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SEGMENT INFORMATION
 6 Months Ended
Jun. 30, 2025
Segment Reporting [Abstract]  
SEGMENT INFORMATION SEGMENT INFORMATION
The Company manages its business and reports its financial results through the following three operating and reportable segments: Home, Consumer, and Insurance. Characteristics which were relied upon in making the determination of the reportable segments include the nature of the products, the organization's internal structure, and the information that is regularly reviewed by the chief operating decision maker (the "CODM"), the Company's Chief Executive Officer, for the purpose of assessing performance and allocating resources.
The Home segment includes the following products: purchase mortgage, refinance mortgage, and home equity loans and lines of credit. The Consumer segment includes the following products: credit cards, personal loans, small business loans, auto loans, deposit accounts, and other credit products. The Insurance segment consists of insurance quote products and sales of insurance policies in the agency businesses. The insurance agency business was closed in the second quarter of 2025.
The following tables are a reconciliation of segment profit, which is the Company's primary segment profitability measure, to income before income taxes. Segment marketing expense represents the portion of selling and marketing expense attributable to variable costs paid for advertising, direct marketing and related expenses, that are directly attributable to the segments' products. This measure excludes overhead, fixed costs and personnel-related expenses.
Three Months Ended June 30, 2025
HomeConsumerInsuranceOtherTotal
(in thousands)
Revenue$40,418 $62,519 $147,157 $22 $250,116 
Segment marketing expense27,362 30,449 107,161 34 165,006 
Segment profit (loss)13,056 32,070 39,996 (12)85,110 
Cost of revenue10,029 
Brand and other marketing expense11,747 
General and administrative expense25,034 
Product development11,473 
Depreciation4,241 
Amortization of intangibles1,307 
Restructuring and severance357 
Litigation settlements and contingencies(2)
Operating income20,924 
Interest expense, net(10,402)
Other income248 
Income before income taxes$10,770 
Three Months Ended June 30, 2024
HomeConsumerInsuranceOtherTotal
(in thousands)
Revenue$32,166 $55,901 $122,071 $2 $210,140 
Segment marketing expense22,877 28,989 85,706 80 137,652 
Segment profit (loss)9,289 26,912 36,365 (78)72,488 
Cost of revenue8,411 
Brand and other marketing expense10,735 
General and administrative expense27,118 
Product development10,374 
Depreciation4,601 
Amortization of intangibles1,467 
Restructuring and severance202 
Litigation settlements and contingencies(7)
Operating income9,587 
Interest expense, net(1,201)
Other income1,052 
Income before income taxes$9,438 
Six Months Ended June 30, 2025
HomeConsumerInsuranceOtherTotal
(in thousands)
Revenue$77,437 $118,552 $293,809 $46 $489,844 
Segment marketing expense51,235 59,345 215,103 70 325,753 
Segment profit (loss)26,202 59,207 78,706 (24)164,091 
Cost of revenue19,937 
Brand and other marketing expense23,751 
General and administrative expense55,694 
Product development23,377 
Depreciation8,538 
Amortization of intangibles2,614 
Restructuring and severance1,155 
Litigation settlements and contingencies15,210 
Operating income13,815 
Interest expense, net(19,486)
Other income1,636 
Loss before income taxes$(4,035)
Six Months Ended June 30, 2024
HomeConsumerInsuranceOtherTotal
(in thousands)
Revenue$62,609 $107,352 $207,943 $4 $377,908 
Segment marketing expense43,710 53,000 138,129 59 234,898 
Segment profit (loss)18,899 54,352 69,814 (55)143,010 
Cost of revenue16,956 
Brand and other marketing expense21,665 
General and administrative expense52,914 
Product development22,231 
Depreciation9,268 
Amortization of intangibles2,956 
Restructuring and severance225 
Litigation settlements and contingencies29 
Operating income16,766 
Interest expense, net(7,839)
Other income2,086 
Income before income taxes$11,013