LDI Stock Overview
loanDepot, Inc. engages in originating, financing, selling, and servicing residential mortgage loans in the United States.
Price History & Performance
|Historical stock prices|
|Current Share Price||US$1.85|
|52 Week High||US$10.36|
|52 Week Low||US$1.34|
|1 Month Change||17.83%|
|3 Month Change||-34.16%|
|1 Year Change||-80.42%|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||-91.59%|
Recent News & Updates
|LDI||US Mortgage||US Market|
Return vs Industry: LDI underperformed the US Mortgage industry which returned -23.6% over the past year.
Return vs Market: LDI underperformed the US Market which returned -12.8% over the past year.
|LDI Average Weekly Movement||12.8%|
|Mortgage Industry Average Movement||3.7%|
|Market Average Movement||7.9%|
|10% most volatile stocks in US Market||17.1%|
|10% least volatile stocks in US Market||3.2%|
Stable Share Price: LDI is more volatile than 75% of US stocks over the past 3 months, typically moving +/- 13% a week.
Volatility Over Time: LDI's weekly volatility (13%) has been stable over the past year, but is still higher than 75% of US stocks.
About the Company
loanDepot, 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.
loanDepot Fundamentals Summary
|LDI fundamental statistics|
Is LDI overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|LDI income statement (TTM)|
|Cost of Revenue||US$293.41m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
Aug 09, 2022
|Earnings per share (EPS)||0.21|
|Net Profit Margin||1.07%|
How did LDI perform over the long term?See historical performance and comparison
17.3%Current Dividend Yield
Is LDI undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for LDI?
Other financial metrics that can be useful for relative valuation.
|What is LDI's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does LDI's PE Ratio compare to its peers?
|LDI PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
HMPT Home Point Capital
HIFS Hingham Institution for Savings
TRST TrustCo Bank Corp NY
LBC Luther Burbank
Price-To-Earnings vs Peers: LDI is good value based on its Price-To-Earnings Ratio (8.6x) compared to the peer average (13.1x).
Price to Earnings Ratio vs Industry
How does LDI's PE Ratio compare vs other companies in the US Mortgage Industry?
Price-To-Earnings vs Industry: LDI is good value based on its Price-To-Earnings Ratio (8.6x) compared to the US Mortgage industry average (11.7x)
Price to Earnings Ratio vs Fair Ratio
What is LDI's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||8.6x|
|Fair PE Ratio||182.5x|
Price-To-Earnings vs Fair Ratio: LDI is good value based on its Price-To-Earnings Ratio (8.6x) compared to the estimated Fair Price-To-Earnings Ratio (182.5x).
Share Price vs Fair Value
What is the Fair Price of LDI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: Insufficient data to calculate LDI's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate LDI's fair value for valuation analysis.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.
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How is loanDepot forecast to perform in the next 1 to 3 years based on estimates from 10 analysts?
Future Growth Score3/6
Future Growth Score 3/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: LDI's forecast earnings growth (168.1% per year) is above the savings rate (1.9%).
Earnings vs Market: LDI's earnings (168.1% per year) are forecast to grow faster than the US market (12.8% per year).
High Growth Earnings: LDI's earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: LDI's revenue is expected to decline over the next 3 years (-0.3% per year).
High Growth Revenue: LDI's revenue is forecast to decline over the next 3 years (-0.3% 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 (12.3%).
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How has loanDepot performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: LDI has high quality earnings.
Growing Profit Margin: LDI's current net profit margins (1.1%) are higher than last year (0.9%).
Past Earnings Growth Analysis
Earnings Trend: LDI's earnings have grown significantly by 54.1% per year over the past 5 years.
Accelerating Growth: LDI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: LDI had negative earnings growth (-24.4%) over the past year, making it difficult to compare to the Mortgage industry average (1.7%).
Return on Equity
High ROE: LDI's Return on Equity (6.9%) is considered low.
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How is loanDepot's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score1/6
Financial Health Score 1/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: LDI's Assets to Equity ratio (7x) is low.
Allowance for Bad Loans: Insufficient data to determine if LDI has a sufficient allowance for bad loans.
Low Risk Liabilities: LDI reports no customer deposits, 100% of its liabilities are made up of higher risk sources of funding.
Loan Level: Insufficient data to determine if LDI has an appropriate level of Loans to Assets ratio.
Low Risk Deposits: LDI reports no customer deposits, loans are made up entirely of externally borrowed funds.
Level of Bad Loans: Insufficient data to determine if LDI has an appropriate level of bad loans.
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What is loanDepot current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: LDI's dividend (17.3%) is higher than the bottom 25% of dividend payers in the US market (1.52%).
High Dividend: LDI's dividend (17.3%) is in the top 25% of dividend payers in the US market (4.09%)
Stability and Growth of Payments
Stable Dividend: Too early to tell whether LDI's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if LDI's dividend payments are increasing as they only just started paying a dividend.
Current Payout to Shareholders
Earnings Coverage: With its high payout ratio (125.8%), LDI's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: LDI's dividends in 3 years are forecast to be thoroughly covered by earnings (9.4% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Frank Martell (62 yo)
Mr. Frank D. Martell has been Director at Compass, Inc. since November 2021 and serves as its Independent Director since 2021. Mr. Martell serves as President, Chief Executive Officer and Director of loanD...
Experienced Management: LDI's management team is not considered experienced ( 1.7 years average tenure), which suggests a new team.
Experienced Board: LDI's board of directors are not considered experienced ( 1.5 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: LDI insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
loanDepot, Inc.'s employee growth, exchange listings and data sources
- Name: loanDepot, Inc.
- Ticker: LDI
- Exchange: NYSE
- Founded: 2010
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Implied Market Cap: US$573.649m
- Market Cap: US$292.312m
- Shares outstanding: 310.08m
- Website: https://www.loandepot.com
Number of Employees
- loanDepot, Inc.
- 26642 Towne Centre Drive
- Foothill Ranch
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/06 00:00|
|End of Day Share Price||2022/08/05 00:00|
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 here.