LendingTree (NASDAQ:TREE) shares jumped 22.67% to $49.40 as of 14:42 ET on Thursday, after the company posted Q4 results that beat expectations, driven by broad revenue growth across all segments, particularly in insurance.

• Warning! GuruFocus has detected 3 Warning Signs with TREE.

Q4 adjusted EPS came in at $1.16, more than double the $0.53 analyst estimate and up from $0.28 a year ago. Revenue soared 95% year-over-year to $261.5 million, surpassing the $238.1 million consensus.

Segment Breakdown:

• Insurance revenue surged 188% to $171.7M
• Home segment revenue grew 35% to $34.0M
• Consumer segment revenue climbed 12% to $55.6M

For Q1 2025, LendingTree expects revenue between $241M-$248M, in line with the $242.7M analyst estimate, and adjusted EBITDA of $25M-$27M, close to the $26.3M consensus.

For the full year, the company forecasts revenue growth of 9%-14% to $985M-$1.025B, with double-digit gains in Home and Consumer segments and modest growth in Insurance after a record year.

Management also emphasized expense discipline and improving leverage, with CFO Jason Bengel stating that the company aims to lower its cost of capital and boost free cash flow conversion.