loanDepot

LDI · NYSE

$0.5396+$0.0237 (+4.59%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $0.5159

LDI analyst rating

SellConsensus of 1 analyst over the last 12 months. 0% rate it a buy.

Strong buy0
Buy0
Hold0
Underperform0
Sell1

12-month price target · 3 analysts

Average $1.15 (+112.7% upside)

Low: $1.01
Now: $0.5396
High: $1.31

Upgrades and downgrades

The latest rating actions, newest first

LDI analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Goldman Sachs	Jul 15, 2026	Maintains	Sell	$2.10 → $1.25	62%
Goldman Sachs	Oct 29, 2025	Maintains	Sell	$1.45 → $3.00	62%

The case for and against

Updated Feb 9, 2026

Bull case

LoanDepot Inc.'s stock has recently experienced a significant surge, nearly doubling in value, largely due to speculation surrounding a potential "housing emergency" that could lead to lower mortgage rates, thereby enhancing homeowner affordability. The company's strong brand recognition among consumers positions it favorably against other retail lenders, bolstering its lead generation capabilities. Furthermore, while gain on sale margins are nearing their lowest levels, expectations for mortgage rates to stabilize around 6% suggest that margins will not decline further, providing a solid foundation for consistent financial performance.

Bear case

The financial analysis indicates a negative outlook for loanDepot Inc. due to anticipated deeper valuation drawdowns amid volatile interest rates, which could adversely affect the overall performance of the company. The expected leverage ratio of 4.8x at year-end, declining to 4x over the next year, highlights a concerning level of financial leverage that may lead to increased earnings volatility compared to competitors with greater operational scale. Additionally, while loanDepot may consider mortgage servicing rights (MSR) sales to raise cash, the lack of incorporation of these sales into estimates suggests potential liquidity challenges and reliance on external measures for financial stability.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.