loanDepot, Inc. (LDI) Stock

loanDepot, Inc. (LDI) is a Financials stock trading at $0.87 (as of 2026-08-20), with a market capitalization of $206.74M. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

loanDepot, Inc. originates, finances, sells, and services residential mortgage loans in the United States, offering conventional agency-conforming and prime jumbo mortgages, federal assistance mortgage loans, and home equity lending. It also provides settlement services such as title and escrow, related real estate referral services, and insurance services for homeowners and other consumer insurance policies.

Understand loanDepot, Inc.: how it makes money

loanDepot originates, finances, sells, and services U.S. residential mortgages, and it also provides related settlement services, real estate referral services, and insurance services, earning money from loan-related revenue tied to origination and servicing activity plus fees from the ancillary services.

The profit engine is the combination of mortgage servicing portfolio scale and performance (how much unpaid principal is being serviced, and how delinquency and servicing cost behave as a percentage of that unpaid principal), alongside the volume of mortgage originations that flow into loan revenue.

Business quality (Weak): No reconciled, mutually exclusive reportable segment breakdown summing to the reported quarter revenue was provided, so segments are omitted. Operating KPIs were provided.

Bull case

  • Large servicing portfolio tracked in Unpaid Principal Balance of Servicing Portfolio: Unpaid Principal Balance of Servicing Portfolio was 117.0 USD_B.
  • Servicing expense efficiency tracked via Cost of Servicing as a Percentage of Unpaid Principal Balance: Cost of Servicing as a Percentage of Unpaid Principal Balance was 0.02 percent.
  • Customer recapture and transaction mix tracked in recapture and purchase proportions: Organic Refinance Consumer Direct Recapture Rate was 71.0 percent, and Purchase Transactions Proportion was 70.0 percent.

Bear case

  • Profitability pressure shown by operating margin: Operating margin was -19.2% for the quarter ended 2026-03-31.
  • Credit performance risk tracked via delinquency: Servicing Portfolio Delinquency Rate More Than 90 Days Past Due was 70.0 (ratio).
  • Revenue scale is modest in the latest quarter: Revenue was 0.3 USD_B for the quarter ended 2026-03-31.
Valuation — source: SEC EDGAR (first-party)
Price$0.87
Market Cap$206.74M
EV / EBITDA-25.6
Price / Book0.62
Price / Sales0.16
Dividend Yield1.2%
FCF Yield-133.6%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$1.19B
Net Margin-5.3%
Return on Equity-20.8%
Debt / Equity6.40
Revenue Growth (YoY)19.4%
EPS Growth (YoY)-66.7%
FCF Growth (YoY)731.1%
Valuation vs Sector & Industry
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($13.59M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOAnthony Li Hsieh
Employees4,900
CountryUS
IPO Date2021-02-11

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LDI earnings history · LDI institutional & insider holders · LDI KPIs & operating metrics · LDI financials · LDI investor presentations & press releases · LDI SEC filings · LDI peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.