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Upturn AI SWOT - About
LDI 
Loandepot Inc (LDI)
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Upturn Advisory Summary
09/17/2025: LDI (3-star) is a STRONG-BUY. BUY since 76 days. Simulated Profits (248.09%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $1.62
1 Year Target Price $1.62
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 2 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 331.74% | Avg. Invested days 42 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.47B USD | Price to earnings Ratio - | 1Y Target Price 1.62 |
Price to earnings Ratio - | 1Y Target Price 1.62 | ||
Volume (30-day avg) 6 | Beta 3.05 | 52 Weeks Range 1.01 - 5.05 | Updated Date 09/17/2025 |
52 Weeks Range 1.01 - 5.05 | Updated Date 09/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.33 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -5.97% | Operating Margin (TTM) -13.12% |
Management Effectiveness
Return on Assets (TTM) -2.15% | Return on Equity (TTM) -25.69% |
Valuation
Trailing PE - | Forward PE 163.93 | Enterprise Value 5943117312 | Price to Sales(TTM) 1.31 |
Enterprise Value 5943117312 | Price to Sales(TTM) 1.31 | ||
Enterprise Value to Revenue 5.14 | Enterprise Value to EBITDA - | Shares Outstanding 112351000 | Shares Floating 90576825 |
Shares Outstanding 112351000 | Shares Floating 90576825 | ||
Percent Insiders 16.62 | Percent Institutions 30.35 |
Upturn AI SWOT
Loandepot Inc
Company Overview
History and Background
LoanDepot, Inc. was founded in 2010 by Anthony Hsieh. It quickly grew to become a significant nonbank mortgage lender. It went public in February 2021.
Core Business Areas
- Mortgage Origination: LoanDepot originates mortgages through retail, direct, and partner channels.
- Mortgage Servicing: LoanDepot services the mortgages it originates and loans purchased from other lenders.
Leadership and Structure
Anthony Hsieh is the Chairman and CEO. The organizational structure includes various departments focused on origination, servicing, technology, and finance.
Top Products and Market Share
Key Offerings
- Conventional Mortgages: These are mortgages not backed by a government agency. Market share data is dynamic. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and banks like JPMorgan Chase (JPM). Number of users can vary based on mortgage interest rates.
- Government-Backed Mortgages (FHA, VA): These mortgages are insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs (VA). Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and banks like Wells Fargo (WFC). Number of users can vary based on mortgage interest rates.
- Refinance Mortgages: Allows borrowers to replace their existing mortgage with a new one, often to obtain better terms. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and banks like Bank of America (BAC). Number of users can vary based on mortgage interest rates.
Market Dynamics
Industry Overview
The mortgage industry is highly cyclical, influenced by interest rates, economic conditions, and housing market trends. Increasing interest rates generally reduce loan volume.
Positioning
LoanDepot positions itself as a technology-focused mortgage lender. Competitive advantages include its omnichannel distribution strategy and brand awareness.
Total Addressable Market (TAM)
The US mortgage market is worth trillions of dollars. LoanDepot is positioned to capture a portion through technology and marketing strategies.
Upturn SWOT Analysis
Strengths
- Established brand recognition
- Omnichannel distribution network
- Technology-driven platform
- Large servicing portfolio
Weaknesses
- Sensitivity to interest rate fluctuations
- Dependence on mortgage origination volume
- Profitability issues
- High debt levels
Opportunities
- Expansion of product offerings
- Increase market share through strategic acquisitions
- Growth in digital mortgage applications
- Partnerships with real estate companies
Threats
- Rising interest rates
- Increased competition from other lenders
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- RKT
- UWMC
- LDI
Competitive Landscape
LoanDepot competes with large banks and nonbank lenders. It aims to differentiate itself through technology and customer service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been volatile due to fluctuations in the mortgage market.
Future Projections: Future projections depend on interest rate forecasts and the overall health of the housing market. Analyst estimates vary.
Recent Initiatives: Focus on cost reduction, technology enhancements, and diversification of revenue streams.
Summary
LoanDepot is a significant nonbank mortgage lender facing challenges due to rising interest rates. Its technology platform is a key asset, but profitability remains a concern. It needs to navigate a competitive market and manage debt effectively. Despite challenges, its scale and brand recognition provide a foundation for future growth, pending improvement in broader economic and sector conditions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, financial news sources, market research reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions can change rapidly.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Loandepot Inc
Exchange NYSE | Headquaters Irvine, CA, United States | ||
IPO Launch date 2021-02-11 | Founder, CEO, Chairman & President Mr. Anthony Li Hsieh | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 4509 | Website https://www.loandepot.com |
Full time employees 4509 | Website https://www.loandepot.com | ||
loanDepot, Inc. engages in originating, financing, selling, and servicing residential mortgage loans in the United States. The company offers conventional agency-conforming and prime jumbo, federal assistance residential mortgage, and home equity lines of credit and closed-end second liens. It 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. The company was founded in 2010 and is headquartered in Irvine, California.
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