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LendingTree (TREE) investor relations material
LendingTree Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Achieved sixth consecutive quarter of year-over-year revenue growth, with Q3 2025 revenue at $307.8 million and net income of $10.2 million, following the sudden passing of the founder and a leadership transition.
All three segments—Home, Consumer, and Insurance—contributed to revenue growth, with Insurance up 20%, Home up 18%, and Consumer up 11% year-over-year.
Adjusted EBITDA for Q3 2025 was $39.8 million, up 48% year-over-year, and adjusted net income per share was $1.70.
The company repaid its 0.50% Convertible Senior Notes and refinanced its credit facilities, entering a new $475 million credit facility in August 2025.
Focus on leveraging AI and technology to enhance consumer experience and operational efficiency.
Financial highlights
Q3 2025 revenue reached $307.8 million, up 18% year-over-year, with net income of $10.2 million versus a $58.0 million net loss in Q3 2024.
Adjusted EBITDA for Q3 2025 was $39.8 million (13% of revenue), and variable marketing margin grew 21% to $93.2 million.
Net leverage at quarter-end was 2.6x, down from 4.4x a year ago.
Cash and cash equivalents at September 30, 2025, were $68.6 million, down from $106.6 million at December 31, 2024.
Q3 2025 EPS was $0.75 basic and $0.73 diluted, compared to $(4.34) in Q3 2024.
Outlook and guidance
Full-year 2025 revenue expected between $1.08 and $1.09 billion, with variable marketing margin guidance of $337–$340 million and adjusted EBITDA forecasted at $126–$128 million.
Management expects continued strength in the Insurance and small business segments into 2026, with robust carrier demand.
Anticipates increased general and administrative expense of $3.3–$5.9 million in Q4 2025 due to CEO transition.
Cash flows and liquidity are expected to be sufficient for operating needs for the next twelve months and beyond.
Home equity growth positions the company for a potential mortgage refinance boom if rates fall to around 5.75%.
Detail the strategic continuity post-CEO passing.
What was the rationale for closing the insurance agency?
How will increased financial flexibility be utilized?
GenAI strategy and SEO turbulence impact
Capital allocation priorities with improved balance sheet?
Home segment's refi boom preparation
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Next LendingTree earnings date
Q4 202527 Feb, 2026
Next LendingTree earnings date
Q4 202527 Feb, 2026
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Frequently asked questions
LendingTree Inc is an online financial services marketplace that connects consumers with lenders and financial service providers. The company offers tools for comparing loans, credit cards, insurance, and banking products. It generates revenue through lead generation and referral services. LendingTree Inc is headquartered in Charlotte, North Carolina, and its shares are listed on the NASDAQ.
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