TREE Stock Analysis: Lendingtree | NASDAQ
Financial Conglomerates | NASDAQ, USA | Market Cap: 445m USD | 12M Return: -36.4% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.89M
EPS Trend: 80.9%
Qual. Beats: 0
Rev. Trend: 94.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 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: 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 (368.4m) to EBITDA (97.8m): 3.77 < 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: 1.97 > 6 (EBIT TTM 87.3m / 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: 0.10 (EBIT TTM 87.3m / Avg Total Assets 873.7m) |
| D: 0.54 (Book Value of Equity 320.8m / Total Liabilities 590.9m) |
| Altman-Z'' = -0.28 = 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 August 05, 2026, the stock is trading at USD 33.76 with a total of 761,465 shares traded. Over the past week, the price has changed by -17.66%, over one month by -26.40%, over three months by -13.24% and over the past year by -36.41%.
Current recommended Stop Loss: 30.60 (which is 9.4% or 1.2 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 | 59.2 | 75.3% |
P/E Trailing = 3.0559
P/E Forward = 6.3857
P/S = 0.3695
P/B = 1.8072
P/EG = 3.5488
Revenue TTM = 1.27b USD
EBIT TTM = 87.3m USD
EBITDA TTM = 97.8m USD
Long Term Debt = 387.7m USD (from longTermDebt, last fiscal year)
Short Term Debt = 3.93m USD (from shortTermDebt, last quarter)
Debt = 479.2m USD (from shortLongTermDebtTotal, last quarter) + Leases 46.9m
Net Debt = 368.4m USD (calculated: Debt 479.2m - CCE 110.8m)
Enterprise Value = 813.6m USD (445.2m + Debt 479.2m - CCE 110.8m)
Interest Coverage Ratio = 1.97 (Ebit TTM 87.3m / Interest Expense TTM 44.4m)
EV/FCF = 11.01x (Enterprise Value 813.6m / FCF TTM 73.9m)
FCF Yield = 9.08% (FCF TTM 73.9m / Enterprise Value 813.6m)
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 = 0.89 (Enterprise Value 813.6m / Total Assets 911.6m)
Interest Expense / Debt = 9.26% (Interest Expense 44.4m / Debt 479.2m)
Taxrate = 35.97% (5.38m / 15.0m)
NOPAT = 55.9m (EBIT 87.3m * (1 - 35.97%))
Current Ratio = 1.85 (Total Current Assets 299.8m / Total Current Liabilities 162.4m)
Debt / Equity = 1.49 (Debt 479.2m / totalStockholderEquity, last quarter 320.8m)
Debt / EBITDA = 3.77 (Net Debt 368.4m / EBITDA 97.8m)
Debt / FCF = 4.99 (Net Debt 368.4m / 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 = 13.45% (EBIT 87.3m / Capital Employed (Equity 261.2m + L.T.Debt 387.7m))
RoIC = 8.10% (NOPAT 55.9m / Invested Capital 689.8m)
WACC = 7.11% (E(445.2m)/V(924.4m) * Re(8.39%) + D(479.2m)/V(924.4m) * Rd(9.26%) * (1-Tc(0.36)))
Discount Rate = 8.39% (= 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 = 53.54 (EV 1.12b - Net Debt 368.4m = Equity 751.4m / 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=-8.98% | Revisions=-40% | Analysts=3
EPS current Year (2026-12-31): EPS=5.36 | Chg30d=-8.32% | Revisions=-17% | GrowthEPS=+58.5% | GrowthRev=+17.3%
EPS next Year (2027-12-31): EPS=6.61 | Chg30d=-2.53% | Revisions=-17% | GrowthEPS=+23.4% | GrowthRev=+6.9%
[Analyst] Revisions Ratio: -36% (up=2, down=6)