LDI

loanDepot, Inc.

Fundamental data last updated:October 8, 2026

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company profile

SECTOR

Financial Services

industry

Financial - Mortgages

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

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.

 


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VALUATION

P/E

-3.80

Market Cap ($M USD)

$435.54M

Forward P/E

6.50

PEG

0.04

PRICE TO SALES

0.30

PRICE TO BOOK

1.46

EV / EBITDA

81.43

5-Year Average P/E

Free Cash Flow Yield

-166.49%

DCF Value

$-35.68

Graham Number

N/A

Price to FCF

-0.60

EV to FCF

-7.24

Earnings Yield

-26.28%

FCF Yield

-166.49%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

-0.65%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

-$0.34

Next Year EPS Growth Estimate

$0.20

Next Year Revenue Growth Estimate

$1.61B

Return on Equity (ROE)

-32.25%

FREE CASH FLOW

Operating Margin

2.39%

Debt-to-Equity

21.48

Piotroski F-Score

4

Altman Z-Score

-0.38

Return on Invested Capital (ROIC)

0.90%

Current Ratio

0.10

Quick Ratio

0.10

Net Debt to EBITDA

74.67

Interest Coverage

0.10

Gross Profit margin

81.79%

FCF PER SHARE

$-3.17

REVENUE PER SHARE

$6.30

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Gainseekers Quantitative Analysis

Summary

loanDepot, Inc. appears to be a perplexing case of financial distress and potential opportunity. The market has priced it significantly below its DCF value, suggesting a lack of confidence in its future cash flows. With a Forward P/E of 7, the market expects some recovery, but the negative Earnings Yield and Altman Z-score signal financial instability. The company’s valuation metrics, such as Price/Book below 1, hint at a potential bargain, yet the negative ROE and EPS raise red flags about management’s effectiveness in generating shareholder value.

AI Exposure / Tech Reliance

Operating within the Financial - Mortgages industry, loanDepot, Inc. faces a rapidly evolving landscape with AI and tech innovations. While the company must adapt to digital mortgage solutions and automated underwriting, its current metrics do not explicitly reflect a strong tech-driven strategy. The industry demands agility, and loanDepot's ability to integrate AI could be pivotal for future resilience.

The Bull Case

For the optimistic investor, loanDepot's story is one of potential turnaround. The Forward PEG ratio of 0.044 suggests undervaluation relative to its growth prospects, and the operating margin of 2.39% indicates some pricing power. Although the Piotroski F-Score is low, the company’s ability to improve ROIC to 0.82% could signal better capital efficiency ahead. If management can leverage these strengths, there may be a path to unlocking value.

The Bear Case

However, the bear case is hard to ignore. With a staggering Net Debt to EBITDA ratio of 74.67, the company is heavily leveraged, posing significant financial risk. The negative Free Cash Flow Yield and Price to FCF ratio highlight severe cash flow issues, while the Altman Z-score suggests potential distress. The stock's technical position, trading below both its 50-Day and 200-Day SMAs, further underscores its precarious state.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$2.08

Institutional Ownership %

1-Year Beta

3.11

Insider Buying % (6 Mo)

Distance to 52-Week High

288.46%

Distance to 52-Week Low

13.08%

EARNINGS SURPRISE %

-150.00%

50-DAY SMA

$1.43

200-DAY SMA

$2.30

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.