(TREE) Lendingtree - Ratings and Ratios
Mortgages, Home Loans, Credit Cards, Personal Loans, Insurance, Auto Loans
TREE EPS (Earnings per Share)
TREE Revenue
Description: TREE Lendingtree
LendingTree, Inc. operates a multifaceted online platform that connects consumers with various financial service providers across the United States. Through its subsidiaries, the company has established a robust presence in the consumer finance sector, offering a diverse range of products and services that cater to different financial needs.
The companys business model is segmented into three primary categories: Home, Consumer, and Insurance. The Home segment is focused on mortgage-related products, including purchase mortgages, refinance mortgages, and home equity loans. The Consumer segment provides a broader array of financial products, such as credit cards, personal loans, and deposit accounts. Meanwhile, the Insurance segment has evolved into a comprehensive marketplace for insurance quotes, comparison tools, and policy purchases, further enhanced by the inclusion of QuoteWizard and ValuePenguin, which offer consumers objective financial analysis and insurance comparison capabilities.
From a strategic perspective, LendingTrees diversified platform allows it to capitalize on multiple revenue streams within the consumer finance and insurance markets. The companys history, dating back to its incorporation in 1996 and rebranding from Tree.com, Inc. in 2015, underscores its adaptability and commitment to evolving consumer needs. With its headquarters in Charlotte, North Carolina, LendingTree is positioned to leverage the growing demand for online financial services and insurance products.
Analyzing the available
Forecasting LendingTrees stock performance based on the available data, a potential rebound could be anticipated if the company demonstrates improved profitability and the overall market sentiment towards consumer finance stocks becomes more positive. A break above the SMA50 at $39.29 could signal a bullish trend, potentially driving the price towards the 52-week high. Conversely, failure to overcome the current downtrend may result in further declines. Thus, investors should closely monitor the companys financial performance and market trends to adjust their strategies accordingly.
TREE Stock Overview
| Market Cap in USD | 850m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 2008-08-12 |
TREE Stock Ratings
| Growth Rating | -43.0% |
| Fundamental | 56.2% |
| Dividend Rating | 0.10% |
| Return 12m vs S&P 500 | 0.70% |
| Analyst Rating | 4.60 of 5 |
TREE Dividends
Currently no dividends paidTREE Growth Ratios
| Growth Correlation 3m | 96.2% |
| Growth Correlation 12m | -30.8% |
| Growth Correlation 5y | -60% |
| CAGR 5y | -26.22% |
| CAGR/Max DD 5y | -0.27 |
| Sharpe Ratio 12m | 0.78 |
| Alpha | 1.53 |
| Beta | 1.149 |
| Volatility | 71.31% |
| Current Volume | 189.1k |
| Average Volume 20d | 365.5k |
| Stop Loss | 64.6 (-4.9%) |
| Signal | -0.36 |
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (-54.0m TTM) > 0 and > 6% of Revenue (6% = 60.7m TTM) |
| FCFTA 0.09 (>2.0%) and ΔFCFTA 6.40pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 5.77% (prev 13.91%; Δ -8.14pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.11 (>3.0%) and CFO 89.2m > Net Income -54.0m (YES >=105%, WARN >=100%) |
| Net Debt (414.3m) to EBITDA (86.3m) ratio: 4.80 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.22 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (13.4m) change vs 12m ago 0.25% (target <= -2.0% for YES) |
| Gross Margin 96.14% (prev 95.11%; Δ 1.03pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 123.6% (prev 83.20%; Δ 40.38pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 2.14 (EBITDA TTM 86.3m / Interest Expense TTM 29.5m) >= 6 (WARN >= 3) |
Altman Z'' -3.76
| (A) 0.07 = (Total Current Assets 319.0m - Total Current Liabilities 260.6m) / Total Assets 835.8m |
| (B) -1.06 = Retained Earnings (Balance) -882.9m / Total Assets 835.8m |
| warn (B) unusual magnitude: -1.06 — check mapping/units |
| (C) 0.08 = EBIT TTM 63.2m / Avg Total Assets 819.0m |
| (D) -1.23 = Book Value of Equity -882.8m / Total Liabilities 717.7m |
| Total Rating: -3.76 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 56.15
| 1. Piotroski 5.50pt = 0.50 |
| 2. FCF Yield 6.45% = 3.23 |
| 3. FCF Margin 7.64% = 1.91 |
| 4. Debt/Equity 4.21 = -2.20 |
| 5. Debt/Ebitda 5.76 = -2.50 |
| 6. ROIC - WACC 1.75% = 2.18 |
| 7. RoE -50.82% = -2.50 |
| 8. Rev. Trend 40.05% = 2.00 |
| 9. Rev. CAGR 1.85% = 0.23 |
| 10. EPS Trend 31.90% = 0.80 |
| 11. EPS CAGR 29.90% = 2.50 |
What is the price of TREE shares?
Over the past week, the price has changed by -2.20%, over one month by +43.23%, over three months by +90.92% and over the past year by +17.78%.
Is Lendingtree a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TREE is around 60.74 USD . This means that TREE is currently overvalued and has a potential downside of -10.61%.
Is TREE a buy, sell or hold?
- Strong Buy: 3
- Buy: 2
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the TREE price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 67.7 | -0.4% |
| Analysts Target Price | 63 | -7.3% |
| ValueRay Target Price | 66.9 | -1.6% |
Last update: 2025-08-21 11:37
TREE Fundamental Data Overview
CCE Cash And Equivalents = 149.1m USD (Cash And Short Term Investments, last quarter)
P/E Forward = 18.0832
P/S = 0.8401
P/B = 7.1565
P/EG = 3.5488
Beta = 1.594
Revenue TTM = 1.01b USD
EBIT TTM = 63.2m USD
EBITDA TTM = 86.3m USD
Long Term Debt = 385.1m USD (from longTermDebt, last quarter)
Short Term Debt = 112.2m USD (from shortTermDebt, last quarter)
Debt = 497.3m USD (Calculated: Short Term 112.2m + Long Term 385.1m)
Net Debt = 414.3m USD (from netDebt column, last quarter)
Enterprise Value = 1.20b USD (850.3m + Debt 497.3m - CCE 149.1m)
Interest Coverage Ratio = 2.14 (Ebit TTM 63.2m / Interest Expense TTM 29.5m)
FCF Yield = 6.45% (FCF TTM 77.3m / Enterprise Value 1.20b)
FCF Margin = 7.64% (FCF TTM 77.3m / Revenue TTM 1.01b)
Net Margin = -5.33% (Net Income TTM -54.0m / Revenue TTM 1.01b)
Gross Margin = 96.14% ((Revenue TTM 1.01b - Cost of Revenue TTM 39.1m) / Revenue TTM)
Tobins Q-Ratio = -1.36 (set to none) (Enterprise Value 1.20b / Book Value Of Equity -882.8m)
Interest Expense / Debt = 2.09% (Interest Expense 10.4m / Debt 497.3m)
Taxrate = 17.72% (from quarterly Income Tax Expense: 1.91m / 10.8m)
NOPAT = 52.0m (EBIT 63.2m * (1 - 17.72%))
Current Ratio = 1.22 (Total Current Assets 319.0m / Total Current Liabilities 260.6m)
Debt / Equity = 4.21 (Debt 497.3m / last Quarter total Stockholder Equity 118.1m)
Debt / EBITDA = 5.76 (Net Debt 414.3m / EBITDA 86.3m)
Debt / FCF = 6.43 (Debt 497.3m / FCF TTM 77.3m)
Total Stockholder Equity = 106.2m (last 4 quarters mean)
RoA = -6.46% (Net Income -54.0m, Total Assets 835.8m )
RoE = -50.82% (Net Income TTM -54.0m / Total Stockholder Equity 106.2m)
RoCE = 12.87% (Ebit 63.2m / (Equity 106.2m + L.T.Debt 385.1m))
RoIC = 8.85% (NOPAT 52.0m / Invested Capital 587.9m)
WACC = 7.10% (E(850.3m)/V(1.35b) * Re(10.25%)) + (D(497.3m)/V(1.35b) * Rd(2.09%) * (1-Tc(0.18)))
Shares Correlation 5-Years: 20.0 | Cagr: -0.22%
Discount Rate = 10.25% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 70.26% ; FCFE base≈55.6m ; Y1≈54.4m ; Y5≈55.5m
Fair Price DCF = 50.57 (DCF Value 688.8m / Shares Outstanding 13.6m; 5y FCF grow -2.96% → 3.0% )
Revenue Correlation: 40.05 | Revenue CAGR: 1.85%
Rev Growth-of-Growth: 51.27
EPS Correlation: 31.90 | EPS CAGR: 29.90%
EPS Growth-of-Growth: -82.22
Additional Sources for TREE Stock
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Fund Manager Positions: Dataroma | Stockcircle