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Upturn AI SWOT - About
LDI 
Loandepot Inc (LDI)
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Upturn Advisory Summary
11/03/2025: LDI (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $2.5
1 Year Target Price $2.5
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 2 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 186.88% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 11/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 999.40M USD | Price to earnings Ratio - | 1Y Target Price 2.5 |
Price to earnings Ratio - | 1Y Target Price 2.5 | ||
Volume (30-day avg) 6 | Beta 3.13 | 52 Weeks Range 1.01 - 5.05 | Updated Date 11/3/2025 |
52 Weeks Range 1.01 - 5.05 | Updated Date 11/3/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.33 |
Earnings Date
Report Date 2025-11-06 | When - | Estimate -0.0207 | 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 112.36 | Enterprise Value 5645800960 | Price to Sales(TTM) 0.89 |
Enterprise Value 5645800960 | Price to Sales(TTM) 0.89 | ||
Enterprise Value to Revenue 4.8 | Enterprise Value to EBITDA - | Shares Outstanding 112351102 | Shares Floating 87383814 |
Shares Outstanding 112351102 | Shares Floating 87383814 | ||
Percent Insiders 14.62 | Percent Institutions 36.49 |
Upturn AI SWOT
Loandepot Inc
Company Overview
History and Background
Loandepot Inc. was founded in 2010 by Anthony Hsieh. It rapidly grew into a major nonbank lender, focusing on mortgage originations and servicing. It went public in 2021.
Core Business Areas
- Mortgage Origination: Provides mortgage loans directly to consumers through online, retail, and partner channels. This includes purchase, refinance, and government-insured loans.
- Mortgage Servicing: Services the mortgage loans that it originates, collecting payments and managing escrow accounts.
Leadership and Structure
Anthony Hsieh is the Chairman and CEO. The company has a typical corporate structure with departments for finance, technology, sales, marketing, and operations.
Top Products and Market Share
Key Offerings
- Purchase Mortgages: Mortgages for buying a home. Loandepot competes with major banks and other non-bank lenders like Rocket Mortgage, United Wholesale Mortgage (UWMC), and PennyMac Financial Services (PFSI).
- Refinance Mortgages: Mortgages to refinance existing home loans. Competitors include Rocket Mortgage, United Wholesale Mortgage (UWMC), and PennyMac Financial Services (PFSI).
- Personal Loans: Unsecured personal loans for various needs. Competitors include Upstart, LendingClub, and SoFi.
Market Dynamics
Industry Overview
The mortgage industry is highly cyclical, influenced by interest rates, economic conditions, and housing market trends. Regulatory changes and technological advancements also play a role.
Positioning
Loandepot is a major nonbank lender with a focus on technology and customer service. It aims to offer a streamlined mortgage process and competitive rates. Its competitive advantage lies in its technology platform and omnichannel distribution strategy.
Total Addressable Market (TAM)
The TAM for the US mortgage market is in the trillions of dollars annually. Loandepot is positioned to capture a share of this market through its diverse product offerings and distribution channels.
Upturn SWOT Analysis
Strengths
- Technology platform
- Omnichannel distribution
- Strong brand recognition
- Large servicing portfolio
Weaknesses
- Dependence on mortgage origination volume
- Sensitivity to interest rate fluctuations
- High marketing expenses
- Profitability can fluctuate significantly
Opportunities
- Expansion into new markets
- Increased adoption of technology in mortgage lending
- Partnerships with real estate agents and builders
- Growth in the personal loan market
Threats
- Rising interest rates
- Increased competition
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- RKT
- UWMC
- PFSI
Competitive Landscape
Loandepot faces stiff competition from both established banks and other nonbank lenders. It must continue to innovate and provide competitive rates to maintain its market share.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been strong but cyclical, with periods of rapid expansion followed by contractions. This is typical of the mortgage industry.
Future Projections: Analyst projections vary depending on market conditions. Consult reputable financial sources for the most up-to-date forecasts.
Recent Initiatives: Recent initiatives include investments in technology, expansion of product offerings (like personal loans), and efforts to improve customer experience.
Summary
Loandepot is a significant player in the nonbank mortgage lending space, leveraging technology for growth. Its vulnerability to interest rate changes poses a challenge. Expansion of product offerings like personal loans diversifies revenue streams. However, increased competition demands continued innovation and efficient operations.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC filings
- Company reports
- Industry analysis reports
- Market data providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly, so consult with a qualified financial advisor before making any investment decisions. Market share data is based on available estimates and may not be precise.
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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