loanDepot (LDI) Stock Price, News & Analysis

Company Overview

loanDepot, Inc. (NYSE: LDI) is a leading nonbank consumer lender in the United States that specializes in residential mortgage lending and related financial services. Through its proprietary digital platform, the company offers streamlined origination and servicing of home loans, catering to borrowers seeking purchase and refinance solutions. With a focus on technology-driven workflows, loanDepot aims to enhance the borrower experience by simplifying application processes and reducing turnaround times.

The company’s product portfolio includes conventional conforming loans, government-insured FHA, VA and USDA mortgages, jumbo loans, and non‐qualified mortgage (non-QM) products designed for self-employed or nontraditional income borrowers. In addition to home purchase and refinance financing, loanDepot provides home equity lines of credit (HELOCs) and renovation loans, as well as ancillary services such as mortgage servicing, title and appraisal services through its Mello subsidiary. The integrated platform allows borrowers to track progress online, access educational tools and receive personalized support from licensed loan officers.

Founded in 2010 by Anthony Hsieh and headquartered in Foothill Ranch, California, loanDepot has grown rapidly through a combination of organic expansion and strategic investments in digital infrastructure. The company’s management team is led by President and Chief Executive Officer Frank Martell, a seasoned financial services executive, and Chief Financial Officer Bill Cosgrove. Under their leadership, loanDepot has emphasized scalable technology, compliance rigor and customer-centric processes.

loanDepot serves borrowers nationwide through its direct-to-consumer model, digital channels and a network of licensed mortgage professionals. By leveraging data analytics and automated decisioning, the company seeks to maintain competitive pricing and underwriting flexibility. As the mortgage market evolves, loanDepot continues to invest in innovation and partnerships aimed at delivering a seamless home financing experience for a diverse range of customers across the United States.

Key Stats

• Today's Range: $1.45 to $1.55
• 50-Day Range: $1.12 to $1.53
• 52-Week Range: $1.01 to $3.23
• Volume: 407,759 shs
• Average Volume: 914,747 shs
• Market Capitalization: $503.11 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $1.98
• Consensus Rating: Reduce

loanDepot Stock Analysis - MarketRank™

loanDepot scored higher than 24% of companies evaluated by MarketBeat, and ranked 797th out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.8 / 5
• Analyst Rating: Reduce

Consensus Rating

loanDepot has received a consensus rating of Reduce. The company's average rating score is 1.50, and is based on no buy ratings, 1 hold rating, and 1 sell rating.

Amount of Analyst Coverage

loanDepot has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: Growing

Earnings Growth

Earnings for loanDepot are expected to grow in the coming year, from ($0.23) to $0.18 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of loanDepot is -3.41, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of loanDepot is -3.41, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

loanDepot has a P/B Ratio of 1.01. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

5.46% of the float of loanDepot has been sold short.

Short Interest Ratio / Days to Cover

loanDepot has a short interest ratio ("days to cover") of 4.2.

Change versus previous month

Short interest in loanDepot has recently increased by 142.20%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

loanDepot does not currently pay a dividend.

Dividend Growth

loanDepot does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

5.46% of the float of loanDepot has been sold short.

Short Interest Ratio / Days to Cover

loanDepot has a short interest ratio ("days to cover") of 4.2.

Change versus previous month

Short interest in loanDepot has recently increased by 142.20%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.1 / 5
• News Sentiment: N/A

Search Interest

3 people have searched for LDI on MarketBeat in the last 30 days.

MarketBeat Follows

3 people have added loanDepot to their MarketBeat watchlist in the last 30 days. This is an increase of 50% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, loanDepot insiders have not sold or bought any company stock.

Percentage Held by Insiders

83.04% of the stock of loanDepot is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 39.39% of the stock of loanDepot is held by institutions.

LDI Stock Analysis - Frequently Asked Questions

How have LDI shares performed this year?

loanDepot's stock was trading at $2.04 on January 1st, 2025. Since then, LDI shares have decreased by 24.8% and is now trading at $1.5350.

How were loanDepot's earnings last quarter?

loanDepot, Inc. (NYSE:LDI) posted its earnings results on Tuesday, May, 6th. The company reported ($0.15) earnings per share for the quarter, missing the consensus estimate of ($0.07) by $0.08. The company had revenue of $273.62 million for the quarter, compared to analyst estimates of $275.11 million. loanDepot had a negative net margin of 7.74% and a negative trailing twelve-month return on equity of 18.41%.
Read the conference call transcript.

When did loanDepot IPO?

loanDepot (LDI) raised $300 million in an initial public offering on Thursday, February 11th 2021. The company issued 15,000,000 shares at $19.00-$21.00 per share. Goldman Sachs, BofA Securities, Credit Suisse, Morgan Stanley, Barclays, Citigroup, Jefferies and UBS Investment Bank served as the underwriters for the IPO and JMP Securities, Nomura, Piper Sandler, Raymond James and William Blair were co-managers.

How do I buy shares of loanDepot?

Shares of LDI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of loanDepot own?

Based on aggregate information from My MarketBeat watchlists, some other companies that loanDepot investors own include NVIDIA (NVDA), Tesla (TSLA), Ford Motor (F), PayPal (PYPL), Meta Platforms (META) and Advanced Micro Devices (AMD).

Company Calendar

• Last Earnings: 5/06/2025
• Today: 7/16/2025
• Next Earnings (Estimated): 8/05/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - MTG&REL SVS
• Sub-Industry: Banking
• Current Symbol: NYSE:LDI
• CIK: 1831631
• Web: www.loandepot.com
• Phone: 888-337-6888
• Fax: N/A
• Employees: 4,900
• Year Founded: N/A

Price Target and Rating

• Average Price Target for loanDepot: $1.98
• High Price Target: $2.70
• Low Price Target: $1.25
• Potential Upside/Downside: +34.8%
• Consensus Rating: Reduce
• Rating Score (0-4): 1.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): ($0.45)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$98.33 million
• Net Margins: -7.74%
• Pretax Margin: -18.34%
• Return on Equity: -18.41%
• Return on Assets: -1.57%

Debt

• Debt-to-Equity Ratio: 6.48
• Current Ratio: 1.18
• Quick Ratio: 1.18

Sales & Book Value

• Annual Sales: $1.06 billion
• Price / Sales: 0.46
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $1.52 per share
• Price / Book: 0.96

Miscellaneous

• Outstanding Shares: 329,910,000
• Free Float: 55,953,000
• Market Cap: $483.32 million
• Optionable: Optionable
• Beta: 3.33