LDI Stock Analysis: Buy, Sell, or Hold?
LDI - loanDepot, Inc.
$1.23
-0.03 (-2.38%)
▼
5d:
+3.36%
30d:
-1.6%
90d:
-12.77%
BUY
HIGH Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Aug 06, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: LDI trading at deep discount. Market pricing in -15.6% annual earnings decline, creating value opportunity for patient investors.
✅ BUY SIGNAL: LDI trading at deep discount. Market pricing in -15.6% annual earnings decline, creating value opportunity for patient investors.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$3.98
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$2.47
50.3% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: LDI is currently trading at $1.23, which is considered fair relative to its 30-day fair value range of $1.15 to $1.27. From a valuation perspective, the stock is trading at a discount (Forward PE: 5.6) compared to its historical average (9.3). Remarkably, the market is currently pricing in an annual earnings decline of 15.6% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, LDI is in a strong uptrend. Immediate support is located at $1.11, while resistance sits at $1.33.
Market Sentiment: LDI has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $1.80 (+46.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, LDI is in a strong uptrend. Immediate support is located at $1.11, while resistance sits at $1.33.
Market Sentiment: LDI has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $1.80 (+46.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$1.15 -
$1.27
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
83.3%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 46.3% below Wall St target ($1.80)
Trading Range Analysis
30-Day Trading Range
$1.15 -
$1.27
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$1.11
Resistance Level
$1.33
Current Trend
Strong Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
5.59
Wall Street Target
$1.80
(+46.3%)
Revenue Growth (YoY)
1.7%
Earnings Growth (YoY)
-98.8%
Profit Margin
-6.3%
Valuation Discount vs History
-15.6% cheaper
PE vs Historical
5.6 vs 9.3
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-15.6%
(market-implied from PE analysis)
1-Year Target
$1.11
(-10%)
2-Year Target
$1.00
(-19%)
3-Year Target
$0.90
(-27%)
3-Yr Target (if PE normalizes)
(PE: 6→9)
$1.49
(+21%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 633.3%)
$16.17
(+1215%)
Base:
(SPY PE: 5.6, Growth: 633.3%)
$4.15
(+238%)
Bear:
(PE: 4.8, Growth: 633.3%)
$3.53
(+187%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 5.6 to 9.3
Stabilization Target:
$2.05
(+66.3%)
PE Expansion Potential:
+66.3%
Share & Embed Analysis
Last updated: July 04, 2026 5:35 PM ET
Data refreshes hourly during market hours. Next update: 6:35 PM
Data refreshes hourly during market hours. Next update: 6:35 PM
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Technical Signals Check
Is LDI showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Anthony Li Hsieh
SELL
884495 shares
2026-01-15
Anthony Li Hsieh
SELL
415505 shares
2026-01-14
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