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SEGMENT INFORMATION | 12 Months Ended
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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
| Home | Consumer | Insurance | Other | Total
| (in thousands)
Revenue | $ | 151,764 |  | $ | 253,370 |  | $ | 711,880 |  | $ | 310 |  | $ | 1,117,324 |
Segment cost of revenue and marketing expense | 103,421 |  | 123,922 |  | 537,463 |  | 471 |  | 765,277 |
Segment profit (loss) | 48,343 |  | 129,448 |  | 174,417 |  | (161) |  | 352,047 |
Cost of revenue |  |  |  |  | 42,525 |
Brand and other marketing expense |  |  |  |  | 47,627 |
General and administrative expense |  |  |  |  | 112,888 |
Product development |  |  |  |  | 45,251 |
Depreciation |  |  |  |  | 16,459 |
Amortization of intangibles |  |  |  |  | 5,190 |
Restructuring and severance |  |  |  |  | 1,633 |
Litigation settlements and contingencies |  |  |  |  | 15,661 |
Operating income |  |  |  |  | 64,813 |
Interest expense, net |  |  |  |  | (46,787) |
Other income |  |  |  |  | 2,998 |
Income before income taxes |  |  |  |  | $ | 21,024 |
| Year Ended December 31, 2024
| Home | Consumer | Insurance | Other | Total
| (in thousands)
Revenue | $ | 128,854 |  | $ | 222,462 |  | $ | 548,704 |  | $ | 199 |  | $ | 900,219 |
Segment cost of revenue and marketing expense | 88,958 |  | 111,925 |  | 389,474 |  | 294 |  | 590,651 |
Segment profit (loss) | 39,896 |  | 110,537 |  | 159,230 |  | (95) |  | 309,568 |
Cost of revenue |  |  |  |  | 36,072 |
Brand and other marketing expense |  |  |  |  | 45,312 |
General and administrative expense |  |  |  |  | 108,705 |
Product development |  |  |  |  | 46,358 |
Depreciation |  |  |  |  | 18,300 |
Amortization of intangibles |  |  |  |  | 5,889 |
Restructuring and severance |  |  |  |  | 508 |
Litigation settlements and contingencies |  |  |  |  | 3,797 |
Operating income |  |  |  |  | 44,627 |
Interest expense, net |  |  |  |  | (27,849) |
Other expense |  |  |  |  | (54,162) |
Loss before income taxes |  |  |  |  | $ | (37,384) |
| Year Ended December 31, 2023
| Home | Consumer | Insurance | Other | Total
| (in thousands)
Revenue | $ | 143,753 |  | $ | 278,945 |  | $ | 249,605 |  | $ | 199 |  | $ | 672,502 |
Segment cost of revenue and marketing expense | 95,871 |  | 140,068 |  | 146,101 |  | 708 |  | 382,748 |
Segment profit (loss) | 47,882 |  | 138,877 |  | 103,504 |  | (509) |  | 289,754 |
Cost of revenue |  |  |  |  | 38,758 |
Brand and other marketing expense |  |  |  |  | 50,840 |
General and administrative expense |  |  |  |  | 117,700 |
Product development |  |  |  |  | 47,197 |
Depreciation |  |  |  |  | 19,070 |
Amortization of intangibles |  |  |  |  | 7,694 |
Goodwill impairment |  |  |  |  | 38,600 |
Restructuring and severance |  |  |  |  | 10,118 |
Litigation settlements and contingencies |  |  |  |  | 388 |
Operating loss |  |  |  |  | (40,611) |
Interest income, net |  |  |  |  | 21,685 |
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.

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- Definition The entire disclosure for reporting segments including data and tables. 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