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LDI

loanDepot·NYSE
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LDI fundamentals

loanDepot (LDI) released its earnings on Mar 10, 2026: revenue was 310.26M (YoY +20.51%), missed estimates; EPS was -0.0639 (YoY -139.76%), missed estimates.
Revenue / YoY
310.26M
+20.51%
EPS / YoY
-0.0639
-139.76%
Report date
Mar 10, 2026
LDI Earnings Call Summary for Q4,2025
  • Revenue milestone: Q4 origination volume ($8.0B) highest since 2022, driven by 71% recapture rate and digital channel growth.
  • AI-driven efficiency: Direct lending AI initiatives reduce cost per customer acquisition, with early volume gains.
  • Financial recovery: Adjusted net loss shrinking 31% YoY to $21M, despite near-term margin pressure from refinance mix.
  • Strategic move: Re-entering wholesale lending to scale operations and capitalize on refinance market recovery.
  • Recapture leadership: 71% recapture rate reflects superior customer lifecycle management and brand loyalty.
EPS
Q4,2020
Q1,2021
Q2,2021
Q3,2021
Q4,2021
Q1,2022
Q2,2022
Q3,2022
Q4,2022
Q1,2023
Q2,2023
Q3,2023
Q4,2023
Q1,2024
Q2,2024
Q3,2024
Q4,2024
Q1,2025
Q2,2025
Q3,2025
Q4,2025
Actual
1.160.980.180.460.09-0.26-0.4846-0.3661-0.3471-0.1883-0.112-0.0671-0.0817-0.2019-0.09050.02720.1607-0.0782-0.0726-0.0104-0.0639
Forecast
0.56640.52410.38670.16360.0162-0.2116-0.269-0.2653-0.2275-0.1321-0.08-0.0722-0.0569-0.0878-0.0415-0.0029-0.067-0.0347-0.022-0.02
Surprise
0.00%
+73.02%
-65.66%
+18.96%
-44.99%
-1704.94%
-129.02%
-36.10%
-30.83%
+17.23%
+15.22%
+16.13%
-13.16%
-254.83%
-3.08%
+165.54%
+5641.38%
-16.72%
-109.22%
+52.73%
-219.50%
Revenue
Q4,2020
Q1,2021
Q2,2021
Q3,2021
Q4,2021
Q1,2022
Q2,2022
Q3,2022
Q4,2022
Q1,2023
Q2,2023
Q3,2023
Q4,2023
Q1,2024
Q2,2024
Q3,2024
Q4,2024
Q1,2025
Q2,2025
Q3,2025
Q4,2025
Actual
1.30B1.32B825.33M923.76M705.03M503.31M308.64M274.19M169.66M207.90M271.83M265.66M228.63M222.78M265.39M314.60M257.46M273.62M282.54M323.32M310.26M
Forecast
--1.01B946.67M888.73M711.35M591.09M373.13M247.75M190.86M174.14M261.55M268.82M236.76M231.57M264.03M276.06M310.09M274.96M315.79M312.94M335.45M
Surprise
0.00%
+30.38%
-12.82%
+3.94%
-0.89%
-14.85%
-17.28%
+10.67%
-11.11%
+19.39%
+3.93%
-1.17%
-3.43%
-3.79%
+0.51%
+13.96%
-16.97%
-0.49%
-10.53%
+3.32%
-7.51%

Earnings Call