loanDepot, Inc.

NYSE•LDI

CEO: Mr. Anthony Li Hsieh

Sector: Financial Services

Industry: Financial - Mortgages

Listing Date: 2021-02-11

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 loans. 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.

Contact Information

6561 Irvine Center Drive, Irvine, CA, 92618, United States

888-337-6888

www.loandepot.com

Market Cap

$520.90M

P/E (TTM)

-5.4

2.3

Dividend Yield

52W High

$5.05

52W Low

$1.01

52W Range

12%

Rank63Top 94.0%

1.8

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 1.8 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$409.70M+0.00%

4-Quarter Trend

EPS

-$0.10+0.00%

4-Quarter Trend

FCF

-$648.00M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Loss Significantly Reduced Net loss attributable to loanDepot, Inc. narrowed to $62.6M in 2025 from $98.3M in 2024, marking a 36.3% improvement in results.

Total Revenue Increased Total net revenues grew $129.5M, reaching $1.19B in 2025, driven by strong origination activity and higher gain on sale margin.

Loan Originations Expanded Total loan originations reached $26.48B in 2025, marking an 8.1% increase over 2024 volumes, despite elevated interest rates.

Gain on Sale Margin Improved Gain on origination and sale of loans, net, increased 15.6% to $742.4M, supported by a 19 basis point rise in pull-through weighted gain on sale margin.

Risk Factors

Interest Rate Volatility Risk Profitability highly affected by interest rate changes; volatility materially impacts fair value of MSRs, LHFS, and derivative hedging instruments.

Cybersecurity Incident Costs Recognized $1.8M in Cybersecurity Incident expenses during 2025; incident may increase future litigation and regulatory costs.

Servicing Portfolio Delinquency 60+ days delinquency rate slightly rose to 1.60% in 2025; aging portfolio increases servicing costs and potential repurchase risk.

Warehouse Line Reliance Reliance on warehouse lines for funding; capacity increased 22.1% to $2.90B, exposing liquidity to refinancing and counterparty risks.

Outlook

Investing in Infrastructure Growth Strategic plan includes continued investment in recruiting sales talent, leveraging technology, and upgrading critical hardware and data infrastructure.

Focus on Best-in-Class Banking Goals center on finding loans faster, producing them cheaper, and maintaining superior loan quality across all origination channels.

Return to Profitability Goal Plans focus on growing servicing portfolio, improving recapture rates, increasing operating leverage to achieve consistent profitability.

Growing Profitable Market Share Capture market share growth across refinance, resale, and new home loans by expanding direct, retail, and joint venture channels.

Peer Comparison

Revenue (TTM)

ECPG

$1.77B

+34.4%

LDI

$1.34B

+21.3%

SAFT

$1.25B

+13.0%

Gross Margin (Latest Quarter)

ECPG

93.5%

-6.3pp

LDI

89.5%

-23.0pp

KBDC

84.4%

-9.9pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
ECPG	$1.53B	6.0	28.2%	77.4%
SAFT	$1.07B	10.6	11.3%	2.5%
IGIC	$1.02B	7.8	18.8%	0.0%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

13.0%

Steady Growth

4Q Net Income CAGR

N/M

Profitability Shift

Cash Flow Stability

50%

Cash Flow Needs Attention

Deep Research

Next earnings:May 4, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data