Lendingtree Inc (TREE)
NASDAQ:TREE
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Earnings Data
Report Date
Jul 23, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.38Last Year’s EPS
0.65Same Quarter Last Year
Strong Buy
Based on 6 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized a strong start to the year with record revenue, a 71% YoY adjusted EBITDA increase, significant balance sheet improvement and an S&P upgrade. Multiple strategic initiatives—AI adoption, homepage redesign, organic mix focus, and investments in SMB and marketing—support sustainable margin expansion. Notable near-term headwinds include softening consumer loan demand, reduced close rates and pressure in the home mortgage segment due to high rates and weak consumer sentiment; management has taken a conservative tone in guidance because of these factors. Overall, the positives (material revenue/profit growth, segment leadership in insurance, balance sheet strength, and clear operational initiatives) significantly outweigh the near-term challenges.Company Guidance
Strong Revenue and Profit Growth
Record revenue quarter with revenue up 37% year-over-year; adjusted EBITDA increased 71% YoY and was the highest quarterly adjusted EBITDA in years.
Improved Leverage and Credit Rating
Net leverage declined to 2.1x from 3.4x a year ago; received an S&P credit upgrade to B+ with a stable outlook, strengthening the balance sheet and financial flexibility.
Insurance Segment Outperformance
Insurance revenue and segment profit hit new records. VMD exceeded prior Q4 record of $48M by roughly $10M (~20% increase). Management expects insurance to remain a durable growth engine given strong carrier demand and competition.
Robust Consumer Segment Growth (Including SMB Lending)
Consumer revenue increased 49% YoY, led by small business lending and continued investment in small business concierge capabilities to drive conversion and satisfaction.
Strategic Investment and Early Marketing Wins
Made a dedicated marketing investment in Q1; expect revenue growth and margin expansion in Q2. Homepage redesign (launched ~3 weeks prior to call) produced sustained performance improvements, supporting brand rebuild and organic acquisition.
AI and Operational Efficiency Initiatives
Launched an internally developed AI agent for search marketing with early success and expansion plans; using AI in call centers, outbound and SMS engagement and across marketing/sales to improve conversion and reduce costs.
Large Organic Mix Opportunity and Multiyear Growth Profile
Every 5-point increase in organic revenue mix represents ~ $40M incremental segment profit and ~400 bps uplift in variable marketing margin. Midpoint of updated 2026 outlook implies a three-year adjusted EBITDA CAGR of 26%.
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 |
|---|---|---|---|
Apr 30, 2026 | $49.59 | $38.81 | -21.74% |
Mar 02, 2026 | $37.74 | $46.75 | +23.87% |
Oct 30, 2025 | $60.40 | $64.22 | +6.32% |
Jul 31, 2025 | $46.55 | $46.68 | +0.28% |
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 Jul 23, 2026, Before Open (Confirmed).
What is Lendingtree Inc (TREE) earnings time?
Lendingtree Inc (TREE) earnings time is at Jul 23, 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 (Q2) is 1.38.
