loanDepot (NYSE:LDI) Releases Earnings Results, Misses Estimates By $0.06 EPS

loanDepot (NYSE:LDI) released its quarterly earnings results on Tuesday. The company reported ($0.10) EPS for the quarter, missing the consensus estimate of ($0.04) by ($0.06), FiscalAI reports. The company had revenue of $316.27 million for the quarter, compared to the consensus estimate of $333.29 million. loanDepot had a negative net margin of 5.27% and a negative return on equity of 17.66%.

Here are the key takeaways from loanDepot’s conference call:

• The company reported its highest quarterly originations since 2022 at $8.0 billion and said it gained market share while pull-through weighted lock volume rose to $7.3 billion (up 4% q/q), signaling scaling momentum.
• loanDepot highlighted a strong in‑house servicing performance with a 71% recapture rate and is investing in AI and digital funnel rebuilds to lower acquisition costs and improve operating leverage.
• Adjusted net loss widened to $21 million in Q4 (vs. $3 million in Q3), driven by a lower pull‑through weighted gain‑on‑sale margin (324 bps vs. 339 bps), higher MSR amortization and increased personnel costs; cash ended the quarter at $337 million after inventory investments and debt repayment.
• Management plans to re‑enter the wholesale channel to boost scale and expects first‑quarter guidance of pull‑through weighted lock volume of $7.75B–$8.75B, originations of $6.75B–$7.75B, and gain‑on‑sale margin of 270–300 bps, while flagging near‑term expense increases for personnel and innovation investments.

loanDepot Price Performance

Shares of LDI stock opened at $1.77 on Thursday. loanDepot has a 52-week low of $1.01 and a 52-week high of $5.05. The stock has a market cap of $588.16 million, a PE ratio of -6.09, a PEG ratio of 0.44 and a beta of 3.47. The company has a debt-to-equity ratio of 6.94, a quick ratio of 1.19 and a current ratio of 1.19. The firm’s 50 day moving average price is $2.24 and its two-hundred day moving average price is $2.65.

Analyst Ratings Changes

Several research analysts have issued reports on LDI shares. Weiss Ratings reaffirmed a “sell (d-)” rating on shares of loanDepot in a report on Thursday, January 22nd. The Goldman Sachs Group set a $2.40 target price on loanDepot in a research note on Tuesday, January 6th. Bank of America set a $1.75 price target on loanDepot in a research note on Monday, December 1st. Finally, BTIG Research reiterated a “neutral” rating on shares of loanDepot in a report on Wednesday. Two investment analysts have rated the stock with a Hold rating and two have issued a Sell rating to the stock. According to MarketBeat.com, the stock presently has an average rating of “Reduce” and an average target price of $2.38.

Insider Activity at loanDepot

In other news, CEO Anthony Li Hsieh sold 884,495 shares of the stock in a transaction on Thursday, January 15th. The stock was sold at an average price of $2.70, for a total value of $2,388,136.50. The transaction was disclosed in a filing with the SEC, which is accessible through the SEC website. In the last three months, insiders have sold 2,600,000 shares of company stock worth $6,561,770. Insiders own 78.05% of the company’s stock.

Institutional Investors Weigh In On loanDepot

Institutional investors have recently made changes to their positions in the stock. Millennium Management LLC increased its holdings in loanDepot by 622.6% in the third quarter. Millennium Management LLC now owns 5,620,553 shares of the company’s stock valued at $17,255,000 after purchasing an additional 4,842,751 shares during the last quarter. UBS Group AG grew its position in shares of loanDepot by 1,125.1% during the 3rd quarter. UBS Group AG now owns 2,020,027 shares of the company’s stock worth $6,201,000 after buying an additional 1,855,136 shares during the period. Wasatch Advisors LP acquired a new position in shares of loanDepot during the 4th quarter worth about $3,229,000. Geode Capital Management LLC increased its stake in shares of loanDepot by 134.4% in the 2nd quarter. Geode Capital Management LLC now owns 1,925,712 shares of the company’s stock valued at $2,446,000 after acquiring an additional 1,104,021 shares during the last quarter. Finally, Squarepoint Ops LLC raised its position in shares of loanDepot by 1,264.5% in the 3rd quarter. Squarepoint Ops LLC now owns 703,939 shares of the company’s stock valued at $2,161,000 after acquiring an additional 652,348 shares during the period. 39.39% of the stock is owned by institutional investors and hedge funds.

loanDepot Company Profile

loanDepot, Inc (NYSE: LDI) is a leading non-bank consumer lender that provides a broad range of home and personal financing products through a digitally enabled platform. The company specializes in originating and servicing purchase and refinance mortgage loans, home equity lines of credit (HELOCs), and personal loans. Through its proprietary mello™ technology suite, loanDepot streamlines the application, underwriting, and closing processes for borrowers and real estate professionals, emphasizing speed, transparency, and a seamless digital experience.

Founded in 2010 by Anthony Hsieh, loanDepot has grown rapidly to become one of the largest independent mortgage lenders in the United States.