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LDI • CIK 0001831631
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $-278,308 | $-242,849 | $-120,531 | $-103,823 |
| Income Tax Expense (Benefit) | $-42,796 | $-40,698 | $-13,001 | $-698 |
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $-235,512 | $-202,151 | $-107,530 | $-103,125 |
| Net Income (Loss) Attributable to Noncontrolling Interest | $-125,370 | $-103,820 | $-44,884 | $-33,742 |
| Net Income (Loss) Attributable to Parent | $-110,142 | $-98,331 | $-62,646 | $-69,383 |
| Interest and Fee Income, Loans and Leases | $133,263 | $146,485 | $158,800 | $161,858 |
| InterestExpenseOperating | — | $147,328 | $148,525 | $151,578 |
| Interest Income (Expense), Net | $3,118 | $-843 | $10,275 | $10,280 |
| Contractually Specified Servicing Fee, Late Fee, and Ancillary Fee Earned in Exchange for Servicing Financial Asset | $492,811 | $481,699 | $437,202 | $445,428 |
| Other Income | $72,780 | $70,149 | $66,692 | $64,832 |
| Revenues, Net of Interest Expense | $974,022 | $1,060,235 | $1,189,741 | $1,257,291 |
| Labor and Related Expense | $573,010 | $600,483 | $641,518 | $693,337 |
| Marketing and Advertising Expense | $132,880 | $132,671 | $146,688 | $126,260 |
| General and Administrative Expense | $212,732 | $204,231 | $177,084 | $187,633 |
| Occupancy, Net | $23,516 | $19,434 | $16,876 | $17,317 |
| Depreciation, Depletion and Amortization, Nonproduction | $41,261 | $36,108 | $26,221 | $24,380 |
| InterestExpenseNonoperating | — | $188,550 | $175,213 | $172,883 |
| Costs and Expenses | $1,252,330 | $1,303,084 | $1,310,272 | $1,361,114 |
| Weighted Average Number of Shares Outstanding, Basic | 174,906,063 | — | — | — |
| Weighted Average Number of Shares Outstanding, Diluted | 174,906,063 | 185,641,675 | — | — |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | $660,707 | $421,576 | $337,232 | $229,128 |
| Restricted Cash and Cash Equivalents | $85,149 | $105,645 | $63,790 | $70,717 |
| Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance | $2,132,880 | $2,603,735 | $3,165,542 | $2,643,032 |
| Transferor's Interests in Transferred Financial Assets, Fair Value | $1,985,718 | $116,627 | $109,821 | $106,268 |
| Derivative Asset | $93,574 | $44,389 | $42,365 | $59,225 |
| Servicing Asset at Fair Value, Amount | $1,999,763 | $1,633,661 | $1,658,223 | $1,779,817 |
| Debt Securities, Trading | $92,901 | $87,466 | $85,640 | $82,008 |
| Property, Plant and Equipment, Net | $70,809 | $61,079 | $61,929 | $65,485 |
| Operating Lease, Right-of-Use Asset | $29,433 | $20,432 | $23,877 | $25,951 |
| Equity Method Investments | $20,363 | $18,113 | $18,251 | $18,177 |
| Other Assets | $254,098 | $235,907 | $216,880 | $215,013 |
| Assets | $6,151,048 | $6,344,028 | $6,857,936 | $6,696,560 |
| Warehouse Agreement Borrowings | $1,947,057 | $2,377,127 | $2,902,539 | $2,443,802 |
| Derivative Liability | $84,962 | $25,060 | $10,718 | $6,341 |
| Operating Lease, Liability | $49,192 | $33,190 | $34,630 | $34,790 |
| Long-term Debt | $2,274,011 | $2,027,203 | $2,100,303 | $2,130,204 |
| Liabilities | $5,446,564 | $5,837,417 | $6,471,926 | $6,363,514 |
| Preferred Stock, Value, Issued | $0 | $0 | $0 | $0 |
| Treasury Stock, Common, Value | — | $20,340 | $29,635 | $32,057 |
| Additional Paid in Capital | $821,055 | $843,523 | $878,204 | $888,977 |
| Retained Earnings (Accumulated Deficit) | $-451,706 | $-550,623 | $-614,398 | $-656,237 |
| Stockholders' Equity Attributable to Noncontrolling Interest | $351,303 | $233,719 | $151,496 | $132,015 |
| Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest | $704,484 | $506,611 | $386,010 | $333,046 |
| Preferred Stock, Shares Authorized | 50,000,000 | 50,000,000 | 50,000,000 | 50,000,000 |
| Preferred Stock, Shares Issued | 0 | 0 | 0 | 0 |
| Treasury Stock, Common, Shares | 3,349,395 | 5,270,250 | 8,779,081 | 10,342,938 |
| Derivative Liability, Securities Sold under Agreements to Repurchase, Securities Loaned, Gross | $3,335,246 | $3,630,351 | $4,223,044 | $3,799,052 |
| Derivative Liability, Securities Sold under Agreements to Repurchase, Securities Loaned, Asset | $16,981 | $13,897 | $3,892 | $6,697 |
| Derivative Liability, Securities Sold under Agreements to Repurchase, Securities Loaned | $3,318,265 | $3,616,454 | $4,219,152 | $3,792,355 |
| Derivative Liability, Securities Sold under Agreements to Repurchase, Securities Loaned, Collateral, Right to Reclaim Securities | $3,234,475 | $3,593,581 | $4,210,304 | $3,787,118 |
| Derivative Liability, Securities Sold under Agreements to Repurchase, Securities Loaned, Collateral, Right to Reclaim Cash | $60,188 | $22,779 | $8,851 | $5,989 |
| Derivative Liability, Securities Sold under Agreements to Repurchase, Securities Loaned, Amount Offset Against Collateral | $23,602 | $94 | $-3 | $-752 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | $-235,512 | $-202,151 | $-107,530 | $-103,125 |
| Net Cash Provided by (Used in) Operating Activities | $-174,215 | $-865,420 | $-707,510 | $-244,895 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $-234,645 | $-218,635 | $-126,199 | $-178,256 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $745,856 | $527,221 | $401,022 | $312,483 |
| Depreciation, Depletion and Amortization, Nonproduction | $41,261 | $36,108 | $26,221 | $24,380 |
| Payments to Acquire Property, Plant, and Equipment | $20,612 | $26,386 | $27,100 | $31,354 |
| Operating Lease, Right-of-Use Asset, Amortization Expense | $7,392 | $17,793 | $25,606 | $25,184 |
| Proceeds from Sale of Mortgage Servicing Rights (MSR) | $180,687 | $508,209 | $35,837 | $26,614 |
| Amortization of Debt Issuance Costs | $14,162 | $11,007 | $10,394 | $12,818 |
| Proceeds from (Payments for) Trading Securities, Short-term | $5,492 | $6,089 | $5,925 | $5,808 |
| Payments to Acquire Interest in Joint Venture | $0 | $225 | $150 | $49 |
| Debt Securities, Trading, Unrealized Gain (Loss) | $4,151 | $654 | $4,100 | $1,746 |
| Proceeds from Equity Method Investment, Distribution, Return of Capital | $92 | $249 | $0 | $0 |
| Net Cash Provided by (Used in) Investing Activities | $165,659 | $495,048 | $14,512 | $-5,094 |
| Increase (Decrease) in Deferred Income Taxes | $43,175 | $48,084 | $6,863 | $-15,315 |
| Mortgage Servicing Rights (MSR) Impairment (Recovery) | $136,118 | $107,512 | $212,976 | $175,863 |
| Share-based Payment Arrangement, Noncash Expense | $21,993 | $24,919 | $12,223 | $20,437 |
| Gain (Loss) on Extinguishment of Debt | $1,690 | $-5,680 | $0 | $1,170 |
| Proceeds from Equity Method Investment, Distribution | $18,968 | $15,932 | $5,118 | $5,729 |
| Increase (Decrease) in Other Operating Assets and Liabilities, Net | $16,691 | $-35,109 | $38,226 | $70,132 |
| Proceeds from Lines of Credit | $20,515,015 | $22,655,958 | $23,076,513 | $27,903,975 |
| Repayments of Lines of Credit | $20,714,561 | $22,225,888 | $22,551,101 | $27,871,590 |
| Proceeds from Issuance of Debt | $402,834 | $787,852 | $1,565,061 | $789,516 |
| Repayments of Debt | $417,879 | $1,045,736 | $1,501,318 | $738,745 |
| Payments of Debt Issuance Costs | $5,307 | $13,339 | $16,521 | $9,794 |
| Payments to Noncontrolling Interests | $3,211 | $3,847 | $9,295 | $9,469 |
| Proceeds from Stock Options Exercised | — | — | $5,926 | $6,966 |
| Payments of Dividends | $2,980 | $3,263 | $2,466 | $2,466 |
| Net Cash Provided by (Used in) Financing Activities | $-226,089 | $151,737 | $566,799 | $71,733 |
| Cash and Cash Equivalents, at Carrying Value | $660,707 | $421,576 | $337,232 | $243,170 |
| Restricted Cash and Cash Equivalents | $85,149 | $105,645 | $63,790 | $69,313 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $321,626 | $305,518 | $301,463 | $300,666 |
| Income Taxes Paid, Net | $-8,870 | $9,024 | $-2,913 | $-9,191 |
| Right-of-Use Asset Obtained in Exchange for Operating Lease Liability | $8,852 | $3,300 | $13,834 | $10,206 |