2026 Q1 -tulosraportti
14 päivää sitten
‧23 min
Tarjoustasot
Määrä
Osto
-
Myynti
Määrä
-
Viimeisimmät kaupat
| Aika | Hinta | Määrä | Ostaja | Myyjä |
|---|---|---|---|---|
| - | - | - | - |
Välittäjätilasto
Dataa ei löytynyt
Yhtiötapahtumat
Datan lähde: FactSet, Quartr| Seuraava tapahtuma | |
|---|---|
2026 Q2 -tulosraportti 30.7. |
| Menneet tapahtumat | ||
|---|---|---|
2026 Q1 -tulosraportti 30.4. | ||
2025 Q4 -tulosraportti 2.3. | ||
2025 Q3 -tulosraportti 30.10.2025 | ||
2025 Q2 -tulosraportti 31.7.2025 | ||
2025 Q1 -tulosraportti 1.5.2025 |
Asiakkaat katsoivat myös
Foorumi
Liity keskusteluun Nordnet Socialissa
Kirjaudu
·2.4. · MuokattuI've been holding LendingTree for a while now, and after going through the Q4 figures and outlook, I decided to cut my losses and exit. The numbers aren't bad — but the catalyst is missing. Q4 2025 was actually a record for the company with $319 million in revenue, and management guides FY26 at $1.275–1.33 billion — well above analyst consensus. The insurance segment is performing well, and the Small Business initiative is showing good results. Analysts are optimistic with price targets around $72–81. The problem is macro. The entire growth hypothesis for what really matters — mortgages and refinancing — is dependent on interest rate cuts. And with inflation approaching 5% and a weak dollar, I don't see that catalyst coming. The company itself states that primary lending activity is near rock bottom, and that a shortage of refinancing candidates persists given current interest rate levels.  And in its own guidance, management emphasizes that they do not assume any changes in interest rate levels.  With tariff chaos, rising inflation, and no credible interest rate cuts in sight, I don't see the point in waiting. The capital is better utilized in companies with growth that is not dependent on macro shifts I don't believe in. Selling the entire position and rotating into core holdings. Has anyone else made the same assessment, or am I seeing this wrong?- ·13.1.🔹 PS: This post is written with the help of ChatGPT as an analysis tool. The content has been reviewed and adapted before posting. 🔹 📌 LendingTree (TREE) – status 2025 & outlook for 2026 2025 – update • 2025 was a restructuring year for LendingTree • Continued pressure on credit and mortgage volumes due to high interest rates • The company has focused heavily on cost cutting, efficiency, and profitability • Diversification outside mortgages (credit cards, personal loans, insurance) became more important • The margin situation gradually improved throughout the year • The business showed stabilization, but not a full growth comeback In short: less growth, but better control. ⸻ 2026 – summarized bull-scenario • Interest rate cuts will be a clear tailwind if/when they materialize • Increased refinancing and lending activity directly impacts TREE's model • The cost base is now lower → operational gearing with increased volume • The Marketplace model provides scalability without significant capital commitment • Normalization in the credit market can provide a strong earnings boost ⸻ Risk (brief) • Dependent on macro and interest rates • Competition from banks and fintech • Revenues can be volatile quarter to quarter ⸻ Conclusion LendingTree went through a challenging 2025, but is better equipped operationally. 2026 could be a clear turnaround year if the credit market normalizes and interest rates fall. This is a classic cyclical recovery case: high risk, but potentially significant upside if the macro picture turns around. 📈·3.3.Follow-up after Q4 report – some nuances from recent figures After taking a closer look at the Q4 2025 report, there are a couple of things worth adjusting/nuancing from the analysis above. 1. The result looks stronger than it actually is The net result of 144.7 MUSD is largely driven by a tax gain of ~146 MUSD.  Looking at underlying operations, one actually ends up with an adjusted EPS of -0.39 USD. 👉 In other words: still no real profitability in the quarter. ⸻ 2. Margin pressure is clearer than first assumed • VMM margin fell from 33 % → 29 % YoY  • Indicates higher costs for customer acquisition 👉 This pulls a bit in the opposite direction of the “better control” narrative. ⸻ 3. Insurance is even more important than previously described • Insurance: 214.6 MUSD of a total of 319.7 MUSD (~67 %)  • Growth of +25 % 👉 The case has practically become heavily dependent on one segment. ⸻ 4. At the same time – there are still positive aspects • Revenue growth of +22 % is solid • The Consumer segment is growing well (especially small business) • Debt ratio improves (2.4x vs 3.5x last year)  • EBITDA grows faster than VMM → sign of operational gearing ⸻ Summarized adjustment: The case still stands as a cyclical recovery-bet, but: • Profitability is weaker than the headline suggests • Margin pressure is a real challenge • Dependence on Insurance increases the risk 👉 I would still say: interesting case, but more “execution + macro”-dependent than first presented. ⸻ Disclaimer: Not financial advice. Do your own assessments.
Yllä olevat kommentit ovat peräisin Nordnetin sosiaalisen verkoston Nordnet Socialin käyttäjiltä, eikä niitä ole muokattu eikä Nordnet ole tarkastanut niitä etukäteen. Ne eivät tarkoita, että Nordnet tarjoaisi sijoitusneuvoja tai sijoitussuosituksia. Nordnet ei ota vastuuta kommenteista.
Uutiset
Ei uutisia tällä hetkellä
Tämän sivun uutiset ja/tai sijoitussuositukset tai otteet niistä sekä niihin liittyvät linkit ovat mainitun tahon tuottamia ja toimittamia. Nordnet ei ole osallistunut materiaalin laatimiseen, eikä ole tarkistanut sen sisältöä tai tehnyt sisältöön muutoksia. Lue lisää sijoitussuosituksista.
2026 Q1 -tulosraportti
14 päivää sitten
‧23 min
Uutiset
Ei uutisia tällä hetkellä
Tämän sivun uutiset ja/tai sijoitussuositukset tai otteet niistä sekä niihin liittyvät linkit ovat mainitun tahon tuottamia ja toimittamia. Nordnet ei ole osallistunut materiaalin laatimiseen, eikä ole tarkistanut sen sisältöä tai tehnyt sisältöön muutoksia. Lue lisää sijoitussuosituksista.
Foorumi
Liity keskusteluun Nordnet Socialissa
Kirjaudu
- ·2.4. · MuokattuI've been holding LendingTree for a while now, and after going through the Q4 figures and outlook, I decided to cut my losses and exit. The numbers aren't bad — but the catalyst is missing. Q4 2025 was actually a record for the company with $319 million in revenue, and management guides FY26 at $1.275–1.33 billion — well above analyst consensus. The insurance segment is performing well, and the Small Business initiative is showing good results. Analysts are optimistic with price targets around $72–81. The problem is macro. The entire growth hypothesis for what really matters — mortgages and refinancing — is dependent on interest rate cuts. And with inflation approaching 5% and a weak dollar, I don't see that catalyst coming. The company itself states that primary lending activity is near rock bottom, and that a shortage of refinancing candidates persists given current interest rate levels.  And in its own guidance, management emphasizes that they do not assume any changes in interest rate levels.  With tariff chaos, rising inflation, and no credible interest rate cuts in sight, I don't see the point in waiting. The capital is better utilized in companies with growth that is not dependent on macro shifts I don't believe in. Selling the entire position and rotating into core holdings. Has anyone else made the same assessment, or am I seeing this wrong?
- ·13.1.🔹 PS: This post is written with the help of ChatGPT as an analysis tool. The content has been reviewed and adapted before posting. 🔹 📌 LendingTree (TREE) – status 2025 & outlook for 2026 2025 – update • 2025 was a restructuring year for LendingTree • Continued pressure on credit and mortgage volumes due to high interest rates • The company has focused heavily on cost cutting, efficiency, and profitability • Diversification outside mortgages (credit cards, personal loans, insurance) became more important • The margin situation gradually improved throughout the year • The business showed stabilization, but not a full growth comeback In short: less growth, but better control. ⸻ 2026 – summarized bull-scenario • Interest rate cuts will be a clear tailwind if/when they materialize • Increased refinancing and lending activity directly impacts TREE's model • The cost base is now lower → operational gearing with increased volume • The Marketplace model provides scalability without significant capital commitment • Normalization in the credit market can provide a strong earnings boost ⸻ Risk (brief) • Dependent on macro and interest rates • Competition from banks and fintech • Revenues can be volatile quarter to quarter ⸻ Conclusion LendingTree went through a challenging 2025, but is better equipped operationally. 2026 could be a clear turnaround year if the credit market normalizes and interest rates fall. This is a classic cyclical recovery case: high risk, but potentially significant upside if the macro picture turns around. 📈·3.3.Follow-up after Q4 report – some nuances from recent figures After taking a closer look at the Q4 2025 report, there are a couple of things worth adjusting/nuancing from the analysis above. 1. The result looks stronger than it actually is The net result of 144.7 MUSD is largely driven by a tax gain of ~146 MUSD.  Looking at underlying operations, one actually ends up with an adjusted EPS of -0.39 USD. 👉 In other words: still no real profitability in the quarter. ⸻ 2. Margin pressure is clearer than first assumed • VMM margin fell from 33 % → 29 % YoY  • Indicates higher costs for customer acquisition 👉 This pulls a bit in the opposite direction of the “better control” narrative. ⸻ 3. Insurance is even more important than previously described • Insurance: 214.6 MUSD of a total of 319.7 MUSD (~67 %)  • Growth of +25 % 👉 The case has practically become heavily dependent on one segment. ⸻ 4. At the same time – there are still positive aspects • Revenue growth of +22 % is solid • The Consumer segment is growing well (especially small business) • Debt ratio improves (2.4x vs 3.5x last year)  • EBITDA grows faster than VMM → sign of operational gearing ⸻ Summarized adjustment: The case still stands as a cyclical recovery-bet, but: • Profitability is weaker than the headline suggests • Margin pressure is a real challenge • Dependence on Insurance increases the risk 👉 I would still say: interesting case, but more “execution + macro”-dependent than first presented. ⸻ Disclaimer: Not financial advice. Do your own assessments.
Yllä olevat kommentit ovat peräisin Nordnetin sosiaalisen verkoston Nordnet Socialin käyttäjiltä, eikä niitä ole muokattu eikä Nordnet ole tarkastanut niitä etukäteen. Ne eivät tarkoita, että Nordnet tarjoaisi sijoitusneuvoja tai sijoitussuosituksia. Nordnet ei ota vastuuta kommenteista.
Tarjoustasot
Määrä
Osto
-
Myynti
Määrä
-
Viimeisimmät kaupat
| Aika | Hinta | Määrä | Ostaja | Myyjä |
|---|---|---|---|---|
| - | - | - | - |
Välittäjätilasto
Dataa ei löytynyt
Asiakkaat katsoivat myös
Yhtiötapahtumat
Datan lähde: FactSet, Quartr| Seuraava tapahtuma | |
|---|---|
2026 Q2 -tulosraportti 30.7. |
| Menneet tapahtumat | ||
|---|---|---|
2026 Q1 -tulosraportti 30.4. | ||
2025 Q4 -tulosraportti 2.3. | ||
2025 Q3 -tulosraportti 30.10.2025 | ||
2025 Q2 -tulosraportti 31.7.2025 | ||
2025 Q1 -tulosraportti 1.5.2025 |
2026 Q1 -tulosraportti
14 päivää sitten
‧23 min
Uutiset
Ei uutisia tällä hetkellä
Tämän sivun uutiset ja/tai sijoitussuositukset tai otteet niistä sekä niihin liittyvät linkit ovat mainitun tahon tuottamia ja toimittamia. Nordnet ei ole osallistunut materiaalin laatimiseen, eikä ole tarkistanut sen sisältöä tai tehnyt sisältöön muutoksia. Lue lisää sijoitussuosituksista.
Yhtiötapahtumat
Datan lähde: FactSet, Quartr| Seuraava tapahtuma | |
|---|---|
2026 Q2 -tulosraportti 30.7. |
| Menneet tapahtumat | ||
|---|---|---|
2026 Q1 -tulosraportti 30.4. | ||
2025 Q4 -tulosraportti 2.3. | ||
2025 Q3 -tulosraportti 30.10.2025 | ||
2025 Q2 -tulosraportti 31.7.2025 | ||
2025 Q1 -tulosraportti 1.5.2025 |
Foorumi
Liity keskusteluun Nordnet Socialissa
Kirjaudu
- ·2.4. · MuokattuI've been holding LendingTree for a while now, and after going through the Q4 figures and outlook, I decided to cut my losses and exit. The numbers aren't bad — but the catalyst is missing. Q4 2025 was actually a record for the company with $319 million in revenue, and management guides FY26 at $1.275–1.33 billion — well above analyst consensus. The insurance segment is performing well, and the Small Business initiative is showing good results. Analysts are optimistic with price targets around $72–81. The problem is macro. The entire growth hypothesis for what really matters — mortgages and refinancing — is dependent on interest rate cuts. And with inflation approaching 5% and a weak dollar, I don't see that catalyst coming. The company itself states that primary lending activity is near rock bottom, and that a shortage of refinancing candidates persists given current interest rate levels.  And in its own guidance, management emphasizes that they do not assume any changes in interest rate levels.  With tariff chaos, rising inflation, and no credible interest rate cuts in sight, I don't see the point in waiting. The capital is better utilized in companies with growth that is not dependent on macro shifts I don't believe in. Selling the entire position and rotating into core holdings. Has anyone else made the same assessment, or am I seeing this wrong?
- ·13.1.🔹 PS: This post is written with the help of ChatGPT as an analysis tool. The content has been reviewed and adapted before posting. 🔹 📌 LendingTree (TREE) – status 2025 & outlook for 2026 2025 – update • 2025 was a restructuring year for LendingTree • Continued pressure on credit and mortgage volumes due to high interest rates • The company has focused heavily on cost cutting, efficiency, and profitability • Diversification outside mortgages (credit cards, personal loans, insurance) became more important • The margin situation gradually improved throughout the year • The business showed stabilization, but not a full growth comeback In short: less growth, but better control. ⸻ 2026 – summarized bull-scenario • Interest rate cuts will be a clear tailwind if/when they materialize • Increased refinancing and lending activity directly impacts TREE's model • The cost base is now lower → operational gearing with increased volume • The Marketplace model provides scalability without significant capital commitment • Normalization in the credit market can provide a strong earnings boost ⸻ Risk (brief) • Dependent on macro and interest rates • Competition from banks and fintech • Revenues can be volatile quarter to quarter ⸻ Conclusion LendingTree went through a challenging 2025, but is better equipped operationally. 2026 could be a clear turnaround year if the credit market normalizes and interest rates fall. This is a classic cyclical recovery case: high risk, but potentially significant upside if the macro picture turns around. 📈·3.3.Follow-up after Q4 report – some nuances from recent figures After taking a closer look at the Q4 2025 report, there are a couple of things worth adjusting/nuancing from the analysis above. 1. The result looks stronger than it actually is The net result of 144.7 MUSD is largely driven by a tax gain of ~146 MUSD.  Looking at underlying operations, one actually ends up with an adjusted EPS of -0.39 USD. 👉 In other words: still no real profitability in the quarter. ⸻ 2. Margin pressure is clearer than first assumed • VMM margin fell from 33 % → 29 % YoY  • Indicates higher costs for customer acquisition 👉 This pulls a bit in the opposite direction of the “better control” narrative. ⸻ 3. Insurance is even more important than previously described • Insurance: 214.6 MUSD of a total of 319.7 MUSD (~67 %)  • Growth of +25 % 👉 The case has practically become heavily dependent on one segment. ⸻ 4. At the same time – there are still positive aspects • Revenue growth of +22 % is solid • The Consumer segment is growing well (especially small business) • Debt ratio improves (2.4x vs 3.5x last year)  • EBITDA grows faster than VMM → sign of operational gearing ⸻ Summarized adjustment: The case still stands as a cyclical recovery-bet, but: • Profitability is weaker than the headline suggests • Margin pressure is a real challenge • Dependence on Insurance increases the risk 👉 I would still say: interesting case, but more “execution + macro”-dependent than first presented. ⸻ Disclaimer: Not financial advice. Do your own assessments.
Yllä olevat kommentit ovat peräisin Nordnetin sosiaalisen verkoston Nordnet Socialin käyttäjiltä, eikä niitä ole muokattu eikä Nordnet ole tarkastanut niitä etukäteen. Ne eivät tarkoita, että Nordnet tarjoaisi sijoitusneuvoja tai sijoitussuosituksia. Nordnet ei ota vastuuta kommenteista.
Tarjoustasot
Määrä
Osto
-
Myynti
Määrä
-
Viimeisimmät kaupat
| Aika | Hinta | Määrä | Ostaja | Myyjä |
|---|---|---|---|---|
| - | - | - | - |
Välittäjätilasto
Dataa ei löytynyt