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SEGMENT INFORMATION
 12 Months Ended
Dec. 31, 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 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 such as credit repair and debt settlement. The credit repair business was closed at the end of the second quarter of 2023. In the fourth quarter of 2024, the Company made the decision to cease offering its student loan products. The Insurance segment consists of insurance quote products and sales of insurance policies in our 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 cost of revenue and 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.
Year Ended December 31, 2025
HomeConsumerInsuranceOtherTotal
(in thousands)
Revenue$151,764 $253,370 $711,880 $310 $1,117,324 
Segment cost of revenue and marketing expense103,421 123,922 537,463 471 765,277 
Segment profit (loss)48,343 129,448 174,417 (161)352,047 
Cost of revenue42,525 
Brand and other marketing expense47,627 
General and administrative expense112,888 
Product development45,251 
Depreciation16,459 
Amortization of intangibles5,190 
Restructuring and severance1,633 
Litigation settlements and contingencies15,661 
Operating income64,813 
Interest expense, net(46,787)
Other income2,998 
Income before income taxes$21,024 
Year Ended December 31, 2024
HomeConsumerInsuranceOtherTotal
(in thousands)
Revenue$128,854 $222,462 $548,704 $199 $900,219 
Segment cost of revenue and marketing expense88,958 111,925 389,474 294 590,651 
Segment profit (loss)39,896 110,537 159,230 (95)309,568 
Cost of revenue36,072 
Brand and other marketing expense45,312 
General and administrative expense108,705 
Product development46,358 
Depreciation18,300 
Amortization of intangibles5,889 
Restructuring and severance508 
Litigation settlements and contingencies3,797 
Operating income44,627 
Interest expense, net(27,849)
Other expense(54,162)
Loss before income taxes$(37,384)
Year Ended December 31, 2023
HomeConsumerInsuranceOtherTotal
(in thousands)
Revenue$143,753 $278,945 $249,605 $199 $672,502 
Segment cost of revenue and marketing expense95,871 140,068 146,101 708 382,748 
Segment profit (loss)47,882 138,877 103,504 (509)289,754 
Cost of revenue38,758 
Brand and other marketing expense50,840 
General and administrative expense117,700 
Product development47,197 
Depreciation19,070 
Amortization of intangibles7,694 
Goodwill impairment38,600 
Restructuring and severance10,118 
Litigation settlements and contingencies388 
Operating loss(40,611)
Interest income, net21,685 
Other expense(105,993)
Loss before income taxes$(124,919)
The CODM does not review information on segment assets and as such, no segment asset information is reported herein.