loanDepot, Inc. (LDI) AI Stock Analysis

loanDepot, Inc. is a residential mortgage company in the United States that specializes in the origination, financing, sale, and servicing of mortgage loans. Founded in 2010 and based in Foothill Ranch, California, the company offers conventional agency-conforming loans, prime jumbo loans, federal assistance residential mortgages, and home equity loans. In addition to mortgage lending, loanDepot operates settlement services through a captive title and escrow business, real estate referral services, and homeowner insurance services. The company employs 4,626 people and focuses on leveraging technology and innovation to enhance customer service and operating efficiency across the home financing process.

Annual revenue rose 37.6% in FY2025 to $1.54B, recovering from $1.12B in FY2024 and $1.04B in FY2023, though it remains below $3.76B recorded in FY2021. The 5-year revenue CAGR from FY2020 to FY2025 was -18.8%. Operating margin improved to 13.2% in FY2025, up from -21.7% in FY2024 and -48.9% in FY2022. Despite this operational improvement, loanDepot recorded net losses across four consecutive fiscal years, including -$62.6M in FY2025. For the trailing twelve months through June 30, 2026, revenue stood at $1.26B with a profit margin of -5.5%. In the latest quarter, revenue grew 9.7% year-over-year while earnings growth declined 98.8%.

As of June 30, 2026, loanDepot held $229.1M in cash and short-term investments against total debt of $4.61B, yielding net debt of $4.38B. Shareholders' equity was $201.0M, resulting in a debt-to-equity ratio of 22.93 and a current ratio of 0.10. Operating cash flow in FY2025 was -$707.5M, while free cash flow was -$734.6M. Cash deployment in FY2025 included $27.1M in capital expenditures, $9.3M in share buybacks, and $2.5M in dividends paid. Over five years, the share count increased 60.4%.

At a last close of $0.53, loanDepot has a market capitalization of $237.5M and an enterprise value of $5.90B. The stock trades at a price-to-sales multiple of 0.2x and a price-to-book ratio of 1.1x, compared to a median price-to-sales of 3.2x for its US-listed Financial Services peers. Its forward P/E ratio is 112.4x compared to the peer median of 10.8x. Over the past year, LDI dropped 82.2% while the S&P 500 (SPY) gained 16.8%. Over five years, LDI has returned -91.6% against an 83.0% return for SPY.

Wall Street analyst coverage consists of 0 Strong Buy, 0 Buy, 2 Hold, 1 Sell, and 1 Strong Sell ratings. The mean price target is $1.12, which is 110.7% above the last close of $0.53. For the fiscal year ending December 31, 2026, consensus estimates point to revenue of $1.25B and EPS of -$0.19. For the next fiscal year, 3 analysts project revenue of $1.36B and EPS of -$0.05. loanDepot has beaten EPS estimates in 0 of the last 4 quarters. The next earnings date is November 5, 2026.

This page is an AI-written research summary of loanDepot, Inc. (LDI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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