loanDepot, Inc. (LDI)Financial Services | Mortgage Finance | Irvine, United States | NYSE
0.97 USD
+0.09
(10.315%)
⇧
(Aug. 27, 2026, 4 p.m.
EDT)
After hours: 0.97 0.00 (-0.001%) ⇩ (Aug. 27, 2026, 7:56 p.m. EDT) |
Hot Take ↕ | Aug. 22, 2026, 2:54 a.m. EDT
The market is currently pricing LoanDepot as a binary event waiting to happen, driven entirely by a speculative options squeeze rather than business reality. While the company recently lifted revenue and narrowed losses, showing signs of operational stabilization, the balance sheet remains a ticking time bomb with debt-to-equity exceeding 1,800 and negative operating cash flow. The stock has been decimated over the last four years, dropping nearly 76%, and remains trapped below its 200-day average despite a recent bounce. The massive call open interest suggests traders are desperate for a catalyst to spark a recovery, but without a credible path to profitability or a deleveraging plan, this looks like a classic value trap where the market is ignoring deteriorating fundamentals in favor of a potential short squeeze. The dividend is effectively a ghost, having been cut to zero, leaving investors with nothing but a high-risk equity claim on a leveraged mortgage finance business. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.071166 |
| AutoTheta | 0.076489 |
| AutoARIMA | 0.078361 |
| AutoETS | 0.078364 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 30% |
| H-stat | 10.98 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.420 |
| Excess Kurtosis | -0.90 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2022-03-31 |
| Last Dividend Date | 2022-03-31 |
| Debt to Equity Ratio | 1806.62 |
| Revenue per Share | 5.627 |
| Market Cap | 432,453,792 |
| Forward P/E | 19.46 |
| Beta | 3.12 |
| Profit Margins | -5.50% |
| Website | https://www.loandepot.com |
As of Aug. 22, 2026, 2:54 a.m. EDT: Options activity reveals a distinct 'long gamma' setup with massive open interest in out-of-the-money calls (strikes $1.50, $3.00, $5.00) relative to the current price, suggesting speculators are betting on a significant upside move to trigger a squeeze. However, deep out-of-the-money put volume is virtually non-existent, indicating a lack of hedging against further downside. This asymmetry creates a dangerous environment where any dip could trigger a violent short-covering rally, but the underlying fundamentals do not support the magnitude of the call positioning.
| Date | Dividend | Yield % |
|---|---|---|
| 2022-04-01 | 0.080 | 1.980198 |
| 2021-12-31 | 0.080 | 1.666667 |
| 2021-10-01 | 0.080 | 1.219512 |
| 2021-06-30 | 0.080 | 0.622568 |
| 2021-04-30 | 0.612 | 3.084677 |
| Attribute | Value |
|---|---|
| 52 Week Change | -0.54532707 |
| Address1 | 6,561 Irvine Center Drive |
| All Time High | 39.85 |
| All Time Low | 0.825 |
| Ask | 0.0 |
| Ask Size | 400 |
| Audit Risk | 9 |
| Average Daily Volume10 Day | 2,289,160 |
| Average Daily Volume3 Month | 2,289,593 |
| Average Volume | 2,289,593 |
| Average Volume10Days | 2,289,160 |
| Beta | 3.119 |
| Bid | 0.0 |
| Bid Size | 300 |
| Board Risk | 9 |
| Book Value | 0.866 |
| City | Irvine |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 8 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 0.9732 |
| Current Ratio | 1.363 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,786,665,600 |
| Day High | 1.06 |
| Day Low | 0.8836 |
| Debt To Equity | 1,806.62 |
| Display Name | loanDepot |
| Dividend Date | 1,650,240,000 |
| Earnings Call Timestamp End | 1,785,877,200 |
| Earnings Call Timestamp Start | 1,785,877,200 |
| Earnings Timestamp | 1,785,873,600 |
| Earnings Timestamp End | 1,793,736,000 |
| Earnings Timestamp Start | 1,793,736,000 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 4.764 |
| Enterprise Value | 6,004,533,760 |
| Eps Current Year | -0.15667 |
| Eps Forward | 0.05 |
| Eps Trailing Twelve Months | -0.34 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,648,771,200 |
| Exchange | NYQ |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 1.04294 |
| Fifty Day Average Change | -0.06974 |
| Fifty Day Average Change Percent | -0.066868655 |
| Fifty Two Week Change Percent | -54.532707 |
| Fifty Two Week High | 5.05 |
| Fifty Two Week High Change | -4.0768003 |
| Fifty Two Week High Change Percent | -0.80728716 |
| Fifty Two Week Low | 0.825 |
| Fifty Two Week Low Change | 0.14820004 |
| Fifty Two Week Low Change Percent | 0.1796364 |
| Fifty Two Week Range | 0.825 - 5.05 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,613,053,800,000 |
| Float Shares | 112,386,538 |
| Forward Eps | 0.05 |
| Forward P E | 19.464 |
| Full Exchange Name | NYSE |
| Full Time Employees | 4,626 |
| Fullday Change | 0.02669996 |
| Fullday Change Percent | 2.7435224 |
| Fullday Price | 0.9725 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,785,542,400 |
| Gross Margins | 0.88948 |
| Gross Profits | 1,121,149,056 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.03305 |
| Held Percent Institutions | 0.67624 |
| Implied Shares Outstanding | 444,362,701 |
| Industry | Mortgage Finance |
| Industry Disp | Mortgage Finance |
| Industry Key | mortgage-finance |
| Ipo Expected Date | 2,021-02-09 |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Dividend Date | 1,648,771,200 |
| Last Dividend Value | 0.08 |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | 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 title, escrow, and settlement services for mortgage loan transactions; 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. |
| Long Name | loanDepot, Inc. |
| Market | us_market |
| Market Cap | 432,453,792 |
| Market State | PREPRE |
| Max Age | 86,400 |
| Message Board Id | finmb_83967523 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | -69,383,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 478,767,310 |
| Number Of Analyst Opinions | 2 |
| Open | 0.93 |
| Operating Cashflow | -251,008,000 |
| Operating Margins | -0.02021 |
| Overall Risk | 8 |
| Payout Ratio | 0.0 |
| Phone | 888 337 6888 |
| Post Market Change | -0.00069999695 |
| Post Market Change Percent | -0.07192735 |
| Post Market Price | 0.9725 |
| Post Market Time | 1,787,875,016 |
| Previous Close | 0.8822 |
| Price Eps Current Year | -6.211783 |
| Price Hint | 4 |
| Price To Book | 1.1237875 |
| Price To Sales Trailing12 Months | 0.34309396 |
| Profit Margins | -0.05505 |
| Quick Ratio | 0.558 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | 0.091 |
| Regular Market Change Percent | 10.3151 |
| Regular Market Day High | 1.06 |
| Regular Market Day Low | 0.8836 |
| Regular Market Day Range | 0.8836 - 1.06 |
| Regular Market Open | 0.93 |
| Regular Market Previous Close | 0.8822 |
| Regular Market Price | 0.9732 |
| Regular Market Time | 1,787,860,803 |
| Regular Market Volume | 9,020,857 |
| Return On Assets | -0.01598 |
| Return On Equity | -0.26713 |
| Revenue Growth | 0.097 |
| Revenue Per Share | 5.627 |
| Sand P52 Week Change | 0.1890428 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 8 |
| Shares Outstanding | 232,227,582 |
| Shares Percent Shares Out | 0.0535 |
| Shares Short | 18,087,399 |
| Shares Short Previous Month Date | 1,784,073,600 |
| Shares Short Prior Month | 17,818,299 |
| Short Name | loanDepot, Inc. |
| Short Percent Of Float | 0.1547 |
| Short Ratio | 6.66 |
| Source Interval | 15 |
| State | CA |
| Symbol | LDI |
| Target High Price | 1.25 |
| Target Low Price | 1.0 |
| Target Mean Price | 1.125 |
| Target Median Price | 1.125 |
| Total Cash | 370,360,992 |
| Total Cash Per Share | 1.595 |
| Total Debt | 6,016,876,032 |
| Total Revenue | 1,260,452,992 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | -0.34 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 1.710285 |
| Two Hundred Day Average Change | -0.7370849 |
| Two Hundred Day Average Change Percent | -0.430972 |
| Type Disp | Equity |
| Volume | 9,020,857 |
| Website | https://www.loandepot.com |
| Zip | 92,618 |