TREE Stock Analysis: Lendingtree | NASDAQ
Insurance Brokers | NASDAQ, USA | Market Cap: 538m USD | 12M Return: -29.3% | US52603B1070 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.73M
EPS Trend: 78.7%
Qual. Beats: 1
Rev. Trend: 97.8%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 11.9 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 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: 99.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA 2.11 > 1.0 |
| NWC/Revenue: 7.91% < 20% (prev 7.35%; Δ 0.56% < -1%) |
| CFO/TA 0.12 > 3% & CFO 93.0m > Net Income 99.1m |
| Net Debt (354.7m) to EBITDA (38.6m): 9.18 < 3 |
| Current Ratio: 1.57 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.0m) vs 12m ago 4.46% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 166.7% > 50% (prev 139.4%; Δ 27.35% > 0%) |
| Interest Coverage Ratio: 0.48 > 6 (EBIT TTM 17.0m / Interest Expense TTM 35.6m) |
| A: 0.13 (Total Current Assets 285.4m - Total Current Liabilities 182.2m) / Total Assets 804.2m |
| B: -0.96 (Retained Earnings -773.6m / Total Assets 804.2m) |
| C: 0.02 (EBIT TTM 17.0m / Avg Total Assets 782.1m) |
| D: 0.46 (Book Value of Equity 253.2m / Total Liabilities 551.1m) |
| Altman-Z'' = -1.67 = D |
| DSRI: 0.90 (Receivables 165.0m/149.4m, Revenue 1.30b/1.06b) |
| GMI: 1.00 (GM 96.16% / 96.46%) |
| AQI: 1.02 (AQ_t 0.57 / AQ_t-1 0.56) |
| SGI: 1.23 (Revenue 1.30b / 1.06b) |
| TATA: 0.01 (NI 99.1m - CFO 93.0m) / TA 804.2m) |
| Beneish M = -2.94 (Cap -4..+1) = A |
As of November 12, 2026, the stock is trading at USD 36.84 with a total of 378,467 shares traded. Over the past week, the price has changed by -3.94%, over one month by +48.61%, over three months by +16.88% and over the past year by -29.28%.
Current recommended Stop Loss: 33.10 (which is 10.2% or 1.8 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 | 52% |
P/E Trailing = 2.966
P/E Forward = 4.2265
P/S = 0.4246
P/B = 1.2688
P/EG = 3.5488
Revenue TTM = 1.30b USD
EBIT TTM = 17.0m USD
EBITDA TTM = 38.6m USD
Long Term Debt = 387.7m USD (from longTermDebt, last fiscal year)
Short Term Debt = 3.94m USD (from shortTermDebt, last quarter)
Debt = 437.4m USD (corrected: LT Debt 387.7m + ST Debt 3.94m) + Leases 45.8m
Net Debt = 354.7m USD (calculated: Debt 437.4m - CCE 82.7m)
Enterprise Value = 893.1m USD (538.4m + Debt 437.4m - CCE 82.7m)
Interest Coverage Ratio = 0.48 (Ebit TTM 17.0m / Interest Expense TTM 35.6m)
EV/FCF = 11.01x (Enterprise Value 893.1m / FCF TTM 81.1m)
FCF Yield = 9.08% (FCF TTM 81.1m / Enterprise Value 893.1m)
FCF Margin = 6.22% (FCF TTM 81.1m / Revenue TTM 1.30b)
Net Margin = 7.60% (Net Income TTM 99.1m / Revenue TTM 1.30b)
Gross Margin = unknown ((Revenue TTM 1.30b - Cost of Revenue TTM 46.2m) / Revenue TTM)
Tobins Q-Ratio = 1.11 (Enterprise Value 893.1m / Total Assets 804.2m)
Interest Expense / Debt = 8.13% (Interest Expense 35.6m / Debt 437.4m)
Taxrate = 21.0% (US federal default 21%)
NOPAT = 13.4m (EBIT 17.0m * (1 - 21.00%))
Current Ratio = 1.57 (Total Current Assets 285.4m / Total Current Liabilities 182.2m)
Debt / Equity = 1.73 (Debt 437.4m / totalStockholderEquity, last quarter 253.2m)
Debt / EBITDA = 9.18 (Net Debt 354.7m / EBITDA 38.6m)
Debt / FCF = 4.37 (Net Debt 354.7m / FCF TTM 81.1m)
Total Stockholder Equity = 291.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 12.68% (Net Income 99.1m / Total Assets 804.2m)
RoE = 34.02% (Net Income TTM 99.1m / Total Stockholder Equity 291.4m)
RoCE = 2.50% (EBIT 17.0m / Capital Employed (Equity 291.4m + L.T.Debt 387.7m))
RoIC = 2.39% (NOPAT 13.4m / Invested Capital 560.8m)
WACC = 6.80% (E(538.4m)/V(975.8m) * Re(7.10%) + D(437.4m)/V(975.8m) * Rd(8.13%) * (1-Tc(0.21)))
Discount Rate = 7.10% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 84.17 | Cagr: 2.07%
[DCF] Terminal Value 77.97% ; FCFF base≈72.9m ; Y1≈83.6m ; Y5≈123.0m
[DCF] Fair Price = 106.5 (EV 1.85b - Net Debt 354.7m = Equity 1.50b / Shares 14.0m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 78.70 | EPS CAGR: 26.36% | SUE: 2.34 | # QB: 1
Revenue Correlation: 97.84 | Revenue CAGR: 32.18% | SUE: 0.96 | # QB: 1
EPS current Quarter (2027-03-31): EPS=0.91 | Chg30d=N/A | Revisions=+0% | Analysts=1
EPS current Year (2026-12-31): EPS=5.34 | Chg30d=-8.66% | Revisions=-50% | GrowthEPS=+57.9% | GrowthRev=+17.0%
EPS next Year (2027-12-31): EPS=6.62 | Chg30d=-2.37% | Revisions=-17% | GrowthEPS=+24.0% | GrowthRev=+6.4%
[Analyst] Revisions Ratio: -44% (up=1, down=5)