sense of how the business performed in the quarter ended March 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 2 months ago
LoanDepot (LDI) Reports Q1 Loss, Misses Revenue Estimates LoanDepot (LDI) came out with a quarterly loss of $0.13 per share versus the Zacks Consensus Estimate of a loss of $0.07. This compares to loss of $0.21 per share a year ago. zacks.com - 2 months ago
loanDepot Announces First Quarter 2025 Financial Results IRVINE, Calif.--(BUSINESS WIRE)---- $LDI #LDI--loanDepot announces first quarter 2025 financial results. businesswire.com - 2 months ago
LoanDepot (LDI) May Report Negative Earnings: Know the Trend Ahead of Next Week's Release LoanDepot (LDI) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 2 months ago
loanDepot, Inc. to Report First Quarter 2025 Financial Results on May 6, 2025 IRVINE, Calif.--(BUSINESS WIRE)---- $LDI #LDI--loanDepot, Inc. to Report First Quarter 2025 Financial Results on May 6, 2025. businesswire.com - 3 months ago
Hello Group, loanDepot, Mineralys Therapeutics And Other Big Stocks Moving Lower In Wednesday's Pre-Market Session U.S. stock futures were higher this morning, with the Dow futures gaining around 200 points on Wednesday. benzinga.com - 4 months ago
loanDepot, Inc. (LDI) Q4 2024 Earnings Call Transcript loanDepot, Inc. (NYSE:LDI ) Q4 2024 Earnings Conference Call March 11, 2025 5:00 PM ET Company Participants Gerhard Erdelji – Senior Vice President-Investor Relations Frank Martell – President and Chief Executive Officer Dave Hayes – Chief Financial Officer Jeff Walsh – LDI Mortgage President Conference Call Participants Doug Harter – UBS Derek Sommers – Jefferies Operator Ladies and gentlemen, good afternoon, and welcome to loanDepot's Year-End and Fourth Quarter 2024 Earnings Call. All lines have been placed on mute to prevent any background noise. seekingalpha.com - 4 months ago
loanDepot (LDI) Reports Q4 Earnings: What Key Metrics Have to Say Although the revenue and EPS for loanDepot (LDI) give a sense of how its business performed in the quarter ended December 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 4 months ago
LoanDepot (LDI) Reports Q4 Loss, Lags Revenue Estimates LoanDepot (LDI) came out with a quarterly loss of $0.23 per share versus the Zacks Consensus Estimate of $0.02. This compares to loss of $0.16 per share a year ago. zacks.com - 4 months ago
8. Profile Summary

loanDepot, Inc. LDI

image
COUNTRY US
INDUSTRY Financial - Mortgages
MARKET CAP $ 640 M
Dividend Yield 0.00%
Description 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.
Contact 26642 Towne Centre Drive, Irvine, CA, 92610 https://www.loandepot.com
IPO Date Feb. 11, 2021
Employees 4900
Officers Mr. George Brady Executive Vice President & Chief Information Officer Mr. Frank D. Martell Chief Executive Officer, President & Director Mr. Darren Graeler Executive Vice President & Chief Accounting Officer Mr. Jeffrey Michael DerGurahian Executive Vice President, Chief Investment Officer & Head Economist Mr. Gregory Smallwood Chief Legal Officer & Corporate Secretary Mr. David R. Hayes Chief Financial Officer Rebecca Anderson Senior Vice President of Strategic Communications & Public Relations Mr. Anthony Li Hsieh Founder, Chairman & Executive Chairman of Mortgage Originations Mr. Jeff Alexander Walsh President of LDI Mortgage Mr. Gerhard Erdelji Senior Vice President of Investor Relations