No connection

Search Results

LDI

BEARISH
$1.66 Live
loanDepot, Inc. · NYSE
Target $1.8 (+8.4%)
$1.02 52W Range $5.05
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 29, 2026
Market cap
$899.0M
P/E
N/A
ROE
-24.1%
Profit margin
-5.1%
Debt/Equity
15.86
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
95%
LDI exhibits severe financial distress, anchored by a Piotroski F-Score of 0/9, indicating a total failure across all fundamental health benchmarks. While the company shows impressive top-line revenue growth of 70.10% YoY, this is offset by chronic unprofitability, a negative ROE of -24.09%, and an alarming Debt/Equity ratio of 15.86. The combination of heavy insider selling by the CEO and a consistent pattern of missing earnings estimates suggests a precarious operational state. The stock is currently a high-risk speculative asset with significant insolvency risks.

Key Strengths

Strong YoY revenue growth of 70.10%
Positive Q/Q revenue growth of 26.07%
Low Price/Sales ratio of 0.88
High gross margins of 89.69%
Low forward P/E of 5.53 suggesting potential return to profitability

Key Risks

Extreme leverage with a Debt/Equity ratio of 15.86
Critical fundamental weakness (Piotroski F-Score 0/9)
Chronic net losses and negative operating margins (-11.95%)
Severe earnings volatility with an average surprise of -153.93% over the last 4 quarters
Heavy insider liquidation by the CEO
AI Fair Value Estimate
Based on comprehensive analysis
$1.3
-21.7% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
16
Weak
Value
40
Future
30
Past
10
Health
0
Dividend
0
AI Verdict
High Risk / Distressed
Key drivers: Piotroski F-Score 0/9, Debt/Equity 15.86, Negative ROE, CEO Selling
Confidence
90%
Value
40/100

Ref P/E, PEG, Graham Number

Positives
  • Low P/S ratio
Watchpoints
  • P/B of 1.60 is high for a company with negative earnings
  • No Graham Number available due to lack of positive earnings
Future
30/100

Ref Growth rates

Positives
  • Strong revenue growth trajectory
Watchpoints
  • Consistent earnings misses
  • Negative profit margins
Past
10/100

Ref Historical trends

Positives
No standout positives identified.
Watchpoints
  • 5-year price decline of 91.3%
  • Consistent failure to meet EPS estimates
Health
0/100

Ref Altman Z-Score, Piotroski F-Score

Positives
No standout positives identified.
Watchpoints
  • Piotroski F-Score 0/9
  • Debt/Equity ratio 12x higher than sector average
Dividend
0/100

Ref Yield, Payout

Positives
No standout positives identified.
Watchpoints
  • No dividend payments
  • Zero dividend strength

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$1.66
Analyst Target
$1.8
Upside/Downside
+8.4%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for LDI and closest competitors.

Updated 2026-04-28
LDI
loanDepot, Inc.
Primary
5Y
-91.3%
3Y
-9.3%
1Y
+53.7%
6M
-51.5%
1M
+23.0%
1W
-1.8%
CHI
Calamos Convertible Opportunities and Income Fund
Peer
5Y
+21.9%
3Y
+45.1%
1Y
+45.7%
6M
+8.3%
1M
+3.9%
1W
+5.4%
MCB
MetroCity Bankshares, Inc.
Peer
5Y
+135.3%
3Y
+116.8%
1Y
+15.1%
6M
+22.4%
1M
+10.5%
1W
0.0%
HBN
Horizon Bancorp, Inc.
Peer
5Y
+20.5%
3Y
+92.3%
1Y
+36.3%
6M
+14.6%
1M
+10.2%
1W
-0.3%
HTD
John Hancock Tax-Advantaged Dividend Income Fund
Peer
5Y
+51.0%
3Y
+47.9%
1Y
+19.5%
6M
+4.2%
1M
+3.0%
1W
-1.1%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
N/A
Forward P/E
5.53
PEG Ratio
N/A
P/B Ratio
1.6
P/S Ratio
0.88
EV/Revenue
5.04
EV/EBITDA
N/A
Market Cap
$899.0M

Profitability

Profit margins and return metrics

Profit Margin -5.1%
Operating Margin -11.95%
Gross Margin 89.69%
ROE -24.09%
ROA -1.63%

Growth

Revenue and earnings growth rates

Revenue Growth +70.1%
Earnings Growth N/A
Q/Q Revenue Growth +26.07%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
15.86
High debt
Current Ratio
1.24
Good
Quick Ratio
0.42
Poor
Cash/Share
$2.03

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.2B
Net Margin
-9.0%
Total Assets
$6.9B
Liabilities
$6.5B
Equity
$0.2B
Debt/Equity
27.60x
Operating CF
$-0.6B
CapEx
$-0.0B
Free Cash Flow
$-0.6B
FCF Yield
101%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-05
$N/A
2026-03-10
$-0.1
-380.0% surprise
2025-11-06
$-0.02
+39.9% surprise
2025-08-07
$-0.08
-121.7% surprise

Financial Services Sector Comparison

Comparing LDI against 864 companies in the Financial Services sector (145 bullish, 368 neutral, 351 bearish)
Return on Equity (ROE)
-24.09%
This Stock
vs
-0.39%
Sector Avg
+6125.9% (Excellent)
Profit Margin
-5.1%
This Stock
vs
93.92%
Sector Avg
-105.4% (Weaker)
Debt to Equity
15.86
This Stock
vs
1.35
Sector Avg
+1071.7% (Higher)
Revenue Growth
70.1%
This Stock
vs
36.33%
Sector Avg
+92.9% (Fast Growth)
Current Ratio
1.24
This Stock
vs
3.06
Sector Avg
-59.5% (Weaker)

Similar Companies

Peer comparison within the same industry

LDI loanDepot, Inc.
BEARISH
Mkt Cap
$899M
P/E
-
ROE
-24.1%
Price
$1.66
CHI Calamos...
BULLISH
Mkt Cap
$901M
P/E
5.2
ROE
21.0%
Price
$11.32
 Compare with LDI
MCBS MetroCity...
NEUTRAL
Mkt Cap
$905M
P/E
12.0
ROE
14.2%
Price
$31.58
 Compare with LDI
HBNC Horizon Bancorp, Inc.
NEUTRAL
Mkt Cap
$906M
P/E
-
ROE
-20.7%
Price
$17.68
 Compare with LDI
HTD John Hancock...
NEUTRAL
Mkt Cap
$888M
P/E
8.4
ROE
11.7%
Price
$25.07
 Compare with LDI

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

GRASSI JOSEPH J III
Officer
Stock Award
2026-04-15
92,198 shares
DERGURAHIAN JEFFREY MICHAEL
Chief Investment Officer
Stock Award
2026-04-15
141,844 shares
SMALLWOOD GREGORY
Officer
Stock Award
2026-04-15
92,198 shares
HAYES DAVID R
Chief Financial Officer
Stock Award
2026-04-15
234,042 shares
GRAELER DARREN
Officer
Stock Award
2026-04-15
21,276 shares
GRASSI JOSEPH J III
Officer
Stock Award
2026-03-16
118,613 shares
DERGURAHIAN JEFFREY MICHAEL
Chief Investment Officer
Stock Award
2026-03-16
182,482 shares
SMALLWOOD GREGORY
Officer
Stock Award
2026-03-16
118,613 shares
HAYES DAVID R
Chief Financial Officer
Stock Award
2026-03-16
267,397 shares
GRAELER DARREN
Officer
Stock Award
2026-03-16
27,372 shares
PCP MANAGERS GP L.L.C
Beneficial Owner of more than 10% of a Class of Security
Stock Award
2026-02-27
49,212 shares
PATENAUDE PAMELA H
Director
Stock Award
2026-02-27
24,606 shares
HSIEH ANTHONY LI
Chief Executive Officer
Stock Award
2026-02-27
24,606 shares
LEE JOHN HOON
Director
Stock Award
2026-02-27
24,606 shares
LEPORE DAWN GOULD
Director
Stock Award
2026-02-27
24,606 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A
DEF 14A
2026-04-23

LDI filed a definitive proxy statement on April 23, 2026, providing shareholders with necessary information and materials for an upcoming vote.

10-K
10-K
2026-03-12

LDI filed its annual 10-K report on March 12, 2026. Due to the lack of detailed excerpts, specific financial highlights and risk factors are not available for analysis.

8-K
8-K
2026-03-10
8-K
8-K
2026-02-12

LDI filed an 8-K on February 12, 2026, likely to announce its quarterly or annual financial results.

8-K
8-K
2025-12-29
8-K
8-K
2025-11-20
10-Q
10-Q
2025-11-07

LDI filed its quarterly 10-Q report on November 7, 2025. The filing includes a section dedicated to risk factors, although specific financial highlights and detailed risk descriptions were not provided in the available excerpt.

8-K
8-K
2025-11-06

LDI filed an 8-K on November 6, 2025, likely to announce its third-quarter financial results.

10-Q
10-Q
2025-08-08

LDI filed its quarterly 10-Q report on August 8, 2025. While specific financial highlights were not provided in the excerpt, the filing includes a detailed section on risk factors under Item 1A.

8-K
8-K
2025-08-07

LDI filed an 8-K on August 7, 2025, likely to announce its second-quarter financial results.

8-K
8-K
2025-07-28
8-K
8-K
2025-07-25
8-K
8-K
2025-06-09
8-K
8-K
2025-06-05
8-K
8-K
2025-06-02
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning LDI from our newsroom.

Newest → oldest
Back to All Stocks
TradingGPT V2 Copilot
Fundamentals • Valuation • Risk
Hi! I'm your fundamentals copilot.

Ask me to:
• Summarize the business quality
• Review valuation and multiples
• Highlight risks and red flags
• Explain growth and margin trends
Features Terminal AI Assistant Analysis Market News Pricing
Start Trading with AI Already have an account? Sign In
Home
Terminal
AI Chat
Markets
Profile