(TREE) Lendingtree - Overview

Sector: Financial Services | Industry: Financial Conglomerates | Exchange: NASDAQ (USA) | Market Cap: 572m USD | Total Return: -3.8% in 12m

Mortgages, Loans, Credit Cards, Insurance
Total Rating 33
Safety 31
Buy Signal -0.39
Financial Conglomerates
Industry Rotation: +0.3
Market Cap: 572M
Avg Turnover: 7.95M USD
ATR: 5.87%
Peers RS (IBD): 28.3
Risk 5d forecast
Volatility72.4%
Rel. Tail Risk-16.6%
Reward TTM
Sharpe Ratio0.17
Alpha-42.39
Character TTM
Beta1.091
Beta Downside2.562
Drawdowns 3y
Max DD62.85%
CAGR/Max DD0.34
EPS (Earnings per Share) EPS (Earnings per Share) of TREE over the last years for every Quarter: "2021-03": 0.18, "2021-06": 0.76, "2021-09": 0.75, "2021-12": -0.14, "2022-03": 0.46, "2022-06": 0.59, "2022-09": -0.36, "2022-12": 0.38, "2023-03": 0.25, "2023-06": 1.14, "2023-09": 0.61, "2023-12": 0.28, "2024-03": 0.7, "2024-06": 0.54, "2024-09": 0.8, "2024-12": 1.16, "2025-03": 0.99, "2025-06": 1.13, "2025-09": 1.7, "2025-12": -0.39, "2026-03": 0,
EPS CAGR: -20.02%
EPS Trend: 15.4%
Last SUE: -0.80
Qual. Beats: 0
Revenue Revenue of TREE over the last years for every Quarter: 2021-03: 272.75, 2021-06: 270.014, 2021-09: 297.45, 2021-12: 258.285, 2022-03: 283.178, 2022-06: 261.923, 2022-09: 237.836, 2022-12: 202.055, 2023-03: 200.508, 2023-06: 182.453, 2023-09: 155.188, 2023-12: 134.353, 2024-03: 167.768, 2024-06: 210.14, 2024-09: 260.789, 2024-12: 261.522, 2025-03: 239.728, 2025-06: 250.116, 2025-09: 307.792, 2025-12: 319.688, 2026-03: null,
Rev. CAGR: 3.29%
Rev. Trend: 29.7%
Last SUE: 2.43
Qual. Beats: 2

Warnings

Volatile

Tailwinds

No distinct edge detected

Description: TREE Lendingtree

LendingTree, Inc. (TREE) operates an online platform connecting consumers with various financial products in the United States. The company changed its name from Tree.com, Inc. in 2015.

Its operations are divided into three segments. The Home segment facilitates mortgages and home equity products. The Consumer segment offers credit cards, personal loans, small business loans, and auto loans. The Insurance segment provides access to insurance quotes and information, including through its QuoteWizard and ValuePenguin platforms. The online lending sector has grown significantly, driven by digital transformation in financial services.

For more detailed analysis, consider exploring ValueRays comprehensive reports.

Headlines to Watch Out For
  • Mortgage interest rate fluctuations impact loan demand
  • Consumer credit demand drives personal loan volume
  • Insurance lead generation revenue affects marketplace growth
  • Regulatory changes in lending industry pose risk
  • Advertising spending influences customer acquisition costs
Piotroski VR‑10 (Strict) 4.5
Net Income: 151.3m TTM > 0 and > 6% of Revenue
FCF/TA: 0.07 > 0.02 and ΔFCF/TA 0.44 > 1.0
NWC/Revenue: 9.24% < 20% (prev -0.22%; Δ 9.46% < -1%)
CFO/TA 0.09 > 3% & CFO 73.1m > Net Income 151.3m
Net Debt (354.1m) to EBITDA (103.8m): 3.41 < 3
Current Ratio: 1.75 > 1.5 & < 3
Outstanding Shares: last quarter (14.1m) vs 12m ago 3.47% < -2%
Gross Margin: 94.26% > 18% (prev 0.96%; Δ 9.33k% > 0.5%)
Asset Turnover: 137.7% > 50% (prev 117.3%; Δ 20.39% > 0%)
Interest Coverage Ratio: 0.98 > 6 (EBITDA TTM 103.8m / Interest Expense TTM 84.2m)
Altman Z'' -2.65
A: 0.12 (Total Current Assets 240.7m - Total Current Liabilities 137.5m) / Total Assets 855.7m
B: -0.85 (Retained Earnings -728.1m / Total Assets 855.7m)
C: 0.10 (EBIT TTM 82.1m / Avg Total Assets 811.7m)
D: -1.28 (Book Value of Equity -727.9m / Total Liabilities 568.9m)
Altman-Z'' Score: -2.65 = D
Beneish M -2.73
DSRI: 0.91 (Receivables 110.6m/97.8m, Revenue 1.12b/900.2m)
GMI: 1.02 (GM 94.26% / 95.99%)
AQI: 1.14 (AQ_t 0.64 / AQ_t-1 0.57)
SGI: 1.24 (Revenue 1.12b / 900.2m)
TATA: 0.09 (NI 151.3m - CFO 73.1m) / TA 855.7m)
Beneish M-Score: -2.73 (Cap -4..+1) = A
What is the price of TREE shares? As of April 13, 2026, the stock is trading at USD 41.38 with a total of 166,814 shares traded.
Over the past week, the price has changed by -0.58%, over one month by +4.07%, over three months by -29.65% and over the past year by -3.80%.
Is TREE a buy, sell or hold? Lendingtree has received a consensus analysts rating of 4.60. Therefore, it is recommended to buy TREE.
  • StrongBuy: 3
  • Buy: 2
  • Hold: 0
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the TREE price?
Analysts Target Price 70.7 70.8%
Lendingtree (TREE) - Fundamental Data Overview as of 11 April 2026
P/E Trailing = 3.9626
P/E Forward = 6.592
P/S = 0.512
P/B = 1.9653
P/EG = 3.5488
Revenue TTM = 1.12b USD
EBIT TTM = 82.1m USD
EBITDA TTM = 103.8m USD
Long Term Debt = 387.7m USD (from longTermDebt, last quarter)
Short Term Debt = 3.93m USD (from shortTermDebt, last quarter)
Debt = 435.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 354.1m USD (from netDebt column, last quarter)
Enterprise Value = 926.2m USD (572.1m + Debt 435.2m - CCE 81.1m)
Interest Coverage Ratio = 0.98 (Ebit TTM 82.1m / Interest Expense TTM 84.2m)
EV/FCF = 15.26x (Enterprise Value 926.2m / FCF TTM 60.7m)
FCF Yield = 6.55% (FCF TTM 60.7m / Enterprise Value 926.2m)
FCF Margin = 5.43% (FCF TTM 60.7m / Revenue TTM 1.12b)
Net Margin = 13.54% (Net Income TTM 151.3m / Revenue TTM 1.12b)
Gross Margin = 94.26% ((Revenue TTM 1.12b - Cost of Revenue TTM 64.2m) / Revenue TTM)
Gross Margin QoQ = 89.61% (prev none%)
Tobins Q-Ratio = 1.08 (Enterprise Value 926.2m / Total Assets 855.7m)
Interest Expense / Debt = 10.75% (Interest Expense 46.8m / Debt 435.2m)
Taxrate = 21.0% (US default 21%)
NOPAT = 64.9m (EBIT 82.1m * (1 - 21.00%))
Current Ratio = 1.75 (Total Current Assets 240.7m / Total Current Liabilities 137.5m)
Debt / Equity = 1.52 (Debt 435.2m / totalStockholderEquity, last quarter 286.8m)
Debt / EBITDA = 3.41 (Net Debt 354.1m / EBITDA 103.8m)
Debt / FCF = 5.84 (Net Debt 354.1m / FCF TTM 60.7m)
Total Stockholder Equity = 160.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 18.64% (Net Income 151.3m / Total Assets 855.7m)
RoE = 94.41% (Net Income TTM 151.3m / Total Stockholder Equity 160.3m)
RoCE = 14.98% (EBIT 82.1m / Capital Employed (Equity 160.3m + L.T.Debt 387.7m))
RoIC = 10.77% (NOPAT 64.9m / Invested Capital 602.5m)
WACC = 9.25% (E(572.1m)/V(1.01b) * Re(9.82%) + D(435.2m)/V(1.01b) * Rd(10.75%) * (1-Tc(0.21)))
Discount Rate = 9.82% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 3.92%
[DCF] Terminal Value 74.46% ; FCFF base≈56.8m ; Y1≈58.4m ; Y5≈65.4m
[DCF] Fair Price = 41.66 (EV 931.3m - Net Debt 354.1m = Equity 577.2m / Shares 13.9m; r=9.25% [WACC]; 5y FCF grow 2.73% → 3.0% )
EPS Correlation: 15.42 | EPS CAGR: -20.02% | SUE: -0.80 | # QB: 0
Revenue Correlation: 29.69 | Revenue CAGR: 3.29% | SUE: 2.43 | # QB: 2
EPS next Quarter (2026-06-30): EPS=1.23 | Chg7d=-0.045 | Chg30d=-0.045 | Revisions Net=+0 | Analysts=4
EPS current Year (2026-12-31): EPS=5.62 | Chg7d=+0.641 | Chg30d=+0.641 | Revisions Net=+3 | Growth EPS=+66.4% | Growth Revenue=+14.4%
EPS next Year (2027-12-31): EPS=6.96 | Chg7d=+1.158 | Chg30d=+1.158 | Revisions Net=+0 | Growth EPS=+23.7% | Growth Revenue=+5.8%
[Analyst] Revisions Ratio: +0.00 (1 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -15.4% (Discount Rate 9.8% - Earnings Yield 25.2%)
[Growth] Growth Spread = +38.8% (Analyst 23.4% - Implied -15.4%)
External Resources
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