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loanDepot, Inc. (LDI)
loanDepot, Inc. (LDI)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Cash Flow Overview
Free Cash flow
$510,266K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Proceeds from sales of loans
Proceeds from borrowings on ware...
Proceeds from debt obligations
Others
Negative Cash Flow Breakdown
Repayment of borrowings on wareh...
Originations of loans
Payments to investors for loan r...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net loss
-6,622
-54,942
-32,826
-8,735
Depreciation and amortization expense
5,869
6,335
5,447
6,729
Amortization of operating lease right-of-use asset
2,633
2,481
17,651
2,419
Amortization of debt discount and debt issuance costs
7,297
7,231
-8,345
6,635
Gain on origination and sale of loans
197,399
179,992
212,986
194,559
Fair value change in trading securities
-139
-506
987
1,404
Provision for loss obligation on sold loans and servicing rights
3,509
3,719
2,502
2,694
Deferred tax expense (benefit)
-25
13
-23,130
7,827
Fair value change in derivative assets
35,834
-33,081
18,210
2,325
Fair value change in derivative liabilities
10,912
-6,535
1,368
7,015
Fair value change in loans held for sale
-15,345
28,770
5,663
-6,613
Fair value change in loans held for investment
949
72
615
2,755
Fair value change in servicing rights
13,450
51,882
54,414
56,117
Stock-based compensation expense
5,281
6,393
5,163
3,600
Originations of loans
7,870,445
7,571,294
7,894,242
6,398,007
Proceeds from sales of loans
8,801,663
7,757,461
7,674,706
6,776,421
Proceeds from principal payments on loans held for sale
27,868
14,544
11,268
17,378
Proceeds from principal payments on loans held for investment
2,908
1,666
11,252
-
Payments to investors for loan repurchases
224,443
240,865
229,296
250,419
Premiums paid on derivatives
-24,983
5,370
45,967
12,934
Gain on extinguishment of debt
1,170
-
0
0
Disbursements from joint ventures
1,906
496
1,663
1,664
Other changes in operating assets and liabilities
36,413
-17,521
83,071
-31,831
Net cash provided by (used in) operating activities
519,701
-169,349
-638,660
43,413
Purchase of property and equipment
9,435
7,849
9,339
4,731
Proceeds from sale of servicing rights
4,601
1,656
8,750
11,607
Cash flows received on trading securities
1,574
1,413
1,326
1,495
Investments in joint ventures
49
0
0
0
Proceeds from principal payments on loans held for investment
-
-
-
3,004
Return of capital from joint ventures
-
-
0
0
Net cash (used in) provided by investing activities
-3,309
-4,780
-8,380
11,375
Proceeds from borrowings on warehouse and other lines of credit
7,632,476
7,300,654
7,216,899
5,753,946
Repayment of borrowings on warehouse and other lines of credit
8,212,806
7,179,062
6,697,065
5,782,657
Proceeds from debt obligations
52,367
27,813
538,087
171,249
Payments on debt obligations
38,816
20,181
532,055
147,693
Payments of debt issuance costs
4,671
14
3,944
1,165
Treasury stock purchased to net settle and withhold taxes on vested shares
2,351
71
655
6,392
Exercise of stock options
0
1,040
236
5,690
Dividends and shareholder distributions
-
-
-687
-5
Refund (payment) of shareholder tax distributions and dividends, net
66
116
-
-
Net cash (used in) provided by financing activities
-573,735
130,295
522,190
-7,017
Net change in cash and cash equivalents and restricted cash
-57,343
-43,834
-124,850
47,771
Cash and cash equivalents and restricted cash at beginning of the period
357,188
401,022
525,872
527,221
Cash and cash equivalents and restricted cash at end of the period
299,845
-
-
-
Interest
147,891
-
-
-
Income taxes
-6,000
-
-
-
Operating leases right-of-use assets obtained in exchange for lease liabilities
7,188
-
-
-
Cash and cash equivalents
229,128
-
-
-
Restricted cash
70,717
-
-
-
Total cash and cash equivalents and restricted cash
299,845
357,188
401,022
525,872
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Proceeds from sales of
loans
$8,801,663K
(-28.46%↓ Y/Y)
Fair value change in
derivative assets
$35,834K
(379.77%↑ Y/Y)
Proceeds from principal
payments on loans held for...
$27,868K
(-21.18%↓ Y/Y)
Fair value change in
servicing rights
$13,450K
(-86.87%↓ Y/Y)
Amortization of debt discount
and debt issuance...
$7,297K
(-39.71%↓ Y/Y)
Depreciation and
amortization expense
$5,869K
(-58.21%↓ Y/Y)
Stock-based compensation
expense
$5,281K
(52.63%↑ Y/Y)
Provision for loss
obligation on sold loans and...
$3,509K
(-15.43%↓ Y/Y)
Proceeds from principal
payments on loans held for...
$2,908K
(-52.43%↓ Y/Y)
Amortization of operating
lease right-of-use...
$2,633K
(-52.44%↓ Y/Y)
Disbursements from joint
ventures
$1,906K
(6.42%↑ Y/Y)
Fair value change in
trading securities
-$139K
(-108.13%↓ Y/Y)
Deferred tax expense
(benefit)
-$25K
(-100.11%↓ Y/Y)
Net cash provided by
(used in) operating...
$519,701K
(562.93%↑ Y/Y)
Canceled cashflow
$8,388,681K
Net change in cash
and cash...
-$57,343K
(-16.74%↓ Y/Y)
Canceled cashflow
$519,701K
Proceeds from borrowings
on warehouse and...
$7,632,476K
(-24.47%↓ Y/Y)
Proceeds from debt
obligations
$52,367K
(-93.88%↓ Y/Y)
Refund (payment) of
shareholder tax...
$66K
Proceeds from sale of
servicing rights
$4,601K
(-70.28%↓ Y/Y)
Cash flows received
on trading...
$1,574K
(-49.29%↓ Y/Y)
Originations of loans
$7,870,445K
(-32.29%↓ Y/Y)
Payments to investors for
loan repurchases
$224,443K
(-54.90%↓ Y/Y)
Gain on origination
and sale of loans
$197,399K
(-40.87%↓ Y/Y)
Other changes in
operating assets and...
$36,413K
(379.80%↑ Y/Y)
Premiums paid on
derivatives
-$24,983K
(24.11%↑ Y/Y)
Fair value change in
loans held for sale
-$15,345K
(47.87%↑ Y/Y)
Fair value change in
derivative liabilities
$10,912K
(83.12%↑ Y/Y)
Net loss
-$6,622K
(89.96%↑ Y/Y)
Gain on
extinguishment of debt
$1,170K
Fair value change in
loans held for...
$949K
(-11.80%↓ Y/Y)
Net cash (used in)
provided by financing...
-$573,735K
(-1211.33%↓ Y/Y)
Canceled cashflow
$7,684,909K
Net cash (used in)
provided by investing...
-$3,309K
(-128.73%↓ Y/Y)
Canceled cashflow
$6,175K
Repayment of borrowings on
warehouse and other lines...
$8,212,806K
(-18.45%↓ Y/Y)
Payments on debt
obligations
$38,816K
(-95.28%↓ Y/Y)
Payments of debt issuance
costs
$4,671K
(-59.07%↓ Y/Y)
Treasury stock purchased
to net settle and...
$2,351K
(4.58%↑ Y/Y)
Purchase of property and
equipment
$9,435K
(-27.59%↓ Y/Y)
Investments in joint
ventures
$49K
(-67.33%↓ Y/Y)
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