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LDIloanDepot, Inc.
$1.19$399M
Overview & Verdict
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LDI logoloanDepot, Inc.(LDI)Earnings, Financials & Key Ratios

LDI•NYSE
$1.19
Price updated Jul 6, 2026
SectorFinancial ServicesIndustryMortgage FinanceSub-IndustryConsumer mortgage originators and brokers
AboutloanDepot, 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.Show more
  • EBITDA$229M+217.2%
  • Net Income-$63M+36.3%
  • EPS (Diluted)-0.30+43.4%
  • Gross Margin88.34%+25.3%
  • EBITDA Margin14.93%+185.2%
  • Operating Margin13.22%+160.8%
  • Net Margin-4.08%+53.7%
  • ROE-14.04%+13.6%

LDI Price & Volume

loanDepot, Inc. (LDI) stock price & volume — 10-year historical chart

Loading chart...

Persistent Operating Losses Cloud Mortgage Origination Recovery

Investment Thesis • Updated 2026Q1

VerdictNegative: The company's inability to convert earnings into cash flow
Growth:Mixed
Profitability:Negative
Financial:Vulnerable
Cash Flow:Burning
Primary Risk:High cyclical leverage sensitivity

Key Thesis Takeaways

  • loanDepot faces a challenging path to profitability as it struggles to scale operations against a high-interest rate environment that suppresses mortgage demand.
  • While the company continues to invest in its proprietary 'mello' technology stack, the persistent erosion of its equity base and reliance on volatile warehouse financing create significant structural risks.
  • Investors should monitor the company's ability to achieve consistent positive net income, as current margins remain pressured by high fixed costs and non-cash fair value adjustments.

Verdict Logic

evidenced by an OCF/NI ratio of 28.41x in 2025Q4, suggests significant liquidity risks that outweigh potential growth prospects.

LDI Growth Metrics

loanDepot, Inc. (LDI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years-18.77%
3 Years2.86%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM9%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM23.22%

Return on Capital

10 Years12.46%
5 Years-2.54%
3 Years-3.93%
Last Year6.17%

LDI Recent Earnings

loanDepot, Inc. (LDI) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 3/12 qtrs (25%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
May 5, 2026
Metric
Actual
Est
EPS
$0.15-150.0%
$0.06
Rev
$286M-6.6%
$307M
Q2 2026
Mar 10, 2026
Metric
Actual
Est
EPS
$0.10-150.0%
$0.04
Rev
$310M-7.5%
$335M
Q4 2025
Nov 6, 2025
Metric
Actual
Est
EPS
$0.01+75.0%
$0.04
Rev
$341M-6.2%
$363M
Q3 2025
Aug 7, 2025
Metric
Actual
Est
EPS
$0.09-350.0%
$0.02
Rev
$283M-10.5%
$316M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 5, 2026
$0.15vs $0.06-150.0%
$286Mvs $307M-6.6%
Q2 2026Mar 10, 2026
$0.10vs $0.04-150.0%
$310Mvs $335M-7.5%
Q4 2025Nov 6, 2025
$0.01vs $0.04+75.0%
$341Mvs $363M-6.2%
Q3 2025Aug 7, 2025
$0.09vs $0.02-350.0%
$283Mvs $316M-10.5%
Based on last 12 quarters of dataView full earnings history →

Latest LDI News

Recent stock market news and headlines for loanDepot, Inc. (LDI)

Zacks Investment Research·Jun 25, 2026
Housing Bill Approval Ignites Mortgage Stock Rally: RKT, PFSI & LDI in Focus

RKT, PFSI and LDI rally after Housing bill approval raises hopes that higher housing supply and affordability could support mortgage activity, if signed into law.

Peers Comparison

Key metrics vs top competitors for loanDepot, Inc. (LDI)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
LDI logoLDIloanDepot, Inc.Current
$1.19$398.68M-3.9737.59%-4.08%-14.04%0.98%
RKT logoRKTRocket Companies, Inc.
$15.55$43.91B-565.4527.37%2.82%1.53%—
UWMC logoUWMCUWM Holdings Corporation
$2.20$342.2M18.3365.83%2.14%4.07%—
PFSI logoPFSIPennyMac Financial Services, Inc.
$83.75$4.37B9.01173.81%14.31%12.02%—
GHLD logoGHLDGuild Holdings Company
$20.01$439.06M12.8360.87%9.71%10.27%—
WAL logoWALWestern Alliance Bancorporation
$82.50$9.01B9.455.17%17.35%12.4%—

Compare LDI vs Peers

loanDepot, Inc. (LDI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs RKT

Most directly comparable listed peer for LDI.

Scale Benchmark

vs ICE

Larger-name benchmark to compare LDI against a more recognizable public peer.

Peer Set

Compare Top 5

vs RKT, UWMC, PFSI, GHLD

LDI SEC Filings & Documents

loanDepot, Inc. (LDI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 5, 2026·SEC

Material company update

Apr 30, 2026·SEC

Material company update

Mar 10, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 12, 2026·SEC

FY 2025

Mar 13, 2025·SEC

10-Q Quarterly Reports

5
FY 2026

May 7, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

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LDI Frequently Asked Questions

loanDepot, Inc. (LDI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is loanDepot, Inc.'s revenue?

loanDepot, Inc. (LDI) reported $1.44B in revenue for fiscal year 2025.

How fast is loanDepot, Inc. growing?

loanDepot, Inc. (LDI) grew revenue by 37.6% over the past year. This is strong growth.

Is LDI profitable?

loanDepot, Inc. (LDI) reported a net loss of $78.2M for fiscal year 2025.

Dividend & Returns
Does LDI pay dividends?

Yes, loanDepot, Inc. (LDI) pays a dividend with a yield of 0.98%. This makes it attractive for income-focused investors.

What is LDI's return on equity?

loanDepot, Inc. (LDI) has a return on equity (ROE) of -14.0%. Negative ROE indicates the company is unprofitable.

What is loanDepot, Inc.'s free cash flow?

loanDepot, Inc. (LDI) had negative free cash flow of $725.1M in fiscal year 2025, likely due to heavy capital investments.

What if you invested $1,000 in LDI back in 2013?

Total return calculator · dividends reinvested · 13+ years of data

See returns →