LDI

Based on loanDepot, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does loanDepot do?

loanDepot originates, finances, sells, and services residential mortgage loans across the United States. It also provides complementary services including title and escrow settlement, real estate referrals, and homeowner insurance, positioning itself as a one-stop shop for the home-buying process.

Does LDI pay dividends?

No, loanDepot does not currently pay a dividend. The company retains capital to support its lending operations and manage balance-sheet obligations. Investors focused on income should account for this when comparing LDI to dividend-paying financial sector peers.

When does LDI report earnings?

loanDepot reports on a quarterly cadence, as is standard for U.S.-listed companies. Specific dates are not covered by our data source — check loanDepot's investor relations page or your brokerage platform for the current earnings calendar.

Is LDI a good stock to buy?

The UQS Score rates LDI as Below Average, reflecting Weak scores across Quality, Moat, and Risk despite a Good Growth rating and Attractive Valuation. The low price may reflect genuine fundamental challenges rather than a hidden opportunity. Pro members can view the complete pillar breakdown to form their own judgment.

Is LDI overvalued?

UQS rates LDI's Valuation pillar as Attractive, meaning the market appears to be pricing in significant headwinds already. Whether that discount is warranted depends on how the mortgage rate environment evolves and whether the company can improve its Quality and Risk profile over time.

How does LDI compare to its competitors?

loanDepot competes with digital-first originators like Better Home & Finance and, more broadly, with specialty mortgage lenders across North America. Its scale in U.S. residential lending differentiates it from Canadian-focused peers, but it faces intense pricing competition in a commoditized origination market.

What is LDI's market cap bracket?

loanDepot is classified as a small-cap company. This places it in a segment of the market that can offer higher growth potential but also carries greater volatility and liquidity risk compared to large- or mega-cap financial institutions.

Who founded loanDepot?

loanDepot was founded in 2010 by Anthony Hsieh, a mortgage industry veteran who also founded earlier online lending platforms. The company went public in 2021 and is headquartered in Irvine, California.

Is LDI a long-term quality indicator stock?

Based on UQS pillar ratings, LDI's long-term quality profile is challenged. Weak scores in Quality, Moat, and Risk suggest the business lacks the durable competitive advantages and earnings stability typically associated with strong long-term holdings. The Good Growth and Attractive Valuation ratings offer some offset, but the overall composite remains Below Average.

What is the main competitive advantage of loanDepot?

loanDepot's scale and brand recognition in U.S. residential lending, combined with its bundled service offering — covering mortgages, title, escrow, and insurance — provide some cross-selling advantages. However, the UQS Moat pillar rates these advantages as Weak relative to sector peers, reflecting the highly commoditized nature of mortgage origination.

What sector does LDI belong to?

loanDepot operates in the Financial Services sector, specifically within mortgage banking and real estate finance. It is sensitive to interest rate cycles, housing market activity, and credit conditions — factors that drive significant variability in origination volumes and profitability.

Is LDI a growth stock or value stock?

LDI sits in an unusual position: its Growth pillar is rated Good, suggesting expanding business activity, while its Valuation pillar is rated Attractive — a combination that could appeal to investors looking for recovery plays. However, the Weak Quality and Risk ratings temper the case for either a pure growth or value classification.

loanDepot, Inc. currently shows below-average quality metrics, suggesting challenges with profitability.

loanDepot, Inc. demonstrates healthy growth trends across revenue and earnings.

loanDepot, Inc. presents elevated risk with concerns around leverage or financial stability.

loanDepot, Inc. trades at a reasonable valuation with decent earnings yield and FCF multiples.

loanDepot, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for LDI.

The UQS (Unified Quality Score) for loanDepot, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses loanDepot, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether loanDepot, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.