What Is loanDepot, Inc. (LDI) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, the balance of valuation evidence tilts cautious on loanDepot, Inc. at its current price of $1.09. The composite intrinsic value is estimated at $1.52 (+39.7% average return), with 5 models flagging overvaluation risk. Notably, EPV sees the most upside at +450.8% (fair value: $5.98), while Markov DDM is the most conservative at -95.6% ($0.05). The spread between these extremes — +546.4% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About LDI?
8 of 13 models are currently active for LDI. Of these, 3 models suggest upside while 5 models suggest overvaluation. See which stocks rank higher →
How Does LDI Rank in Finance Services?
Among 118 Finance Services stocks, LDI ranks #96 by Quality of Company score. CirclFi's QOC score of 4.3/10 evaluates 32 fundamental signals. A score of 4.3 reflects mixed fundamentals.
See all Most Undervalued Finance Services Stocks →
loanDepot, Inc. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.
Is LDI a Value Trap?
CirclFi's Value Trap algorithm assigns LDI a score of 30/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
8 of 13 models are active for loanDepot, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, loanDepot, Inc. is rated at 4.3/10. This moderate-tier score shows mixed signals across our quality framework with notable weaknesses.
The gap between the most bullish and bearish model spans +546.4% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every LDI valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across LDI's 8 active models, average confidence is 37%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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