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Ladder Capital
Ladder Capital (LADR) investor relations material
Ladder Capital Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Feb, 2026
Executive summary
Achieved investment-grade status in 2025, becoming the only investment-grade commercial mortgage REIT, which enhanced access to capital and lowered funding costs.
Q4 2025 distributable earnings were $21.4 million ($0.17/share), or $0.21/share excluding a realized loan loss; full-year distributable earnings reached $109.9 million.
Declared a Q4 2025 dividend of $0.23/share, yielding 8.3% annually, with 96% dividend coverage for the year (excluding loan write-off).
Undepreciated book value per share was $13.69 at year-end.
Entered 2026 with strong liquidity, conservative leverage, and a focus on loan origination and earnings growth.
Financial highlights
Adjusted leverage at 2.0x book value; liquidity of $608 million, including $570 million undrawn revolver capacity.
Loan portfolio at year-end: $2.2 billion (42% of assets), weighted average yield 7.8%, average loan size $25–30 million, 69% weighted-average LTV.
Securities portfolio: $2.1 billion (39% of assets), 99% investment grade, 97% AAA-rated, 5.3% yield, 3.0-year average duration.
Real estate portfolio: $966 million, generating $57.3 million net operating income for 2025; $704 million in equity properties, $39.4 million annual NOI, 100% leased net lease portfolio.
Total investment assets and unrestricted cash reached $5.3 billion at year-end.
Outlook and guidance
Plans to increase loan originations in 2026 to drive earnings and support dividend growth, with over $250 million in loans closed in Q1 2026 and more than $400 million in the pipeline.
Targeting loan portfolio growth to over $6 billion by year-end 2026.
Expected ROE in the 9–10% range, with potential upside from one-time gains.
Focus remains on balance sheet discipline and capitalizing on lending opportunities as market conditions improve.
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Next Ladder Capital earnings date
Q1 202623 Apr, 2026
Ladder Capital
Next Ladder Capital earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
Ladder Capital Corp is a real estate investment trust (REIT) that specializes in providing commercial real estate financing solutions. The company focuses on originating and investing in a variety of commercial real estate-related assets, including first mortgage loans, mezzanine loans, and other real estate-related securities. Ladder Capital’s services cater to property owners and developers, offering flexible financing options for transactions involving office, retail, industrial, and multifamily properties. In addition to its lending operations, the company also invests in commercial real estate equity. The company is headquartered in New York, New York, USA, and its shares are listed on the NYSE.
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