# loanDepot, Inc. (LDI)

> Source: Nexqual · https://nexqual.com/LDI · data as of 2026-10-15 20:00 UTC · cite as "Nexqual, loanDepot, Inc. (LDI), nexqual.com/LDI" · informational, not investment advice.

**Price:** USD 0.57 (+14.36% on the day) · last close of Oct 15, 2026; US market closed, not a live price. Prev close 0.5 · day 0.51–0.58 · 52w 0.49–3.8 · market cap $252M · NYQ

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $1.26B, net income -$69.4M (-5.5% margin) (SEC filings).
- Analysts: Sell (mean 3.75 on a 1–5 scale) (4 analysts), mean target USD 1.13 (range 1–1.25).
- Total return with dividends: 1Y -81.1% vs S&P 500 +18.1%; 5Y -91.1% vs S&P 500 +85.1%.
- Next earnings: 2026-11-03, EPS estimate USD 0, revenue estimate $316M.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $3.72B | $1.26B | $974M | $1.06B | $1.19B | $1.26B |
| Net income | $114M | -$273M | -$110M | -$98.3M | -$62.6M | -$69.4M |
| EPS (diluted) | $0.87 | -$1.75 | — | — | — | — |
| Free cash flow | -$1.52B | $4.42B | -$195M | -$885M | -$735M | -$282M |
| Net margin | 3.0% | -21.7% | -11.3% | -9.3% | -5.3% | -5.5% |
| Revenue growth | -13.6% | -66.3% | -22.4% | +8.9% | +12.2% | — |
| Cash + short-term investments | $420M | $864M | $661M | $422M | $337M | — |
| Total debt | $1.63B | $2.29B | $2.27B | $2.03B | $2.10B | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/S 0.2x · P/B 0.8x · FCF yield -112.07% · Earnings yield -27.54%

## Analysts
Consensus Sell (mean 3.75 on a 1–5 scale), 4 analysts; mean target USD 1.13 (low 1, high 1.25).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-07-15 | Goldman Sachs | Target lowered | Sell | $2.1 → $1.25 |

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-16) | 5Y (from 2021-10-11) |
|---|---|---|
| Total return | -81.1% | -91.1% |
| S&P 500 (SPY) | +18.1% | +85.1% |
| Per year | -81.2% | -38.3% |
| Volatility (annualized) | 76.3% | 78.0% |
| Max drawdown | -86.2% (Oct 2025→Oct 2026) | -91.8% (Nov 2021→Oct 2026) |

## Peers (Mortgage Finance)
VEL (Velocity Financial, Inc.) USD 14.81 +0.95% · WD (Walker & Dunlop, Inc) USD 33.32 +3.87% · UWMC (UWM Holdings Corporation) USD 1.15 +11.65% · PFSI (PennyMac Financial Services, In) USD 61.19 +3.20% · RKT (Rocket Companies, Inc.) USD 11.07 +2.22%

## More
Full page: https://nexqual.com/LDI · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt