loanDepotLDI -1.75%44 5-Year Yield-on-Cost % is 0.00 as of Jul. 11, 2026. GuruFocus rates LDI with a GF Score™ of 44/100 and a GF Value™ of $2.50 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,253 Banks companies, loanDepot ranks worse than 79808.38% on this metric.
loanDepot's yield on cost for the quarter that ended in Mar. 2026 was 0.00.
The historical rank and industry rank for loanDepot's 5-Year Yield-on-Cost % or its related term are showing as below:
During the past 10 years, loanDepot's highest Yield on Cost was 21.62. The lowest was 0.62. And the median was 5.54.
LDI's 5-Year Yield-on-Cost % is not ranked *
in the Banks industry.
Industry Median: 3.89 * Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
loanDepot 5-Year Yield-on-Cost % Related Terms
LDI vs VEL, UWMC, BETR: 5-Year Yield-on-Cost % Comparison
For the Mortgage Finance subindustry, loanDepot's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, loanDepot's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where loanDepot's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of loanDepot is calculated as
loanDepot (LDI) has a 5-Year Yield-on-Cost % of 0.00 as of Jul. 11, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on loanDepot and its competitors. Over the past decade, loanDepot's 5-Year Yield-on-Cost % has ranged from 0.62 to 21.62. According to the industry distribution chart, loanDepot ranks #999999 out of 1253 companies in the Banks industry.
Is loanDepot's 5-Year Yield-on-Cost % too high?
loanDepot's current 5-Year Yield-on-Cost % is 0.00. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 21.62. Based on the distribution chart, loanDepot ranks #999999 out of 1253 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 5-Year Yield-on-Cost % compare to VEL and UWMC?
According to the Banks industry distribution chart, loanDepot ranks #999999 out of 1253 companies for 5-Year Yield-on-Cost %. This places loanDepot in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.89. Historically, loanDepot's own 5-Year Yield-on-Cost % has ranged from 0.62 to 21.62 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.89, based on 1,253 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on loanDepot and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. loanDepot's current 5-Year Yield-on-Cost % is 0.00. 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 $2.50, compared to a current price of $1.12 — trading 55.2% below its estimated fair value. The current 5-Year Yield-on-Cost % is 0.00. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For loanDepot (LDI), the current 5-Year Yield-on-Cost % is 0.00 as of Jul. 11, 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 $1.12 is trading 55.2% below its estimated GF Value™ of $2.50.
GuruFocus considers loanDepot to be Significantly Undervalued.
Key valuation signals for LDI:
5-Year Yield-on-Cost %: 0.00
GF Value™: $2.50 vs. price of $1.12 (55.2% below fair value)
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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