Lendingtree Inc
NASDAQ:TREE

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Lendingtree Inc
NASDAQ:TREE
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Price: 56.03 USD 2.13% Market Closed
Market Cap: 765.9m USD

Lendingtree Inc
Investor Relations

LendingTree, Inc. engages in the operation of an online loan marketplace for consumers seeking loans and other credit-based offerings. The company is headquartered in Charlotte, North Carolina and currently employs 1,407 full-time employees. The company went IPO on 2000-02-16. The company offers consumers tools and resources, including free credit scores, that facilitate comparison-shopping for mortgage loans, home equity loans and lines of credit, reverse mortgage loans, auto loans, credit cards, deposit accounts, personal loans, student loans, small business loans, insurance quotes and other related offerings. The company manages its business through three operating and reportable segments: Home, Consumer and Insurance. The Home segment includes products, such as purchase mortgage, refinance mortgage, home equity loans and lines of credit, reverse mortgage loans, and real estate. The Consumer segment includes credit cards, personal loans, small business loans, student loans, auto loans, deposit accounts, and other credit products such as credit repair and debt settlement. The Insurance segment consists of insurance quote products.

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Last Earnings Call
Fiscal Period
Q3 2025
Call Date
Oct 30, 2025
AI Summary
Q3 2025

Strong Revenue: LendingTree reported Q3 revenue of $308 million, its second highest in company history, with all three segments showing double-digit year-over-year growth.

Sustained Growth: This marks the sixth consecutive quarter of revenue growth, driven by diversification and strength in insurance, consumer, and home segments.

Insurance Leadership: LendingTree has retaken a leadership position in the insurance marketplace, with spend from carriers outside the top three up nearly 60% year-over-year.

Consumer & Small Business: The Consumer segment saw 26% VMD growth and 11% revenue growth, with small business revenue up 50%, driven by a concierge sales strategy.

Improved Margins: Consumer VMM is at record annualized margins, attributed primarily to high-margin small business growth and margin improvements in credit cards.

Balance Sheet & Capital Allocation: Leverage reduced to 2.6x from 4.4x a year ago; priority remains paying down debt but share buybacks and selective M&A are being considered.

Positive Outlook: Management expressed confidence in continued growth, citing macro strength in insurance, steady consumer expansion, and potential for mortgage upside if rates decline.

Key Financials
Revenue
$308 million
Insurance Carrier Spend (Rank 4–10)
Up nearly 60% vs prior year
Consumer VMD Growth
26%
Consumer Revenue Growth
11%
Small Business Revenue Growth
50%
Number of Small Business Loans Closed
Up 30% vs last year
Home Equity Revenue Growth
35%
Home Insurance VMD Growth
80%
Home Insurance VMD Share
Just under 20% of insurance business
Health Insurance VMD Growth
41%
Health Insurance VMD Share
Just over 10% of insurance business
Leverage Ratio
2.6x
Earnings Call Recording
Other Earnings Calls

Management

Mr. Douglas R. Lebda
Founder, Chairman & CEO
No Bio Available
Mr. Scott Peyree
COO & President of Marketplace Businesses
No Bio Available
Mr. Scott Totman
Chief Technology Officer
No Bio Available
Ms. Jill A. Olmstead
Chief Human Resources Officer
No Bio Available
Mr. Jason Bengel
Chief Financial Officer
No Bio Available
Ms. Carla Shumate CPA
Senior VP & Chief Accounting Officer
No Bio Available
Mr. Andrew N. Wessel
SVP of Investor Relations & Corporate Development
No Bio Available
Ms. Heather Enlow-Novitsky
General Counsel & Corporate Secretary
No Bio Available
Ms. Megan Greuling
VP, Head of Corporate Communications & Director of PR
No Bio Available
Ms. Tamara Kotronis
Senior Vice President of Finance
No Bio Available

Contacts

Address
NORTH CAROLINA
Charlotte
1415 Vantage Park Drive, Suite 700, .
Contacts