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loanDepot (LDI) guidance and outlook
loanDepot's 10-Q filed Nov 9, 2026 makes 8 forward-looking statements.
Guidance and outlook
Forward-looking statements, 10-Q filed Nov 9, 2026
- We informed the NYSE that we intend to cure the deficiency and will consider available alternatives to cure the stock price non-compliance, including, if necessary, a reverse stock split that would be subject to stockholder approval no later than at loanDepot’s next annual meeting of stockholders anticipated for early June 2027.
- Rising interest rates cause our expected mortgage loan servicing revenues to increase due to a decline in mortgage loan prepayments which extends the average life of our servicing portfolio and increases the value of our servicing rights.
- We forecast the need to have adequate liquid funds available to operate and grow our business.
- At this time, we currently believe that our cash on hand, as well as the sources of liquidity described above, will be sufficient to maintain our current loan operations, originations and capital commitments for the next twelve months assuming we are able to refinance the 2027 Senior Notes due in November 2027.
- However, we will continue to review our liquidity needs in light of current and anticipated mortgage market conditions and we are taking various steps to align our cost structure with current and expected mortgage origination volumes.
- We utilize both committed and uncommitted loan funding facilities and we evaluate our needs under these facilities based on forecasted volume of loan originations and sales.
- Any refinancing, even on then-prevailing market terms, is expected to require some combination of higher interest rates, more restrictive covenants, additional collateral, reduced principal amounts, exchange offers, debt repurchases, asset sales, equity issuances and/or other transactions or terms that could increase our debt service obligations, reduce our liquidity, dilute existing stockholders or further…
- Because of these limitations, Adjusted Total Revenue, Adjusted Net Loss, Adjusted Diluted Weighted Average Shares Outstanding, and Adjusted EBITDA are not intended as alternatives to total revenue, net loss, net loss attributable to the Company, or as an indicator of our operating performance and should not be considered as measures of discretionary cash available to us to invest in the growth of our business or…
loanDepot's latest quarter
loanDepot, Q3 2026: revenue $307M (-5% year over year), operating margin -9.3%, net loss $28.7M, operating cash flow $601M. The chart follows the revenue to costs, profit and cash.
Questions
What does loanDepot expect?
We informed the NYSE that we intend to cure the deficiency and will consider available alternatives to cure the stock price non-compliance, including, if necessary, a reverse stock split that would be subject to stockholder approval no later than at loanDepot’s next annual meeting of stockholders anticipated for early June 2027. Rising interest rates cause our expected mortgage loan servicing revenues to increase due to a decline in mortgage loan prepayments which extends the average life of our servicing portfolio and increases the value of our servicing rights. We forecast the need to have a
Updated Nov 9, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.