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loanDepot cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow$510M in Q2 2026 · −$282M over twelve months

Operating cash flow$520M
Capital spending−$9.4M
Free cash flow+$510M

Analysis

In Q2 2026, loanDepot generated $520M of operating cash flow and spent $9.4M on capital projects, leaving free cash flow of $510M. That is $446M more than in Q2 2025 ($64.4M).

Over the twelve months to Jun 30, 2026, operating cash flow was −$251M; the largest uses were operating cash flow ($251M), capital spending ($31.4M), partners ($9.5M); besides operations, cash came from net borrowing (+) / repaid (−) ($83.2M), other investing ($32.4M); the cash balance fell by $178M.

Operating cash flow was $520M against net income of −$6.6M. The largest differences: other operating capital −$36.4M, depreciation & amortization +$5.9M, stock-based pay +$5.3M.

Free cash flow

loanDepot: free cash flow by quarterloanDepot: free cash flow by quarter−$356MQ3 2024$40.8MQ4 2024−$184MQ1 2025$64.4MQ2 2025$32.6MQ3 2025−$648MQ4 2025−$177MQ1 2026$510MQ2 2026
Operating cash flow less capital spending.
loanDepot: operating cash flow against capital spendingloanDepot: operating cash flow against capital spendingOperating cash flowCapital spending−$349M$7.3MQ3 2024$47.7M$6.9MQ4 2024−$177M$6.8MQ1 2025$70.6M$6.2MQ2 2025$37.3M$4.7MQ3 2025−$639M$9.3MQ4 2025−$169M$7.8MQ1 2026$520M$9.4MQ2 2026
Latest (Q2 2026): Operating cash flow $520M, Capital spending $9.4M.

Capital allocation, year by year

loanDepot: where the cash came from (up) and went (down), by fiscal yearloanDepot: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingDividendsFY2021: Operating cash flow −$1.5BFY2021: Net borrowing $1.8BFY2021: Capital spending −$54.1MFY2021: Dividends −$463M$1.8BFY2021FY2022: Operating cash flow $4.5BFY2022: Net borrowing −$4.6BFY2022: Capital spending −$43.2MFY2022: Dividends −$119M$4.5BFY2022FY2023: Operating cash flow −$174MFY2023: Net borrowing −$215MFY2023: Capital spending −$20.6MFY2023: Dividends −$3.0MFY2023FY2024: Operating cash flow −$858MFY2024: Net borrowing $172MFY2024: Capital spending −$26.4MFY2024: Dividends −$3.3M$172MFY2024FY2025: Operating cash flow −$708MFY2025: Net borrowing $589MFY2025: Shares issued $5.9MFY2025: Capital spending −$27.1MFY2025: Dividends −$2.5M$595MFY2025
Over these 5 years operating cash flow totalled $1.3B; the largest uses were net borrowing ($4.9B) and operating cash flow ($3.2B). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$229M
Debt$2.1B
Net debt$1.9B
Cash runway10 months

loanDepot is burning cash: its operations consume cash, a free cash flow of −$282M a year at the current rate against $229M of cash and investments: a runway of about 10 months before any new financing.

Where the cash came from and went

loanDepot: sources (+) and uses (−) of cash, Q2 2026loanDepot: sources (+) and uses (−) of cash, Q2 2026Net borrowing (+) / repaid (−)−$567MOperating cash flow$520MCash drawn (+) / kept (−)$57.3MCapital spending−$9.4MOther investing$6.1MOther financing−$4.6MPartners−$2.4M
loanDepot: sources (+) and uses (−) of cash, TTM to Q2 2026loanDepot: sources (+) and uses (−) of cash, TTM to Q2 2026Operating cash flow−$251MCash drawn (+) / kept (−)$178MNet borrowing (+) / repaid (−)$83.2MOther investing$32.4MCapital spending−$31.4MPartners−$9.5MOther financing−$8.9MShares issued$7.0M

From profit to cash

loanDepot: net income to operating cash flow, Q2 2026loanDepot: net income to operating cash flow, Q2 2026Net income−$6.6MDepreciation & amortization$5.9MStock-based pay$5.3MOther operating capital−$36.4MOperating cash flow$520M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q2 2026$520M−$9.4M—−$567M—$57.3M$510M
Q1 2026−$169M−$7.8M—$129M$1.0M$43.8M−$177M
Q4 2025−$639M−$9.3M$687K$526M$236K$125M−$648M
Q3 2025$37.3M−$4.7M$5K−$5.2M$5.7M−$47.8M$32.6M
Q2 2025$70.6M−$6.2M−$1.1M−$35.9M—−$32.4M$64.4M
Q1 2025−$177M−$6.8M−$2.1M$104M—$81.5M−$184M
Q4 2024$47.7M−$6.9M−$436K−$124M—$51.4M$40.8M
Q3 2024−$349M−$7.3M−$1.5M$329M—$52.6M−$356M

loanDepot: income statement and cash flow

loanDepot, Q2 2026: revenue $337M (+19% year over year), operating margin -2.0%. The chart follows the revenue to costs, profit and cash.

loanDepot: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.