loanDepot, Inc. (LDI)
NYSE:LDI
Want to see LDI full AI Analyst Report?
Earnings Data
Report Date
Aug 11, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.01Last Year’s EPS
-0.07Same Quarter Last Year
Moderate Sell
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call communicated clear operational progress — including ramped hiring, wholesale reopening, a strategic partnership with Figure, the launch of the fast-turn 5x5 HomeLoan, and efficiency gains (marketing -12%, expense control) — that position the company for improved margins and faster funding cycles. However, near-term financials remain under pressure: adjusted net loss widened to $34M, revenue fell ~5.4%, gain-on-sale margins compressed to 271 bps (down 53 bps), origination volume was modestly down, servicing revenue was pressured, and cash decreased by $60M. Management provided constructive Q2 guidance (gain-on-sale margin 330–360 bps and higher origination guidance) and emphasized automation and hedging to manage volatility. Overall, operational momentum is strong but the financial headwinds this quarter balance those positives.Company Guidance
Rebuild and Sales Capacity Expansion
Added over 100 new loan officers across direct and retail channels, reopened the wholesale channel, and reported a market share increase in closed loan volume, positioning the company for scalable origination growth.
Figure Partnership and 5x5 HomeLoan Launch
Integrated Figure's credit and underwriting engine into loanDepot's mello platform; launched the 5x5 HomeLoan (approval in as little as 5 minutes, funding in as few as 5 days). Management expects this HELOC product to lower cost of production, improve speed, and be a consistent contributor to earnings.
Pull-Through Weighted Rate Lock Volume Growth
Pull-through weighted rate lock volume was $8.3 billion, up 14% sequentially from $7.3 billion and within prior guidance of $7.75B–$8.75B.
Improved Marketing Efficiency and Expense Control
Marketing expenses were reduced by 12% quarter-over-quarter, driving higher return on marketing; total expenses decreased by $565,000 sequentially despite guidance expecting higher expenses.
Higher Recapture Rate
Recapture rate improved to 73% from 71% in the prior quarter (+2 percentage points), supporting servicing franchise quality and future cross-sell potential.
Constructive Q2 Guidance for Margin and Origination
Company guided Q2 pull-through weighted gain on sale margin of 330–360 basis points (up from 271 bps in Q1) and origination volume of $7.25B–$9.25B, reflecting expected benefit from 5x5 HomeLoan mix and product ramp.
LDI Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
LDI Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 05, 2026 | $1.49 | $1.40 | -6.04% |
Mar 10, 2026 | $1.88 | $1.75 | -6.91% |
Nov 06, 2025 | $2.65 | $2.75 | +3.77% |
Aug 07, 2025 | $1.74 | $1.73 | -0.57% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does loanDepot, Inc. (LDI) report earnings?
loanDepot, Inc. (LDI) is schdueled to report earning on Aug 11, 2026, Before Open (Confirmed).
What is loanDepot, Inc. (LDI) earnings time?
loanDepot, Inc. (LDI) earnings time is at Aug 11, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is LDI EPS forecast?
LDI EPS forecast for the fiscal quarter 2026 (Q2) is 0.01.