Loandepot, Inc. is a US-listed company in the commercial & residential mortgage finance industry. Its financial year ends in December.
What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.
Revenue for the twelve months to June 2026 was $1.26bn, up 11.4% on a year earlier, faster than the 8.2% growth a quarter earlier.
Our model value for Loandepot is under review, so past values are not shown until it is resolved.
Source: 10-Q filed August 6, 2026 on SEC EDGAR · Financials · Valuation
Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.
Loandepot, Inc.'s trailing-twelve-month revenue grew 11.4% year on year, with a free-cash-flow margin of -22.5%. Where it stands out: change in growth rate of +3.2pp ranks 3 of 14 commercial & residential mortgage finance companies we cover. Where it lags: net margin of -5.5% ranks 13 of 14 commercial & residential mortgage finance companies we cover.
Current signal Free cash flow diverging from earnings: TTM free cash flow grew 35.1% while net income fell 3.3%: a 38pp divergence.
Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.
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Company announcements, filed results and changes that matter to shareholders.
The company also guided to pull-through weighted rate lock volume of $5.25bn to $7.25bn for the third quarter of 2026; pull-through weighted gain on sale margin of 360.00 to 390.00 for the third quarter of 2026.
No model value for Loandepot, Inc. at the moment. Current status: no valuation model gives a value we can rate yet. Available reported financials are shown below.
The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.
We value Loandepot, Inc. as an asset manager, broker or exchange, with every model that fits that kind of business. Cost of equity 9.2%: the 10-year Treasury yield (4.9%) plus a beta of 0.95 times a 4.5% equity risk premium.
| Model | Value per share | In the combined value? |
|---|---|---|
| Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. | — | Does not apply: This model is withheld pending its input or assumption review. |
| Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. | — | Does not apply: This model is withheld pending its input or assumption review. |
| Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. | — | Does not apply: This model is withheld pending its input or assumption review. |
| Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. | ~$0.1 ~$1.2–$5.9 | Left out: out of range vs price (0.12x) |
| Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. | — | Does not apply: This model is withheld pending its input or assumption review. |
| Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. | — | Combined value withheld. Review the individual models and their assumptions. |
Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Loandepot, Inc. with asset managers, brokers and exchanges in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.
Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.
Next results: November 3, 2026, after the close. Analysts expect revenue of $316m and EPS of $0.00 (range −$0.07 to $0.05) for the quarter.
| Fiscal year | EPS | Growth | Revenue | Growth |
|---|---|---|---|---|
| Current | −$0.19 | +39% | $1.2bn | +5% |
| Next | −$0.05 | +74% | $1.4bn | +8% |
Next year's EPS estimate has moved −130.6% in 90 days, across 3 analysts.
| Quarter to | Estimate | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | $0.03 | −$0.13 | −604.8% |
| Mar 2026 | −$0.04 | −$0.15 | −267.2% |
| Dec 2025 | −$0.02 | −$0.10 | −380.0% |
| Sept 2025 | −$0.01 | −$0.01 | −1.4% |
Adjusted EPS as companies report it, against the average analyst estimate.
Last 12 months −79.9%
| Part | Then | Now | Effect |
|---|---|---|---|
| Revenue (last 12 months) | $1.1bn | $1.3bn | +11.4% |
| P/S multiple | 0.7x | 0.1x | −83.5% |
| Share count | 262m | 239m | +9.7% |
Biggest factor: p/s multiple. Loss-making at one end, so the split uses price/sales.
Last 3 years −59.2%
| Part | Then | Now | Effect |
|---|---|---|---|
| Revenue (last 12 months) | $924m | $1.3bn | +36.1% |
| P/S multiple | 0.3x | 0.1x | −57.7% |
| Share count | 169m | 239m | −29.2% |
Biggest factor: p/s multiple. Loss-making at one end, so the split uses price/sales.
| Calendar year | 2022 | 2023 | 2024 | 2025 | 2026 to date |
|---|---|---|---|---|---|
| Return | |||||
| LDI | −65% | +113% | −42% | +2% | −71% |
| Industry peers (median) | −11% | +11% | +7% | +6% | +2% |
| S&P 500 | −18% | +26% | +25% | +18% | +11% |
| Months that ended higher | |||||
| LDI | 25% | 50% | 42% | 33% | 27% |
| S&P 500 | 42% | 67% | 75% | 75% | 46% |
| Largest fall from a high during the year | |||||
| LDI | −75% | −58% | −57% | −55% | −85% |
| S&P 500 | −25% | −10% | −8% | −19% | −9% |
Worst fall since February 11, 2021: 98% from February 12, 2021 to October 14, 2026. Getting back needed a 5733% gain, and the shares have not yet recovered.
| Results released | Next day | S&P 500 next day | 5 days | 21 days |
|---|---|---|---|---|
| August 4, 2026 | −3.7% | +1.6% | −21.0% | −16.5% |
| May 5, 2026 | −7.3% | +2.2% | −17.2% | −17.2% |
| March 10, 2026 | −4.4% | −0.3% | −14.8% | −24.6% |
| November 6, 2025 | −1.4% | −1.0% | −6.1% | +1.4% |
| August 7, 2025 | −8.0% | +0.7% | +5.9% | +102.7% |
| May 6, 2025 | +4.6% | −0.4% | +11.1% | +16.7% |
| March 11, 2025 | −13.5% | −0.3% | −16.5% | −31.8% |
| November 5, 2024 | +23.6% | +3.7% | +33.2% | +9.1% |
| August 6, 2024 | +4.1% | +0.2% | +10.0% | +14.9% |
| May 7, 2024 | −6.9% | +0.1% | −0.9% | −10.4% |
| March 12, 2024 | −8.2% | +0.9% | −13.7% | −1.6% |
| November 7, 2023 | +9.2% | +0.4% | +14.1% | +47.2% |
Source: SEC EDGAR filings. Retrieved October 26, 2026.
| Period | Revenue (TTM) |
|---|---|
| FY23 Q3 | $915.1M |
| FY23 Q4 | $974M |
| FY24 Q1 | $988.9M |
| FY24 Q2 | $982.5M |
| FY24 Q3 | $1B |
| FY24 Q4 | $1.1B |
| FY25 Q1 | $1.1B |
| FY25 Q2 | $1.1B |
| FY25 Q3 | $1.1B |
| FY25 Q4 | $1.2B |
| FY26 Q1 | $1.2B |
| FY26 Q2 | $1.3B |
Source: SEC EDGAR filings. Retrieved October 26, 2026.
| Period | Revenue growth, TTM YoY |
|---|---|
| FY23 Q3 | -48.9% |
| FY23 Q4 | -22.4% |
| FY24 Q1 | 3.0% |
| FY24 Q2 | 6.4% |
| FY24 Q3 | 12.7% |
| FY24 Q4 | 8.9% |
| FY25 Q1 | 12.4% |
| FY25 Q2 | 14.8% |
| FY25 Q3 | 10.2% |
| FY25 Q4 | 12.2% |
| FY26 Q1 | 8.2% |
| FY26 Q2 | 11.4% |
Source: SEC EDGAR filings. Retrieved October 26, 2026.
| Period | FCF margin (TTM) |
|---|---|
| FY23 Q3 | 6.0% |
| FY23 Q4 | -20.0% |
| FY24 Q1 | -68.5% |
| FY24 Q2 | -63.1% |
| FY24 Q3 | -110.1% |
| FY24 Q4 | -83.4% |
| FY25 Q1 | -70.6% |
| FY25 Q2 | -38.5% |
| FY25 Q3 | -4.0% |
| FY25 Q4 | -61.7% |
| FY26 Q1 | -60.6% |
| FY26 Q2 | -22.5% |
| Fiscal year | 2019 Dec 2019 | 2020 Dec 2020 | 2021 Dec 2021 | 2022 Dec 2022 | 2023 Dec 2023 | 2024 Dec 2024 | 2025 Dec 2025 | LTM Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Income | ||||||||
| Revenue | 1,337 | 4,312 | 3,725 | 1,256 | 974 | 1,060 | 1,190 | 1,257 |
| Net income | 0 | 0 | 114 | −273 | −110 | −98 | −63 | −69 |
| Diluted EPS | — | — | $0.87 | −$1.75 | — | — | — | — |
| Growth (year on year) | ||||||||
| Revenue | — | +222.5% | −13.6% | −66.3% | −22.4% | +8.9% | +12.2% | +11.4% |
| Net income | — | — | — | −340.5% | — | — | — | — |
| Diluted EPS | — | — | — | −301.1% | — | — | — | — |
| Margins | ||||||||
| Net margin | 0.0% | 0.0% | 3.0% | −21.7% | −11.3% | −9.3% | −5.3% | −5.5% |
| Free-cash-flow margin | −112.9% | −47.9% | −40.8% | 351.8% | −20.0% | −83.4% | −61.7% | −22.5% |
| Cash flow | ||||||||
| Cash from operations | −1,497 | −2,031 | −1,466 | 4,461 | −174 | −858 | −708 | −251 |
| Capital spending | 13 | 34 | 54 | 43 | 21 | 26 | 27 | 31 |
| Free cash flow | −1,510 | −2,065 | −1,520 | 4,418 | −195 | −885 | −735 | −282 |
| Stock-based pay | 0 | 9 | 67 | 21 | 22 | 25 | 12 | 20 |
| Free cash flow after stock pay | −1,510 | −2,073 | −1,587 | 4,397 | −217 | −910 | −747 | −303 |
| Balance sheet | ||||||||
| Cash | 117 | 284 | 420 | 864 | 661 | 422 | 337 | 229 |
| Total debt | 0 | 712 | 1,628 | 2,289 | 2,274 | 2,027 | 2,100 | 2,130 |
| Net debt (negative = net cash) | −117 | 428 | 1,209 | 1,425 | 1,613 | 1,606 | 1,763 | 1,901 |
| Diluted shares | — | — | 130m | 156m | 175m | 186m | — | — |
| Returned to shareholders | ||||||||
| Dividends | 8 | 643 | 463 | 119 | 3 | 3 | 2 | — |
| Total returned | 8 | 643 | 463 | 119 | 3 | 3 | 2 | — |
| Quarter | 2024 Q3 Sept 2024 | 2024 Q4 Dec 2024 | 2025 Q1 Mar 2025 | 2025 Q2 Jun 2025 | 2025 Q3 Sept 2025 | 2025 Q4 Dec 2025 | 2026 Q1 Mar 2026 | 2026 Q2 Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Income | ||||||||
| Revenue | 315 | 257 | 274 | 283 | 323 | 310 | 286 | 337 |
| Net income | 1 | −33 | −22 | −13 | −5 | −22 | −37 | −5 |
| Diluted EPS | $0.01 | — | — | −$0.06 | — | — | — | −$0.02 |
| Growth (year on year) | ||||||||
| Revenue | +18.4% | +12.6% | +22.8% | +6.5% | +2.8% | +20.5% | +4.7% | +19.4% |
| Margins | ||||||||
| Net margin | 0.4% | −12.9% | −8.0% | −4.7% | −1.5% | −7.2% | −13.1% | −1.3% |
| Free-cash-flow margin | −113.3% | 15.8% | −67.1% | 22.8% | 10.1% | −208.9% | −61.9% | 151.3% |
| Cash flow | ||||||||
| Cash from operations | −349 | 48 | −177 | 71 | 37 | −639 | −169 | 520 |
| Capital spending | 7 | 7 | 7 | 6 | 5 | 9 | 8 | 9 |
| Free cash flow | −356 | 41 | −184 | 64 | 33 | −648 | −177 | 510 |
| Stock-based pay | 8 | 6 | 6 | −2 | 4 | 5 | 6 | 5 |
| Free cash flow after stock pay | −365 | 35 | −189 | 67 | 29 | −653 | −184 | 505 |
| Last 12 months unless stated | LDI | ACT | WD | MTG | ONIT | RDN | Median |
|---|---|---|---|---|---|---|---|
| Revenue, last 12 months | $1.3bn | $1.3bn | $1.3bn | $1.2bn | $1.1bn | $1.6bn | $1.2bn |
| Revenue growth, last 12 months | 11.4% | 2.5% | 8.0% | −1.9% | 16.3% | 37.1% | 11.0% |
| Revenue growth, 3-year average | 10.8% | 4.1% | 5.0% | 1.0% | 3.5% | 10.8% | 10.8% |
| Revenue growth, latest quarter | 19.4% | 4.1% | −3.9% | −2.9% | 14.7% | 92.6% | 11.7% |
| Operating margin | — | — | 20.1% | — | 3.6% | 47.5% | 3.6% |
| Operating margin, 3-year average | — | — | 27.5% | — | 32.0% | −12.9% | 27.5% |
| Net margin | −5.5% | 54.5% | 3.0% | 59.2% | 12.3% | 32.6% | 15.0% |
| Cash from operations / revenue | −20.0% | 57.5% | −9.3% | 59.2% | −183.6% | 84.7% | 20.0% |
| Free-cash-flow margin | −22.5% | — | −10.2% | 59.1% | −183.9% | 84.5% | 10.1% |
| Free-cash-flow margin, 3-year average | −41.4% | — | 12.3% | 61.0% | −84.0% | 1.3% | 1.3% |
| Stock pay / revenue | 1.6% | 1.6% | 2.8% | 2.0% | 0.7% | — | 1.9% |
| Change in share count | 47.7% | −6.3% | 0.3% | −11.5% | 4.9% | −6.8% | −0.1% |
| Measure | Company | Peer median | Rank |
|---|---|---|---|
| Revenue growth Growth | 11.4% | 11.4% | 7 of 14 |
| Change in growth rate Growth | +3.2pp | +0.2pp | 3 of 14 |
| Net margin Profitability | -5.5% | 17.7% | 13 of 14 |
| Stock pay as % of revenue Cash generation | 1.6% | 1.9% | 4 of 11 |
Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).
| Manager | Value | Shares | Share of 13F value | Shares QoQ |
|---|---|---|---|---|
| Blackrock, Inc. | $13.6M | 10.8M | 19.7% | ▲ 13.3% |
| Vanguard Capital Management LLC | $7.6M | 6.1M | 11.0% | ▲ 6.0% |
| Knightsbridge Asset Management, LLC | $6.5M | 3.9M | 9.4% | ▲ 93.9% |
| Geode Capital Management, LLC | $4.9M | 3.9M | 7.1% | ▲ 11.5% |
| Wasatch Advisors LP | $2.9M | 2.3M | 4.2% | ▲ 36.2% |
| Allianz Asset Management Gmbh | $2.8M | 2.2M | 4.1% | ▲ 17.2% |
| State Street Corp | $2.8M | 2.2M | 4.0% | ▲ 4.6% |
| Charles Schwab Investment Management Inc | $2.5M | 2.0M | 3.6% | ▼ 27.0% |
| Millennium Management LLC | $2M | 1.6M | 2.9% | ▲ 23.7% |
| Vanguard Fiduciary Trust Co | $1.5M | 1.2M | 2.2% | ▲ 1.4% |
| Bw Gestao De Investimentos Ltda. | $1.4M | 1.1M | 2.1% | 0.0% |
| Northern Trust Corp | $1.4M | 1.1M | 2.0% | ▲ 16.1% |
From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Loandepot, Inc.'s complete shareholder register. Values are as reported by the filers .
| Insider | Date | Trade | Shares | Price | Value |
|---|---|---|---|---|---|
| Hsieh Anthony Li Executive Chair, CEO & Pres. | September 1, 2026 | Buy | 60,208 | $0.92 | $55,391 |
| Hsieh Anthony Li Executive Chair, CEO & Pres. | August 31, 2026 | Buy | 145,365 | $0.94 | $136,643 |
| Hsieh Anthony Li Executive Chair, CEO & Pres. | August 27, 2026 | Buy | 38,612 | $0.94 | $36,295 |
| Hsieh Anthony Li Executive Chair, CEO & Pres. | August 26, 2026 | Buy | 284,349 | $0.89 | $253,071 |
| Hsieh Anthony Li Executive Chair, CEO & Pres. | August 25, 2026 | Buy | 364,367 | $0.92 | $335,218 |
| Hsieh Anthony Li Executive Chair, CEO & Pres. | August 24, 2026 | Buy | 107,099 | $0.89 | $95,318 |
| Hsieh Anthony Li Executive Chair, CEO & Pres. | January 15, 2026 | Sell pre-set plan | 884,495 | $2.70 | $2.4M |
| Hsieh Anthony Li Executive Chair, CEO & Pres. | January 14, 2026 | Sell pre-set plan | 415,505 | $2.66 | $1.1M |
| Hsieh Anthony Li Executive Chair, CEO & Pres. | December 19, 2025 | Sell pre-set plan | 217,774 | $2.28 | $496,525 |
| Hsieh Anthony Li Executive Chair, CEO & Pres. | December 18, 2025 | Sell pre-set plan | 223,488 | $2.32 | $518,492 |
| Hsieh Anthony Li Executive Chair, CEO & Pres. | December 17, 2025 | Sell pre-set plan | 308,379 | $2.29 | $706,188 |
| Hsieh Anthony Li Executive Chair, CEO & Pres. | December 16, 2025 | Sell pre-set plan | 290,108 | $2.41 | $699,160 |
From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.
Next expected around November 5, 2026 estimated from the company's past filing pattern, not announced
| Data | Last updated | Source |
|---|---|---|
| Share price | Exchange closing prices | |
| Financial statements | SEC 10-K and 10-Q filings | |
| News and updates | Company releases and SEC 8-K filings | |
| Analyst estimates | Aggregated analyst estimates | |
| Valuation and scores | Our models, from the filed figures |
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