loanDepot, Inc. (LDI) Fair Value 2026

LDI · Mortgage Finance ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

4.4 /10

32 fundamental signals · 1 models active

Value Trap Risk

LOW (31/100)

Quick Summary — As of 2026-08-27, loanDepot, Inc. (LDI) trades at $0.97. QOC: 4.4/10. Value Trap Risk: 31/100 (LOW). 1/13 models active.

Key Facts

Ticker
LDI
Price
$0.97
Quality Score
4.4/10
Value Trap Risk
31/100
Models Active
1/13
Last Updated
Strength: 1 independent models provide multi-angle coverage
Risk: Below-average Quality Score of 4.4/10 signals weak fundamentals

What Fair Value Does Each Model Give LDI?

1 Intrinsic Value Models vs. Current Price ($0.97)

Core Models (Unlocked)
Model Fair Value Upside
Relative · Medium Conviction
 $0.63 -35.3%

All Models Active

All 1 models are displayed above.

What Is loanDepot, Inc. (LDI) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, loanDepot, Inc.'s intrinsic value is estimated at $0.63, suggesting the stock is overvalued at its current price of $0.97. With 1 out of 1 models flagging downside (-35.3% vs price), the market may be pricing in unsustainable growth.

What Do the Models Say About LDI?

1 of 13 models are currently active for LDI. All 1 active models suggest the stock trades above fair value. See which stocks rank higher →

How Does LDI Rank in Mortgage Finance?

Among 16 Mortgage Finance stocks, LDI ranks #14 by Quality of Company score. CirclFi's QOC score of 4.4/10 evaluates 32 fundamental signals. A score of 4.4 reflects mixed fundamentals.

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 31/100 (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

1 of 13 models are active for loanDepot, Inc.. Limited activation may indicate insufficient history. 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 4.4/10. This moderate-tier score shows mixed signals across our quality framework with notable weaknesses.

CirclFi runs 13 independent models for each stock. 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 1 active models, average confidence is 45%. 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 →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy loanDepot, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Mortgage Finance Stocks Should You Also Analyze?

9 related Mortgage Finance stocks with 13-model coverage

BETRBetter Home & Finance Holding CompanyQOC 5.1RKTRocket Companies, Inc.QOC 4.3PAPLPineapple Financial Inc.QOC 5.2BLNEBeeline Holdings, Inc.QOC 4.0WDWalker & Dunlop, Inc.QOC 5.4VELVelocity Financial, Inc.QOC 8.8FMCCFederal Home Loan Mortgage CorporationQOC 7.3GHIGreystone Housing Impact Investors LPQOC 6.1MMCPMag Mile Capital, Inc.QOC 5.6

Read investment analysis: BETR · RKT · PAPL · BLNE · WD · VEL · FMCC · GHI · MMCP

Which Other Stocks Have a Similar Quality Score to LDI?

7 companies across all industries closest to LDI’s Quality of Company score of 4.4/10.

WBSRWebstar Technology Group, Inc.QOC 4.4NWBONorthwest Biotherapeutics, Inc.QOC 4.4ERNAErnexa Therapeutics Inc.QOC 4.4MDAMDA Space Ltd.QOC 4.4FEAM5E Advanced Materials, Inc.QOC 4.4PTHSPelthos Therapeutics Inc.QOC 4.4NVDANVIDIA CorporationQOC 10.0

Read investment analysis: WBSR · NWBO · ERNA · MDA · FEAM · PTHS · NVDA

What Else Do Investors Ask About loanDepot, Inc.’s Valuation?

What is loanDepot, Inc.'s intrinsic value in 2026?

CirclFi does not yet have enough active models to publish a median fair value for loanDepot, Inc. (LDI). The Quality of Company score is 4.4/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is LDI overvalued or undervalued right now?

At $0.97, 0 of 1 active models suggest LDI may be undervalued, while 1 indicate potential overvaluation. The assessment depends on which methodology best fits loanDepot, Inc.'s business model in Mortgage Finance.

What does a Quality of Company score of 4.4 mean for LDI?

loanDepot, Inc.'s QOC of 4.4/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores below 5 flag potential fundamental weaknesses requiring careful analysis.

How many valuation models does CirclFi run on LDI?

CirclFi analyzes LDI with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 1 of 13 are active for this stock. Read the full methodology →

Is LDI a value trap in 2026?

loanDepot, Inc.'s Value Trap score is 31/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “CirclFi assigns loanDepot, Inc. (LDI) a Quality of Company score of 4.4/10 across 32 fundamental signals as of 2026-08-27.” Source: circlfi.com/stock/LDI/ · Methodology
Primary sources for this LDI valuation
  • Financial statements: loanDepot, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001831631) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for LDI as of ; valuations recomputed .