Press Release: The Real Brokerage Inc. Announces Fourth Quarter and Full Year 2025 Financial Results

Dow Jones
Mar 04
MIAMI--(BUSINESS WIRE)--March 04, 2026-- 

The Real Brokerage Inc. (NASDAQ: REAX) ("Real" or the "Company"), a leading real estate technology platform redefining the industry through innovation and culture, announced today financial results for the fourth quarter and full year ended December 31, 2025.

"Real delivered strong fourth quarter results, with revenue increasing 44% year-over-year and closed transactions growing 38%," said Tamir Poleg, Chairman and Chief Executive Officer. "We ended 2025 with revenue up 56% for the full year and 31,739 agents on our platform, reflecting continued organic share gains despite a tepid housing environment. Our differentiated agent value proposition and expanding ecosystem of products and services continue to attract productive agents seeking greater flexibility, technology, and financial opportunity."

"Throughout 2025, we scaled our platform with discipline, with growth in revenue and gross profit outpacing growth in operating expenses," said Jenna Rozenblat, Chief Operating Officer. "As we enter 2026, we remain focused on investing in technology and expanding adoption of our ancillary services to enhance agent productivity and deepen engagement across our network."

"In 2025, we generated $65.9 million of cash from operating activities and ended the year with $49.9 million of unrestricted cash and short-term investments and no debt," said Ravi Jani, Chief Financial Officer. "We repurchased $39.4 million of common shares during the year while continuing to invest in platform innovation and ancillary expansion. Looking ahead, we remain focused on driving organic growth, expanding margins, and allocating capital to generate long-term value."

Q4 2025 Financial Highlights(1)

   --  Revenue rose to $505.1 million in the fourth quarter of 2025, an 
      increase of 44% from $350.6 million in the fourth quarter of 2024. 
 
   --  Gross profit reached $39.0 million in the fourth quarter of 2025, an 
      increase of 30% from $30.0 million in the fourth quarter of 2024. 
 
   --  Operating expenses totaled $44.3 million in the fourth quarter of 2025, 
      a 22% increase from $36.4 million in the fourth quarter of 2024. 
 
   --  Net loss attributable to owners of the Company improved to $(4.2) 
      million in the fourth quarter of 2025, compared to $(6.6) million in the 
      fourth quarter of 2024. 
 
   --  Basic and diluted loss per share was $(0.02) in the fourth quarter of 
      2025, compared to $(0.03) in the fourth quarter of 2024. 
 
   --  Adjusted EBITDA2 was $14.2 million in the fourth quarter of 2025, 
      compared to $9.1 million in the fourth quarter of 2024. 
 
   --  Revenue share expense, which is included in Marketing expenses, totaled 
      $14.6 million in the fourth quarter of 2025, a 53% increase compared to 
      $9.5 million in the fourth quarter of 2024. 
 
   --  Adjusted operating expenses, which reflect operating expenses less 
      revenue share expense, stock-based compensation, depreciation, and other 
      unique or non-cash expenses, were $21.5 million in the fourth quarter of 
      2025, compared to $20.0 million in the fourth quarter of 2024. 
 
   --  Adjusted operating expense per transaction was $440 in the fourth 
      quarter of 2025, a decline of 22% from $565 in the fourth quarter of 
      2024. 
 
   --  Cash provided by operating activities totaled $149.0 thousand during 
      the fourth quarter of 2025. 
 
   --  The Company repurchased 3.9 million common shares for $15.1 million in 
      the fourth quarter. 
 
   --  The Company ended the fourth quarter of 2025 with $49.9 million of 
      unrestricted cash and equivalents and short-term investments on its 
      balance sheet and no debt. 
 
(1) All dollar references are in U.S. dollars. 
(2) There are references to "Adjusted EBITDA" and "Adjusted Operating Expense" 
in this press release, which are non-GAAP measures. Real's method for 
calculating non-GAAP measures may differ from other reporting issuers' methods 
and accordingly may not be comparable. See accompanying note under the heading 
"Non-GAAP Measures and Ratios" for an explanation of the composition of these 
non-GAAP measures. 
 

Full Year 2025 Financial Highlights

   --  Revenue rose to $2.0 billion for the full year 2025, an increase of 56% 
      from $1.3 billion for the full year 2024. 
 
   --  Gross profit reached $165.7 million for the full year 2025, an increase 
      of 44% from $114.7 million in 2024. 
 
   --  Operating expenses totaled $174.9 million for the full year 2025, a 25% 
      increase from $140.0 million in 2024. 
 
   --  Net loss attributable to owners of the Company improved to $(8.1) 
      million for the full year 2025, compared to $(26.5) million in 2024. 
 
   --  Basic and diluted loss per share was $(0.04) for the full year 2025, 
      compared to $(0.14) in 2024. 
 
   --  Adjusted EBITDA2 was $62.9 million for the full year 2025, compared to 
      $40.0 million for the full year 2024. 
 
   --  Revenue share expense totaled $60.5 million for the full year 2025, a 
      42% increase compared to $42.7 million in 2024. 
 
   --  Adjusted operating expenses were $87.0 million for the full year 2025, 
      an increase of 34% from $65.1 million in 2024. 
 
   --  Cash provided by operating activities totaled $65.9 million for the 
      full year 2025. 
 
   --  The Company repurchased 9 million common shares for $39.4 million for 
      the full year 2025. 

Q4 and Full Year 2025 Business and Operational Highlights

   --  North American Brokerage 
 
          --  North American Brokerage revenue rose to $502.0 million in the 
             fourth quarter of 2025, an increase of 44% from $348.1 million in 
             the fourth quarter of 2024. Revenue for the full year 2025 was 
             $2.0 billion, an increase of 56% from $1.3 billion in 2024. 
 
          --  The total number of agents increased to 31,739 at the end of the 
             fourth quarter of 2025, an increase of 31% from the fourth quarter 
             of 2024. 
 
          --  The total number of transactions closed was 48,903 in the fourth 
             quarter of 2025, an increase of 38% from 35,370 in the fourth 
             quarter of 2024. For the full year 2025, the total number of 
             transactions closed was 185,314, an increase of 54% from 120,601 
             for the full year 2024. 
 
          --  The total value of completed real estate transactions reached 
             $20.3 billion in the fourth quarter of 2025, an increase of 39% 
             from $14.6 billion in the fourth quarter of 2024. For the full 
             year 2025, the total value of completed real estate transactions 
             reached $75.3 billion, an increase of 53% from $49.0 billion for 
             the full year 2024. 
 
          --  As of March 3, 2026, over 33,200 agents are now on the Real 
             platform. 
 
 
 
   --  One Real Title 
 
          --  One Real Title revenue was $1.4 million in the fourth quarter of 
             2025, a 1% increase compared to $1.3 million in the fourth quarter 
             of 2024. Revenue for the full year 2025 was $5.0 million, compared 
             to $4.8 million in 2024. 
 
          --  Title results reflect the transition from legacy team-based 
             joint ventures to state-based joint ventures. 
 
 
 
   --  One Real Mortgage 
 
          --  One Real Mortgage revenue reached $1.5 million in the fourth 
             quarter of 2025, a 26% increase compared to $1.2 million in the 
             fourth quarter of 2024. Revenue for the full year 2025 was $6.0 
             million, compared to $4.0 million in 2024. Growth was driven by 
             the addition of productive loan officers to the platform. 
 
          --  As of February 2026, One Real Mortgage had 119 mortgage loan 
             officers, including 85 affiliated with the Real Originate 
             program. 
 
 
 
   --  Real Wallet 
 
          --  Real Wallet revenue totaled $339.0 thousand in the fourth 
             quarter of 2025, compared to $42.0 thousand in the fourth quarter 
             of 2024. Revenue for the full year 2025 was $889.0 thousand, 
             compared to $42.0 thousand in 2024. 
 
          --  As of February 2026: 
 
                 --  More than 7,000 Real agents were utilizing Real Wallet 
                    Business Checking Accounts, including over 1,400 Real 
                    Wallet Tax Planning Business Checking Accounts. 
 
                 --  The total deposit balance held in all Real Wallet 
                    Business Checking and Tax Planning accounts was 
                    approximately $22.5 million. 
 
                 --  The total balance of credit outstanding was $8.0 
                    million. 
 
 
 
          --  Real Wallet is a financial technology platform that centralizes 
             an agent's access to certain Company-branded financial products. 
             Real Wallet currently includes: (i) Business Checking Accounts for 
             eligible U.S. agents with Thread Bank, Member FDIC, including a 
             Company-branded debit card; and (ii) credit lines for eligible 
             agents in certain U.S. states and Canadian provinces, based on 
             their earnings history with Real. 
 
 
 
   --  Corporate Update 
 
          --  On December 31, 2025, the Company entered into a settlement 
             agreement to resolve the Cwynar class action lawsuit on a 
             nationwide basis. Under the terms of the settlement, Real will pay 
             $750,000 into a qualified settlement fund following the court's 
             preliminary approval. The settlement does not constitute an 
             admission of liability and remains subject to court approval. 
 
          --  On January 20, 2026, Kate Gurevich was appointed Chief Executive 
             Officer of One Real Mortgage. Ms. Gurevich brings more than 18 
             years of experience in the mortgage and real estate industries, 
             including leadership roles focused on scaling distributed sales 
             teams, improving operational efficiency and driving loan officer 
             productivity. 
 
          --  On February 11, 2026, Ken Pozek was appointed to the Company's 
             Board of Directors. Mr. Pozek is the founder and leader of The 
             Pozek Group, a 38-agent Orlando-based real estate team. His 
             appointment brings active agent leadership and field-level 
             operating perspective to the Board as the Company continues to 
             scale its agent-focused platform. 
 
 

The Company will discuss the fourth quarter and full year results on a conference call and live webcast today at 8:00 a.m. ET.

 
Conference Call Details: 
 
Date:                       Wednesday, March 4, 2026 
 
Time:                       8:00 am ET 
 
Dial-in Number:             North American Toll Free: 888-506-0062 
                            International: 973-528-0011 
 
Access Code:                243802 
 
                            https://www.webcaster5.com/Webcast/Page/2699/534 
Webcast:                    64 
 
Replay Information: 
 
Replay Number:              North American Toll Free: 877-481-4010 
                            International: 919-882-2331 
 
Access Code:                53464 
 
Replay Link:                https://www.webcaster5.com/Webcast/Page/2699/534 
                            64 
 

Non-GAAP Measures and Ratios

This news release includes references to "Adjusted EBITDA", "Adjusted Operating Expense", and "Operating Expense Excluding Revenue Share", which are non-U.S. generally accepted accounting principles ("GAAP") financial measures. Non-GAAP measures, including non-GAAP ratios, are not recognized measures under GAAP, do not have a standardized meaning prescribed by GAAP, and are therefore unlikely to be comparable to similar measures presented by other companies.

Adjusted EBITDA is a supplemental non-GAAP financial measure that management uses to evaluate operating performance. Adjusted EBITDA is calculated as net income/(loss) before finance expenses, income tax expense, depreciation and amortization, stock-based compensation, restructuring expenses, and expenses related to litigation settlements.

Operating Expense Excluding Revenue Share is used as an alternative to operating expenses by removing variable cash expenses associated with revenue share expenses, which is a component of marketing expenses.

Adjusted Operating Expense is used as an alternative to operating expenses by removing major non-cash items such as stock-based compensation, depreciation, and other unique or non-cash expenses, while retaining ongoing fixed operating expenses and excluding variable cash expenses associated with revenue share.

Adjusted EBITDA, Adjusted Operating Expense and Operating Expense Excluding Revenue Share have no direct comparable GAAP financial measures. The Company has used or included these non-GAAP measures solely to provide investors with added insight into Real's financial performance. Readers are cautioned that such non-GAAP measures may not be appropriate for any other purpose. Non-GAAP measures should not be considered in isolation or as a substitute for measures of performance prepared in accordance with GAAP. Our Adjusted EBITDA is reconciled to the most comparable GAAP measure for the three and twelve months ended December 31, 2025 and 2024 and is presented in the table below labeled Reconciliation of Net Loss to Adjusted EBITDA. Our Adjusted Operating Expense and Operating Expense Excluding Revenue Share reconciled to the most comparable GAAP measure is presented for the three and twelve months ended December 31, 2025 and on a quarterly basis for the prior two fiscal years in the table below labeled Reconciliation of Operating Expense to Adjusted Operating Expense by Quarter.

This press release also includes non-GAAP financial measure ratios. A non-GAAP ratio is a financial measure disclosed in the form of a ratio, fraction, percentage, or similar representation and that has a non-GAAP financial measure as one or more of its components.

Operating Expense Excluding Revenue Share per Transaction is a ratio calculated as Operating Expense Excluding Revenue Share, divided by the number of closed transaction sides. Adjusted Operating Expense per Transaction is a ratio calculated as Adjusted Operating Expense, divided by the number of closed transaction sides.

 
                         THE REAL BROKERAGE INC. 
                       CONSOLIDATED BALANCE SHEETS 
                  (U.S. dollars and shares in thousands) 
 
                                                  As of 
                                ------------------------------------------ 
                                 December 31, 2025     December 31, 2024 
                                -------------------  --------------------- 
ASSETS 
CURRENT ASSETS 
Cash and cash equivalents        $          33,213    $          23,376 
Restricted cash                             26,338               24,089 
Investments in financial 
 assets                                     16,731                9,449 
Trade receivables                           20,170               14,235 
Short-term financing 
 receivables, net                            6,231                    - 
Other current assets                         3,081                1,762 
                                    --------------       -------------- 
TOTAL CURRENT ASSETS             $         105,764    $          72,911 
                                    ==============       ============== 
NON-CURRENT ASSETS 
Intangible assets, net                       4,157                2,575 
Goodwill                                     8,993                8,993 
Property and equipment, net                  2,455                2,116 
Investment in equity 
 securities                                  2,250                    - 
Long-term financing 
 receivables, net                            2,311                    - 
Deferred tax asset                             931                    - 
                                    --------------       -------------- 
TOTAL NON-CURRENT ASSETS         $          21,097    $          13,684 
                                    --------------       -------------- 
TOTAL ASSETS                     $         126,861    $          86,595 
                                    ==============       ============== 
 
LIABILITIES AND EQUITY 
CURRENT LIABILITIES 
Accounts payable                             1,161                1,374 
Accrued liabilities                         38,205               25,939 
Customer deposits                           26,338               24,089 
Other payables                               9,562                3,050 
                                    --------------       -------------- 
TOTAL CURRENT LIABILITIES        $          75,266    $          54,452 
NON-CURRENT LIABILITIES 
Deferred tax liability                          10                    - 
TOTAL NON-CURRENT LIABILITIES                   10                    - 
                                    --------------       -------------- 
TOTAL LIABILITIES                $          75,276    $          54,452 
                                    ==============       ============== 
 
EQUITY 
EQUITY ATTRIBUTABLE TO OWNERS 
Common Shares, no par value, 
unlimited Common Shares 
authorized, 210,478 Shares 
issued and outstanding at 
December 31, 2025; and 202,941 
Shares issued and 202,499 
outstanding at December 31, 
2024                                             -                    - 
Additional paid-in capital                 164,208              138,639 
Accumulated deficit                       (112,851)            (104,746) 
Accumulated other 
 comprehensive income                          318                  708 
Treasury stock, at cost, 0 and 
 442 Common Shares at December 
 31, 2025 and December 31, 
 2024, respectively                              -               (2,455) 
                                    --------------       -------------- 
EQUITY ATTRIBUTABLE TO OWNERS               51,675               32,146 
                                    --------------       -------------- 
Non-controlling interests                      (90)                  (3) 
TOTAL EQUITY                                51,585               32,143 
                                    --------------       -------------- 
TOTAL LIABILITIES AND EQUITY     $         126,861    $          86,595 
                                    ==============       ============== 
 
 
                         THE REAL BROKERAGE INC. 
              CONSOLIDATED STATEMENTS OF COMPREHENSIVE LOSS 
  (U.S. dollars and shares in thousands, except for per share amounts) 
 
                     Three Months Ended 
                        December 31,         For the Year Ended December 
                         (unaudited)                     31, 
                   -----------------------  ----------------------------- 
                       2025        2024          2025           2024 
                   ------------  ---------  --------------  ------------- 
Revenues           $505,139      $350,630   $1,968,416      $1,264,639 
Cost of Sales       466,105       320,645    1,802,728       1,149,898 
                    -------       -------    ---------       --------- 
Gross Profit         39,034        29,985      165,688         114,741 
 
General and 
 administrative 
 expenses            18,359        18,632       74,359          61,084 
Marketing 
 expenses            20,368        13,698       82,383          57,477 
Research and 
 development 
 expenses             4,806         4,042       17,443          12,156 
Settlement of 
 litigation             750            --          750           9,250 
                    -------       -------    ---------       --------- 
Operating 
 Expenses            44,283        36,372      174,935         139,967 
                    -------       -------    ---------       --------- 
Operating Loss       (5,249)       (6,387)      (9,247)        (25,226) 
 
Other income, net       342           115          995             496 
Finance expenses, 
 net                   (137)         (434)        (554)         (1,723) 
                    -------       -------    ---------       --------- 
Loss Before Tax    $ (5,044)     $ (6,706)  $   (8,806)     $  (26,453) 
Tax Benefit            (829)           --         (740)             -- 
Net Loss           $ (4,215)     $ (6,706)  $   (8,066)     $  (26,453) 
Net income 
 attributable to 
 non-controlling 
 interests              (12)          (62)          39              88 
                    -------       -------    ---------       --------- 
Net Loss 
 Attributable to 
 the Owners of 
 the Company       $ (4,203)     $ (6,644)  $   (8,105)     $  (26,541) 
Other 
comprehensive 
income/(loss), 
Items that will 
be reclassified 
subsequently to 
profit or loss: 
Unrealized gain 
 (loss) on 
 investments in 
 financial 
 assets                 (84)          (16)        (212)             81 
Foreign currency 
 translation 
 adjustment              10           529         (178)            794 
                    -------       -------    ---------       --------- 
Total 
 Comprehensive 
 Loss 
 Attributable to 
 Owners of the 
 Company           $ (4,277)     $ (6,131)  $   (8,495)     $  (25,666) 
                    -------       -------    ---------       --------- 
Total 
 Comprehensive 
 Income 
 Attributable to 
 Non-Controlling 
 Interest               (12)          (62)          39              88 
                    -------       -------    ---------       --------- 
Total 
 Comprehensive 
 Loss              $ (4,289)     $ (6,193)  $   (8,456)     $  (25,578) 
Loss per share 
Basic loss per 
 share             $  (0.02)     $  (0.03)  $    (0.04)     $    (0.14) 
Diluted loss per 
 share             $  (0.02)     $  (0.03)  $    (0.04)     $    (0.14) 
                    -------       -------    ---------       --------- 
Weighted-average 
 shares, basic 
 and diluted        221,311       200,144      219,873         191,172 
 
 
                      THE REAL BROKERAGE INC. 
               CONSOLIDATED STATEMENTS OF CASH FLOWS 
                    (U.S. dollar in thousands) 
 
                    Three Months Ended 
                       December, 31          Twelve Months Ended 
                       (unaudited)              December 31, 
                  ----------------------  ------------------------- 
                      2025        2024        2025         2024 
                  ------------  --------  ------------  ----------- 
OPERATING 
ACTIVITIES 
Net Loss          $ (4,215)     $(6,705)  $ (8,066)     $(26,453) 
Adjustments to 
reconcile net 
loss to net cash 
provided by 
operating 
activities: 
Depreciation and 
 amortization          585          372      1,929         1,396 
Equity-settled 
 stock-based 
 payment            17,732       15,119     68,146        52,916 
Finance costs          (99)         338       (180)          376 
Change in fair 
 value of 
 warrants 
 liability               -            -          -           600 
Deferred income 
 taxes, net           (921)           -       (921)            - 
Changes in 
operating assets 
and 
liabilities: 
Funds Held in 
 Restricted 
 Escrow Account          -        9,250          -             - 
Trade 
 receivables         7,691        3,070     (5,935)       (7,794) 
Financing 
 receivables, 
 net                (4,088)           -     (8,542)            - 
Other current 
 assets               (180)         672     (1,319)          433 
Accounts payable        83          241       (213)          803 
Accrued 
 liabilities        (9,450)      (5,052)    12,266        12,565 
Customer 
 deposits           (9,607)      (3,427)     2,249        11,141 
Other payables       2,618       (9,793)     6,512         2,748 
                   -------       ------    -------       ------- 
NET CASH 
 PROVIDED BY 
 OPERATING 
 ACTIVITIES            149        4,085     65,926        48,731 
 
INVESTING 
ACTIVITIES 
Purchase of 
 investment in 
 equity 
 securities              -            -     (2,250)            - 
Purchase of 
 property and 
 equipment            (165)         (81)    (1,100)       (1,045) 
Purchase of 
 intangible 
 assets                  -            -     (2,750)            - 
Purchase of 
 financial 
 assets               (269)         123    (16,053)       (1,692) 
Proceeds from 
 sale of 
 financial 
 assets              2,806         (220)     8,559         6,546 
                   -------       ------    -------       ------- 
NET CASH 
 PROVIDED BY 
 (USED IN) 
 INVESTING 
 ACTIVITIES          2,372         (178)   (13,594)        3,809 
 
FINANCING 
ACTIVITIES 
Repurchase of 
 common shares     (15,064)      (5,947)   (39,363)      (36,283) 
Payment of 
 employee taxes 
 on certain 
 stock-based 
 arrangements         (954)      (1,355)    (2,928)       (2,832) 
Proceeds from 
 exercise of 
 stock options         598          658      2,169         6,275 
Distributions to 
 non-controlling 
 interest              (31)        (129)      (126)         (300) 
NET CASH USED IN 
 FINANCING 
 ACTIVITIES        (15,451)      (6,773)   (40,248)      (33,140) 
 
Net change in 
 cash, cash 
 equivalents and 
 restricted 
 cash              (12,930)      (2,866)    12,084        19,400 
Cash, cash 
 equivalents and 
 restricted 
 cash, beginning 
 of period          72,372       50,128     47,465        27,655 
Effect of 
 foreign 
 exchange rate 
 changes on 
 cash, cash 
 equivalents, 
 and restricted 
 cash                  109          203          2           410 
                   -------       ------    -------       ------- 
CASH, CASH 
 EQUIVALENTS AND 
 RESTRICTED 
 CASH, ENDING 
 BALANCE          $ 59,551      $47,465   $ 59,551      $ 47,465 
                   -------       ------    -------       ------- 
 
 
                    THE REAL BROKERAGE INC. 
         RECONCILIATION OF NET LOSS TO ADJUSTED EBITDA 
                  (U.S. dollars in thousands) 
                           Unaudited 
 
                 Three Months Ended 
                    December 31,          For the Year Ended 
                ---------------------  ------------------------ 
                                        December     December 
                   2025        2024     31, 2025     31, 2024 
                -----------  --------  -----------  ----------- 
Net Loss        $(4,215)     $(6,705)  $(8,066)     $(26,453) 
Add/(Deduct): 
Finance 
 Expenses, 
 Net                137          169       554         1,723 
Depreciation 
 and 
 Amortization       585          372     1,929         1,396 
Stock-Based 
 Compensation    17,732       15,119    68,146        52,916 
Restructuring 
 Expenses             -            -       250             - 
Expenses 
 Related to 
 Litigation 
 Settlement         750          118       777        10,377 
Tax Benefit        (829)                  (740)            - 
                 ------      --------   ------       ------- 
Adjusted 
 EBITDA(i)       14,160        9,073    62,850        39,959 
 
 
i.    Represents a non-GAAP measure. Real's method for calculating non-GAAP 
      measures may differ from other reporting issuers' methods and 
      accordingly may not be comparable. For definitions and basis of 
      presentation of Real's non-GAAP measures, refer to the non-GAAP measures 
      and ratios section of this press release. 
 
 
                 THE REAL BROKERAGE INC. 
              BREAKOUT OF REVENUE BY SEGMENT 
               (U.S. dollars in thousands) 
 
              Three Months Ended 
                 December 31,       Twelve Months Ended 
                 (unaudited)            December 31, 
              ------------------  ------------------------ 
                2025      2024       2025         2024 
              --------  --------  ----------  ------------ 
Main revenue 
streams 
Commissions   $501,982  $348,083  $1,956,483  $1,255,799 
Title            1,352     1,338       5,035       4,788 
Mortgage 
 Broker 
 Income          1,466     1,167       6,009       4,010 
Wallet             339        42         889          42 
               -------   -------   ---------   --------- 
Total 
 Revenue      $505,139  $350,630  $1,968,416  $1,264,639 
               =======   =======   =========   ========= 
 
 
                              THE REAL BROKERAGE INC. 
    RECONCILIATION OF OPERATING EXPENSE TO ADJUSTED OPERATING EXPENSE BY QUARTER 
                            (U.S. dollars in thousands) 
                                     Unaudited 
 
                                   2024                            2025 
                      ------------------------------  ------------------------------ 
                        Q1      Q2      Q3      Q4      Q1      Q2      Q3      Q4 
                      ------  ------  ------  ------  ------  ------  ------  ------ 
Operating Expense     36,477  32,512  34,607  36,371  39,145  46,177  45,330  44,283 
  Less: Revenue 
   Share Expense      9,064   12,475  11,651  9,537   12,504  17,644  15,738  14,634 
    Revenue Share 
     Expense (% of 
     revenue)          4.5%    3.7%    3.3%    2.7%    3.5%    3.3%    2.8%    2.9% 
Operating Expense 
 Excluding Revenue 
 Share(1)             27,413  20,037  22,956  26,834  26,641  28,533  29,592  29,649 
  Less: 
    Stock-Based 
     Compensation - 
     Employees        1,493   2,265   3,139   3,405   1,651   2,057   3,422   2,605 
    Stock-Based 
     Compensation - 
     Agent            2,137   2,335   2,665   2,940   3,115   3,478   3,935   4,199 
    Depreciation and 
     Amortization 
     Expense           326     340     358     372     379     398     567     585 
    Restructuring 
    Expense             --      --      --      --     250      --      --      -- 
    Expenses Related 
     to Litigation 
     Settlement       9,857    369      33     118      27      --      --     750 

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