Options positioning is call-heavy (very low OI put/call), but that hasn’t translated into bullish price action; near-term probabilities also skew slightly negative (week/month).
With the next major catalyst (earnings) not until 2026-03-02, there’s no clear near-term trigger supporting an impatient “buy now” entry.
Technical Analysis
Trend/momentum: Bearish. MACD histogram is negative (-0.0612) and expanding lower, signaling worsening downside momentum.
RSI: ~24 (RSI_6=23.99) suggests the stock is oversold, but oversold conditions can persist when MACD is still weakening.
Levels: Pre-market 2.08 is below S1 (2.153), increasing risk of continuation toward S2 (1.967). Upside levels to reclaim: S1 (2.15) first, then Pivot (2.455).
Moving averages: Converging MAs indicate compression/indecision, but current momentum favors downside until support is reclaimed.
Options Data
Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio
Sentiment/positioning: Open interest put/call at 0.09 is extremely call-skewed (bullish positioning/hedging imbalance).
Activity: Today’s options volume is elevated vs 30-day average (~24.43x), implying heightened attention.
Volatility: IV (30d) ~118.2 vs HV ~97.7, with IV percentile ~61.6—options are pricing large moves and remain relatively expensive.
Volume skew: Put/call volume ratio 0.56 shows meaningful put demand intraday despite call-heavy OI, consistent with caution/hedging into weakness.
Technical Summary
Sell
7
Buy
8
Positive Catalysts
can support a short-term bounce if price reclaims ~2.15 and holds.
Neutral/Negative Catalysts
pre-market, and MACD is still deteriorating—bearish continuation risk toward ~1.
No positive news flow in the last week; no clear near-term catalyst to force a rerating.
Financial Performance
Latest reported quarter: 2025/Q3.
Revenue: $404.23M, down -8.07% YoY (top-line contraction).
Net income: -$4.88M, worsened materially YoY (down -456.61% YoY).
EPS: -0.02, essentially flat YoY in magnitude (still loss-making).
Gross margin: 85.44%, slightly down (-0.37% YoY). Overall: weak growth trend and profitability still pressured.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
Recent change: 2026-01-06 Goldman Sachs lowered price target to $2.40 from $3.00 and reiterated Sell.
Wall Street pro view (from provided data):
Pros: macro/industry improvement could eventually support multi-year fundamental progress (per GS commentary).
Cons: current rating is Sell with reduced PT; near-term setup lacks supportive catalysts and the stock is still operating with pressured earnings quality.
Wall Street analysts forecast LDI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for LDI is 2.38 USD with a low forecast of 1.75 USD and a high forecast of 3 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
Wall Street analysts forecast LDI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for LDI is 2.38 USD with a low forecast of 1.75 USD and a high forecast of 3 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
0 Buy
1 Hold
2 Sell
Moderate Sell
Current: 2.050
Low
1.75
Averages
2.38
High
3
Current: 2.050
Low
1.75
Averages
2.38
High
3
Goldman Sachs
Sell
downgrade
$3
AI Analysis
2026-01-06
Reason
Goldman Sachs
Price Target
$3
AI Analysis
2026-01-06
downgrade
Sell
Reason
Goldman Sachs lowered the firm's price target on LoanDepot to $2.40 from $3 and keeps a Sell rating on the shares. Regional banks underperformed the market by 200-300 basis points in 2025, weighed by macro concerns and credit worries, though stocks rallied 13% late in the year, the analyst tells investors in a research note. Looking to 2026, solid loan growth, net interest income momentum, positive operating leverage, and improving returns support continued multi-year fundamental improvement, with credit risk as the main wildcard, Goldman says.
Goldman Sachs
NULL -> Sell
downgrade
$3
2025-10-29
Reason
Goldman Sachs
Price Target
$3
2025-10-29
downgrade
NULL -> Sell
Reason
Goldman Sachs raised the firm's price target on LoanDepot to $3 from $1.45 and keeps a Sell rating on the shares.
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