SEGMENT INFORMATION

9 Months Ended

Sep. 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 September 30, 2025
	Home		Consumer		Insurance		Other		Total
	(in thousands)
Revenue	$	38,109	$	66,173	$	203,512	$	(2)	$	307,792
Segment marketing expense	26,327		30,970		155,864		68		213,229
Segment profit (loss)	11,782		35,203		47,648		(70)		94,563
Cost of revenue									11,017
Brand and other marketing expense									11,822
General and administrative expense									26,229
Product development									11,297
Depreciation									3,995
Amortization of intangibles									1,288
Restructuring and severance									80
Litigation settlements and contingencies									69
Operating income									28,766
Interest expense, net									(17,907)
Other income									732
Income before income taxes									$	11,591

	Three Months Ended September 30, 2024
	Home		Consumer		Insurance		Other		Total
	(in thousands)
Revenue	$	32,248	$	59,474	$	169,065	$	2	$	260,789
Segment marketing expense	22,993		31,491		127,622		45		182,151
Segment profit (loss)	9,255		27,983		41,443		(43)		78,638
Cost of revenue									9,372
Brand and other marketing expense									11,391
General and administrative expense									26,680
Product development									11,190
Depreciation									4,584
Amortization of intangibles									1,466
Restructuring and severance									273
Litigation settlements and contingencies									3,762
Operating income									9,920
Interest expense, net									(10,060)
Other expense									(57,391)
Loss before income taxes									$	(57,531)

	Nine Months Ended September 30, 2025
	Home		Consumer		Insurance		Other		Total
	(in thousands)
Revenue	$	115,546	$	184,725	$	497,321	$	44	$	797,636
Segment marketing expense	77,562		90,315		370,967		138		538,982
Segment profit (loss)	37,984		94,410		126,354		(94)		258,654
Cost of revenue									30,954
Brand and other marketing expense									35,573
General and administrative expense									81,923
Product development									34,674
Depreciation									12,533
Amortization of intangibles									3,902
Restructuring and severance									1,235
Litigation settlements and contingencies									15,279
Operating income									42,581
Interest expense, net									(37,393)
Other income									2,368
Income before income taxes									$	7,556

	Nine Months Ended September 30, 2024
	Home		Consumer		Insurance		Other		Total
	(in thousands)
Revenue	$	94,857	$	166,826	$	377,008	$	6	$	638,697
Segment marketing expense	66,703		84,491		265,751		104		417,049
Segment profit (loss)	28,154		82,335		111,257		(98)		221,648
Cost of revenue									26,328
Brand and other marketing expense									33,056
General and administrative expense									79,594
Product development									33,421
Depreciation									13,852
Amortization of intangibles									4,422
Restructuring and severance									498
Litigation settlements and contingencies									3,791
Operating income									26,686
Interest expense, net									(17,899)
Other expense									(55,305)
Loss before income taxes									$	(46,518)