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The historical data trend for loanDepot's OCF Margin % 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 OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, loanDepot's OCF Margin % distribution charts can be found below:
* The bar in red indicates where loanDepot's OCF Margin % 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 OCF Margin % of 198.85% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on loanDepot and its competitors. According to the industry distribution chart, loanDepot ranks #1243 out of 1499 companies in the Banks industry, placing it in the top 82.9%.
Is loanDepot's OCF Margin % too high?
loanDepot's current OCF Margin % is 198.85%. The Banks industry median OCF Margin % is 29.70. loanDepot's value of 198.85% is 569.5% above this industry median. Based on the distribution chart, loanDepot ranks #1243 out of 1499 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, loanDepot has a GF Score™ of 37/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does loanDepot's OCF Margin % compare to UWMC and VEL?
According to the Banks industry distribution chart, loanDepot ranks #1243 out of 1499 companies for OCF Margin %. This places loanDepot in the lower half of its industry. The industry median OCF Margin % is 29.70. loanDepot's value of 198.85% is 569.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.70, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. loanDepot's current OCF Margin % of 198.85% is 569.5% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on loanDepot and its competitors. For the Banks industry, the median OCF Margin % is 29.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. loanDepot's current OCF Margin % is 198.85%. 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 Possible Value Trap. The stock's GF Value™ is $2.45, compared to a current price of $0.88 — trading 64.1% below its estimated fair value. The current OCF Margin % is 198.85% and 569.5% above the Banks industry median of 29.70. loanDepot's overall GF Score™ is 37/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For loanDepot (LDI), the current OCF Margin % is 198.85% as of Jun. 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 $0.88 is trading 64.1% below its estimated GF Value™ of $2.45.
GuruFocus considers loanDepot to be Possible Value Trap.
Key valuation signals for LDI:
OCF Margin %: 198.85%
GF Value™: $2.45 vs. price of $0.88 (64.1% below fair value)
Industry Position: 569.5% above the Banks median (#1243 of 1499)
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.
37GF Score
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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