TREE

LendingTree, Inc. TREE reported first-quarter 2026 adjusted net income per share of $1.66, which surpassed the Zacks Consensus Estimate of $1.49. The figure compares favorably with 99 cents reported in the prior-year quarter. Shares of the company gained 2.5% in yesterday’s trading session following the release of better-than-expected results and a raised full-year 2026 outlook. Results were driven by a rise in revenues. An increase in adjusted EBITDA was an added positive. However, a rise in total cost acted as a spoilsport. Results exclude certain non-recurring items. After considering these, TREE reported a GAAP net income of $17.3 million, or $1.22 per share, against the net loss of $12.4 million in the year-ago quarter. Total revenues in the first quarter grew 36.5% year over year to $327.3 million. The reported figure surpassed the Zacks Consensus Estimate by 1.9%. Total cost of revenues was $11.7 million, up 18% from the prior-year quarter. Total costs and expenses were $296.1 million, up 19.9% from the previous-year quarter. Adjusted EBITDA totaled $42 million, up 70.7% from the year-ago quarter. The variable marketing margin was $99.5 million, up 28.1%. As of March 31, 2026, cash and cash equivalents were $85.5 million compared with $81.1 million as of Dec. 31, 2025. Long-term debt was $387 million compared with $387.7 million as of Dec. 31, 2025. Total revenues are projected to be between $305 million and $325 million. Adjusted EBITDA is anticipated to be between $38 million and $40 million. The variable marketing margin is anticipated to be between $93 million and $97 million. Total revenues are expected to be between $1.30 billion and $1.35 billion compared with the prior range of $1.28 billion to $1.33 billion. Adjusted EBITDA is projected to be in the range of $152-$162 million versus the previous range of $150-$160 million. The variable marketing margin is expected to be in the range of $378-$395 million compared with $374-$394 million previously. TREE’s inorganic growth moves have strengthened its online lending platform. Its first-quarter results primarily benefited from an increase in EBITDA. The company’s efforts to increase revenues by diversifying its non-mortgage product offerings will support top-line growth in the future. LendingTree, Inc. price-consensus-eps-surprise-chart | LendingTree, Inc. Quote Currently, LendingTree carries a Za...

Tree.com (TREE) came out with quarterly earnings of $1.66 per share, beating the Zacks Consensus Estimate of $1.49 per share. This compares to earnings of $0.99 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +11.66%. A quarter ago, it was expected that this mortgage lending service provider would post earnings of $0.9 per share when it actually produced a loss of $0.39, delivering a surprise of -143.33%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. Tree.com, which belongs to the Zacks Financial - Mortgage & Related Services industry, posted revenues of $327.27 million for the quarter ended March 2026, surpassing the Zacks Consensus Estimate by 1.93%. This compares to year-ago revenues of $239.7 million. The company has topped consensus revenue estimates three times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Tree.com shares have lost about 8.9% since the beginning of the year versus the S&P 500's gain of 4.2%. While Tree.com has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Tree.com was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today...

Record revenue and adjusted EBITDA were primarily driven by an exceptional performance in the insurance segment, which management describes as entering a period of strong health and stability. The insurance marketplace is benefiting from a healthy competitive environment where large carriers are maintaining scale while midsize insurers aggressively compete for market share. Consumer segment growth was led by small business lending, though management noted a late-quarter softening in demand attributed to low consumer sentiment and the impact of high gas prices. Management is positioning the home segment for a cyclical recovery by investing in high-quality traffic and expanding the lender network, specifically targeting small and medium-sized brokers. The company is executing a strategic shift toward organic traffic channels, noting that every five-point increase in organic mix yields approximately $40 million in incremental segment profit. AI is being deployed as a 'transaction layer' to improve consumer matching and internal marketing optimization, with management viewing the technology as a tailwind rather than a disruptor. The Q2 and Q3 guidance for the consumer segment assumes 'very, very muted' seasonality and potential credit tightening, reflecting a conservative stance due to current macro uncertainty. Insurance momentum is expected to be supported by anticipated price decreases in auto insurance across select states, which management believes will stimulate further shopping activity. The company plans to initiate proactive brand advertising in the second half of 2026 to capitalize on the improved conversion rates seen from recent homepage and messaging redesigns. Management expects home segment revenue to continue growing with expanding margins in Q2 following dedicated marketing investments made in the first quarter. Long-term strategy focuses on rebuilding the brand to increase unaided awareness, which is intended to reduce customer acquisition costs and increase lifetime value. Net leverage declined significantly to 2.1 times from 3.4 times a year ago, supported by a credit upgrade from S&P to B+. A temporary surge in health insurance shopping was attributed to the expiration of COVID-era subsidies, providing an unexpected boost to Q1 results. The company launched an internal AI agent for search marketing optimization and is expanding AI-powered vo...

This article first appeared on GuruFocus. Release Date: April 30, 2026 For the complete transcript of the earnings call, please refer to the full earnings call transcript. LendingTree Inc (NASDAQ:TREE) reported a 71% year-over-year growth in adjusted EBITDA, driven by a 37% increase in revenue. The insurance segment achieved record revenue and segment profit, growing 51% and 50% respectively year-over-year. The company received a credit upgrade from S&P to B+ with a stable outlook, reflecting improved financial stability. LendingTree Inc (NASDAQ:TREE) is leveraging AI to enhance platform efficiency, improve consumer experience, and drive better unit economics. The company has a diversified platform that allows it to navigate varying market and economic cycles effectively. There is a noted softening in consumer demand for loans, attributed to broader macroeconomic dynamics and declining consumer sentiment. The home segment remains pressured by elevated mortgage rates, impacting revenue and profit levels. Consumer sentiment is at historically low levels, affecting demand for personal loans and small business lending. The company is facing competitive marketing conditions in the home segment, requiring aggressive investment to capture high-quality traffic. There is a cautious outlook on consumer loan demand due to geopolitical uncertainties and potential credit tightening. Warning! GuruFocus has detected 4 Warning Signs with TREE. Is TREE fairly valued? Test your thesis with our free DCF calculator. Q: Can you elaborate on the slowdown in consumer loan demand and whether it's accompanied by tightening credit boxes at your partners? A: Scott Peree, CEO: The slowdown is more related to consumer shopping behavior rather than credit availability. Factors like low consumer sentiment, high gas prices, and extra tax refunds have reduced demand for personal loans. While demand has started to increase in April, it's still below expected seasonal levels. On the small business lending side, there is a slight reduction in loan sizes and higher interest rates, but credit is still available. We expect this to be a short-term issue that will improve as consumer sentiment recovers. Q: What are your expectations for the insurance segment for the rest of the year? A: Jason Bengal, CFO: We had a strong Q1 in insurance, setting new records. Although we expect some normalization, w...

Tree.com (TREE) reported $327.27 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 36.5%. EPS of $1.66 for the same period compares to $0.99 a year ago. The reported revenue compares to the Zacks Consensus Estimate of $321.09 million, representing a surprise of +1.93%. The company delivered an EPS surprise of +11.66%, with the consensus EPS estimate being $1.49. While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health. As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately. Here is how Tree.com performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Revenue- Consumer: $66.3 million compared to the $67.65 million average estimate based on two analysts. The reported number represents a change of +18.4% year over year. Revenue- Home: $39.1 million compared to the $38.84 million average estimate based on two analysts. The reported number represents a change of +5.7% year over year. Revenue- Insurance: $221.9 million versus the two-analyst average estimate of $214.51 million. The reported number represents a year-over-year change of +51.3%. Segment profit- Home: $10 million compared to the $11.38 million average estimate based on two analysts. Segment profit- Insurance: $57.9 million compared to the $52.46 million average estimate based on two analysts. Segment profit- Consumer: $32.9 million versus $34.76 million estimated by two analysts on average. View all Key Company Metrics for Tree.com here>>> Shares of Tree.com have returned +14.6% over the past month versus the Zacks S&P 500 composite's +12.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report LendingTree, Inc. (TREE) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Re...

Record Quarterly Revenue Driven By Leading Insurance Marketplace Consolidated revenue of $327.3 million GAAP net income of $17.3 million or $1.22 per diluted share Variable marketing margin of $99.5 million Adjusted EBITDA of $42.0 million CHARLOTTE, N.C., April 30, 2026 /PRNewswire/ -- LendingTree, Inc. (NASDAQ: TREE), operator of LendingTree.com, the nation's leading online financial services marketplace, today announced results for the quarter ended March 31, 2026. The company has posted a letter to shareholders on the company's website at investors.lendingtree.com. "We are thrilled to report first quarter AEBITDA grew 71% YoY. The Insurance segment produced another period of record revenue and segment profit, with segment margins posting a strong sequential increase as we optimize marketing spend. We operate the largest marketplace for consumers to shop for Insurance products. The industry broadly continues to benefit from healthy underwriting results, and our partners' appetite for new customers remains strong," said Scott Peyree, President and CEO. Peyree added, "We are diligently executing against our strategy to 'Become the #1 Destination to Shop For Financial Products'. We recently deployed internally developed AI-tools that increase marketing efficiency and launched our newly redesigned homepage that has led to an increase in customer engagement levels. Improving our consumer experience and brand strength are key components of our journey to increase organic traffic mix versus paid channels." Jason Bengel, CFO, added, "Our scalable business model continues to generate strong growth and operating leverage, as our AEBITDA margin of VMM increased over 1,000 basis points in the first quarter compared to the prior year period. The balance sheet strengthened as well, with net leverage declining to 2.1x at quarter-end. The Insurance and Consumer segments continue to perform well, though Home remains challenged in what has become a persistently higher interest rate environment. The outlook for the rest of 2026 assumes continued strength in Insurance, but we remain conservative in regards to the other two segments. Geopolitical issues have pushed consumer sentiment to a record low, which has begun to manifest in lower demand for new loan products. Due to the diversification and strength of our business model, we remain confident in our ability to deliver an...

Image source: The Motley Fool. Thursday, April 30, 2026 at 4:30 p.m. ET President and Chief Executive Officer — Scott Peyree Chief Financial Officer — Jason Bengel Director of Investor Relations — Andrew Wessel Andrew Wessel: Thank you, Kelly, and hello to everyone joining us on the call to discuss our first quarter 2026 financial results. With us today are Scott Peyree, our President and CEO, and Jason Bengel, our CFO. This afternoon, we posted a detailed letter to shareholders on our Investor Relations website. We have also posted a new investor presentation that we would encourage everyone to look at on our website. For the purposes of today's discussion, we will assume that listeners have gone through those materials and will focus on Q&A. Before I hand over the call to Scott for his remarks, I will remind everyone that during this call, we may discuss LendingTree, Inc.'s expectations for future performance. Any forward-looking statements that we make are subject to risks and uncertainties, and actual results could differ materially from the views expressed today. Many, but not all, of the risks we face are described in our periodic reports filed with the SEC. We will also discuss a variety of non-GAAP measures on the call, and I refer you to today's press release and shareholder letter, both available on our website, for comparable GAAP definitions and full reconciliations of non-GAAP measures to GAAP. And with that, Scott, please go ahead. Scott Peyree: Thanks, Andrew, and I appreciate everyone joining us on the call today. I am going to start with some highlights from our first quarter results and then spend a few minutes on how we are executing on our strategy before opening up the line for questions. We have posted an updated presentation on our Investor Relations site that goes deeper on some of the remarks I have today. We had an exceptional start to the year. Adjusted EBITDA grew 71% year over year on a 37% increase in revenue, driven by a very strong performance in our insurance segment and a healthy contribution from consumer. We had a record revenue quarter, and it was the highest quarterly adjusted EBITDA we have had in years. Just as importantly, we continue to strengthen our financial position. Net leverage declined to 2.1 times from 3.4 times a year ago, and we are pleased to receive a credit upgrade from S&P to B+ with a stable outlook. S...

Record quarter and stronger balance sheet: Adjusted EBITDA rose 71% YoY on a 37% revenue increase, marking LendingTree’s highest quarterly adjusted EBITDA in six years and record revenue, while net leverage fell to 2.1x (from 3.4x) and S&P upgraded the credit rating to B+ with a stable outlook. Insurance marketplace drove growth: Insurance revenue and segment profit hit new records, up 51% and 50% YoY respectively, with variable marketing dollars exceeding the prior record by about 20% (~$10M) and carriers returning/expanding, including a notable pickup in health insurance activity. Mixed signals in consumer and home businesses; strategy focused on efficiency: Small-business lending revenue rose 49% but loan demand softened late in the quarter and the home segment remains pressured by high mortgage rates (viewed as cyclical lows), prompting marketing investments and a push to increase organic traffic and use AI to improve margins and efficiency. Interested in LendingTree, Inc.? Here are five stocks we like better. MarketBeat’s Top 5 Rated Small-Cap Stocks LendingTree (NASDAQ:TREE) opened 2026 with what management described as an “exceptional start to the year,” fueled by record results in its insurance marketplace and continued progress strengthening the balance sheet. On the company’s first-quarter earnings call, President and CEO Scott Peyree said adjusted EBITDA rose 71% year over year on a 37% increase in revenue. Peyree added the quarter marked the company’s “record revenue quarter” and its “highest quarterly adjusted EBITDA” in six years. → Corning Beats Q1 Estimates but Drops 9% on Guidance Miss LendingTree vs. LendingClub: Which Stock is Better? Beyond growth in revenue and profitability, Peyree emphasized improving leverage and credit metrics. He said net leverage declined to 2.1 times from 3.4 times a year ago, and noted the company received a credit upgrade from S&P to B+ with a stable outlook. Peyree framed the quarter’s results as evidence of LendingTree’s “high margin, asset-light marketplace” model and “scalable cost structure,” saying the company is demonstrating “meaningful operating leverage” as it grows. → Is Oracle Undervalued as Cloud Growth Accelerates? Insurance remained the main driver of growth in the quarter. Peyree said insurance revenue and segment profit both reached new records, rising 51% and 50% year over year, respectively. H...

Wall Street expects a year-over-year increase in earnings on higher revenues when Tree.com (TREE) reports results for the quarter ended March 2026. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates. The earnings report, which is expected to be released on April 30, might help the stock move higher if these key numbers are better than expectations. On the other hand, if they miss, the stock may move lower. While the sustainability of the immediate price change and future earnings expectations will mostly depend on management's discussion of business conditions on the earnings call, it's worth handicapping the probability of a positive EPS surprise. This mortgage lending service provider is expected to post quarterly earnings of $1.49 per share in its upcoming report, which represents a year-over-year change of +50.5%. Revenues are expected to be $321.09 million, up 34% from the year-ago quarter. The consensus EPS estimate for the quarter has been revised 7.83% lower over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. This insight is at the core of our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction). The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is sig...

CHARLOTTE, N.C., April 14, 2026 /PRNewswire/ -- LendingTree, Inc. (NASDAQ: TREE), operator of LendingTree.com, the nation's leading online financial services marketplace, today announced that it will release fiscal first quarter 2026 results after market close on Thursday, April 30, 2026. The company will also post a letter to shareholders on the Company's website at investors.lendingtree.com. The Company will hold its earnings conference call at 4:30 p.m. ET to discuss the release, which will be simultaneously webcast via the Company's website at investors.lendingtree.com. The webcast replay will be available following the event. About LendingTree, Inc. LendingTree, Inc. is the parent of LendingTree, LLC and several companies owned by LendingTree, LLC (collectively, "LendingTree"). LendingTree (NASDAQ: TREE) is one of the nation's largest, most experienced online financial platforms, created to give consumers the power to win financially. LendingTree provides customers with access to the best offers on loans, credit cards, insurance and more through its network of over 770 financial partners. Since its founding, LendingTree has helped millions of customers obtain financing, save money, and improve their financial and credit health in their personal journeys. With a portfolio of innovative products and tools and personalized financial recommendations, LendingTree helps customers achieve everyday financial wins. LendingTree, Inc. is headquartered in Charlotte, NC. For more information, please visit www.lendingtree.com. INVESTOR RELATIONS: [email protected] MEDIA RELATIONS: [email protected] View original content to download multimedia:https://www.prnewswire.com/news-releases/lendingtree-inc-to-report-first-quarter-2026-earnings-on-april-30-2026-302742233.html

The end of an earnings season can be a great time to discover new stocks and assess how companies are handling the current business environment. Let’s take a look at how LendingTree (NASDAQ:TREE) and the rest of the financial technology stocks fared in Q4. Financial technology companies benefit from the increasing consumer demand for digital payments, banking, and finance. Tailwinds fueling this trend include e-commerce along with improvements in blockchain infrastructure and AI-driven credit underwriting, which make access to money faster and cheaper. Despite regulatory scrutiny and resistance from traditional financial institutions, fintechs are poised for long-term growth as they disrupt legacy systems by expanding financial services to underserved population segments. The 4 financial technology stocks we track reported a mixed Q4. As a group, revenues beat analysts’ consensus estimates by 2.3% while next quarter’s revenue guidance was in line. Thankfully, share prices of the companies have been resilient as they are up 8.9% on average since the latest earnings results. Using the same comparison model that revolutionized travel booking, LendingTree (NASDAQ:TREE) operates an online platform that connects consumers with financial service providers across mortgages, personal loans, credit cards, insurance, and other financial products. LendingTree reported revenues of $319.7 million, up 22.2% year on year. This print exceeded analysts’ expectations by 11.5%. Overall, it was an incredible quarter for the company with EBITDA guidance for next quarter exceeding analysts’ expectations and a solid beat of analysts’ EBITDA estimates. LendingTree scored the biggest analyst estimates beat and highest full-year guidance raise of the whole group. Unsurprisingly, the stock is up 13.9% since reporting and currently trades at $42.97. Is now the time to buy LendingTree? Access our full analysis of the earnings results here, it’s free. With Amazon founder Jeff Bezos as an early investor, Remitly (NASDAQ:RELY) is an online platform that enables consumers to safely and quickly send money globally. Remitly reported revenues of $442.2 million, up 25.7% year on year, outperforming analysts’ expectations by 3.5%. The business had an exceptional quarter with EBITDA guidance for next quarter exceeding analysts’ expectations and a solid beat of analysts’ EBITDA estimates. The marke...