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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
09/25/2026: LDI (3-star) is currently NOT-A-BUY. Pass it for now.
Loandepot Inc is a major US non-bank mortgage lender known for its digital-first 'mello' platform and multi-channel origination strategy. While it has a strong history of growth and a significant market footprint, its financial performance is highly cyclical and sensitive to fluctuating interest rates and home sales volumes. The company's primary growth opportunity lies in its operational restructuring and expansion into home equity products to diversify revenue. Risks remain significant, including intense competition from bank lenders and the macro-driven nature of mortgage demand. It is best suited for investors who understand the risks of mortgage market cycles and are monitoring management's success in achieving long-term profitability targets.
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 restructuring phase rather than a high-growth expansion phase. |
| Momentum investor | Weak fit | Momentum is limited by the cyclical and sensitive nature of the mortgage market. |
| Value investor | Mixed fit | Value investors may look at the book value, but the business faces significant earnings volatility. |
| Dividend investor | Weak fit | The company does not provide a reliable dividend yield. |
| Low-risk investor | Weak fit | The stock exhibits high volatility linked to housing market and interest rate uncertainty. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock price is highly sensitive to macroeconomic news regarding mortgage rates and housing data. |
| Valuation risk | Medium / high | Earnings are hard to forecast due to the cyclicality of mortgage demand. |
| Competition risk (mortgage origination) | High | The sector is crowded with aggressive non-bank and bank lenders competing for price and speed. |
| Business quality | Medium | Profitability is dependent on external interest rate trends rather than unique intellectual property. |
| Dividend income | Low / none | Income investors should not look to LDI for regular dividend distributions. |
| Execution risk | Medium / high | The company must successfully execute complex cost-saving initiatives to reach long-term profitability. |
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 199.39% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 09/25/2026 |
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 297.77M USD | Price to earnings Ratio - | 1Y Target Price 1.12 |
Price to earnings Ratio - | 1Y Target Price 1.12 | ||
Volume (30-day avg) 5.7M shares | Beta 3.11 | 52 Weeks Range 0.64 - 3.80 | Updated Date 09/26/2026 |
52 Weeks Range 0.64 - 3.80 | Updated Date 09/26/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.31 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Loan Origination | Fees earned from processing and originating mortgage loans for consumers. | The company makes money when people take out new loans. |
| Loan Servicing | Revenue collected from managing loan payments, escrow, and customer service for mortgages. | This provides recurring, more stable cash flow compared to volatile originations. |
Valuation
Trailing PE - | Forward PE 112.36 | Enterprise Value 5.93B | Price to Sales(TTM) 0.24 |
Enterprise Value 5.93B | Price to Sales(TTM) 0.24 | ||
Enterprise Value to Revenue 3.66 | Enterprise Value to EBITDA - | Shares Outstanding 232.23M | Shares Floating 111.17M |
Shares Outstanding 232.23M | Shares Floating 111.17M | ||
Percent Insiders 3.38 | Percent Institutions 67.84 |
Upturn AI Summary
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.
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.
About Loandepot Inc
Exchange NYSE | Headquarters 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 4626 | Website https://www.loandepot.com |
Full time employees 4626 | 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 title, escrow, and settlement services for mortgage loan transactions; 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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