GET DAILY SIGNALSLendingTree (TREE) Reports +11.6% Revenue Growth in Q3 With Mixed Guidance
Key Takeaways
- LendingTree reported third-quarter 2026 revenue of $343.6 million, up 11.6% year over year and above analyst consensus estimates of roughly $329.6 million.
- The company posted a GAAP net loss of $72.4 million, or $5.15 per diluted share, driven primarily by a $98.8 million non-cash goodwill impairment charge in its Home and Consumer segments.
- Adjusted EBITDA (earnings before interest, taxes, depreciation, and amortization) reached $39.6 million, beating consensus estimates and reflecting the tenth consecutive quarter of double-digit revenue growth.
- Fourth-quarter revenue guidance of $315–$325 million came in below consensus expectations, while full-year adjusted EBITDA guidance was raised to $151–$153 million.
- The company repaid $60 million of long-term debt during the quarter and said it intends to repurchase shares in Q4 for the first time since early 2022.
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Why the Quarter Matters
LendingTree's third-quarter 2026 results provide a useful window into how its diversified online marketplace is holding up while mortgage and home lending conditions stay difficult. Insurance once again led the way with 15% revenue growth, the Consumer segment showed early recovery in small business lending, and Home revenue benefited from a 20% increase in home equity activity. In my view, the results test whether the shift away from rate-sensitive mortgage products can support continued growth even with elevated long-term interest rates. The softer fourth-quarter revenue outlook adds some near-term caution.
Breaking Down the Reported Numbers
LendingTree posted total revenue of $343.6 million for the third quarter, an 11.6% increase from $307.8 million a year ago and ahead of the roughly $329.6 million consensus. On a GAAP basis the company recorded a net loss of $72.4 million, or $5.15 per diluted share, versus net income of $10.2 million in the prior-year quarter. The move to a loss stemmed from a $98.8 million non-cash goodwill impairment related to the Home and Consumer segments rather than any shift in operating fundamentals.
Adjusted EBITDA came in at $39.6 million, above the consensus estimate of about $34.95 million. Variable marketing margin reached $94.9 million. Segment performance showed Insurance revenue up 15% to $234.9 million, Consumer revenue up 2% to $67.2 million, and Home revenue up 9% to $41.5 million. I also checked this using Tickeron’s AI Screener to see how the stock compares to others in the industry.
How the Market Responded
Shares of TREE rose about 2.3% to $29.63 in after-hours trading after the release. Investors appeared to balance the solid revenue and adjusted EBITDA beats against the large non-cash charge and the softer fourth-quarter outlook. Management’s plan to begin share repurchases in the fourth quarter—its first since early 2022—was seen as a positive signal on valuation, though the lower revenue guidance kept sentiment somewhat mixed on near-term momentum.
What to Watch Going Forward
Looking ahead, LendingTree guided to fourth-quarter revenue of $315–$325 million, below the consensus of about $339.6 million, while raising full-year 2026 adjusted EBITDA guidance to $151–$153 million. This suggests management expects margins to stay resilient even as revenue growth moderates.
Several areas deserve attention. The Insurance segment remains the primary growth driver, so monitoring carrier demand and the new bidding platform will be useful. The Consumer segment’s small business lending recovery, which grew about 20% sequentially, will matter for restoring segment profitability. Home segment performance will hinge on continued strength in home equity lending, which is less sensitive to long-term rates. Finally, the pace of debt reduction and the resumption of share repurchases will influence views on capital returns.
AI Tools in My Research Process
I’ve found Tickeron’s AI Screener to be a practical addition when reviewing earnings-driven names like this one. It lets me quickly filter for technical patterns, fundamentals, and performance metrics across thousands of stocks and ETFs, which helps surface comparable setups and context without spending hours on manual work. The customizable filters for industry, volatility, and AI signals make it straightforward to cross-check ideas after a report like this.
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Contributor
Sergey Savastiouk, Ph.D. has a degree in Applied Mathematics from Moscow University and has extensive experience as an entrepreneur, investor, manager, and mathematician. His professional expertise is in applied mathematics, mathematical modeling, system and pattern analysis, and software and hardware system integration. He has served as the CEO of several hi-tech start-up companies and nonprofit organizations, which has given him proven capabilities in business strategy for high-tech start-up companies, market assessment, company formation, team building, product development, marketing, and sales. He has published numerous articles in journals and magazines on related fields. As a retail investor, he spent 15 years developing his proprietary trading and quantitative algorithms (now Tickeron’s A.I.), which brought him significant returns in trading the stock market. His current work and goal in founding Tickeron is to bring professional, sophisticated stock market analysis capabilities to retail investors via an easy-to-use interface.
TREE in downward trend: price may decline as a result of having broken its higher Bollinger Band on November 03, 2026
TREE broke above its upper Bollinger Band on November 03, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options. The A.I.dvisor looked at 37 similar instances where the stock broke above the upper band. In 33 of the 37 cases the stock fell afterwards. This puts the odds of success at 89%.
Technical Analysis (Indicators)
Bearish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 3 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where TREE declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 87%.
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 15, 2026. You may want to consider a long position or call options on TREE as a result. In 66 of 76 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 87%.
TREE moved above its 50-day moving average on October 29, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for TREE crossed bullishly above the 50-day moving average on October 30, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 12 of 15 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 80%.
Following a +6.94% 3-day Advance, the price is estimated to grow further. Considering data from situations where TREE advanced for three days, in 246 of 307 cases, the price rose further within the following month. The odds of a continued upward trend are 80%.
The Aroon Indicator entered an Uptrend today. In 136 of 191 cases where TREE Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 71%.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 15 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Valuation Rating of 22 (best 1 - 100 worst) indicates that the company is slightly undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.264) is normal, around the industry mean (2.673). P/E Ratio (2.166) is within average values for comparable stocks, (18.899). Projected Growth (PEG Ratio) (3.549) is also within normal values, averaging (8.322). Dividend Yield (0.139) settles around the average of (0.042) among similar stocks. P/S Ratio (0.301) is also within normal values, averaging (2.968).
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Price Growth Rating for this company is 63 (best 1 - 100 worst), indicating fairly steady price growth. TREE’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron PE Growth Rating for this company is 97 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. TREE’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 85, placing this stock worse than average.
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General Information
a provider of online mortgage lending services
Industry InsuranceBrokersServices