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Upturn AI SWOT - About
LDI 
Loandepot Inc (LDI)
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Upturn Advisory Summary
08/28/2025: LDI (3-star) is a STRONG-BUY. BUY since 63 days. Profits (55.73%). 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 93.15% | Avg. Invested days 39 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 694.94M 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 3.02 | 52 Weeks Range 1.01 - 3.23 | Updated Date 08/29/2025 |
52 Weeks Range 1.01 - 3.23 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.32 |
Earnings Date
Report Date 2025-08-07 | When - | Estimate -0.02 | Actual -0.06 |
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 63.29 | Enterprise Value 5440610816 | Price to Sales(TTM) 0.62 |
Enterprise Value 5440610816 | Price to Sales(TTM) 0.62 | ||
Enterprise Value to Revenue 4.56 | Enterprise Value to EBITDA - | Shares Outstanding 112351000 | Shares Floating 83468449 |
Shares Outstanding 112351000 | Shares Floating 83468449 | ||
Percent Insiders 23.28 | Percent Institutions 30.31 |
Upturn AI SWOT
Loandepot Inc
Company Overview
History and Background
LoanDepot, Inc. was founded in 2010 by Anthony Hsieh. It quickly grew to become one of the largest independent retail mortgage lenders in the US, focusing on leveraging technology to streamline the mortgage process.
Core Business Areas
- Mortgage Origination: This segment focuses on originating, selling, and servicing mortgage loans. It includes purchase and refinance transactions for conforming, non-conforming, and government-insured loans.
- Servicing: LoanDepot services a portion of the loans it originates, generating revenue through servicing fees and ancillary products.
Leadership and Structure
Anthony Hsieh is the Chairman and CEO. The company has a board of directors overseeing strategic direction and key executive leadership roles covering operations, finance, technology, and legal aspects.
Top Products and Market Share
Key Offerings
- Market Share (%):
- Mortgage Loans (Purchase): Origination of mortgage loans for home purchases. LoanDepot does not publicly break out a market share specifically for their purchase mortgage business, although their total origination volume represents a portion of the overall mortgage market. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and major banks.
- Market Share (%):
- Mortgage Loans (Refinance): Origination of mortgage loans for refinancing existing mortgages. LoanDepot does not publicly break out a market share specifically for their refinance mortgage business, although their total origination volume represents a portion of the overall mortgage market. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and major banks.
Market Dynamics
Industry Overview
The mortgage industry is highly cyclical and influenced by interest rates, economic conditions, and government policies. Increasing interest rates and decreasing demand from buyers have led to less total revenue in the industry in the current market.
Positioning
LoanDepot aims to be a technology-driven mortgage lender offering a wide range of loan products. Their competitive advantage lies in their online platform and streamlined process.
Total Addressable Market (TAM)
The total addressable market (TAM) for mortgages in the US is estimated to be in the trillions of dollars annually, fluctuating with interest rates and housing market activity. LoanDepot holds a small percentage of this TAM, with growth potential contingent on market conditions and the company's execution.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Technology-driven platform
- Experienced management team
- Diverse product offerings
Weaknesses
- Highly sensitive to interest rate changes
- Dependence on mortgage origination volume
- High operating costs
- Profitability concerns
Opportunities
- Expansion into new markets
- Increased adoption of technology in mortgage lending
- Strategic partnerships
- Diversification of revenue streams
Threats
- Rising interest rates
- Increased competition
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- RKT
- UWMC
- LDI
- RDN
Competitive Landscape
LoanDepot faces strong competition from larger, established lenders and smaller, specialized firms. Their advantage lies in technology and customer service, but they must effectively manage costs and adapt to changing market conditions.
Growth Trajectory and Initiatives
Historical Growth: LoanDepot experienced rapid growth in origination volume during periods of low interest rates but has faced challenges with profitability in a higher-rate environment.
Future Projections: Analyst projections vary but generally expect growth to be moderate, contingent on improvement in the mortgage market.
Recent Initiatives: Recent initiatives include focusing on cost reduction, improving operational efficiency, and enhancing the customer experience through technology investments.
Summary
LoanDepot operates in a cyclical and competitive mortgage market. Its technology-driven approach is a strength, but profitability remains a challenge. To succeed, LoanDepot must effectively manage costs, adapt to changing interest rates, and leverage its technology to gain market share. However, profitability remains a concern amidst increasing interest rates and stiff competition. They should look to control costs and be more efficient as they continue to leverage technology.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news sources
Disclaimers:
The analysis is based on publicly available information and is subject to change. Market share data is approximate. The AI-based fundamental rating is a general assessment and should not be considered financial advice.
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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