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Dec 31, 2024
LendingTree Q4 2024 Earnings Report
LendingTree reported strong Q4 2024 results with significant revenue growth across all segments.
Key Takeaways
LendingTree reported Q4 2024 revenue of $261.5 million, a 95% year-over-year increase. Net income was $7.5 million, or $0.55 per diluted share, while adjusted EPS stood at $1.16. The Insurance segment saw substantial growth of 188%, contributing to the strong financial performance. Variable marketing margin reached $86.7 million, and adjusted EBITDA was $32.2 million.
Total revenue increased 95% year-over-year to $261.5 million.
Net income reached $7.5 million, with an EPS of $0.55.
Insurance segment revenue grew 188% year-over-year to $171.7 million.
Adjusted EBITDA totaled $32.2 million, up 108% from the prior year.
LendingTree
LendingTree
LendingTree Revenue by Segment
Revenue by Segment
Home Revenue
CapyFin.comInsurance Revenue
CapyFin.com Forward Guidance
LendingTree expects continued revenue growth in 2025, with strong performance across its Home, Consumer, and Insurance segments.
Positive Outlook
- Full-year 2025 revenue expected to reach $985 - $1,025 million, a 9% to 14% increase.
- Variable marketing margin projected to grow 5% to 10% year-over-year.
- Adjusted EBITDA forecasted to increase 11% to 21% to $116 - $126 million.
- Home and Consumer segments expected to see double-digit growth in 2025.
- Continued focus on expense discipline to drive scalable revenue growth.
Challenges Ahead
- Moderate growth forecasted for Insurance segment after a record 2024.
- Potential macroeconomic challenges affecting consumer loan demand.
- Fluctuations in marketing efficiency could impact variable margin.
- Interest rate environment remains a risk for mortgage-related products.
- Higher competition in digital financial services could pressure margins.