Stocks · Financial Services · Financial - Mortgages
loanDepot, Inc. LDI
$0.64 +3.64% Close, Oct 2, 2026 · NYSE · Market cap $212.8M
Weak trendExpensive vs sectorHigh risk
Next earnings report: Nov 5, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Over the past year the stock returned -79.4%, behind the S&P 500 by 94.4 percentage points.
- The stock is 82% below its highest close of the past year.
- The diluted share count rose 10.7% in a year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 19%
- Revenue growth, 3-year CAGRBottom 13%
- Revenue growth accelerationBottom 35%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 2%
- Gross marginTop 5%
- Operating marginBottom 21%
- Accruals (lower is better)Bottom 17%
- Net debt / EBITDA (lower is better)Bottom 4%
- Interest coverBottom 23%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 3%
- Free-cash-flow yieldBottom 1%
- EBITDA / enterprise valueBottom 33%
- Sales / enterprise valueTop 48%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 2%
- 6-month returnBottom 1%
- 1-year return vs S&P 500Bottom 1%
- Distance from 52-week highBottom 1%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 3%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 6%
- Upside to consensus price targetTop 9%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 6%
- Maximum drawdown, 3 yearsBottom 3%
- Beta vs S&P 500 (lower is better)Bottom 22%
- Net debt / EBITDA (lower is better)Bottom 4%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 25.0% | 23.0% | ↓ |
| Gross margin | 78.4% | 90.5% | ↑ |
| Operating margin | 7.4% | 9.5% | ↑ |
| FCF margin | -37.7% | -18.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 23.0% | 25.0% | ↓ | Top 19% |
| Gross margin | 90.5% | 78.4% | ↑ | Top 5% |
| Operating margin | 9.5% | 7.4% | ↑ | Bottom 21% |
| Net margin | -4.7% | -5.6% | ↑ | — |
| Free-cash-flow margin | -18.9% | -37.7% | ↑ | — |
| Return on invested capital | 43.2% | — | Top 2% | |
| Revenue growth, 3-year CAGR | 2.9% | — | Bottom 13% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 2.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.4%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 25.93×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- -0.33%
- Net buyback yield (TTM)
- 3.85%
- Shareholder yield
- 3.52%
- Share count change, 1 year
- +10.7%
- Share count change, 3-year CAGR
- +9.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 2 of 8
- Average EPS surprise, last 4
- -100.0%
- Average 2-day reaction, last 8
- -2.7%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $1.00
- Target vs current price
- +57.4%
- Analysts with a rating
- 12
- Share rating Buy or Strong Buy
- 8%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 4, 2026 | -11350.0% | -2.8% | -18.7% | -12.6% | — |
| May 5, 2026 | -150.0% | -1.3% | -13.9% | -17.2% | -33.8% |
| Mar 10, 2026 | -150.0% | +2.7% | -14.8% | -24.0% | -35.5% |
| Nov 6, 2025 | +75.0% | -5.0% | +4.7% | -1.1% | -22.6% |
| Aug 7, 2025 | -350.0% | -7.4% | +5.9% | +21.3% | +61.2% |
| May 6, 2025 | -85.7% | -5.6% | +3.7% | +11.1% | +47.2% |
| Mar 11, 2025 | -1050.0% | -5.3% | -11.8% | -22.4% | -25.3% |
| Nov 5, 2024 | +200.0% | +3.4% | +35.1% | +6.3% | -22.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 4, 2026 | -$0.09 | $0.00 | -11350.0% | $337.3M |
| May 5, 2026 | -$0.15 | -$0.06 | -150.0% | $286.4M |
| Mar 10, 2026 | -$0.10 | -$0.04 | -150.0% | $310.3M |
| Nov 6, 2025 | -$0.01 | -$0.04 | +75.0% | $323.3M |
| Aug 7, 2025 | -$0.09 | -$0.02 | -350.0% | $282.5M |
| May 6, 2025 | -$0.13 | -$0.07 | -85.7% | $273.6M |
| Mar 11, 2025 | -$0.23 | -$0.02 | -1050.0% | $257.5M |
| Nov 5, 2024 | $0.03 | -$0.03 | +200.0% | $314.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| EV / EBITDA | 27.2× | — | — | Bottom 33% |
| EV / Sales | 3.14× | — | — | Top 48% |
| Free-cash-flow yield | -129.79% | — | — | Bottom 1% |
| Earnings yield | -47.65% | — | — | Bottom 3% |
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -16.4%
- 200-day average slope (20 days)
- -11.8%
- Distance from 50-day average
- -25.5%
- Distance from 200-day average
- -56.7%
- RSI (14)
- 35.4
- Relative volume
- 0.65×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 74.5%
- Volatility vs own 5-year history
- 51th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.96
- Correlation with S&P 500
- 0.16
- Current drawdown from 1-year high
- -82.3%
- Maximum drawdown, 3 years
- -87.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 12, 2021 | Sep 30, 2026 | -98.1% | 1413 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $212.8M
- EPS, diluted (TTM)
- -$0.30
- Revenue (TTM)
- $1.46B
- 52-week range
- $0.57 – $3.80
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $3.76B | $1.41B | $1.04B | $1.12B | $1.54B |
| Gross profit | $3.45B | $1.00B | $731.1M | $787.5M | $1.36B |
| Operating income | $666.5M | -$690.0M | -$278.3M | -$242.8M | $203.2M |
| Net income | $113.5M | -$273.0M | -$110.1M | -$98.3M | -$62.6M |
| EPS (diluted) | $0.83 | -$1.75 | -$0.63 | -$0.53 | -$0.30 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $317.9M | $282.5M | $283.7M | $305.0M | $340.7M | $409.7M | $387.4M | $324.1M |
| Net income | $1.4M | -$33.2M | -$21.9M | -$13.4M | -$4.9M | -$22.5M | -$37.5M | -$4.5M |
| EPS (diluted) | $0.01 | -$0.17 | -$0.11 | -$0.06 | -$0.02 | -$0.10 | -$0.16 | -$0.02 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$1.47B | $4.46B | -$174.2M | -$858.3M | -$707.5M |
| Capital expenditure | -$54.1M | -$43.2M | -$20.6M | -$26.4M | -$27.1M |
| Free cash flow | -$1.52B | $4.42B | -$194.8M | -$884.7M | -$734.6M |
| Dividends paid | -$463.3M | -$119.3M | -$3.0M | -$3.3M | -$2.5M |
| Net share buybacks | -$12.9M | -$430,000 | -$3.2M | -$3.8M | -$3.4M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $229.1M
- Total assets
- $6.70B
- Total liabilities
- $6.36B
- Total debt
- $4.61B
- Net debt
- $4.38B
- Shareholders’ equity
- $201.0M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Apr 1, 2022 | $0.08 | Apr 18, 2022 |
| Dec 31, 2021 | $0.08 | Jan 18, 2022 |
| Oct 1, 2021 | $0.08 | Oct 18, 2021 |
| Jun 30, 2021 | $0.08 | Jul 16, 2021 |
| Apr 30, 2021 | $0.61 | May 18, 2021 |
Short interest
- Shares sold short
- 19,879,002
- Days to cover
- 2.40
- Change vs previous report
- +8.7%
FINRA short interest, settlement date Sep 15, 2026.