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loanDepot, Inc. logo

loanDepot, Inc.

LDI

NYSEFinancial ServicesFinancial - Mortgages

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Latest quote

$0.8922

+$0.0225 · +2.59%

Aug 21, 3:55 PM ET

LDI company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Sell

Trim exposure — unfavorable risk-reward

Valuation

47

Fair Value

Momentum

20

Strong Down

Sentiment

48

Mixed

Risk resilience

13

Extreme Risk

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Company profile

Company website

loanDepot, Inc. is a financial services company operating within the United States' residential mortgage industry. It manages the full lifecycle of home loans, from initial origination and financing through their eventual sale and ongoing servicing. The firm offers a comprehensive suite of mortgage products, including conventional agency-conforming loans, prime jumbo mortgages, federal assistance residential loans, and home equity financing. Beyond its lending activities, loanDepot provides various ancillary services, such as proprietary title and escrow settlement solutions, real estate referral programs, and diverse consumer insurance policies, particularly for homeowners. Established in 2010, the company's primary corporate office is situated in Foothill Ranch, California.

Industry
Financial - Mortgages
Sector
Financial Services
Headquarters
US
CEO
Anthony Li Hsieh
Listed since
Feb 11, 2021
Employees
4,626

Market position

Volume
767.16K
0.36× average
Average volume
2.11M
Average daily volume
Market cap
299.01M USD
Beta
3.12
Market reference 1

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
5.14B USD
P/E (TTM)
-2.95×
P/B (TTM)
1.02×
P/S (TTM)
0.2×
EV / EBITDA
22.39×
Earnings yield
-14.34%
Free cash flow yield
-168.17%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
90.48%
Operating margin
9.54%
Net margin
-4.75%
Return on equity
-26.71%
Return on assets
-0.91%
Return on invested capital
42.85%

Financial health

Debt / equity
22.93×
Current ratio
0.12×
Altman Z-score
-0.2
Piotroski F-score
2 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends106%50%-7%-63%Gross margin, FY2021: 91.88%Gross margin, FY2022: 70.83%Gross margin, FY2023: 70.06%Gross margin, FY2024: 70.50%Gross margin, FY2025: 88.34%Operating margin, FY2021: 17.74%Operating margin, FY2022: -48.85%Operating margin, FY2023: -26.67%Operating margin, FY2024: -21.74%Operating margin, FY2025: 13.22%Net margin, FY2021: 3.02%Net margin, FY2022: -19.33%Net margin, FY2023: -10.55%Net margin, FY2024: -8.80%Net margin, FY2025: -4.08%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 91.88%. Gross margin FY2022 70.83%. Gross margin FY2023 70.06%. Gross margin FY2024 70.50%. Gross margin FY2025 88.34%. Operating margin FY2021 17.74%. Operating margin FY2022 -48.85%. Operating margin FY2023 -26.67%. Operating margin FY2024 -21.74%. Operating margin FY2025 13.22%. Net margin FY2021 3.02%. Net margin FY2022 -19.33%. Net margin FY2023 -10.55%. Net margin FY2024 -8.80%. Net margin FY2025 -4.08%.

Income trends

Revenue

1.54B USD+37.59%

Operating income

203.21M USD+446.06M USD

Net income

−62.65M USD+36.29%
Income trends across reported periods4.2B USD2.42B USD644.14M USD−1.13B USDRevenue, FY2021: 3.76B USDRevenue, FY2022: 1.41B USDRevenue, FY2023: 1.04B USDRevenue, FY2024: 1.12B USDRevenue, FY2025: 1.54B USDOperating income, FY2021: 666.52M USDOperating income, FY2022: −689.98M USDOperating income, FY2023: −278.31M USDOperating income, FY2024: −242.85M USDOperating income, FY2025: 203.21M USDNet income, FY2021: 113.52M USDNet income, FY2022: −273.02M USDNet income, FY2023: −110.14M USDNet income, FY2024: −98.33M USDNet income, FY2025: −62.65M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 3.76B USD. Revenue FY2022 1.41B USD. Revenue FY2023 1.04B USD. Revenue FY2024 1.12B USD. Revenue FY2025 1.54B USD. Operating income FY2021 666.52M USD. Operating income FY2022 −689.98M USD. Operating income FY2023 −278.31M USD. Operating income FY2024 −242.85M USD. Operating income FY2025 203.21M USD. Net income FY2021 113.52M USD. Net income FY2022 −273.02M USD. Net income FY2023 −110.14M USD. Net income FY2024 −98.33M USD. Net income FY2025 −62.65M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.54B USD1.12B USD1.04B USD1.41B USD3.76B USD
Cost of goods sold179.11M USD329.53M USD312.43M USD411.95M USD305.21M USD
Gross profit1.36B USD787.45M USD731.09M USD1B USD3.45B USD
Selling, general, and administrative323.77M USD937.39M USD918.62M USD1.53B USD2.61B USD
Operating expenses1.15B USD1.03B USD1.01B USD1.69B USD2.79B USD
Interest income158.8M USD146.49M USD133.26M USD200.2M USD262.48M USD
Interest expense323.74M USD335.88M USD304.25M USD274.96M USD298.02M USD
Depreciation and amortization26.22M USD47.12M USD55.42M USD62.97M USD58.15M USD
Operating income203.21M USD−242.85M USD−278.31M USD−689.98M USD666.52M USD
Net income−62.65M USD−98.33M USD−110.14M USD−273.02M USD113.52M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
27%
3 beats, 8 misses, 0 met estimates
Average EPS surprise
-1202.99%
11 comparable reports
Latest EPS result
-0.09
Estimate 0 · Miss by 11350.00%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.04-0.06-0.17-0.27Q1 '25MissQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Mar 11, 2025: actual -0.23, estimate -0.02, surprise -1050.00%, Miss. Q2 2025, reported May 6, 2025: actual -0.13, estimate -0.07, surprise -85.71%, Miss. Q3 2025, reported Aug 7, 2025: actual -0.09, estimate -0.02, surprise -350.00%, Miss. Q4 2025, reported Nov 6, 2025: actual -0.01, estimate -0.04, surprise +75.00%, Beat. Q1 2026, reported Mar 10, 2026: actual -0.1, estimate -0.04, surprise -150.00%, Miss. Q2 2026, reported May 5, 2026: actual -0.15, estimate -0.06, surprise -150.00%, Miss. Q3 2026, reported Aug 4, 2026: actual -0.09, estimate 0.001, surprise -11350.00%, Miss. Q4 2026, reported Nov 5, 2026: actual —, estimate -0.005, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates353.09M316.69M280.29M243.88MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Mar 11, 2025: actual 257.46M USD, estimate 310.09M USD, surprise -16.97%, Miss. Q2 2025, reported May 6, 2025: actual 273.62M USD, estimate 274.96M USD, surprise -0.49%, Miss. Q3 2025, reported Aug 7, 2025: actual 282.54M USD, estimate 315.79M USD, surprise -10.53%, Miss. Q4 2025, reported Nov 6, 2025: actual 323.32M USD, estimate 312.94M USD, surprise +3.32%, Beat. Q1 2026, reported Mar 10, 2026: actual 310.26M USD, estimate 335.45M USD, surprise -7.51%, Miss. Q2 2026, reported May 5, 2026: actual 286.39M USD, estimate 306.75M USD, surprise -6.64%, Miss. Q3 2026, reported Aug 4, 2026: actual 337.32M USD, estimate 339.51M USD, surprise -0.64%, Miss. Q4 2026, reported Nov 5, 2026: actual —, estimate 330.32M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Recent analyst actions

3 institutions
BTIGmaintainNeutral

LDI peers

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Mastercard Incorporated logo

MA

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Bank of America Corporation logo

BAC

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$61.69

-0.27%

ETFs holding LDI

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
3.57M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
2.65M
Weight
0.00%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
2.26M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
Schwab Fundamental U.S. Small Company Index ETF logoSchwab Fundamental U.S. Small Company Index ETFFNDA
Market value
1.22M
Weight
0.01%
AUM
9.26B USD
Expense ratio
0.25%
Price / 1D
$37.73+0.75%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
1.01M
Weight
0.01%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
633.42K
Weight
0.00%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%
Invesco RAFI US 1500 Small-Mid ETF logoInvesco RAFI US 1500 Small-Mid ETFPRFZ
Market value
386.29K
Weight
0.01%
AUM
2.87B USD
Expense ratio
0.34%
Price / 1D
$55.89+0.87%
iShares Micro-Cap ETF logoiShares Micro-Cap ETFIWC
Market value
337.43K
Weight
0.02%
AUM
1.53B USD
Expense ratio
0.60%
Price / 1D
$198.39+1.10%

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