LDI (loanDepot) Shiller PE Ratio: (As of Sep. 21, 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LDI loanDepot Inc LDI
43 GF Score
Price $0.70
GF Value $2.10
Valuation Significantly Undervalued
! 4 Warning Signs
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What is loanDepot Shiller PE Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


loanDepot  (NYSE:LDI) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


loanDepot Shiller PE Ratio Related Terms


loanDepot Shiller PE Ratio Historical Data

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The historical data trend for loanDepot's Shiller PE Ratio 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.

loanDepot Shiller PE Ratio Chart

loanDepot Annual Data
Trend Dec14 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Shiller PE Ratio
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loanDepot Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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LDI vs VEL, ONIT, BETR: Shiller PE Ratio Comparison

For the Mortgage Finance subindustry, loanDepot's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, loanDepot's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where loanDepot's Shiller PE Ratio falls into.


LDI
43GF Score
loanDepot Inc LDI
Shiller PE Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

loanDepot Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

loanDepot's E10 for the fiscal year that ended in Dec25 is calculated as:

For example, loanDepot's adjusted earnings per share data for the fiscal year that ended in Dec25 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of Dec25 (Change)*Current CPI (Dec25)
=-0.2969/324.0540*324.0540
=-0.297

Current CPI (Dec25) = 324.0540.

loanDepot Annual Data

Earnings per Share (Diluted) CPI Adj_EPS
201412 0.147 234.812 0.202
201712 0.165 246.524 0.217
201812 -0.874 251.233 -1.127
201912 0.000 256.974 0.000
202012 0.000 260.474 0.000
202112 0.827 278.802 0.961
202212 -1.750 296.797 -1.910
202312 -0.630 306.746 -0.665
202412 -0.530 315.605 -0.544
202512 -0.297 324.054 -0.297

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is loanDepot (LDI) Overvalued in 2026?

Based on GuruFocus' analysis, loanDepot stock appears to be undervalued. The current stock price of $0.70 is trading 66.8% below its estimated GF Value™ of $2.10. GuruFocus considers loanDepot to be Significantly Undervalued.

Key valuation signals for LDI:

  • Shiller PE Ratio:
  • GF Value™: $2.10 vs. price of $0.70 (66.8% below fair value)
  • GF Score™: 43/100 with 4 warning signs

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 Business Description

Other Exchanges LDD:Germany
Address 6561 Irvine Center Drive, Irvine, CA, USA, 92618
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.
43GF Score

Get the complete analysis for LDI

Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.70
Price
$2.10
GF Value