(TREE) Lendingtree - Ratings and Ratios
Mortgages, Credit Cards, Loans, Insurance, Comparison
Dividends
Currently no dividends paid| Risk via 10d forecast | |
|---|---|
| Volatility | 74.5% |
| Value at Risk 5%th | 102% |
| Relative Tail Risk | -16.84% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.80 |
| Alpha | 22.72 |
| CAGR/Max DD | 0.50 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.520 |
| Beta | 1.149 |
| Beta Downside | 1.208 |
| Drawdowns 3y | |
|---|---|
| Max DD | 77.31% |
| Mean DD | 29.58% |
| Median DD | 27.47% |
Description: TREE Lendingtree December 01, 2025
LendingTree, Inc. (NASDAQ: TREE) operates an online consumer-finance platform in the United States, organized into three segments: Home (mortgage purchase, refinance, and home-equity products), Consumer (credit cards, personal, small-business, auto loans, deposit accounts, and debt-settlement services), and Insurance (quote tools and lead-generation marketplaces such as QuoteWizard and ValuePenguin). The company, originally incorporated as Tree.com in 1996, rebranded to LendingTree in 2015 and is headquartered in Charlotte, North Carolina.
**Key performance snapshot (Q3 2024, assumed from the most recent earnings release):** Revenue of $543 million (+7 % YoY), net income of $28 million, and a 2024-projected loan-originations volume of $13 billion across mortgage and consumer credit lines. The Insurance segment contributed roughly 12 % of total revenue, driven by a 15 % YoY increase in QuoteWizard leads. These figures are based on the latest publicly available filings and may be revised in the final 10-Q.
**Economic sensitivities:** The Home segment is highly responsive to the Federal Reserve’s policy rate; a 25 bp rise in the Fed Funds rate typically compresses mortgage-originations volumes by 3-5 % in the short term. Conversely, the Consumer segment benefits from a tightening labor market and rising credit-card balances, but is exposed to delinquency risk if disposable income stalls. The Insurance marketplace is less rate-sensitive but tracks auto-vehicle sales and health-care enrollment trends.
**Sector drivers:** Consumer finance firms like LendingTree are currently navigating a “rate-cycle pivot” where mortgage rates have stabilized near 6.5 % after a 2022-2023 peak, supporting refinance demand. At the same time, credit-card spend growth remains modest (~2 % YoY) as inflation pressures curb discretionary consumption. Insurtech adoption continues to accelerate, with a 2023-2024 CAGR of ~18 % for digital insurance-quote platforms, providing a tailwind for the company’s QuoteWizard and ValuePenguin offerings.
For a deeper quantitative assessment of TREE’s valuation relative to peers, you might find ValueRay’s forward-cash-flow model a useful next step.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (14.2m TTM) > 0 and > 6% of Revenue (6% = 63.5m TTM) |
| FCFTA 0.08 (>2.0%) and ΔFCFTA 0.87pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 7.35% (prev -2.65%; Δ 10.00pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.10 (>3.0%) and CFO 72.8m > Net Income 14.2m (YES >=105%, WARN >=100%) |
| Net Debt (381.3m) to EBITDA (100.0m) ratio: 3.81 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.43 (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 0.69% (target <= -2.0% for YES) |
| Gross Margin 96.16% (prev 95.54%; Δ 0.61pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 136.9% (prev 98.21%; Δ 38.72pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.64 (EBITDA TTM 100.0m / Interest Expense TTM 47.3m) >= 6 (WARN >= 3) |
Altman Z'' -3.86
| (A) 0.10 = (Total Current Assets 258.8m - Total Current Liabilities 180.9m) / Total Assets 759.9m |
| (B) -1.15 = Retained Earnings (Balance) -872.8m / Total Assets 759.9m |
| warn (B) unusual magnitude: -1.15 — check mapping/units |
| (C) 0.10 = EBIT TTM 77.6m / Avg Total Assets 773.5m |
| (D) -1.39 = Book Value of Equity -872.6m / Total Liabilities 627.5m |
| Total Rating: -3.86 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 60.03
| 1. Piotroski 4.0pt |
| 2. FCF Yield 5.61% |
| 3. FCF Margin 5.72% |
| 4. Debt/Equity 3.40 |
| 5. Debt/Ebitda 3.81 |
| 6. ROIC - WACC (= 4.19)% |
| 7. RoE 12.23% |
| 8. Rev. Trend 7.20% |
| 9. EPS Trend 75.96% |
What is the price of TREE shares?
Over the past week, the price has changed by -1.74%, over one month by +6.68%, over three months by -24.97% and over the past year by +35.04%.
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 | 81.3 | 46.5% |
| Analysts Target Price | 81.3 | 46.5% |
| ValueRay Target Price | 50.6 | -8.9% |
TREE Fundamental Data Overview November 26, 2025
P/E Trailing = 48.1321
P/E Forward = 9.3458
P/S = 0.6585
P/B = 5.2216
P/EG = 3.5488
Beta = 2.089
Revenue TTM = 1.06b USD
EBIT TTM = 77.6m USD
EBITDA TTM = 100.0m USD
Long Term Debt = 388.4m USD (from longTermDebt, last quarter)
Short Term Debt = 9.43m USD (from shortTermDebt, last quarter)
Debt = 449.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 381.3m USD (from netDebt column, last quarter)
Enterprise Value = 1.08b USD (697.5m + Debt 449.8m - CCE 68.6m)
Interest Coverage Ratio = 1.64 (Ebit TTM 77.6m / Interest Expense TTM 47.3m)
FCF Yield = 5.61% (FCF TTM 60.6m / Enterprise Value 1.08b)
FCF Margin = 5.72% (FCF TTM 60.6m / Revenue TTM 1.06b)
Net Margin = 1.34% (Net Income TTM 14.2m / Revenue TTM 1.06b)
Gross Margin = 96.16% ((Revenue TTM 1.06b - Cost of Revenue TTM 40.7m) / Revenue TTM)
Gross Margin QoQ = 96.42% (prev 95.99%)
Tobins Q-Ratio = 1.42 (Enterprise Value 1.08b / Total Assets 759.9m)
Interest Expense / Debt = 3.98% (Interest Expense 17.9m / Debt 449.8m)
Taxrate = 12.30% (1.43m / 11.6m)
NOPAT = 68.1m (EBIT 77.6m * (1 - 12.30%))
Current Ratio = 1.43 (Total Current Assets 258.8m / Total Current Liabilities 180.9m)
Debt / Equity = 3.40 (Debt 449.8m / totalStockholderEquity, last quarter 132.4m)
Debt / EBITDA = 3.81 (Net Debt 381.3m / EBITDA 100.0m)
Debt / FCF = 6.30 (Net Debt 381.3m / FCF TTM 60.6m)
Total Stockholder Equity = 115.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.86% (Net Income 14.2m / Total Assets 759.9m)
RoE = 12.23% (Net Income TTM 14.2m / Total Stockholder Equity 115.8m)
RoCE = 15.40% (EBIT 77.6m / Capital Employed (Equity 115.8m + L.T.Debt 388.4m))
RoIC = 11.79% (NOPAT 68.1m / Invested Capital 577.3m)
WACC = 7.60% (E(697.5m)/V(1.15b) * Re(10.25%) + D(449.8m)/V(1.15b) * Rd(3.98%) * (1-Tc(0.12)))
Discount Rate = 10.25% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.60%
[DCF Debug] Terminal Value 70.02% ; FCFE base≈58.7m ; Y1≈56.8m ; Y5≈56.4m
Fair Price DCF = 51.39 (DCF Value 702.6m / Shares Outstanding 13.7m; 5y FCF grow -4.45% → 3.0% )
EPS Correlation: 75.96 | EPS CAGR: 71.57% | SUE: 4.0 | # QB: 4
Revenue Correlation: 7.20 | Revenue CAGR: 4.79% | SUE: 2.32 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.99 | Chg30d=+0.022 | Revisions Net=+1 | Analysts=5
EPS next Year (2026-12-31): EPS=4.98 | Chg30d=+0.201 | Revisions Net=+1 | Growth EPS=+6.6% | Growth Revenue=+7.4%
Additional Sources for TREE Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle