Is Loandepot Stock a Good Investment?
Loandepot Investment Advice | LDI |
- Examine Loandepot's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Loandepot's leadership team and their track record. Good management can help Loandepot navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Loandepot's business and its evolving consumer preferences.
- Compare Loandepot's performance and market position to its competitors. Analyze how Loandepot is positioned in terms of product offerings, innovation, and market share.
- Check if Loandepot pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Loandepot's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Loandepot stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Loandepot is a good investment.
Sell | Buy |
Strong Sell
Market Performance | Very Weak | Details | |
Volatility | Risky | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Average | Details | |
Economic Sensitivity | Slowly supersedes the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Hold | Details | |
Financial Strenth (F Score) | Frail | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Possible Manipulator | Details |
Examine Loandepot Stock
Researching Loandepot's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 16.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 1.03. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Loandepot has Price/Earnings To Growth (PEG) ratio of 0.05. The entity recorded a loss per share of 0.51. The firm last dividend was issued on the 1st of April 2022.
To determine if Loandepot is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Loandepot's research are outlined below:
| Loandepot generated a negative expected return over the last 90 days | |
| Loandepot may become a speculative penny stock | |
| Loandepot has high likelihood to experience some financial distress in the next 2 years | |
| The company reported the last year's revenue of 739.27 M. Reported Net Loss for the year was (110.14 M) with profit before taxes, overhead, and interest of 900.03 M. | |
| Loandepot has about 419.57 M in cash with (174.22 M) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 9.31, which can makes it an attractive takeover target, given it will continue generating positive cash flow. | |
| Loandepot has a frail financial position based on the latest SEC disclosures | |
| Roughly 16.0% of the company outstanding shares are owned by corporate insiders | |
| Latest headline from zacks.com: Onity Group Misses Q4 Earnings and Revenue Estimates |
Loandepot Quarterly Liabilities And Stockholders Equity |
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Loandepot uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Loandepot. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Loandepot's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 13th of March 2024 Upcoming Quarterly Report | View | |
| 14th of May 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 13th of March 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact Loandepot's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Loandepot's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2024-03-12 | 2023-12-31 | -0.07 | -0.08 | -0.01 | 14 | ||
2023-08-08 | 2023-06-30 | -0.13 | -0.11 | 0.02 | 15 | ||
2024-08-06 | 2024-06-30 | -0.09 | -0.05 | 0.04 | 44 | ||
2023-05-09 | 2023-03-31 | -0.23 | -0.18 | 0.05 | 21 | ||
2024-11-05 | 2024-09-30 | -0.04 | 0.02 | 0.06 | 150 | ||
2024-05-07 | 2024-03-31 | -0.06 | -0.12 | -0.06 | 100 | ||
2022-02-01 | 2021-12-31 | 0.16 | 0.09 | -0.07 | 43 | ||
2021-11-01 | 2021-09-30 | 0.39 | 0.46 | 0.07 | 17 |
Know Loandepot's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Loandepot is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Loandepot backward and forwards among themselves. Loandepot's institutional investor refers to the entity that pools money to purchase Loandepot's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Cullen Capital Management, Llc | 2024-12-31 | 450.5 K | Tudor Investment Corp Et Al | 2024-09-30 | 401.7 K | Jpmorgan Chase & Co | 2024-09-30 | 359.2 K | Castleknight Management Lp | 2024-09-30 | 350.9 K | Dimensional Fund Advisors, Inc. | 2024-12-31 | 344.7 K | Walleye Trading Advisors, Llc | 2024-09-30 | 328.5 K | Spears Abacus Advisors Llc | 2024-09-30 | 322.5 K | Dean Capital Investments Management, Llc | 2024-09-30 | 298.3 K | State Of Wyoming | 2024-09-30 | 249.2 K | Vanguard Group Inc | 2024-12-31 | 6.7 M | Cannell Capital Llc | 2024-12-31 | 4.4 M |
Loandepot's market capitalization trends
The company currently falls under 'Small-Cap' category with a total capitalization of 539.55 M.Market Cap |
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Loandepot's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | (0.03) | (0.03) | |
| Return On Capital Employed | (0.01) | (0.01) | |
| Return On Assets | (0.02) | (0.02) | |
| Return On Equity | (0.36) | (0.34) |
Determining Loandepot's profitability involves analyzing its financial statements and using various financial metrics to determine if Loandepot is a good buy. For example, gross profit margin measures Loandepot's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Loandepot's profitability and make more informed investment decisions.
Evaluate Loandepot's management efficiency
Loandepot has Return on Asset of (0.0311) % which means that on every $100 spent on assets, it lost $0.0311. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of (0.2858) %, meaning that it generated no profit with money invested by stockholders. Loandepot's management efficiency ratios could be used to measure how well Loandepot manages its routine affairs as well as how well it operates its assets and liabilities. The Loandepot's current Return On Tangible Assets is estimated to increase to -0.03. The Loandepot's current Return On Capital Employed is estimated to increase to -0.01. As of now, Loandepot's Intangible Assets are increasing as compared to previous years. The Loandepot's current Intangibles To Total Assets is estimated to increase to 0.31, while Total Assets are projected to decrease to under 6.4 B.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 3.63 | 3.69 | |
| Tangible Book Value Per Share | (8.52) | (8.09) | |
| Enterprise Value Over EBITDA | 2.58 | 2.46 | |
| Price Book Value Ratio | 2.00 | 1.90 | |
| Enterprise Value Multiple | 2.58 | 2.46 | |
| Price Fair Value | 2.00 | 1.90 | |
| Enterprise Value | 3.8 B | 3.2 B |
Management at Loandepot focuses on leveraging technology and optimizing operations. We evaluate the impact of these focuses on the company's financial health and stock performance.
Beta 3.006 |
Basic technical analysis of Loandepot Stock
As of the 17th of February 2025, Loandepot secures the Mean Deviation of 2.33, standard deviation of 3.03, and Risk Adjusted Performance of (0.15). In connection with fundamental indicators, the technical analysis model lets you check existing technical drivers of Loandepot, as well as the relationship between them.Loandepot's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Loandepot insiders, such as employees or executives, is commonly permitted as long as it does not rely on Loandepot's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Loandepot insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Loandepot's Outstanding Corporate Bonds
Loandepot issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Loandepot uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Loandepot bonds can be classified according to their maturity, which is the date when Loandepot has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| LLOYDS BKG GROUP Corp BondUS53944YAE32 | View | |
| LLOYDS BKG GROUP Corp BondUS53944YAD58 | View | |
| LLOYDS BKG GROUP Corp BondUS53944YAB92 | View | |
| LLOYDS BKG GROUP Corp BondUS53944YAF07 | View | |
| LLOYDS 8 Corp BondUS53944YAV56 | View | |
| LLOYDS 4976 11 AUG 33 Corp BondUS53944YAU73 | View | |
| LLOYDS 4716 11 AUG 26 Corp BondUS53944YAT01 | View | |
| LLOYDS 375 18 MAR 28 Corp BondUS53944YAS28 | View |
Understand Loandepot's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Loandepot's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | (0.15) | |||
| Market Risk Adjusted Performance | (1.65) | |||
| Mean Deviation | 2.33 | |||
| Coefficient Of Variation | (453.11) | |||
| Standard Deviation | 3.03 | |||
| Variance | 9.21 | |||
| Information Ratio | (0.22) | |||
| Jensen Alpha | (0.68) | |||
| Total Risk Alpha | (0.68) | |||
| Treynor Ratio | (1.66) | |||
| Maximum Drawdown | 13.55 | |||
| Value At Risk | (5.41) | |||
| Potential Upside | 4.15 | |||
| Skewness | 0.2385 | |||
| Kurtosis | 0.2168 |
| Risk Adjusted Performance | (0.15) | |||
| Market Risk Adjusted Performance | (1.65) | |||
| Mean Deviation | 2.33 | |||
| Coefficient Of Variation | (453.11) | |||
| Standard Deviation | 3.03 | |||
| Variance | 9.21 | |||
| Information Ratio | (0.22) | |||
| Jensen Alpha | (0.68) | |||
| Total Risk Alpha | (0.68) | |||
| Treynor Ratio | (1.66) | |||
| Maximum Drawdown | 13.55 | |||
| Value At Risk | (5.41) | |||
| Potential Upside | 4.15 | |||
| Skewness | 0.2385 | |||
| Kurtosis | 0.2168 |
Consider Loandepot's intraday indicators
Loandepot intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Loandepot stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Loandepot time-series forecasting models is one of many Loandepot's stock analysis techniques aimed to predict future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Loandepot's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.
Loandepot Stock media impact
Far too much social signal, news, headlines, and media speculation about Loandepot that are available to investors today. That information is available publicly through Loandepot media outlets and privately through word of mouth or via Loandepot internal channels. However, regardless of the origin, that massive amount of Loandepot data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Loandepot news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Loandepot relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Loandepot's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Loandepot alpha.
Loandepot Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Loandepot can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Loandepot Corporate Management
| Darren Graeler | Executive Officer | Profile | |
| Jeffrey DerGurahian | Chief Economist | Profile | |
| Jeff DerGurahian | Senior Executive Vice President Capital Markets | Profile | |
| Andrew Dodson | Director | Profile | |
| Clare Anderson | Director Solutions | Profile | |
| Dawn Lepore | Director | Profile |
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Loandepot. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in unemployment. For more detail on how to invest in Loandepot Stock please use our How to Invest in Loandepot guide.You can also try the Headlines Timeline module to stay connected to all market stories and filter out noise. Drill down to analyze hype elasticity.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Loandepot. If investors know Loandepot will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Loandepot listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.99) | Earnings Share (0.51) | Revenue Per Share | Quarterly Revenue Growth 0.26 | Return On Assets |
The market value of Loandepot is measured differently than its book value, which is the value of Loandepot that is recorded on the company's balance sheet. Investors also form their own opinion of Loandepot's value that differs from its market value or its book value, called intrinsic value, which is Loandepot's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Loandepot's market value can be influenced by many factors that don't directly affect Loandepot's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between Loandepot's value and its price, as these two are different measures arrived at by various means. Investors typically determine if Loandepot is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Loandepot's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.