As of June 4, 2025, Loandepot Inc has a Discounted Cash Flow (DCF) derived fair value of $0.00 per share. With the current market price at $1.20, this represents a potential upside of -335.6%.
| Key Metrics | Value |
|---|---|
| DCF Fair Value (5-year) | $0.00 |
| DCF Fair Value (10-year) | $0.00 |
| Potential Upside (5-year) | -375.5% |
| Potential Upside (10-year) | -335.6% |
| Discount Rate (WACC) | 5.1% - 18.5% |
Revenue is projected to grow from $1423 million in 12-2024 to $2117 million by 12-2034, representing a compound annual growth rate of approximately 4.1%.
| Fiscal Year | Revenue (USD millions) | Growth |
|---|---|---|
| 12-2024 | 1423 | 10% |
| 12-2025 | 1269 | -11% |
| 12-2026 | 1473 | 16% |
| 12-2027 | 1739 | 18% |
| 12-2028 | 1774 | 2% |
| 12-2029 | 1861 | 5% |
| 12-2030 | 1924 | 3% |
| 12-2031 | 1977 | 3% |
| 12-2032 | 2016 | 2% |
| 12-2033 | 2075 | 3% |
| 12-2034 | 2117 | 2% |
Net profit margin is expected to improve from -14% in 12-2024 to -11% by 12-2034, driven by operational efficiency and economies of scale.
| Fiscal Year | Net Profit (USD millions) | Profit Margin |
|---|---|---|
| 12-2024 | (202) | -14% |
| 12-2025 | (181) | -14% |
| 12-2026 | (198) | -13% |
| 12-2027 | (221) | -13% |
| 12-2028 | (213) | -12% |
| 12-2029 | (211) | -11% |
| 12-2030 | (215) | -11% |
| 12-2031 | (219) | -11% |
| 12-2032 | (220) | -11% |
| 12-2033 | (224) | -11% |
| 12-2034 | (226) | -11% |
with a 5-year average of $36 million. Projected CapEx is expected to maintain at approximately 2% of revenue.
Depreciation is based on an average useful life of 5 years for capital assets.
| Fiscal Year | D&A (USD millions) |
|---|---|
| 12-2025 | 33 |
| 12-2026 | 27 |
| 12-2027 | 24 |
| 12-2028 | 26 |
| 12-2029 | 26 |
| 12-2030 | 28 |
Net working capital is expected to increase gradually, with projected changes affecting free cash flow.
| Components | Average Days |
|---|---|
| Days Receivables | 11 |
| Days Inventory | 0 |
| Days Payables | 164 |
| Fiscal Year | EBITDA | Tax | CapEx | Change in NWC | FCF |
|---|---|---|---|---|---|
| 9M/2025 | 135 | (18) | 15 | 39 | 99 |
| 2026 | 212 | (26) | 24 | (35) | 249 |
| 2027 | 257 | (29) | 28 | (3) | 260 |
| 2028 | 277 | (28) | 29 | 11 | 265 |
| 2029 | 305 | (27) | 30 | (6) | 308 |
| Valuation Method | Fair Price (USD) | Potential Upside |
|---|---|---|
| 5-Year DCF (Growth) | 0.00 | -375.5% |
| 10-Year DCF (Growth) | 0.00 | -335.6% |
| 5-Year DCF (EBITDA) | 0.00 | -100.0% |
| 10-Year DCF (EBITDA) | 0.00 | -100.0% |
Is Loandepot Inc (LDI) a buy or a sell? Loandepot Inc is definitely a sell. Based on our DCF analysis, Loandepot Inc (LDI) appears to be overvalued with upside potential of -335.6%. The company's strong projected growth in revenue and profitability, coupled with consistent capital expenditure, supports our positive outlook on its intrinsic value.
Key investment drivers include:
Investors should consider reducing exposure at the current market price of $1.20.