Q3 2025 Ladder Capital Corp Earnings Call Transcript

Oct 23, 2025 / 02:00 PM GMT

Release Date Price: $11.11 (+1.18%)

Transcript 10-Q8-K

Key Points

Positve

Ladder Capital Corp (LADR) generated distributable earnings of $32.1 million or $0.25 per share, achieving a return on equity of 8.3%.
The company successfully closed its inaugural $500 million investment grade bond offering at a rate of 5.5%, which was met with strong demand.
Loan origination activity accelerated with $511 million of new loans, marking the highest quarterly origination volume in over three years.
Ladder Capital Corp (LADR) reduced its office loan exposure significantly, with the full payoff of a $63 million office loan.
The company's real estate portfolio generated $15.1 million in net operating income, primarily from net lease properties with long-term leases to investment grade tenants.

Negative

The loan portfolio includes three loans on non-accrual status, totaling $123 million or 2.6% of total assets.
There was a modest net reduction in securities holdings due to paydowns and sales exceeding purchases.
The company's stock price is perceived to be pulled down by broader market concerns around private credit.
Despite strong performance, the return on equity of 8.3% is seen as solid but not exceptional, potentially impacting stock valuation.
The rapid pace of loan payoffs in the previous year has masked some of the company's growth efforts.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

LADR.N - Ladder Capital Corp
Q3 2025 Ladder Capital Corp Earnings Call
Oct 23, 2025 / 02:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good morning and welcome to Ladder Capital Corp's earnings call for the 3rd quarter of 2025. As a reminder, today's call is being recorded.

This morning, latter released its financial results for the quarter ended September 30th, 2025. Before the call begins, I'd like to call your attention to the customary Safe Harbor disclosure in our earnings released regarding forward-looking statements. Today's call may include forward-looking statements and projections, and we refer you to our most recent form 10k for important factors that could cause actual results to differ materially from these statements and projections.

We do not undertake any obligation to update our forward-looking statements or projections unless

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