Is LDI or LX more undervalued in 2026?

CirclFi compares loanDepot, Inc. (LDI) and LexinFintech Holdings Ltd. (LX) using 13 institutional-grade valuation models. LDI has a Quality of Company score of 4.1/10 while LX scores 8.8/10.

Which is a better buy — LDI or LX?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do LDI and LX valuations compare?

LDI at $1.32 and LX at $2.20 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

LDI vs LX Valuation Comparison 2026 — Intrinsic Value Analysis

LDI

Finance Services

loanDepot, Inc.

Quality

4.1

out of 10

Value Trap

LOW

Price

$1.32

Last close

Models

7/13

Active

LX

Finance Services

LexinFintech Holdings Ltd.

Quality

8.8

out of 10

Value Trap

LOW

Price

$2.20

Last close

Models

4/13

Active

Model-by-Model Comparison

Model	Type	LDI Fair Value	LDI Upside	LX Fair Value	LX Upside
Earnings Power Value	Intrinsic	$1.43	-9.9%	—	—
Markov DDM	Intrinsic	$0.04	-97.2%	—	—
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	—	—	$2.51	+14.0%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	—	—	$4.94	+124.6%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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LDI vs LX — Which Stock Is More Undervalued?

LX scores higher with a 8.8/10 quality rating vs LDI's 4.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing loanDepot, Inc. (LDI) and LexinFintech Holdings Ltd. (LX) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

LDI currently trades at $1.32 with a QOC of 4.1/10, while LX trades at $2.20 with a QOC of 8.8/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).