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Did LendingTree beat or miss consensus estimates last quarter?

- **Record Revenue Growth**: $308M Q3 revenue, second highest in company history, driven by double-digit growth across all segments.
- **Insurance Dominance**: 4-10th largest carriers increased spend by 60% YoY, signaling sustained industry health.
- **Consumer Strength**: Small business loans up 30% YoY; credit card margins returning to historical levels.
- **Balance Sheet Flexibility**: Debt leverage at 2.6x, with focus on debt repayment and selective M&A.
- **AI & SEO Evolution**: AI-driven traffic shows 4-5x higher conversion rates; legacy SEO volatility offset by strong paid search performance.

**【Management Opening Remarks】**
- Andrew Wessel introduced the call, noting the release of the shareholder letter and emphasizing Q&A focus.

**【CEO Commentary】**
- **Revenue Performance**: Q3 2025 revenue of $308 million, second highest in company history, with all three segments (Insurance, Consumer, Home) growing 10%+ YoY.
- **Segment Highlights**: 
  - **Insurance**: Retaken market leadership; 4-10th largest carriers increased spend by 60% YoY, driving VMD growth.
  - **Consumer**: Small business loans up 30% YoY, boosted by concierge sales; credit card margins returning to historical levels.
  - **Home**: Home equity revenue +35% YoY despite sluggish housing market.
- **Strategic Focus**: AI-driven consumer experience, operational excellence, and balance sheet strength for future growth.
- **Doug Lebda Legacy**: Tribute to founder's vision and impact on company culture.

**【CFO Commentary】**
- **Capital Allocation**: 
  - Debt leverage reduced to 2.6x (from 4.4x YoY), prioritizing debt repayment (8%+ return) while exploring buybacks and M&A.
  - Focus on operating leverage and expense control to drive EBITDA growth.

**【Q&A Highlights】**
- **Consumer Segment**: 
  - Small business loans expected to remain high-margin growth driver.
  - Credit card business healthy, positioned for 2026 growth.
- **Insurance Sustainability**: Industry profitability supports carrier spending; Q3 VMD up $8M sequentially, with 2026 outlook for strong growth.
- **Mortgage Outlook**: Refinance boom potential if rates drop to 5.75%; lenders staffing up for home equity to capitalize on future refi demand.
- **SEO & AI**: Legacy SEO volatility, but paid search strong; AI-driven traffic shows 4-5x higher conversion rates.
- **Home & Health Insurance**: 
  - Home insurance VMD +80% YoY (20% of insurance revenue).
  - Health insurance VMD +41% YoY (10% of insurance revenue).

LendingTree, Inc. (TREE) Q3 2025 Earnings Call Transcript

Revenue

Sales and Services Revenue

Financing Services Revenue

Other Revenue

Cost of Revenue

Cost of Goods and Services

Cost of Financing Services

Other Cost

Gross Profit

Other Operating Income

Operating Expenses

Selling, General and Administrative Expenses

Selling and Marketing Expenses

General and Administrative Expenses

Research and Development Expenses

Loss on Bad Debts

Loss on Impairment of Other Assets

Loss on Disposal of Assets

Other Operating Expenses

Operating Income

Non-Operating Income (Loss)

Income (Loss) from Affiliates

Income (Loss) from Associates

Income (Loss) from Joint ventures

Gain (Loss) on Other Investment

Gain (Loss) on Change in Fair Value

Gain (Loss) on Foreign Currency Exchange

Other Non-Operating Income (Loss)

Net Interest Expense

Interest Expense

Interest Income

Pretax Income From Continuing Operations

Income Tax Expense

Current Income Tax

Deferred Income Tax

Income Tax Adjustments

Net Income from Continuing Operations

Income from Discontinued Operations

Other Items Before Net Income

Net Income

Net Income Attributable to Minority Interests

Net Income Attributable to Owners of the Company

Preferred Stock Dividends

Other Adjustments

Net Income Attributable to Common Stockholders

Other Comprehensive Income

Total Comprehensive Income

Total Comprehensive Income Attributable to Minority Interests

Total Comprehensive Income Attributable to Owners of the Company

Basic EPS

Basic EPS from Continuing Operations

Basic EPS from Discontinued Operations

Diluted EPS

Diluted EPS from Continuing Operations

Diluted EPS from Discontinued Operations

TREE

TREE fundamentals

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