(TREE) Lendingtree - Overview
Sector: Financial Services | Industry: Financial Conglomerates | Exchange: NASDAQ (USA) | Market Cap: 508m USD | Total Return: 2.5% in 12m
Avg Turnover: 10.9M
EPS Trend: 86.4%
Qual. Beats: 0
Rev. Trend: 85.2%
Qual. Beats: 0
Warnings
Earnings expected to drop: P/E 2.8 → Forward 5.9
Below Avwap Earnings
Tailwinds
No distinct edge detected
LendingTree, Inc. operates an online consumer platform in the United States, connecting users with financial service providers across three primary segments: Home, Consumer, and Insurance. The Home and Consumer segments facilitate a variety of lending products, including mortgages, credit cards, and personal or small business loans. Its Insurance segment utilizes marketplaces like QuoteWizard and ValuePenguin to offer comparison tools for auto, home, life, and health insurance coverage.
The company functions as a lead-generation marketplace, earning revenue by matching high-intent consumers with financial institutions rather than originating the loans or policies itself. This business model relies heavily on the interest rate environment, as fluctuations in rates directly impact consumer demand for refinancing and mortgage products. For a deeper analysis of the factors driving these metrics, ValueRay offers additional insights.
The firm was incorporated in 1996 and rebranded from Tree.com to LendingTree in 2015. Headquartered in Charlotte, North Carolina, it remains a central player in the digital transformation of the consumer finance sector.
- Mortgage interest rate fluctuations dictate Home segment loan origination and refinance volume
- Insurance carrier marketing spend recovery drives high-margin lead generation revenue growth
- Consumer credit card and personal loan demand sensitivity to macroeconomic stability
- Operating margin expansion dependent on efficient customer acquisition cost and marketing spend
- Regulatory shifts in consumer data privacy impact insurance and loan matching efficiency
| 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: 1.42 > 6 (EBITDA TTM 140.6m / Interest Expense TTM 83.7m) |
| 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: -1.27 (Book Value of Equity -710.7m / Total Liabilities 559.1m) |
| Altman-Z'' = -2.17 = D |
| DSRI: 0.87 (Receivables 117.5m/108.6m, Revenue 1.20b/972.2m) |
| GMI: 1.00 (GM 96.32% / 96.15%) |
| 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 = -2.75 (Cap -4..+1) = A |
As of May 27, 2026, the stock is trading at USD 36.71 with a total of 134,581 shares traded.
Over the past week, the price has changed by +1.27%,
over one month by -24.56%,
over three months by -4.20% and
over the past year by +2.54%.
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 | 79.3% |
P/E Trailing = 2.8189
P/E Forward = 5.9207
P/S = 0.4218
P/B = 1.6754
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 = 907.4m USD (508.2m + Debt 484.8m - CCE 85.5m)
Interest Coverage Ratio = 1.42 (Ebit TTM 119.0m / Interest Expense TTM 83.7m)
EV/FCF = 12.42x (Enterprise Value 907.4m / FCF TTM 73.1m)
FCF Yield = 8.05% (FCF TTM 73.1m / Enterprise Value 907.4m)
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 = 1.05 (Enterprise Value 907.4m / Total Assets 863.9m)
Interest Expense / Debt = 17.26% (Interest Expense 83.7m / 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 = 19.64% (Net Income TTM 180.9m / Total Stockholder Equity 921.3m)
RoCE = 9.10% (EBIT 119.0m / Capital Employed (Equity 921.3m + L.T.Debt 387.0m))
RoIC = 13.65% (NOPAT 89.7m / Invested Capital 657.2m)
WACC = 11.35% (E(508.2m)/V(992.9m) * Re(9.77%) + D(484.8m)/V(992.9m) * Rd(17.26%) * (1-Tc(0.25)))
Discount Rate = 9.77% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 78.21 | Cagr: 3.73%
[DCF] Terminal Value 68.91% ; FCFF base≈61.6m ; Y1≈70.7m ; Y5≈104.0m
[DCF] Fair Price = 44.58 (EV 1.02b - Net Debt 399.2m = Equity 622.0m / Shares 14.0m; r=11.35% [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=+20% | Analysts=3
EPS next Quarter (2026-09-30): EPS=1.39 | Chg30d=-1.04% | Revisions=-33% | Analysts=3
EPS current Year (2026-12-31): EPS=5.84 | Chg30d=+3.91% | Revisions=-14% | GrowthEPS=+72.9% | GrowthRev=+18.6%
EPS next Year (2027-12-31): EPS=6.78 | Chg30d=-2.50% | Revisions=-14% | GrowthEPS=+16.1% | GrowthRev=+6.9%
[Analyst] Revisions Ratio: -33%