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loanDepotLDI +0.50%44 Debt-to-Equity is 24.94 as of Mar. 2026, which is 73% above its 10-year median of 14.40. GuruFocus rates LDI with a GF Score™ of 44/100 and a GF Value™ of $2.58 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,422 Banks companies, loanDepot ranks worse than 99.44% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for loanDepot's Debt-to-Equity or its related term are showing as below:
LDI'
s Debt-to-Equity Range Over the Past 10 Years
Min: 9.77 Med: 14.4 Max: 24.94
Current: 24.94
During the past 10 years, the highest Debt-to-Equity Ratio of loanDepot was 24.94. The lowest was 9.77. And the median was 14.40.
LDI's Debt-to-Equity is ranked worse than 99.44% of 1422
companies
in the Banks industry
Industry Median: 0.57
vs LDI: 24.94
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
loanDepot Debt-to-Equity Related Terms
loanDepot Debt-to-Equity Historical Data
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The historical data trend for loanDepot's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Mortgage Finance subindustry, loanDepot's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
loanDepot Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, loanDepot's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where loanDepot's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
loanDepot (LDI) has a Debt-to-Equity of 24.94 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on loanDepot and its competitors. This is 73% above median its historical median of 14.40. Over the past decade, loanDepot's Debt-to-Equity has ranged from 9.77 to 24.94. According to the industry distribution chart, loanDepot ranks #1414 out of 1422 companies in the Banks industry, placing it in the top 99.4%.
Is loanDepot's Debt-to-Equity too high?
loanDepot's current Debt-to-Equity of 24.94 is 73% above median its 10-year median of 14.40. Over the past 10 years, this metric has ranged from a low of 9.77 to a high of 24.94. The Banks industry median Debt-to-Equity is 0.57. loanDepot's value of 24.94 is 4275.4% above this industry median. Based on the distribution chart, loanDepot ranks #1414 out of 1422 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, loanDepot has a GF Score™ of 44/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does loanDepot's Debt-to-Equity compare to UWMC and VEL?
According to the Banks industry distribution chart, loanDepot ranks #1414 out of 1422 companies for Debt-to-Equity. This places loanDepot in the lower half of its industry. The industry median Debt-to-Equity is 0.57. loanDepot's value of 24.94 is 4275.4% above this benchmark. Historically, loanDepot's own Debt-to-Equity has ranged from 9.77 to 24.94 over the past decade. While the company's 10-year median is 14.40 vs. the industry median of 0.57, loanDepot has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. loanDepot's current Debt-to-Equity of 24.94 is 4275.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on loanDepot and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. loanDepot's current Debt-to-Equity is 24.94, which is 73% above median its own 10-year median of 14.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is loanDepot stock overvalued right now?
Based on GuruFocus' analysis, loanDepot (LDI) is currently considered Significantly Undervalued. The stock's GF Value™ is $2.58, compared to a current price of $1.02 — trading 60.7% below its estimated fair value. The current Debt-to-Equity is 24.94, which is 73% above median its 10-year median of 14.40 and 4275.4% above the Banks industry median of 0.57. loanDepot's overall GF Score™ is 44/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For loanDepot (LDI), the current Debt-to-Equity is 24.94 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is loanDepot (LDI) Overvalued in 2026?
Based on GuruFocus' analysis, loanDepot stock appears to be undervalued.
The current stock price of $1.02 is trading 60.7% below its estimated GF Value™ of $2.58.
GuruFocus considers loanDepot to be Significantly Undervalued.
Key valuation signals for LDI:
Debt-to-Equity: 24.94 (73% above median its 10-year median of 14.40)
GF Value™: $2.58 vs. price of $1.02 (60.7% below fair value)
Industry Position: 4275.4% above the Banks median (#1414 of 1422)
No single metric tells the full story. See the LDI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
loanDepot Inc provides nonbank consumer lending solutions for individuals in the United States. It offers personal, residential home, home refinancing, mortgage and home equity loans. It serves customers through distribution channels, including consumer direct centres, retail branches, wholesale centres, and consumer finance and servicing centres in the United States. It competes with commercial banks and financial institutions.
44GF Score
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