LDIMEDIUM SIGNALFINANCIAL10-K

LDI's financial performance improved with reduced net losses and better operating cash flows, but deteriorating balance sheet metrics including declining equity and rising liabilities signal ongoing capital structure concerns.

While the company showed operational improvement with net losses narrowing from $98.3M to $62.6M and better operating cash flow generation, the 23.8% decline in stockholders' equity combined with 10.9% increase in total liabilities indicates potential capital adequacy issues. The introduction of dual-class share structure (Class A and Class B shares) suggests recent corporate restructuring that warrants investor attention.

Comparing 2026-03-12 vs 2025-03-13View on EDGAR →
FINANCIAL ANALYSIS

LDI demonstrated mixed financial results with positive momentum in profitability (losses reduced by 36.3%) and operating cash flow improvement of 18.2%, indicating better operational management. However, the balance sheet deteriorated significantly with stockholders' equity declining 23.8% to $386M, cash reserves dropping 20% to $337.2M, and total liabilities increasing 10.9% to $6.5B. This financial profile suggests a company improving operationally but facing capital structure pressures that could constrain future growth or require additional financing.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+36.3%
-$98.3M-$62.6M

Net income grew 36.3% — bottom-line growth signals improving overall business health.

Dividends Paid
Cash Flow
-24.4%
$3.3M$2.5M

Dividend reduced 24.4% — monitor management commentary on capital allocation priorities.

Stockholders Equity
Balance Sheet
-23.8%
$506.6M$386.0M

Equity decreased 23.8% — buybacks or losses reducing book value, monitor solvency ratios.

Cash & Equivalents
Balance Sheet
-20%
$421.6M$337.2M

Cash decreased 20% — monitor burn rate and upcoming capital needs.

Operating Cash Flow
Cash Flow
+18.2%
-$865.4M-$707.5M

Operating cash flow grew 18.2% — strong conversion of earnings to cash, healthy business fundamentals.

Total Liabilities
Balance Sheet
+10.9%
$5.8B$6.5B

Liabilities increased 10.9% — monitor debt-to-equity ratio and interest coverage.

LANGUAGE CHANGES
NEW — 2026-03-12
PRIOR — 2025-03-13
ADDED
As of March 10, 2026, 228,821,318 shares of the registrant s Class A common stock, par value $0.001 per share, were outstanding and 106,207,433 shares of the registrant s Class B common stock, par value $0.001 per share, were outstanding.
There are no shares of the registrant s Class C common stock or Class D common stock outstanding.
Form 10-K Summary 131 Signatures 132 T a b l e o f C o n t e n t s PART I.
Examples of forward-looking statements include, but are not limited to: information concerning our possible or assumed future results of operations, liquidity, financial covenants, expenses, business strategies, technology developments, artificial intelligence, financing and investment plans, dividend policy, competitive position, industry and regulatory environment, potential growth opportunities, effects of competition, tax basis, payments under the tax receivable agreement, interest rate risk, and impact of the cybersecurity incident that occurred in the first quarter of 2024.
1 T a b l e o f C o n t e n t s Glossary of Acronyms, Abbreviations, and Terms The acronyms, abbreviations, and terms listed below are used in various sections of this Form 10-K, including Item 7.
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REMOVED
As of March 10, 2025, 104,724,387 shares of the registrant s Class A common stock, par value $0.001 per share, were outstanding.
Examples of forward-looking statements include, but are not limited to: information concerning our possible or assumed future results of operations, business strategies (including Project North Star plans and benefits), technology developments, financing and investment plans, dividend policy, competitive position, industry and regulatory environment, potential growth opportunities, effects of competition, operational efficiencies, and impact of the cybersecurity incident that occurred in the first quarter of 2024.
We are the sixth largest retail-focused non-bank mortgage originator and the eighth largest overall retail originator (based on data through March 13, 2025, published by Inside Mortgage Finance).
residential mortgage market experienced the impact of geopolitical risks and inflation, leading the Federal Reserve to raise interest rates and transition from a low-rate to a rising-rate environment.
In July 2023, the Federal Reserve increased the Federal Funds rate to a range of 5.25% - 5.50%.
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