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Upturn AI SWOT - About
Loandepot Inc (LDI)
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Upturn Advisory Summary
07/11/2025: LDI (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $1.7
1 Year Target Price $1.7
| 1 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 2 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 40.13% | Avg. Invested days 32 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/11/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 488.27M USD | Price to earnings Ratio - | 1Y Target Price 1.7 |
Price to earnings Ratio - | 1Y Target Price 1.7 | ||
Volume (30-day avg) 6 | Beta 3.04 | 52 Weeks Range 1.01 - 3.23 | Updated Date 07/13/2025 |
52 Weeks Range 1.01 - 3.23 | Updated Date 07/13/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.45 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -7.88% | Operating Margin (TTM) -15.87% |
Management Effectiveness
Return on Assets (TTM) -2.72% | Return on Equity (TTM) -30.97% |
Valuation
Trailing PE - | Forward PE 63.29 | Enterprise Value 5542481408 | Price to Sales(TTM) 0.45 |
Enterprise Value 5542481408 | Price to Sales(TTM) 0.45 | ||
Enterprise Value to Revenue 4.51 | Enterprise Value to EBITDA - | Shares Outstanding 111010000 | Shares Floating 70690795 |
Shares Outstanding 111010000 | Shares Floating 70690795 | ||
Percent Insiders 21.14 | Percent Institutions 28.85 |
Upturn AI SWOT
Loandepot Inc
Company Overview
History and Background
LoanDepot, Inc. was founded in 2010 by Anthony Hsieh. It rapidly grew to become a major nonbank lender, focusing on mortgage originations and servicing. Publicly listed in 2021, it has navigated various market cycles and industry changes.
Core Business Areas
- Mortgage Origination: Focuses on originating residential mortgage loans through direct-to-consumer channels and a network of retail branches.
- Mortgage Servicing: Services mortgage loans, including collecting payments, managing escrow accounts, and handling loss mitigation activities.
Leadership and Structure
Anthony Hsieh is the Chairman and CEO. The organizational structure includes divisions for origination, servicing, technology, and finance, with various executive leadership positions.
Top Products and Market Share
Key Offerings
- Mortgage Loans: LoanDepot's primary product is mortgage loans for purchase, refinance, and home equity. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and traditional banks. Market share fluctuates based on interest rates and economic conditions. Specific figures are hard to pin down due to market variations but LoanDepot is considered a major player.
Market Dynamics
Industry Overview
The mortgage industry is highly cyclical and sensitive to interest rate changes, economic conditions, and government regulations. It is fragmented, with a mix of large national players and smaller regional lenders.
Positioning
LoanDepot positions itself as a technology-driven lender offering a wide range of mortgage products and a customer-centric approach. Its competitive advantages include its brand recognition and diversified distribution channels.
Total Addressable Market (TAM)
The US mortgage market is in the trillions of dollars. LoanDepot's position hinges on their ability to capture volume from first time home buyers, repeat customers, and refinancing as market conditions shift.
Upturn SWOT Analysis
Strengths
- Brand Recognition
- Technology Platform
- Diversified Distribution Channels
- Experienced Leadership
Weaknesses
- Sensitivity to Interest Rate Changes
- High Operating Costs
- Dependence on Mortgage Origination Volume
- Profitability Concerns
Opportunities
- Expansion into New Mortgage Products
- Increased Market Share Through Strategic Acquisitions
- Growing Demand for Digital Mortgage Solutions
- Partnerships with Real Estate Agencies
Threats
- Rising Interest Rates
- Increased Competition
- Economic Downturn
- Regulatory Changes
Competitors and Market Share
Key Competitors
- RKT
- UWMC
- JPM
- BAC
- WFC
Competitive Landscape
LoanDepot faces intense competition from both traditional banks and other nonbank lenders. Its advantages include its technology platform and brand recognition, while its disadvantages include its sensitivity to interest rate changes and higher operating costs.
Growth Trajectory and Initiatives
Historical Growth: Growth has been uneven, with periods of rapid expansion followed by contractions due to market conditions.
Future Projections: Analyst estimates vary, but the company's future growth is expected to depend on its ability to adapt to changing market conditions and execute its strategic initiatives.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new markets, and cost-cutting measures.
Summary
LoanDepot is a prominent nonbank lender navigating a volatile mortgage market. Its strength lies in its brand recognition and technology platform; however, it faces challenges from interest rate sensitivity and intense competition. To succeed, LoanDepot needs to adapt to changing market conditions and carefully manage costs.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Market Research Reports
- Industry News
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share estimates are approximate and may vary based on the source and methodology.
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, Interim CEO, Chairman & President Mr. Anthony Li Hsieh | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 4547 | Website https://www.loandepot.com |
Full time employees 4547 | 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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