LADRHIGH SIGNALFINANCIAL10-K

LADR experienced a catastrophic 97% decline in cash and equivalents from $1.3B to $38M, coupled with deteriorating profitability metrics.

The near-complete depletion of cash reserves raises immediate liquidity concerns and suggests potential operational stress or major capital deployment that wasn't offset by corresponding asset growth. Combined with declining net interest income and rising interest expenses, this indicates significant financial pressure that could constrain the company's ability to fund operations and growth initiatives.

Comparing 2026-02-09 vs 2025-02-10View on EDGAR →
FINANCIAL ANALYSIS

LADR's financial position deteriorated significantly with cash plummeting 97% to just $38M while liabilities increased 11% to $3.7B, creating a concerning liquidity squeeze. Operating performance weakened as net interest income fell 26% while interest expenses rose 25%, compressing margins and reducing operating cash flow by 35%. Despite these pressures, the company increased share buybacks by 80%, which may have contributed to the cash depletion and signals potentially misaligned capital allocation priorities given the financial stress.

FINANCIAL STATEMENT CHANGES
Cash & Equivalents
Balance Sheet
-97.1%
$1.3B$38.0M

Cash declined 97.1% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

Share Buybacks
Cash Flow
+79.9%
$6.5M$11.8M

Share repurchases increased 79.9% — management returning capital, signals confidence in intrinsic value.

Operating Cash Flow
Cash Flow
-35%
$133.9M$87.0M

Operating cash flow fell 35% — earnings quality concerns; investigate working capital changes and non-cash items.

Net Interest Income
P&L
-25.6%
$358.6M$266.9M

Net interest income declined 25.6% — margin compression from rate changes or funding cost increases.

Interest Expense
P&L
+25.3%
$195.6M$245.1M

Interest costs rose 25.3% — monitor debt levels and coverage ratio in rising rate environment.

Total Liabilities
Balance Sheet
+10.8%
$3.3B$3.7B

Liabilities increased 10.8% — monitor debt-to-equity ratio and interest coverage.

LANGUAGE CHANGES
NEW — 2026-02-09
PRIOR — 2025-02-10
ADDED
The aggregate market value of the Class A common stock held by non-affiliates of the registrant was $ 1,206,473,100 as of June 30, 2025, based on the closing price of the registrant s Class A common stock reported on the New York Stock Exchange on such date of $10.75 per share.
and Venezuela, as well as global tensions such as those between the U.S.
We have originated $31.3 billion of commercial real estate loans from our inception in October 2008 through December 31, 2025.
As of December 31, 2025, we held a portfolio of 73 balance sheet first mortgage loans with an aggregate book value of $2.2 billion.
As of December 31, 2025, we held a portfolio of 2 mezzanine loans with an aggregate book value of $7.3 million.
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REMOVED
The aggregate market value of the Class A common stock held by non-affiliates of the registrant was $ 1,276,191,725 as of June 30, 2024, based on the closing price of the registrant s Class A common stock reported on the New York Stock Exchange on such date of $11.29 per share.
presidential administration on the regulatory landscape and capital markets; increasing geopolitical uncertainty, including the broader impacts of the Ukraine-Russia and Hamas-Israel conflicts and escalating global tensions such as those between the U.S.
We have originated $29.9 billion of commercial real estate loans from our inception in October 2008 through December 31, 2024.
Based on the loan balances and the as-is third-party Financial Institutions Reform, Recovery and Enforcement Act of 1989 ( FIRREA ) appraised values at origination, the weighted average loan-to-value ratio of this portfolio was 66.6% at December 31, 2024.
As of December 31, 2024, we held a portfolio of 4 mezzanine loans with an aggregate book value of $11.6 million.
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