loanDepot, Inc.

NYSE:LDI Stock Report

Market Cap: US$405.4m

loanDepot Future Growth

Future criteria checks 0/6

loanDepot is forecast to grow revenue at 8.5% per annum. EPS is expected to grow by 96.3% per annum.

Key information

n/a

Earnings growth rate

96.28%

EPS growth rate

Diversified Financial earnings growth8.2%
Revenue growth rate8.5%
Future return on equity12.75%
Analyst coverage

Low

Last updated26 Jun 2026

Recent future growth updates

Recent updates

Seeking Alpha • Apr 14

loanDepot: Still Bullish On Financial Improvement Potential

Summary I maintain my 'Buy' rating for loanDepot, following my evaluation of its financial outlook. My view is that LDI's topline growth should accelerate in FY2026, considering its market share expansion potential and the roll-out of new digital loan products. I also see loanDepot turning profitable this year, thanks to enhanced economies of scale and the success of expense reductions driven by AI. Read the full article on Seeking Alpha
Narrative Update • Mar 19

LDI: Multi Year Upside Thesis Hinges On 2026 Credit Risk Containment

Narrative Update: loanDepot Analyst Target Reset Analysts have reduced their fair value estimate for loanDepot to $2.40 from $3.00, citing lower assumed revenue growth, a sharply reduced profit margin outlook, and a higher future P/E multiple. They still anticipate multi year fundamental improvement supported by loan growth and net interest income momentum, with credit risk remaining a key swing factor.
Narrative Update • Mar 05

LDI: Multi Year Profitability Thesis Leans On 2026 Credit Risk Outcome

Analysts lowered their price target on loanDepot to $2.40 from $3.00, citing updated views on fair value, discount rates, revenue growth, profit margins, and future P/E assumptions, along with broader concerns around credit risk. Analyst Commentary Recent Street research around loanDepot highlights mixed sentiment, with some cautious views on valuation and credit risk set against a more constructive backdrop for the broader lending sector over the next few years.
Narrative Update • Feb 18

LDI: Future Returns Will Rely On Loan Growth And Operating Leverage

Analysts have updated their view on loanDepot, setting a lower price target of $2.40 from $3.00, citing broader concerns around regional lenders. They also highlight potential loan growth, net interest income momentum, and operating leverage as key factors to watch going forward.
Analysis Article • Feb 11

Not Many Are Piling Into loanDepot, Inc. (NYSE:LDI) Stock Yet As It Plummets 27%

The loanDepot, Inc. ( NYSE:LDI ) share price has fared very poorly over the last month, falling by a substantial 27...
Narrative Update • Feb 04

LDI: Future Returns Will Depend On Credit Risk And Loan Growth

Analysts have trimmed their price target on loanDepot to US$2.40 from US$3.00, citing macro and credit concerns around regional lenders, while also pointing to factors such as loan growth, net interest income trends, operating leverage and returns as key drivers for their updated view. Analyst Commentary Goldman Sachs adjusted its view on loanDepot with a lower price target, but the research also highlights potential drivers that could shape how the market values the stock over the next few years.
Narrative Update • Jan 21

LDI: Future Returns Will Hinge On Credit Risk And Execution

Analysts have trimmed their fair value estimate for loanDepot from about US$2.58 to roughly US$2.38 per share. This reflects updated assumptions around revenue growth, profit margins, and a lower future P/E multiple, despite recent Street research shifts in the official price target from US$1.45 to US$3 and then to US$2.40.
Narrative Update • Jan 07

LDI: Higher Fair Value Signals Confidence In Multi Year Profitability

Analysts have lifted their fair value estimate for loanDepot from US$1.90 to US$3.00, reflecting updated assumptions for revenue growth, profit margins, and future P/E, alongside mixed Street price target moves that highlight both ongoing credit concerns and expectations for multi year fundamental improvement. Analyst Commentary Recent Street research on loanDepot shows a mix of caution and optimism, with valuation targets shifting as analysts update their models for growth, profitability, and credit risk.
Analysis Article • Dec 28

Market Cool On loanDepot, Inc.'s (NYSE:LDI) Revenues Pushing Shares 25% Lower

To the annoyance of some shareholders, loanDepot, Inc. ( NYSE:LDI ) shares are down a considerable 25% in the last...
Narrative Update • Dec 23

LDI: Future Earnings Will Depend On Rate Cycles And Cost Discipline

Analysts have lifted their price target on loanDepot to $3.00 from $1.45, reflecting increased confidence in the company’s outlook, even as they maintain a cautious overall stance. Analyst Commentary Analyst sentiment around loanDepot remains mixed, with the higher price target signaling improved expectations for execution and earnings power.
Narrative Update • Dec 09

LDI: Future Earnings Stability Will Hinge On Rate Cycles And Execution

Analysts increased their price target on loanDepot to approximately $2.58 per share, up from about $2.50, citing higher fair value estimates and slightly improved expectations for future earnings multiples. Analyst Commentary Recent Street research reflects a nuanced view of loanDepot, with adjustments to price targets signaling both recognition of recent progress and ongoing skepticism about the durability of its earnings power.
Narrative Update • Nov 25

LDI: Sustained Profitability Challenges Will Weigh On Future Performance Amid Sector Pressures

Narrative Update on loanDepot Analyst Price Target Analysts have raised their price target for loanDepot significantly, increasing it from $1.45 to $3. This adjustment is based on recent evaluations of the company's financial performance and expectations for future growth.
Narrative Update • Nov 08

LDI: Revenue Potential And Sector Headwinds Will Shape Upcoming Profitability

The analyst price target for loanDepot has been raised from $1.98 to $2.50. This reflects improved revenue growth projections and stronger profit margins, as analysts note cautious optimism despite ongoing sector challenges.
Narrative Update • Oct 25

Cost Controls And Executive Changes Will Shape Mortgage Lending Amid Headwinds

Analysts have modestly increased their price target for loanDepot from $1.25 to $1.50, citing offsetting factors such as lower expected revenue, reduced operating expenses, and continued industry challenges resulting from high interest rates and heightened competition. Analyst Commentary Analyst perspectives on loanDepot reflect a mix of cautious optimism and ongoing concerns, especially as the mortgage sector faces persistent headwinds.
Narrative Update • Oct 10

Digital Transformation And Weak Household Trends Will Reshape Mortgage Lending

The analyst price target for loanDepot was increased from $1.62 to $1.98. This reflects improved expectations for revenue growth and profitability.
Analysis Article • Sep 22

Market Might Still Lack Some Conviction On loanDepot, Inc. (NYSE:LDI) Even After 84% Share Price Boost

loanDepot, Inc. ( NYSE:LDI ) shares have continued their recent momentum with a 84% gain in the last month alone...
Narrative Update • Aug 19

Digital Transformation And Weak Household Trends Will Reshape Mortgage Lending

Analysts remain cautious on loanDepot due to structural liquidity and operational challenges amid sector headwinds, though modest improvements in future profitability have led to a slight increase in the price target from $1.37 to $1.45. Analyst Commentary LoanDepot faces structural challenges in sourcing liquidity and reducing expenses compared to larger peers, potentially limiting its competitiveness.
Analysis Article • Jul 29

Investors Still Aren't Entirely Convinced By loanDepot, Inc.'s (NYSE:LDI) Revenues Despite 29% Price Jump

Despite an already strong run, loanDepot, Inc. ( NYSE:LDI ) shares have been powering on, with a gain of 29% in the...
Analysis Article • Jun 12

Even With A 37% Surge, Cautious Investors Are Not Rewarding loanDepot, Inc.'s (NYSE:LDI) Performance Completely

loanDepot, Inc. ( NYSE:LDI ) shareholders would be excited to see that the share price has had a great month, posting a...
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New Narrative • May 15

Multichannel Model Will Open Home Equity Opportunities

loanDepot's multichannel sales model and proprietary technology focus aim to drive revenue growth and enhance operational efficiency.
Analysis Article • Apr 08

Investors Give loanDepot, Inc. (NYSE:LDI) Shares A 27% Hiding

The loanDepot, Inc. ( NYSE:LDI ) share price has fared very poorly over the last month, falling by a substantial 27...
Seeking Alpha • Mar 13

loanDepot: The Mortgage Market May Not 'Inevitably Recover'

Summary loanDepot faces significant challenges due to high mortgage rates, low home sales, and reputational damage from a cybersecurity breach. Q4 earnings were disappointing, with a GAAP EPS loss of -$0.17 and revenue of $257M, missing estimates by $53M. Leadership changes and cost-cutting measures have likely exacerbated the negative economic impact on profit margins and operational pressures. Economic conditions and Federal Reserve policies continue to create a harsh environment for LDI, with no improvement expected in the near term. Even with a new CEO, I doubt loanDepot's ability to recover given its lower cash and higher liability ratio, which could be exacerbated by an economic slowdown that may not be met with Federal Reserve mortgage stimulus. Read the full article on Seeking Alpha
Analysis Article • Feb 04

loanDepot, Inc. (NYSE:LDI) Could Be Riskier Than It Looks

With a price-to-sales (or "P/S") ratio of 0.3x loanDepot, Inc. ( NYSE:LDI ) may be sending very bullish signals at the...
Analysis Article • Oct 23

It's Down 25% But loanDepot, Inc. (NYSE:LDI) Could Be Riskier Than It Looks

The loanDepot, Inc. ( NYSE:LDI ) share price has softened a substantial 25% over the previous 30 days, handing back...

Earnings and Revenue Growth Forecasts

NYSE:LDI - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/20281,551N/AN/AN/A2
12/31/20271,469N/AN/AN/A3
12/31/20261,331N/AN/AN/A3
3/31/20261,233-78-696-700N/A
12/31/20251,228-63-699-708N/A
9/30/20251,096-7322-18N/A
6/30/20251,124-67-409-411N/A
3/31/20251,091-86-328-757N/A
12/31/2024986-98-376-858N/A
9/30/2024990-92-655-1,111N/A
6/30/2024885-110-41-599N/A
3/31/2024901-101-452-658N/A
12/31/2023936-110-14-174N/A
9/30/2023918-16024077N/A
6/30/2023885-2042,0451,658N/A
3/31/2023866-2813,8953,518N/A
12/31/20221,003-2735,1214,461N/A
9/30/20221,641-1875,6675,008N/A
6/30/20222,433-763,9833,476N/A
3/31/20223,175342,1591,561N/A
12/31/20214,008114-1,170-1,466N/A
9/30/20214,542105-3,396-3,671N/A
6/30/20214,93853-4,888-5,011N/A
3/31/20215,15945-4,117-4,075N/A
12/31/20204,563N/A-2,058-2,031N/A
9/30/20203,63816-997-972N/A
6/30/20202,65764-630-651N/A
3/31/20201,74049-1,179-1,263N/A
12/31/20191,436N/AN/A-1,497N/A
12/31/20181,111-103N/A-429N/A
12/31/20171,33721N/A-482N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: Insufficient data to determine if LDI's forecast earnings growth is above the savings rate (3.5%).

Earnings vs Market: Insufficient data to determine if LDI's earnings are forecast to grow faster than the US market

High Growth Earnings: Insufficient data to determine if LDI's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: LDI's revenue (8.5% per year) is forecast to grow slower than the US market (12.7% per year).

High Growth Revenue: LDI's revenue (8.5% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: LDI's Return on Equity is forecast to be low in 3 years time (12.7%).

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/28 09:39
End of Day Share Price 2026/06/26 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

loanDepot, Inc. is covered by 10 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Mark DeVriesBarclays
Mihir BhatiaBofA Global Research
Derek HewettBofA Global Research