Should I buy, hold, or sell LDI stock right now?

loanDepot Inc. (Class A) (LDI) currently earns a Roarable Rating of E (Strong Sell — SELL) with 31/100 RQD Confidence. Stretched risk/reward at current multiples (-28% return on capital) under elevated 10-year interest-rate pressure.

What is LDI's 12-month price target and RQD AI Jury consensus?

LDI's 12-month base price target is $0.54 (range $0.42 to $3.4), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Stock Ratings / Financials / LDI

PNNT (47) BGIN (25) ZSQR (24) LIEN (34) ⌘ Pro Terminal →

loanDepot Inc. (Class A) (LDI) — RQD Stock Rating Cockpit

$0.61 +4.92% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $0.61

loanDepot Inc. (Class A) (LDI) carries a Roarable Rating of E (Strong Sell) with 31/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE E • RED ALERT Cap $195.8M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on LDI Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is LDI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, loanDepot Inc. (Class A) (NYSE: LDI) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 31/100 at a spot price of $0.61 (+4.92% 1D, market cap $195.8M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 7/20, and Executive Insider Alignment 5/20. Across 1097 tracked Financials issuers, LDI ranks #1015 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does LDI compare to PNNT and BGIN in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), LDI carries a Roarable E (31/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -27.9%. By comparison, PNNT (PennantPark Investment Corporation) holds a D grade (47/100 RQD, P/E 6.0x, ROIC 7.2%, cap $197.2M) and BGIN (Bgin Blockchain Limited (Class A)) posts a E grade (25/100 RQD, P/E N/A, ROIC -35.0%, cap $199.1M). Among the 5-stock peer group, PNNT leads on earnings multiple (6.0x) while LIEN leads on capital efficiency (11.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for LDI?

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Per LDI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001831631), loanDepot Inc. (Class A) generated $2.88B in revenue (+8.1% YoY), -$107.5M in net income, and -$734.6M in free cash flow against $6.86B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $0.61 (+0.70%)🧬 Disciplined Float (+0.72% YoY Shares)⚙️ Cash Engine: 3/20 (E) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (31/100 · E) historically underperformed SPY in 71% of rolling 90-day windows (-9.4% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERRED ALERT • E

3-of-3 Quant Analysts Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw E · Rk D-

Each axis scored 0–20

12M PRICE TARGET CONE-11.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for LDI)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (31/100 Composite)

🔍 WHY LDI SCORES 31/100 (E) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (32% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 1/9

▲ #2 Bullish Driver: Whale & Options Positioning+7/20 pts (23% of score)

20D Institutional Volume Accumulation (±12.5% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality4/20 pts (-16 pt drag)

Capital intensity & 0% operating margin leave 16 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade E$0.56-3.6% Next Q

Q2 (-2Q)

Grade E$0.54+22.2% Next Q

Q3 (-1Q)

Grade E$0.66-7.6% Next Q

Current

Grade E$0.61-9.4% Hist 90D α

Trajectory: E (23) → E (31)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a LDI Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While LDI currently carries a cautious 31/100 (E) rating due to Cash Engine Quality (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($0.69) and Max Pain ($0.64) forces dealer call-delta covering toward $3.40.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.72% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $LDI• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “LDI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 31%NO 69%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

45.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

1 / 99-Pt Accounting

52-WEEK LASER RANGE4% OF RANGE

L: $0$0.61H: $3

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: ERQD 2 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: ERQD 12 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D-RQD 17 / 40

MULTI-MODEL QUANT PANEL DELIBERATION

3-of-3 Quant Analysts Bearish Warning on LDI

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (15)

-27.9% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (50)

Altman-Z 4.20 and Piotroski 1/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (32)

12/40 institutional & smart-money positioning score with 7/20 macro alignment.

Bull Case: Why Buyers Like LDI

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring LDI)

✓Walkthrough of LDI's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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LDI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -59.60%⚡ TESTING RESISTANCE

2026-11-03O $0.60H $0.61L $0.58C $0.61VOL 2.59M

RES: $0.63SUP: $0.38SMA50: $0.69SMA200: $1.27

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

LDI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 LDI Butterfly Map → + Track LDI →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

8.0%/yr Implied 5Y Growth

vs. +8.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on LDI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for LDI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for LDI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (LDI)

Financials Rank #1015 of 1097 ⚔️ PNNT vs LDI Full Matrix →

1. Head-to-Head Financials Peer Comparison (LDI vs. PNNT, BGIN, ZSQR, LIEN)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, loanDepot Inc. (Class A) (LDI) ranks #1015 by composite RQD confidence (31/100, grade E) and #885 by equity capitalization ($195.8M). Within this direct 5-issuer industry benchmark cohort, PNNT leads on earnings valuation at 6.0x trailing P/E, while LIEN leads on capital efficiency and profitability with 11.0% ROIC and — gross margin. PNNT currently holds the highest overall quantitative score in the immediate peer group at 47/100 (D) compared with LDI at 31/100 (E).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
LDI ACTIVE loanDepot Inc. (Class A)	E	31/100	—	—	-27.9%	+4.92%	$195.8M	Benchmark Subject
PNNT PennantPark Investment Corporation	D	47/100	6.0x	—	7.2%	+2.65%	$197.2M	/pnnt-vs-ldi →
BGIN Bgin Blockchain Limited (Class A)	E	25/100	—	—	-35.0%	+1.14%	$199.1M	/bgin-vs-ldi →
ZSQR Z Squared Inc.	E	24/100	—	—	-35.0%	+2.79%	$190.3M	/zsqr-vs-ldi →
LIEN Chicago Atlantic BDC Inc.	E	34/100	6.3x	—	11.0%	-0.11%	$208.1M	/lien-vs-ldi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001831631 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), loanDepot Inc. (Class A) (LDI) reported GAAP revenue of $2.88B (+8.1% vs. FY2024 revenue of $2.66B , and +171.8% cumulative change since FY2023) , GAAP net income of -$107.5M, operating cash flow of -$707.5M, and free cash flow of -$734.6M (+17.0% YoY). On the balance sheet, LDI closed FY2025 with $6.86B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 1/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$2.88B	-$107.5M	-$707.5M	-$734.6M	$6.86B	—
FY2024 (FY)	2024-12-31	$2.66B	-$202.2M	-$858.3M	-$884.7M	$6.34B	—
FY2023 (FY)	2023-12-31	$1.06B	-$235.5M	-$174.2M	-$174.2M	—	—

3. LDI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is LDI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does LDI compare to PNNT and BGIN in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for LDI?

Where is LDI trading relative to its 50-day, 200-day, and 52-week technical levels?

LDI last traded at $0.61 (+4.92% on volume of 1,726,059 shares), positioning the stock -11.59% below its 50-day simple moving average ($0.69) and -51.97% below its 200-day simple moving average ($1.27). Across its 52-week range of $0.49 to $3.24, LDI sits at the 4.4% percentile with a 14-day RSI of 45.6 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($1.00 to $0.69).

Direct Sub-Reports: LDI RQD Cockpit LDI 12M Forecast LDI Earnings & Move LDI Dividends & DRIP LDI Insiders & 13F LDI Whale Options LDI Profit Sankey LDI News & Why

ROARABLE RATING BRIEF • RQD 31/100 (E) ✓ SEC XBRL & RQD VERIFIED

LDI — loanDepot Inc. (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

loanDepot Inc. (Class A) (LDI) earns a live Roarable RQD composite score of 31/100, corresponding to a E letter grade (Roarable Strong Sell) at a spot price of $0.61 (+4.92% 1D, market capitalization $195.8M).

Fundamental Cash Engine (3/20): Anchored by return on invested capital (ROIC) of -27.9%, gross margin of —, operating margin of —, and free cash flow yield of —.
Whale 13F & Options Flow (7/20) + Insider Conviction (5/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (7/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 1/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

. (Class A) is a NYSE-listed issuer in the Financials sector, operating in the Finance: Consumer Services industry. The company's market capitalization is $0.2B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), loanDepot Inc. (Class A) (LDI) reported $2.88B in annual revenue (up from $2.66B in FY2024, +8.1% YoY) and -$107.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.06B revenue, -$235.5M net income) through FY2025, LDI scaled operating cash flow to -$707.5M and free cash flow to -$734.6M, backed by $6.86B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (E • RQD 31/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 7/20. With Fundamental Cash Engine at 3/20 and Institutional Whale Flow at 7/20, sustained execution supports upside toward the upper end of the $0.49 – $3.24 52-week range.
🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— for upstream or downstream dependencies, sector correlations, or second-order bottlenecks. A prospective investor should note that the absence of mapped links means this analysis cannot identify ripple effects from the data provided.

Key Question #1: Can LDI sustain or expand its — operating margin and -27.9% ROIC against Finance: Consumer Services peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $2.88B and free cash flow of -$734.6M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is LDI's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

LDI Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for loanDepot Inc. (Class A) (LDI) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to LDI Debate Forum (3) ↓

🟢 CATALYST https://www.siam.in/ • 1d ago

loanDepot Inc. (LDI) Jumps 8.53% to $0.57 as Volume Builds Above $0.54 Support - Weekly Profile

https://www.siam.in/ report covering loanDepot Inc. (Class A) (LDI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST ad-hoc-news.de • 1d ago

Zacks upgraded loanDepot stock to Hold at a USD 1.92 target