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Company Analysis

loanDepot, Inc. LDI

A comprehensive view of key metrics, scores, and financial health for loanDepot, Inc.

Overview of loanDepot, Inc.

LDI NYQ
Financial Services Mortgage Finance Small Cap
loanDepot, Inc. (LDI), is a Small Cap company, in the Mortgage Finance industry, last closed at $1.59, about 20.1% overvalued vs fair value, +6.0% 1Y return, ranked 778/1004 in sector.
$1.59
-5.92%
As of March 13, 2026
Previous close • Vol 90d: 80.5%
52-Week Range
Market Cap
$840.63M
Enterprise Value
$4.81B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.loandepot.com
HQ Irvine, CA
Employees 4,553
Fiscal year Dec 31

Next Events

Earnings Mar 10 Call: Mar 10

Fair Value Snapshot

Bear Base Bull
$1
$1
$2
Current: $1.59 -20% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$146.5M
9.9%%
Interest Expense
$335.9M
Net Interest Income
$-189.4M
-10.8%%
Total Revenue
$781.1M
5.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-36.0%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating loanDepot, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
20
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
21
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing LDI's balance between Growth (33.9%), Profitability (31.4%), and Safety (34.7%). Growth 34% Safety 35% Profitability 31%

Click axes to expand details. Marker shows current allocation.

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Growth

30th percentile vs peers
31
Key Signals
Rev Growth YoY 5.7% 38p EPS Growth YoY 15.9% 37p Revenue CAGR 3Y -39.1% 16p TSR -47.0% 28p
Strengths
  • Conservative leverage compared to industry peers
Risks
  • Growth below peer median (percentile: 30)

Profitability

28th percentile vs peers
29
Key Signals
Strengths
Risks
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Safety

31th percentile vs peers
31
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for loanDepot, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$1.27
- - -
-20.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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