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Upturn AI Summary - About
Loandepot Inc(LDI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for LDI
10/23/2026: LDI (3-star) is currently NOT-A-BUY. Pass it for now.
Loandepot Inc is a prominent non-bank mortgage lender that operates through both direct-to-consumer and retail channels. The company’s primary strengths include its proprietary technology platform and an established national brand, which position it as a major player in the cyclical U.S. mortgage market. The investment story centers on the company’s ability to pivot toward purchase-money mortgages and optimize costs during challenging market cycles. Key risks include intense competition and high sensitivity to interest rate fluctuations, which can significantly impact loan volume and margins. The stock may best suit investors comfortable with cyclical volatility, as the company does not currently provide dividend income.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company is currently in a cyclical recovery phase rather than a high-growth expansion phase. |
| Momentum investor | Mixed fit | Momentum is conditional on positive, sustained housing market data and lower interest rate signals. |
| Value investor | Mixed fit | The stock may present value based on tangible book value, but business volatility makes valuation assessment difficult. |
| Dividend investor | Weak fit | Loandepot does not pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | High sensitivity to interest rates and housing market cycles leads to significant share price volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock experiences significant price swings based on mortgage rate news and housing market data. |
| Valuation risk | Medium | Earnings uncertainty makes it challenging to establish a stable valuation floor for the stock. |
| Competition risk (Mortgage lending) | High | Intense competition from well-capitalized non-bank and bank lenders exerts constant margin pressure. |
| Business quality | Medium | While the platform is established, the business model is inherently tied to cyclical macro-economic forces. |
| Dividend income | Low / none | There is no dividend income stream for shareholders. |
| Execution risk | Medium | Management must successfully navigate ongoing cost-cutting and digital transformation to maintain competitiveness. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit 226.35% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 272.79M USD | Price to earnings Ratio - | 1Y Target Price 1.12 |
Price to earnings Ratio - | 1Y Target Price 1.12 | ||
Volume (30-day avg) 5.0M shares | Beta 3.15 | 52 Weeks Range 0.48 - 3.58 | Updated Date 10/25/2026 |
52 Weeks Range 0.48 - 3.58 | Updated Date 10/25/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.31 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Loan Originations | Fees earned from the origination of home purchase and refinance loans. | The company makes money when people take out new mortgages or refinance existing ones. |
| Loan Servicing | Recurring fees for collecting payments, managing escrow, and servicing mortgage loans. | This provides a more predictable, long-term revenue stream compared to transaction-based originations. |
Valuation
Trailing PE - | Forward PE 112.36 | Enterprise Value 5.92B | Price to Sales(TTM) 0.22 |
Enterprise Value 5.92B | Price to Sales(TTM) 0.22 | ||
Enterprise Value to Revenue 4.8 | Enterprise Value to EBITDA - | Shares Outstanding 232.23M | Shares Floating 109.57M |
Shares Outstanding 232.23M | Shares Floating 109.57M | ||
Percent Insiders 3.38 | Percent Institutions 67.25 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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