The earnings call presented strong financial results with significant growth in revenue and profitability across all business segments. The integration of AI into operations is seen as a major opportunity. While there were some technical issues earlier in the year, they have been resolved. Overall, the positive aspects significantly outweigh the negative ones.

Company Guidance -

Q3 2025

During the LendingTree, Inc. Second Quarter 2025 Earnings Conference Call, the company reported robust financial performance and provided optimistic guidance for future periods. In Q2 2025, LendingTree achieved a revenue of $250 million, reflecting a 19% year-over-year growth, and an adjusted EBITDA of $31.8 million, marking a 35% increase from the previous year. The company witnessed double-digit growth across its three business segments: Consumer, Home, and Insurance. Specifically, the Consumer segment saw a 12% revenue increase, with small business loan revenue surging by 61% and personal loan revenue rising by 14%. The Home segment experienced a 25% revenue climb, propelled by a 38% increase in home equity revenue. Insurance revenue grew by 21% year-over-year. Furthermore, the company highlighted its strategic focus on AI, which is expected to enhance efficiency and guide customers through complex transactions, potentially improving close rates and revenue. The forward-looking outlook remains positive, with expectations for continued strong momentum in financial results and strategic investments in AI and data integration to drive long-term growth.

Revenue Growth

Revenue for the quarter was $250 million, representing a 19% year-over-year growth.

Profitability Increase

Adjusted EBITDA of $31.8 million was up 35% from last year.

Segment Performance

Consumer segment delivered 12% revenue growth with a 19% increase in segment profit. Small business loan revenue grew 61% and personal loan revenue grew 14%.

Home Segment Growth

Revenue climbed 25%, driven by a 38% increase in home equity revenue.

Insurance Segment Success

Insurance revenue grew 21% year-over-year, demonstrating strong momentum.

AI Integration

The company has become an AI-first company with all employees using AI in their day jobs, including having enterprise GPT for everyone.

Lendingtree (TREE) Earnings, Revenues Date & History

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TREE Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 30, 2025	2025 (Q3)	0.64 / -	-4.34	―	―	―
Jul 31, 2025	2025 (Q2)	0.38 / 0.65	0.58	12.07% (+0.07)	―
May 01, 2025	2025 (Q1)	0.20 / -0.92	0.08	-1250.00% (-1.00)	―
Mar 05, 2025	2024 (Q4)	-0.09 / 0.55	0.98	-43.88% (-0.43)	―
Oct 31, 2024	2024 (Q3)	0.08 / -4.34	-11.43	62.03% (+7.09)	―
Jul 25, 2024	2024 (Q2)	0.21 / 0.58	-0.01	5900.00% (+0.59)	―
Apr 30, 2024	2024 (Q1)	-0.09 / 0.08	1.04	-92.31% (-0.96)	―
Feb 27, 2024	2023 (Q4)	-0.05 / 0.98	-0.81	220.99% (+1.79)	―
Oct 31, 2023	2023 (Q3)	-0.27 / -11.43	-12.44	8.12% (+1.01)	―
Jul 27, 2023	2023 (Q2)	-0.37 / -0.01	-0.63	98.41% (+0.62)	―

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
Jul 31, 2025	$46.68	$49.47	+5.98%
May 01, 2025	$54.12	$43.22	-20.14%
Mar 05, 2025	$40.27	$49.34	+22.52%
Oct 31, 2024	$57.03	$45.15	-20.83%

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.