| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net loss | -74,704 | -65,969 |
| Depreciation and amortization expense | 20,774 | 14,045 |
| Amortization of operating lease right-of-use asset | 7,955 | 5,536 |
| Amortization of debt discount and debt issuance costs | 18,739 | 12,104 |
| Gain on origination and sale of loans | 528,426 | 333,867 |
| Fair value change in trading securities | 3,113 | 1,709 |
| Provision (benefit) for loss obligation on sold loans and servicing rights | 6,843 | 4,149 |
| Deferred tax benefit | 29,993 | 22,166 |
| Fair value change in derivative assets | 9,794 | 7,469 |
| Fair value change in derivative liabilities | 12,974 | 5,959 |
| Fair value change in loans held for sale | -36,051 | -29,438 |
| Fair value change in loans held for investment | 3,831 | 1,076 |
| Fair value change in servicing rights | 158,562 | 102,445 |
| Stock-based compensation expense | 7,060 | 3,460 |
| Originations of loans | 18,021,887 | 11,623,880 |
| Proceeds from sales of loans | 19,079,417 | 12,302,996 |
| Proceeds from principal payments | 52,734 | 35,356 |
| Payments to investors for loan repurchases | 748,062 | 497,643 |
| Premiums (paid) received on derivatives | -19,987 | -32,921 |
| Loss on extinguishment of debt | 0 | 0 |
| Disbursements from joint ventures | 3,455 | 1,791 |
| Other changes in operating assets and liabilities | -44,845 | -13,014 |
| Net cash used in operating activities | -68,850 | -112,263 |
| Purchase of property and equipment | 17,761 | 13,030 |
| Proceeds from sale of servicing rights | 27,087 | 15,480 |
| Cash flows received on trading securities | 4,599 | 3,104 |
| Investments in joint ventures | 150 | 150 |
| Proceeds from principal payments on loans held for investment | 9,117 | 6,113 |
| Return of capital from joint ventures | 0 | 0 |
| Net cash flows provided by investing activities | 22,892 | 11,517 |
| Proceeds from borrowings on warehouse and other lines of credit | 15,859,614 | 10,105,668 |
| Repayment of borrowings on warehouse and other lines of credit | 15,854,036 | 10,071,379 |
| Proceeds from debt obligations | 1,026,974 | 855,725 |
| Payments on debt obligations | 969,263 | 821,570 |
| Payments of debt issuance costs | 12,577 | 11,412 |
| Treasury stock purchased to net settle and withhold taxes on vested shares | 8,640 | 2,248 |
| Exercise of stock options | 5,690 | - |
| Dividends and shareholder distributions | 3,153 | 3,158 |
| Net cash provided by financing activities | 44,609 | 51,626 |
| Net change in cash and cash equivalents and restricted cash | -1,349 | -49,120 |
| Cash and cash equivalents at beginning of period | 527,221 | - |
| Cash and cash equivalents at end of period | 525,872 | - |
loanDepot, Inc. (LDI)
loanDepot, Inc. (LDI)