TREE Stock Analysis: Lendingtree | NASDAQ
Financial Conglomerates | NASDAQ, USA | Market Cap: 628m USD | 12M Return: 18% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.92M
EPS Trend: 86.4%
Qual. Beats: 0
Rev. Trend: 85.2%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 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. operates an online consumer finance marketplace in the United States, connecting borrowers and shoppers with providers of mortgages, credit products, and insurance. The company is organized into three segments: Home (purchase mortgages, refinance mortgages, home equity loans and lines of credit), Consumer (credit cards, personal, small business, and auto loans, deposit accounts, and debt settlement services), and Insurance (lead aggregation, QuoteWizard insurance comparison marketplace, and the ValuePenguin personal finance website).
The company was incorporated in 1996, is headquartered in Charlotte, North Carolina, and was renamed from Tree.com, Inc. to LendingTree, Inc. in January 2015. It is listed on NASDAQ under the ticker TREE and is classified within the Financials sector under consumer finance.
LendingTree operates as a lead-generation and marketplace platform rather than as a direct lender or insurer, generating revenue primarily when matched consumers submit inquiries or complete transactions with network partners. This marketplace model places it within the broader online financial comparison and lead aggregation industry, alongside other digital consumer finance intermediaries.
- Mortgage refinance volume collapses as rates stay elevated
- Insurance segment expansion driven by QuoteWizard lead growth
- Fintech competition pressures consumer lending margins and market share
| Net Income: 180.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 2.74 > 1.0 |
| NWC/Revenue: 9.55% < 20% (prev 4.31%; Δ 5.24% < -1%) |
| CFO/TA 0.10 > 3% & CFO 84.9m > Net Income 180.9m |
| Net Debt (399.2m) to EBITDA (140.6m): 2.84 < 3 |
| Current Ratio: 1.89 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.1m) vs 12m ago 5.18% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 146.8% > 50% (prev 125.1%; Δ 21.74% > 0%) |
| Interest Coverage Ratio: 2.57 > 6 (EBIT TTM 119.0m / Interest Expense TTM 46.3m) |
| A: 0.13 (Total Current Assets 244.4m - Total Current Liabilities 129.3m) / Total Assets 863.9m |
| B: -0.82 (Retained Earnings -710.8m / Total Assets 863.9m) |
| C: 0.15 (EBIT TTM 119.0m / Avg Total Assets 820.5m) |
| D: 0.54 (Book Value of Equity 304.7m / Total Liabilities 559.1m) |
| Altman-Z'' = -0.26 = B |
| DSRI: 0.87 (Receivables 117.5m/108.6m, Revenue 1.20b/972.2m) |
| GMI: 1.00 (GM 96.15% / 96.32%) |
| AQI: 1.16 (AQ_t 0.65 / AQ_t-1 0.55) |
| SGI: 1.24 (Revenue 1.20b / 972.2m) |
| TATA: 0.11 (NI 180.9m - CFO 84.9m) / TA 863.9m) |
| Beneish M = -2.85 (Cap -4..+1) = A |
As of July 08, 2026, the stock is trading at USD 45.14 with a total of 171,882 shares traded. Over the past week, the price has changed by +5.57%, over one month by +28.06%, over three months by +9.88% and over the past year by +18.01%.
Current recommended Stop Loss: 41.30 (which is 8.5% or 1.7 ATR below the current price).
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
| Analysts Target Price | 65.8 | 45.8% |
P/E Trailing = 3.483
P/E Forward = 7.2411
P/S = 0.5211
P/B = 2.0485
P/EG = 3.5488
Revenue TTM = 1.20b USD
EBIT TTM = 119.0m USD
EBITDA TTM = 140.6m USD
Long Term Debt = 387.0m USD (from longTermDebt, last quarter)
Short Term Debt = 8.18m USD (from shortTermDebt, last quarter)
Debt = 484.8m USD (from shortLongTermDebtTotal, last quarter) + Leases 46.9m
Net Debt = 399.2m USD (calculated: Debt 484.8m - CCE 85.5m)
Enterprise Value = 1.03b USD (627.9m + Debt 484.8m - CCE 85.5m)
Interest Coverage Ratio = 2.57 (Ebit TTM 119.0m / Interest Expense TTM 46.3m)
EV/FCF = 14.05x (Enterprise Value 1.03b / FCF TTM 73.1m)
FCF Yield = 7.12% (FCF TTM 73.1m / Enterprise Value 1.03b)
FCF Margin = 6.07% (FCF TTM 73.1m / Revenue TTM 1.20b)
Net Margin = 15.02% (Net Income TTM 180.9m / Revenue TTM 1.20b)
Gross Margin = unknown ((Revenue TTM 1.20b - Cost of Revenue TTM 44.3m) / Revenue TTM)
Tobins Q-Ratio = 1.19 (Enterprise Value 1.03b / Total Assets 863.9m)
Interest Expense / Debt = 9.54% (Interest Expense 46.3m / Debt 484.8m)
Taxrate = 24.66% (5.65m / 22.9m)
NOPAT = 89.7m (EBIT 119.0m * (1 - 24.66%))
Current Ratio = 1.89 (Total Current Assets 244.4m / Total Current Liabilities 129.3m)
Debt / Equity = 1.59 (Debt 484.8m / totalStockholderEquity, last quarter 304.7m)
Debt / EBITDA = 2.84 (Net Debt 399.2m / EBITDA 140.6m)
Debt / FCF = 5.46 (Net Debt 399.2m / FCF TTM 73.1m)
Total Stockholder Equity = 210.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 22.05% (Net Income 180.9m / Total Assets 863.9m)
RoE = 85.96% (Net Income TTM 180.9m / Total Stockholder Equity 210.5m)
RoCE = 19.92% (EBIT 119.0m / Capital Employed (Equity 210.5m + L.T.Debt 387.0m))
RoIC = 13.14% (NOPAT 89.7m / Invested Capital 682.5m)
WACC = 8.60% (E(627.9m)/V(1.11b) * Re(9.69%) + D(484.8m)/V(1.11b) * Rd(9.54%) * (1-Tc(0.25)))
Discount Rate = 9.69% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 78.21 | Cagr: 3.73%
[DCF] Terminal Value 77.16% ; FCFF base≈61.6m ; Y1≈70.7m ; Y5≈104.0m
[DCF] Fair Price = 78.79 (EV 1.50b - Net Debt 399.2m = Equity 1.10b / Shares 14.0m; r=8.60% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 86.39 | EPS CAGR: 39.80% | SUE: 0.13 | # QB: 0
Revenue Correlation: 85.20 | Revenue CAGR: 22.75% | SUE: 0.45 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.44 | Chg30d=+17.40% | Revisions=+25% | Analysts=3
EPS next Quarter (2026-09-30): EPS=1.39 | Chg30d=-1.04% | Revisions=-40% | Analysts=3
EPS current Year (2026-12-31): EPS=5.84 | Chg30d=+3.91% | Revisions=-17% | GrowthEPS=+72.9% | GrowthRev=+18.6%
EPS next Year (2027-12-31): EPS=6.78 | Chg30d=-2.50% | Revisions=-17% | GrowthEPS=+16.1% | GrowthRev=+6.9%
[Analyst] Revisions Ratio: -25% (up=3, down=6)