Tree.com Posts $0.39 Q4 Loss, Beats Revenue Estimates by 11.5%
Tree.com posted a Q4 adjusted loss of $0.39 per share versus a $0.90 expected loss, marking a -143.3% earnings surprise compared with $1.16 EPS in Q4 2024. Revenues rose 22% to $319.7 million, beating estimates by 11.5%, while shares have slid 29.6% year-to-date.
1. Q4 Earnings and Surprise
Tree.com reported an adjusted loss of $0.39 per share for the quarter ended December 2025, against an anticipated loss of $0.90 per share, resulting in a negative earnings surprise of 143.3%. This follows a $1.16 profit per share in the year-ago period and marks the only miss in four consecutive quarters of consensus EPS results.
2. Revenue Performance
The company generated $319.69 million in Q4 revenue, up 22% from $261.5 million a year earlier, exceeding consensus projections by 11.5%. This represents Tree.com’s second revenue beat in the past four quarters, underscoring sustained top-line momentum.
3. Stock Performance and Outlook
Tree.com shares have fallen 29.6% since January 1, far underperforming the S&P 500’s 0.5% gain over the same period. Analysts forecast $0.87 EPS on $272.35 million in revenue for the next quarter and $4.77 EPS on $1.15 billion for the full fiscal year, while the mortgage services industry sits in the bottom 9% of peers by performance.