LDI$1.79
$1.80
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AI LDI Summary
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Powered by LiveAIOverall Analysis
HoldloanDepot exhibits mixed fundamental signals with significant debt and recent unprofitability, despite a potentially attractive valuation. Technicals indicate downward pressure, while thematic exposure is neutral.
Thematic
The company operates in the residential mortgage sector, which is cyclical and influenced by interest rate environments and housing market dynamics. Current economic conditions present headwinds.
Fundamental
The company shows a large revenue base but recent net losses and significant debt are concerning. Profitability has been volatile, and cash flow from operations is negative.
Technical
The stock has experienced significant declines over the past year and shows weakness across multiple timeframes. Momentum indicators are generally bearish.
| Factor | Score |
|---|---|
| Interest Rate Sensitivity | 40 |
| Housing Market Conditions | 50 |
| Digital Transformation in Lending | 70 |
| Regulatory Landscape | 50 |
| Economic Outlook | 40 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 20 |
| Growth | 65 |
| Balance Sheet Health | 15 |
| Cash Flow | 10 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 50 |
| Moving Averages | 40 |
| Support & Resistance | 55 |
| Volume Analysis | 60 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Potentially Undervalued
The company's P/S ratio is 0.9, which is lower than its 5-year average of 0.7, suggesting potential undervaluation. The P/E ratio of -10.5, while negative due to losses, when considering sales figures, might indicate market anticipation of a turnaround.
Recent Positive Momentum
The stock has shown positive performance over the last 1 month (+31.54%) and 6 months (-5.0%), indicating recent investor interest and a potential upward trend after a prior decline.
Bearish Points (7)
Consistent Net Losses
The company has reported net losses for the Trailing Twelve Months (TTM) and for the fiscal years 2022, 2023, and 2024. Net margin has been consistently negative (-12.6% in 2024Q4).
Significant Debt Load
The company carries substantial debt, with total debt at $4.36 billion in Q4 2024, which has been a consistent figure over the past few years. This high debt level, relative to market cap, poses financial risk.
Calendar
April 2022
1
Ex-Dividend Date
April 2022
18
Next Dividend Date
August 2025
8
Next Earnings Date
H: $0.00
A: $-0.03
L: $-0.06
H: 334.00M
A: 317.83M
L: 298.09M
Profile
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 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.
Seasonals
Price Target
1.74 USD
The 39 analysts offering 1 year price forecasts for LDI have a max estimate of 3.00 and a min estimate of 1.25.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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