10-Q · October 31, 2025
LendingTree reported a strong Q3 with revenue of $307,792,000 (up $47,003,000 or ~18.0% vs Q3 2024) and operating income of $28,766,000 (vs $9,920,000 a year ago), producing diluted EPS of $0.73 compared with a loss of…
Earnings analysis · 10-Q
TREE earnings analysis
Filed May 1, 2026 · Our reading of the company's report
The latest report
LendingTree reported Q1 2026 financial results characterized by a revenue increase of 37% to $327.3 million, driven notably by a 51% surge in the Insurance segment. EPS came in at $1.22, slightly below the expected…
Read full summary
LendingTree reported Q1 2026 financial results characterized by a revenue increase of 37% to $327.3 million, driven notably by a 51% surge in the Insurance segment. EPS came in at $1.22, slightly below the expected $1.34, reflecting ongoing pressures in the Home segment, although management expressed optimism for the Insurance segment's continued strong performance.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
Where revenue came from
The business segments reported by the company.
Shares of the segments disclosed in this filing, largest first.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $1.22
What stood out
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Strong Revenue Growth
Total revenue rose 37% year-over-year to $327.3 million from $239.7 million.
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Insurance Segment Booms
Insurance segment revenue increased by 51% to $221.9 million, driven by a 28% rise in volume.
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Operating Income Turns Positive
Operating income shifted to $31.1 million from a loss of $7.1 million in the same quarter last year.
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Improved Segment Profits
Total segment profit increased 28% to $100.8 million from $79.0 million year-over-year.
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Cash and Equivalents Strengthen
Cash and cash equivalents grew to $85.5 million from $81.1 million at the end of the prior quarter.
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Increased Marketing Investment
Variable marketing expense rose 41% to $227.7 million, reflecting increased advertising efforts to drive growth.
What to watch
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Challenging Home Segment
The Home segment revenue grew only 6% to $39.1 million, hindered by reduced refinancing activity amid high mortgage rates.
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Litigation Costs from Prior Settlements
Prior quarter included $15.2 million in litigation settlements; potential for ongoing legal challenges remains.
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Consumer Demand Pressures
Rising geopolitical tensions and inflation are cited as influencing consumer demand negatively for loans.
Management's outlook
Full-year 2026 revenue guidance raised to $1.30B - $1.35B from $1.275B - $1.33B.
Earlier filings 4
10-Q · August 1, 2025
LendingTree reported solid quarter-to-quarter operating performance with revenue of $250.1M (up from $210.1M a year ago) and diluted EPS of $0.65 (vs. $0.58). Operating income improved to $20.9M (operating margin ~8.4%…
10-Q · May 5, 2025
LendingTree reported revenue of $239.7M for the quarter (up from $167.8M year-over-year) but recorded an operating loss of $7.109M and a net loss of $12.375M (EPS -$0.92) due largely to $15.212M of litigation…
10-K · March 7, 2025
LendingTree's 2024 results show a meaningful recovery from 2023 driven by a large increase in Insurance revenue; total consolidated revenue was $900,219,000 in 2024 versus $672,502,000 in 2023. The business emphasizes…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.