LENDINGTREE REPORTS FOURTH QUARTER 2025 RESULTS

Core Insights - LendingTree reported a record revenue of $319.7 million for Q4 2025, marking a 22% increase from Q4 2024 [1] - The company achieved an adjusted EBITDA of $36.7 million, reflecting a 14% year-over-year growth [1] - The Insurance segment continued to perform strongly, contributing significantly to the overall revenue growth [1] Financial Performance - GAAP net income for Q4 2025 was $144.7 million, or $10.27 per diluted share, boosted by a $146.4 million tax benefit [1] - Variable marketing margin (VMM) reached $92.0 million, the second highest Q4 performance in the company's history [1] - Total revenue for the full year 2025 was $1,117.3 million, compared to $900.2 million in 2024 [2] Segment Analysis - Consumer segment revenue increased by 23% year-over-year to $68.6 million, with personal loans revenue growing by 10% [1] - The Insurance segment generated $214.6 million in revenue, a 25% increase from the previous year [1] - Home segment revenue was $36.2 million, a 6% increase over Q4 2024, but segment profit decreased by 11% [2] Future Outlook - For Q1 2026, the company projects adjusted EBITDA between $39 million and $41 million, with revenue expected to be between $317 million and $325 million [2] - Full-year 2026 revenue is forecasted to be between $1,275 million and $1,330 million, with a targeted investment in brand marketing [2] - The company aims for a long-term adjusted EBITDA growth rate in the double digits, targeting an AEBITDA/VMM of 45%-50% [2]