TREE Stock Analysis: Lendingtree | NASDAQ
Insurance Brokers | NASDAQ, USA | Market Cap: 348m USD | 12M Return: -58.3% | US52603B1070 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 7.69M
EPS Trend: 80.9%
Qual. Beats: 0
Rev. Trend: 94.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
LendingTree, Inc. (TREE) operates an online consumer finance marketplace in the United States, connecting borrowers and shoppers with lenders, insurers, and other financial product providers through a lead-generation and comparison-shopping model. The business is organized into three reporting segments: Home (purchase mortgages, refinance, and home equity loans/lines of credit), Consumer (credit cards, personal, small business, and auto loans, deposit accounts, and debt settlement), and Insurance (quote comparison through QuoteWizard and personal finance content via ValuePenguin).
The company is classified within the GICS Consumer Finance sub-industry under Financials and is a small-cap stock with a market capitalization of approximately $342 million. Incorporated in 1996 and headquartered in Charlotte, North Carolina, LendingTree was formerly known as Tree.com, Inc. before adopting its current name in January 2015, and has traded on NASDAQ since its August 2008 IPO.
- Mortgage refinance demand rises as Fed cuts interest rates
- Insurance segment revenue grows on QuoteWizard marketplace expansion
- Consumer segment margins compress amid rising customer acquisition costs
| Net Income: 181.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA -1.15 > 1.0 |
| NWC/Revenue: 10.84% < 20% (prev 5.77%; Δ 5.07% < -1%) |
| CFO/TA 0.09 > 3% & CFO 86.1m > Net Income 181.7m |
| Net Debt (367.3m) to EBITDA (143.7m): 2.56 < 3 |
| Current Ratio: 1.85 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.1m) vs 12m ago 4.56% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 145.1% > 50% (prev 121.1%; Δ 24.04% > 0%) |
| Interest Coverage Ratio: 2.75 > 6 (EBIT TTM 122.2m / Interest Expense TTM 44.4m) |
| A: 0.15 (Total Current Assets 299.8m - Total Current Liabilities 162.4m) / Total Assets 911.6m |
| B: -0.77 (Retained Earnings -701.3m / Total Assets 911.6m) |
| C: 0.14 (EBIT TTM 122.2m / Avg Total Assets 873.7m) |
| D: 0.54 (Book Value of Equity 320.8m / Total Liabilities 590.9m) |
| Altman-Z'' = -0.01 = B |
| DSRI: 0.94 (Receivables 149.3m/126.2m, Revenue 1.27b/1.01b) |
| GMI: 1.00 (GM 96.14% / 96.41%) |
| AQI: 1.18 (AQ_t 0.60 / AQ_t-1 0.51) |
| SGI: 1.25 (Revenue 1.27b / 1.01b) |
| TATA: 0.10 (NI 181.7m - CFO 86.1m) / TA 911.6m) |
| Beneish M = -2.77 (Cap -4..+1) = A |
As of October 15, 2026, the stock is trading at USD 24.17 with a total of 271,630 shares traded. Over the past week, the price has changed by -0.49%, over one month by -12.93%, over three months by -47.01% and over the past year by -58.29%.
Current recommended Stop Loss: 22.60 (which is 6.5% or 1.4 ATR below the current price).
Lendingtree has received a consensus analysts rating of 4.50. Therefore, it is recommended to buy TREE.
- StrongBuy: 3
- Buy: 3
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 56 | 131.7% |
P/E Trailing = 1.9161
P/E Forward = 3.5026
P/S = 0.2743
P/B = 1.0517
P/EG = 3.5488
Revenue TTM = 1.27b USD
EBIT TTM = 122.2m USD
EBITDA TTM = 143.7m USD
Long Term Debt = 386.4m USD (from longTermDebt, last quarter)
Short Term Debt = 3.93m USD (from shortTermDebt, last quarter)
Debt = 478.1m USD (from shortLongTermDebtTotal, last quarter) + Leases 45.8m
Net Debt = 367.3m USD (calculated: Debt 478.1m - CCE 110.8m)
Enterprise Value = 715.1m USD (347.8m + Debt 478.1m - CCE 110.8m)
Interest Coverage Ratio = 2.75 (Ebit TTM 122.2m / Interest Expense TTM 44.4m)
EV/FCF = 9.68x (Enterprise Value 715.1m / FCF TTM 73.9m)
FCF Yield = 10.33% (FCF TTM 73.9m / Enterprise Value 715.1m)
FCF Margin = 5.83% (FCF TTM 73.9m / Revenue TTM 1.27b)
Net Margin = 14.32% (Net Income TTM 181.7m / Revenue TTM 1.27b)
Gross Margin = unknown ((Revenue TTM 1.27b - Cost of Revenue TTM 45.6m) / Revenue TTM)
Tobins Q-Ratio = 0.78 (Enterprise Value 715.1m / Total Assets 911.6m)
Interest Expense / Debt = 9.28% (Interest Expense 44.4m / Debt 478.1m)
Taxrate = 35.97% (5.38m / 15.0m)
NOPAT = 78.2m (EBIT 122.2m * (1 - 35.97%))
Current Ratio = 1.85 (Total Current Assets 299.8m / Total Current Liabilities 162.4m)
Debt / Equity = 1.49 (Debt 478.1m / totalStockholderEquity, last quarter 320.8m)
Debt / EBITDA = 2.56 (Net Debt 367.3m / EBITDA 143.7m)
Debt / FCF = 4.97 (Net Debt 367.3m / FCF TTM 73.9m)
Total Stockholder Equity = 261.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 20.79% (Net Income 181.7m / Total Assets 911.6m)
RoE = 69.56% (Net Income TTM 181.7m / Total Stockholder Equity 261.2m)
RoCE = 18.87% (EBIT 122.2m / Capital Employed (Equity 261.2m + L.T.Debt 386.4m))
RoIC = 11.34% (NOPAT 78.2m / Invested Capital 689.8m)
WACC = 6.73% (E(347.8m)/V(825.9m) * Re(7.82%) + D(478.1m)/V(825.9m) * Rd(9.28%) * (1-Tc(0.36)))
Discount Rate = 7.82% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 84.26 | Cagr: 2.56%
[DCF] Terminal Value 74.81% ; FCFF base≈75.3m ; Y1≈72.7m ; Y5≈71.4m
[DCF] Fair Price = 53.60 (EV 1.12b - Net Debt 367.3m = Equity 752.6m / Shares 14.0m; r=8.35% [WACC [floored]]; 5y FCF grow -4.47% → 2.50% )
EPS Correlation: 80.88 | EPS CAGR: 27.89% | SUE: -0.02 | # QB: 0
Revenue Correlation: 94.93 | Revenue CAGR: 29.11% | SUE: -0.16 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.26 | Chg30d=-8.86% | Revisions=-50% | Analysts=3
EPS current Year (2026-12-31): EPS=5.34 | Chg30d=-8.66% | Revisions=-50% | GrowthEPS=+57.9% | GrowthRev=+17.2%
EPS next Year (2027-12-31): EPS=6.62 | Chg30d=-2.37% | Revisions=-17% | GrowthEPS=+24.0% | GrowthRev=+7.0%
[Analyst] Revisions Ratio: -58% (up=1, down=8)