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loanDepot, Inc. (LDI)
NYSE:LDI
Earnings Data
Report Date
May 12, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
-0.02Last Year’s EPS
-0.08Same Quarter Last Year
Moderate Sell
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call presented a mix of clear operational progress and near-term financial pressures. Positives include strong sequential origination growth (Q4 originations +23% q/q), pull-through lock volume growth (+4% q/q), a 71% servicing recapture rate, full-year 2025 adjusted revenue up 10% YoY, and a 31% YoY reduction in adjusted net loss driven by revenue growth and tight expense control. Management highlighted successful early AI/digital initiatives and provided constructive Q1 guidance. Offsetting these gains, Q4 showed a wider adjusted net loss vs. Q3, a modest q/q revenue decline, gain-on-sale margin compression (down 15 bps q/q), higher MSR amortization and growing personnel costs, along with a $122 million q/q cash draw. Management emphasized investments for scale and profitability but acknowledged near-term margin and expense headwinds. Overall, the operational and strategic improvements are meaningful but balanced by short-term profitability and margin challenges.Company Guidance
Highest Quarterly Originations Since 2022
Loan origination volume of $8.0 billion in Q4, a 23% increase from the prior quarter's $6.5 billion and within prior guidance of $6.5B–$8.5B.
Pull-Through Weighted Lock Volume Growth
Pull-through weighted lock volume of $7.3 billion in Q4, up 4% from $7.0 billion in Q3 and within prior guidance of $6B–$8B.
Gain on Sale Margin at High End of Guidance
Pull-through weighted gain on sale margin of 324 basis points in Q4, at the high end of guidance (300–325 bps).
Strong Servicing Recapture
In-house servicing platform recapture rate of 71%, indicating strong customer retention from servicing.
Full-Year Revenue Growth and Expense Control
For full-year 2025, adjusted revenue increased 10% year-over-year while total expenses grew by less than 1%, contributing to a 31% reduction in adjusted net loss year-over-year.
Servicing Income Growth
Servicing fee income increased modestly from $112 million in Q3 to $113 million in Q4, reflecting growth in unpaid principal balances.
Investments in Digital/AI and Operating Efficiency
Management reported early positive impacts from AI and digital initiatives on lead acquisition, conversion, underwriting and reduced volume-related marketing costs despite higher volumes.
Solid Liquidity and Strategic Uses of Cash
Ending cash balance of $337 million at quarter-end; use of cash (-$122 million q/q) primarily attributed to loan inventory investment and full repayment of 2025 unsecured notes.
Positive Outlook and Forward Guidance
Q1 guidance: pull-through weighted lock volume $7.75B–$8.75B, origination volume $6.75B–$7.75B, and gain on sale margin 270–300 bps, indicating expectations for continued scale and activity.
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 |
|---|---|---|---|
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% |
May 06, 2025 | $1.02 | $1.13 | +10.78% |
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 May 12, 2026, Before Open (Confirmed).
What is loanDepot, Inc. (LDI) earnings time?
loanDepot, Inc. (LDI) earnings time is at May 12, 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 (Q1) is -0.02.