loanDepot Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	157.79	146.49	133.26	200.2	262.48	142.88
Total Interest Expense	323.86	335.88	304.25	274.96	298.02	179.44
Net Interest Income	-166.07	-189.39	-170.99	-74.75	-35.54	-36.57
Commissions and Fees	432.7	481.7	492.81	449.15	393.68	185.9
Gain (Loss) on Sale of Loans & Receivables	703.56	642.08	524.52	748.54	3,213	3,906
Other Revenue	4.54	-31.03	24.86	-249.89	74.38	249.06
Revenue Before Loan Losses	1,096	985.65	936.42	1,003	4,008	4,563
Revenue	1,096	985.65	936.42	1,003	4,008	4,563
Revenue Growth (YoY)	10.74%	5.26%	-6.62%	-74.98%	-12.16%	217.69%
Salaries & Employee Benefits	629.23	600.48	573.01	1,027	1,930	1,531
Cost of Services Provided	531.29	512.44	463.96	711.77	1,013	681.78
Other Operating Expenses	133.71	103.47	146.98	-132.62	353.23	296.31
Total Operating Expenses	1,324	1,253	1,225	1,648	3,332	2,545
Operating Income	-228	-266.86	-288.79	-645.58	676.28	2,018
EBT Excluding Unusual Items	-228	-266.86	-288.79	-645.58	676.28	2,018
Impairment of Goodwill	-	-	-	-40.74	-	-
Other Unusual Items	41.2	-	-	-	-	-
Pretax Income	-172.85	-242.85	-278.31	-689.98	666.52	2,015
Income Tax Expense	-30.68	-40.7	-42.8	-79.59	43.37	2.25
Earnings From Continuing Ops.	-142.17	-202.15	-235.51	-610.39	623.15	2,013
Minority Interest in Earnings	68.77	103.82	125.37	337.37	-509.62	-2,013
Net Income	-73.4	-98.33	-110.14	-273.02	113.52	-
Net Income to Common	-73.4	-98.33	-110.14	-273.02	113.52	-
Shares Outstanding (Basic)	203	186	175	156	130	126
Shares Outstanding (Diluted)	203	186	175	156	130	126
Shares Change (YoY)	11.76%	6.14%	12.10%	20.02%	2.90%	-
EPS (Basic)	-0.36	-0.53	-0.63	-1.75	0.87	-
EPS (Diluted)	-0.36	-0.53	-0.63	-1.75	0.87	-
Free Cash Flow	-52.97	-891.81	-194.83	4,418	-1,520	-2,065
Free Cash Flow Per Share	-0.26	-4.80	-1.11	28.31	-11.69	-16.34
Dividend Per Share	-	-	-	0.080	0.240	-
Dividend Growth	-	-	-	-66.67%	-	-
Operating Margin	-20.81%	-27.07%	-30.84%	-64.38%	16.87%	44.22%
Profit Margin	-6.70%	-9.98%	-11.76%	-27.23%	2.83%	-
Free Cash Flow Margin	-4.83%	-90.48%	-20.81%	440.53%	-37.92%	-45.25%
Effective Tax Rate	-	-	-	-	6.51%	0.11%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

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