LendingTree Backs Privacy Act as Q4 Revenues Jump 22.2%
LendingTree backed the Homebuyers Privacy Protection Act, effective this week, mandating lenders using trigger leads to secure firm credit offers and consumer consent to limit abusive mortgage lead practices. It reported Q4 revenues of $319.7 million, up 22.2%, GAAP net income of $144.7 million and shares jumped 23.9%.
1. Support for Privacy Protection Act
LendingTree publicly supported the Homebuyers Privacy Protection Act, which amends the Fair Credit Reporting Act to require lenders using trigger leads to present firm credit offers and obtain consumer authorization, aiming to eliminate abusive, unsolicited mortgage lead practices and enhance borrower privacy.
2. Q4 Financial Performance
In fourth-quarter 2025, LendingTree posted revenues of $319.7 million, up 22.2% year-over-year, GAAP net income of $144.7 million ($10.27 per share) and an adjusted net loss of $0.39 per share versus a consensus earnings estimate of $0.90 per share.
3. Share Price Reaction
The mixed earnings result coincided with a 23.9% surge in LendingTree’s stock price, driven by record revenues, improved adjusted EBITDA and investor optimism about long-term growth potential despite higher expenses.
4. 2026 Outlook
For first-quarter 2026, the company forecasts revenues of $317–325 million, adjusted EBITDA of $39–41 million and a variable marketing margin of $94–99 million, while full-year 2026 revenue guidance ranges from $1.28–1.33 billion with adjusted EBITDA of $150–160 million.