logo
Twitter
Discord
Email
logo
loanDepot, Inc.

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
$769.28M
P/E (TTM)
-6.3
3
Dividend Yield
--
52W High
$5.05
52W Low
$1.01
52W Range
30%
Rank66Top 89.6%
1.9
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Weak • 1.9 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q3 2025 Data

Revenue

$340.72M+8.30%
4-Quarter Trend

EPS

-$0.02-310.81%
4-Quarter Trend

FCF

$38.68M-110.85%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Revenue Growth 9.6% Total net revenues reached $879.5M for nine months, marking 9.6% growth driven by strong origination gains.
Net Loss Significantly Narrows Net loss attributable to LDI improved 38.3% to $40.2M for nine months, showing better expense management.
Net Interest Income Surges Net interest income swung to $8.0M from a $2.2M loss, reflecting favorable term structure impact on LHFS financing.
Cash Position Strengthens Unrestricted cash and equivalents increased 8.9% to $459.2M as of September 30, 2025, supporting liquidity.

Risk Factors

Interest Rate Risk Exposure Business results highly sensitive to interest rate fluctuations impacting fair value of assets like LHFS and servicing rights.
Ongoing Litigation Exposure Faces 23 putative class actions regarding Cybersecurity Incident; settlement approved but loss estimation remains difficult.
Servicing Fee Income Declines Servicing fee income dropped 13.1% for nine months due to bulk sales reducing average servicing portfolio UPB balance.
Total Equity Decreases Total equity fell 14.5% to $433.3M, primarily due to $74.7M net loss recognized during the nine-month period.

Outlook

Vision 2025 Strategy Focus Strategy centers on becoming lifetime lending partner, growing servicing portfolio, and leveraging technology for operating leverage.
Liquidity Forecast Adequate Cash on hand and liquidity sources expected to be sufficient to maintain operations and capital commitments for next twelve months.
Warehouse Capacity Maintained Maintained $4.2B in warehouse and securitization facilities, with $2.4B outstanding as of September 30, 2025.
Assessing Tax Law Impact Currently assessing impact of recently enacted 'One Big Beautiful Bill Act' on consolidated financial statements.

Peer Comparison

Revenue (TTM)

Encore Capital Group, Inc.ECPG
$1.56B
+17.8%
Safety Insurance Group, Inc.SAFT
$1.22B
+12.3%
loanDepot, Inc.LDI
$1.21B
+14.0%

Gross Margin (Latest Quarter)

International General Insurance Holdings Ltd.IGIC
100.3%
-0.3pp
Better Home & Finance Holding CompanyBETR
83.9%
+145.4pp
New Mountain Finance CorporationNMFC
83.1%
+16.5pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
ECPG$1.21B-27.9-5.3%74.8%
SAFT$1.18B13.410.1%1.7%
IGIC$1.10B9.119.2%0.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
6.4%
Steady Growth
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Next earnings:Mar 10, 2026
|
EPS:-$0.04
|
Revenue:-
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 7, 2025|
    Revenue: $340.72M+8.3%
    |
    EPS: $-0.02-310.8%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 8, 2025|
    Revenue: $305.01M+11.1%
    |
    EPS: $-0.06-64.2%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 8, 2025|
    Revenue: $283.67M+51.1%
    |
    EPS: $-0.11-42.1%
    Miss

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 13, 2025|
    Revenue: $1.12B+7.8%
    |
    EPS: $-0.53+15.9%
    Miss

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 12, 2024|
    Revenue: $314.60M+18.4%
    |
    EPS: $0.01-107.8%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 8, 2024|
    Revenue: $274.47M+29.7%
    |
    EPS: $-0.18+38.5%
    Miss

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 9, 2024|
    Revenue: $187.80M+19.8%
    |
    EPS: $-0.19-24.0%
    Miss

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 15, 2024|
    Revenue: $971.62M-45.4%
    |
    EPS: $-0.63+64.0%
    Miss