loanDepot, Inc. (LDI)
NYSEFinancialsFinancial - MortgagesSnapshot 2026-09-04
$0.94+0.27%
Close 2026-09-04 · 1-day change
NYSEFinancialsFinancial - MortgagesSnapshot 2026-09-04
QuarterlyIQ Insights · LDI
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -51.1% |
| Our one-year growth estimate | diamond | 7.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the opposite direction.
Price observations: 365 days
Usually moved in the opposite direction.
Price observations: 365 days
Most sensitive to real (inflation-adjusted) rates and long-term interest rates.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 59.0 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Elevated risk of a next-quarter earnings miss: this name its industry peers have been missing lately and has been missing across recent quarters. A fundamental tilt, not a price call.
Model as of 2026-09-04 · Compared with 8 industry peers · Company calendar date is not available
LDI — legal / regulatory event — Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standar…
Dated 2026-08-21
Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing. On August 21, 2026, loanDepot, Inc. (the "Company") received a written notice (the "Notice") from the New York Stock Exchange (the "NYSE") that it was not in compliance with the continued listing standard set forth in Section 802.01C of the NYSE's Listed Company Manual ("Section 802.01C"), because the average closing price of the Company's Class A Common Stock (the "Common Stock"), was less th…
Why it matters: The stock must meet NYSE listing standards. A failure could lead to delisting.
Worry ifloanDepot's stock price stays above $1.00 for 30 days in a row.
Less concerning ifAverage closing price stays below $1.00 for 30 days in a row.
Why it matters: If revenue growth falls below median, it signals a slowdown in the financial sector. This could impact loanDepot's performance.
Worry ifSector revenue growth drops below its median of 15%.
Less concerning ifSector revenue growth remains above its median.
Why it matters: Regaining compliance is key for keeping the NYSE listing and investor trust.
Supportive ifAverage closing price of Class A Common Stock exceeds $1.00 over 30 days.
Worry ifAverage closing price is under $1.00. This risks delisting.
Why it matters: Continued growth in this area can stabilize revenue and improve margins.
Supportive ifHome equity lending unit volume grows more than 25% quarter over quarter.
Worry ifHome equity lending unit growth is below 10% from last quarter.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$267 on $10,000 · ±2.7% | How much price usually moves either way. |
| Bad day | $741 loss on $10,000 · 7.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $8,130 loss on $10,000 · 81.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Higher margins show better product mix and more money made.
Supportive ifPull-through weighted gain on sale margin exceeds 390 basis points.
Worry ifMargin is under 360 basis points. This shows problems with making money.
Why it matters: This range shows if the company can maintain growth momentum in a tough market.
Watch forQ3 loan origination volume is over $8.25 billion. This shows strong demand.
Also watch forQ3 loan origination volume is under $6.25 billion. This shows possible weakness.
Why it matters: Updates on the buyback can show management's trust in the company and help the stock.
Supportive ifManagement says they finished a big part of the share buyback program.
Worry ifNo updates or delays in the share buyback program for the next quarter.
Why it matters: A smaller net loss shows better financial health and efficiency.
Supportive ifNet loss is reported below $7 million for Q3.
Worry ifNet loss exceeds $7 million for Q3.
Why it matters: Lower costs mean better efficiency and profit chances.
Supportive ifCost-per-funded loan goes down from the last quarter.
Worry ifCost-per-funded loan goes up from the last quarter.
Why it matters: Earnings results will show if loanDepot can improve after a loss.
Watch forEarnings report shows a net profit or reduced loss compared to Q1.
Also watch forEarnings report shows a net loss greater than $55 million.
Why it matters: This margin is important for making money. A strong margin shows good cost control.
Supportive ifGain on sale margin reported between 330 and 360 basis points.
Worry ifGain on sale margin falls below 330 basis points.