Core Insights - Mortgage rates are trending lower due to a decline in the 10-year Treasury yield, with the average 30-year fixed rate currently at 5.87% and the 15-year fixed rate at 5.34% [1] Mortgage Rates Overview - Current national average mortgage rates include: - 30-year fixed: 5.87% - 20-year fixed: 5.82% - 15-year fixed: 5.34% - 5/1 ARM: 5.83% - 7/1 ARM: 6.02% - 30-year VA: 5.36% - 15-year VA: 4.95% - 5/1 VA: 4.93% [5] Refinance Rates - Today's national average mortgage refinance rates are generally higher than purchase rates, although this is not always the case [3] Economic Influences - Economic news is impacting the bond market, and the upcoming jobs report is expected to influence mortgage rates further [1] Historical Context - Current mortgage rates are over half a percentage point lower than they were a year ago, indicating a favorable trend for potential homebuyers [17]

Core Insights - Zillow Group reported revenue of $654 million for the quarter ended December 2025, marking an 18.1% increase year-over-year, with EPS at $0.39 compared to $0.27 in the same quarter last year [1] - The revenue exceeded the Zacks Consensus Estimate of $649.76 million by 0.65%, while the EPS fell short of the consensus estimate of $0.42 by 6.25% [1] Financial Performance Metrics - Average Monthly Unique Users for Zillow's mobile applications and websites reached 221 million, surpassing the estimated 215.1 million [4] - Total visits to mobile applications and websites were 2.1 billion, slightly above the average estimate of 2.11 billion [4] - Residential revenue was reported at $418 million, exceeding the average estimate of $415.98 million, reflecting an 8% year-over-year increase [4] - Revenue from other segments was $11 million, compared to the average estimate of $11.62 million, showing a 10% year-over-year increase [4] - Mortgage revenue reached $57 million, surpassing the average estimate of $50.89 million, with a significant year-over-year increase of 39% [4] - Rental revenue was reported at $168 million, slightly below the estimated $172.17 million, but still reflecting a substantial year-over-year increase of 44.8% [4] Stock Performance - Zillow's shares have declined by 19.7% over the past month, contrasting with the Zacks S&P 500 composite, which remained unchanged [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]

Core Insights - Zillow ended the fourth quarter of 2025 with a net income of $3 million, marking its first profitable year since 2012, compared to a loss of $52 million in the same quarter of 2024 [1] - The company reported a full-year net income of $23 million for 2025, indicating a significant turnaround in financial performance [1] Financial Performance - Quarterly revenue increased by 18 percent to $654 million, with Adjusted EBITDA rising to $149 million from $112 million in 2024 [2] - The for-sale business generated quarterly revenue of $475 million, an 11 percent annual increase, while Mortgages revenue surged by 39 percent year over year to $57 million [2] - The rentals business saw a revenue growth of 45 percent annually, reaching $168 million in the fourth quarter [6] Market Context - The housing market experienced only 3 percent growth, indicating that Zillow's performance occurred despite a flat market [3] - CEO Jeremy Wacksman emphasized the company's strategy to gain market share in both for-sale and rental segments, aiming for sustainable growth across varying market conditions [3] Legal Challenges - Zillow faced lawsuits from competitors like Compass and CoStar, as well as scrutiny from the Federal Trade Commission, which could impact its operations [4][6] - A lawsuit from Compass regarding listing policies was denied a temporary halt by a judge, while CoStar's lawsuit pertains to alleged copyright infringement of rental listing photos [5][6] Future Outlook - Wacksman expressed confidence in the rentals business, projecting a potential for over $1 billion in annual revenue and an increase in market share from 54 percent in 2024 to 63 percent in 2025 [7]

Core Insights - The home-listing site reported a quarterly profit of $3 million, a significant turnaround from a loss of $52 million in the same quarter of the previous year [1] Financial Performance - Quarterly profit: $3 million - Previous year's loss: $52 million - Year-over-year change: Profitability improved by $55 million [1]

Reported Consolidated Results ZILLOW GROUP, INC. CONDENSED CONSOLIDATED BALANCE SHEETS (in millions, unaudited) | | | | December 31, | | | --- | --- | --- | --- | --- | | | | 2025 | | 2024 | | Assets | | | | | | Current assets: | | | | | | Cash and cash equivalents | $ | 768 | $ | 1,082 | | Short-term investments | | 527 | | 776 | | Accounts receivable, net | | 149 | | 104 | | Mortgage loans held for sale | | 386 | | 159 | | Prepaid expenses and other current assets | | 287 | | 210 | | Restricted cash | | 5 ...

Mortgage Rates Overview - Current average mortgage rates are just under 6%, with the 30-year fixed rate at 5.91% and the 15-year fixed rate at 5.44% [1][13] - Refinance rates are generally higher than purchase rates, with the 30-year refinance rate at 6.02% [6][13] Mortgage Types and Comparisons - The 30-year fixed mortgage rates are typically higher than 15-year rates, but the latter results in lower total interest payments over time [7] - For a $400,000 mortgage, the monthly payment for a 30-year term at 5.91% is approximately $2,375, leading to total interest of $455,038, while a 15-year mortgage at 5.44% results in a monthly payment of about $3,256 and total interest of $186,010 [8] Adjustable-Rate Mortgages (ARMs) - Fixed-rate mortgages lock in the interest rate from the start, while adjustable-rate mortgages (ARMs) have a fixed rate for an initial period before adjusting based on market conditions [10][11] - ARMs may start with lower rates compared to fixed rates, but there is a risk of rate increases after the initial period [12] Future Rate Predictions - The Mortgage Bankers Association (MBA) forecasts that the 30-year mortgage rate will remain around 6.1% through 2026, while Fannie Mae predicts rates near 6% for the same period [14] - For 2027, the MBA anticipates rates between 6.2% and 6.3%, with Fannie Mae also predicting rates near 6.0% [15]

Some analysts expect Zillow will have strong revenue growth as the housing market improves. ...

Virta Health首席执行官萨米·因基宁表示，自己唯一感觉"成功了"的时刻是2008年还清10万美元债务时。他直到37 岁才拥有第一辆车，并且"享受简朴生活"。图片来源：Courtesy of Virta Health 人们一想到市值数十亿美元公司的首席执行官，很容易产生刻板印象：一位西装革履、精致得体的商业 精英，乘坐私人飞机在全球各地参加会议，身边总跟着助理团队。但并非所有企业家都会用浮华的生活 方式来享受成功的成果，有些人只是为终于还清学生贷款而心怀感激。 连续创业者萨米·因基宁在其20年的职业生涯中，一手创立了三家公司，并将其发展壮大，其中包括两 家独角兽公司。作为Virta Health的首席执行官，虽然他凭借商业成功积累了财富，但他并不在意自己的 净资产。事实上，因基宁直到还清银行账户里那笔10万美元的学生贷款，才第一次觉得自己算是"有钱 人"。 因基宁在接受《财富》杂志采访时表示："我人生中只有在那一刻觉得自己很富有。之后，我就再也没 有把心思放在钱上。"2008年，在与人联合创办房地产搜索公司Trulia三年后，他出售了一部分二级市场 股份，税前收入50万美元。"那时我终于有足够的钱还清 ...

Zillow Group (NASDAQ:ZG) is one of the 10 best real estate services stocks to buy according to hedge funds. On January 29, Trevor Young at Barclays upgraded his rating on Zillow Group (NASDAQ:ZG) from Underweight to Equalweight. He also raised the price target from $66 to $72, implying 34% upside. The favorable revisions were based on promising revenue and adjusted EBITDA growth anticipated for the coming year. Studio Grand Ouest/Shutterstock.com On January 13, the price target on Zillow Group (NASDAQ: ...

Core Insights - Current mortgage rates have decreased significantly, with the average 30-year fixed mortgage rate at 5.95%, down 53 basis points from early August, and the 30-year refinance rate at 6.07%, down 51 basis points since August, indicating a potential opportunity for homebuyers and those looking to refinance [1] Current Mortgage Rates - The national average 30-year fixed mortgage rate is 5.95% and the average 15-year mortgage rate is 5.43% [17][18] - The average 30-year refinance rate is 6.07% [5] Mortgage Payment Calculations - For a $300,000 mortgage at a 30-year term with a 5.95% rate, the monthly payment would be approximately $1,789, resulting in $344,047 in interest over the loan's life [9] - For the same mortgage amount at a 15-year term with a 5.43% rate, the monthly payment would increase to $2,440, with total interest paid being $139,222 [9] Fixed vs. Adjustable-Rate Mortgages - Fixed-rate mortgages lock in the interest rate for the entire loan term, while adjustable-rate mortgages (ARMs) have a fixed rate for an initial period before adjusting based on market conditions [10][11] - Some recent fixed rates have started lower than adjustable rates, suggesting a need for careful consideration when choosing between the two [12] Factors for Obtaining Low Mortgage Rates - Lenders typically offer lower rates to borrowers with higher down payments, excellent credit scores, and low debt-to-income ratios [13] - Focusing on personal finances rather than waiting for rates to drop is recommended for securing a lower mortgage rate [14] Choosing a Mortgage Lender - It is advisable to apply for mortgage preapproval with multiple lenders within a short time frame to facilitate accurate comparisons [15] - When comparing lenders, the annual percentage rate (APR) should be considered as it reflects the true annual cost of borrowing, including interest rates and fees [16]