NYSE$LDI

Loandepot Inc -Class A · Q4 2025 earnings

Q4 2025 earnings · · After market close

Briefing

LDI reported Q4 2025, revenue of $310.3M, net loss of $32.8M, diluted EPS of $-0.10.

For Q4 2025, LDI reported revenue of $310.3M, a net loss of $32.8M, diluted EPS was $-0.10. Management discusses segment performance, capital allocation, and macro risks in the quarterly filing.

  • Revenue $310.3M.
  • Net loss $32.8M.
  • Diluted EPS $-0.10.

Headline financials

Total Revenue

$310M

No prior period
EPS (adj)

-$0.10

No prior period
Loan Origination Volume

$8.04B

No prior period
Pull-through GOS Margin

3.2%

No prior period
Market Share

1.4%

No prior period
Consumer Recapture Rate

71.0%

No prior period
Adjusted EBITDA

$29.3M

No prior period
Net Income

-$32.8M

No prior period
Operating Income

-$31.8M

No prior period

Revenue & EPS history

Loandepot · Revenue · Quarterly

$310M

Q4 2025
Beat estimate in 0 of 1 quarters(0%)
ActualEstimate

Forward guidance

Q1 2026 origination volume $6.75B–$7.75B; gain-on-sale margin 270–300 bps.

Tailwinds

  • Q4 origination volume highest since 2022.
  • FY25 adjusted EBITDA +46%.

Headwinds

  • Q4 net loss $33M on margin compression.
  • Cash down on inventory and debt paydown.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 16 quarterly earnings reports · overlaid with Q4 2025

Historical avgQ4 2025

-0.8%

Avg return

Earnings day

-4.4%

Avg return

5 days after

-4.7%

Avg return

30 days after

25%

4 / 16 earnings

Positive

+2.5%

Q1 2023

Best reaction

-6.9%

Q4 2025

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-1.3%-7.3%-17.9%
Q4 2025-6.9%-17.0%-27.1%
Q3 2025-6.1%-4.7%-8.1%
Q1 2025+0.0%+21.8%-6.7%
Q3 2024+1.5%-10.0%-20.4%
Q2 2024+0.0%-7.3%+18.2%
Q1 2024+0.0%-6.2%-19.7%
Q3 2023+0.0%-12.2%-31.4%
Q2 2023+2.4%-3.9%+17.9%
Q1 2023+2.5%-5.1%+16.6%
Q3 2022-1.5%+1.5%+32.1%
Q2 2022-0.7%-4.1%+22.8%
Q1 2022-2.6%-9.6%-28.4%
Q3 2021-0.9%-7.8%-4.0%
Q2 2021-0.9%-5.0%-20.0%
Q1 2021+2.0%+6.6%+1.5%

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