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Lendingtree Inc (TREE)
NASDAQ:TREE
Earnings Data
Report Date
Apr 30, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.77Last Year’s EPS
-0.92Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlights multiple strong operating and financial results — notably double-digit VMD growth across segments, 28% adjusted EBITDA growth, material AI-driven revenue uplift (~$10M+/quarter), and pronounced insurance and SMB momentum — while acknowledging specific headwinds in the Home channel (margin pressure), legacy SEO shifts, measured guidance, and uncertainty around M&A and AI-driven disintermediation. Management appears confident in execution (focused strategy, martech investments, brand rebuild, and debt reduction) and is taking a conservative approach in guidance despite early-2026 strength in insurance.Company Guidance
Strong Overall Financial Performance
Value of merchant-driven (VMD) revenue grew 14% in FY2025 while adjusted EBITDA increased 28% year-over-year, with each of the three reportable segments achieving double-digit VMD growth.
Insurance Segment Strength and Share Gains
Insurance delivered $174 million of VMD, a 10% increase versus prior year, finished Q4 at a record level (just ahead of the year-ago record), and management expects another record insurance year; carriers ranked #4–#10 combined grew revenue 65% in 2025, indicating broad-based marketplace strength.
Consumer Segment and Small Business Momentum
Consumer segment profit rose 17% for the year and segment profit increased 24% in Q4 versus prior year. Small business revenue was a major driver — ~60% revenue growth for the year and a remarkable 78% year-over-year growth in Q4 — with segment margin stable at 51% for both the quarter and full year.
AI-Driven Revenue and Efficiency Gains
AI voice in the call center has driven over $10 million of incremental revenue per quarter on average over the last six quarters, with incremental OpEx of only a few hundred thousand dollars per quarter. AI-enabled marketing improvements contributed to a 17% increase in overall conversions year-over-year in Q4.
Conversion and Early Marketing Technology Success
Overall conversions rose 17% YoY in Q4 despite legacy SEO headwinds, and management reports material margin improvements in insurance in January/February tied to martech and monetization initiatives.
Favorable Regulatory Change for Lead Quality
Congress passed legislation addressing 'trigger leads' (preventing resale of consumers' post-hard-pull data), which management says should improve lead quality and reduce poor consumer experiences, and could enhance monetization of front-end leads.
Strategic Roadmap and Targeted Brand Investment
Management laid out a four-pillar 'North Star' strategy (accelerate core, improve consumer experience, expand products, rebuild brand) and plans targeted brand testing in mid-Q3 to Q4 with initial brand spend contemplated at under $10 million in guidance.
Balance Sheet Flexibility and Debt Focus
Company has flexibility to pay down term loan at par and is prioritizing reducing total debt (targeting sub-$200 million), while accumulating cash to maintain optionality amid external uncertainty.
TREE Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
TREE Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Mar 02, 2026 | $37.74 | ― | ― |
Oct 30, 2025 | $60.40 | $64.22 | +6.32% |
Jul 31, 2025 | $46.55 | $46.68 | +0.28% |
May 01, 2025 | $54.12 | $43.22 | -20.14% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Lendingtree Inc (TREE) report earnings?
Lendingtree Inc (TREE) is schdueled to report earning on Apr 30, 2026, Before Open (Confirmed).
What is Lendingtree Inc (TREE) earnings time?
Lendingtree Inc (TREE) earnings time is at Apr 30, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is TREE EPS forecast?
TREE EPS forecast for the fiscal quarter 2026 (Q1) is 0.77.
