TNL Stock Analysis: Travel + Leisure | NYSE
Travel Services | NYSE, USA | Market Cap: 3.958m USD | 12M Return: 12.2% | US8941641024 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 41.3M
EPS Trend: 89.7%
Qual. Beats: -1
Rev. Trend: 99.3%
Qual. Beats: 1
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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.
Travel + Leisure Co. (NYSE: TNL) is an Orlando-based hospitality company operating in two segments: Vacation Ownership, which develops, markets, and sells vacation ownership interests (VOIs) under brands such as Club Wyndham, WorldMark, Margaritaville Vacation Club, and Accor Vacation Club, along with related consumer financing and resort property management; and Travel and Membership, which runs vacation exchange networks, travel technology platforms, travel memberships, direct-to-consumer rentals, and business-to-business private-label travel club solutions. The company maintains a strategic alliance with Hornblower Group, Inc., was founded in 1990, and rebranded from Wyndham Destinations, Inc. to Travel + Leisure Co. in February 2021.
The company sits within the Consumer Discretionary sector (GICS sub-industry: Hotels, Resorts & Cruise Lines), and its timeshare-style VOI model typically generates revenue through upfront sales, recurring maintenance fees, and consumer financing income. The Travel and Membership segment functions similarly to timeshare exchange networks (such as Interval International and RCI), connecting owners with inventory across affiliated resorts and producing recurring subscription and booking revenue.
- Vacation Ownership timeshare sales drive segment revenue growth
- Travel and Membership subscription fees expand on member base growth
- Consumer loan portfolio performance impacts Vacation Ownership margins
| Net Income: 238.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA 2.62 > 1.0 |
| NWC/Revenue: 77.60% < 20% (prev 84.17%; Δ -6.57% < -1%) |
| CFO/TA 0.12 > 3% & CFO 843.0m > Net Income 238.0m |
| Net Debt (5.45b) to EBITDA (701.0m): 7.78 < 3 |
| Current Ratio: 3.15 > 1.5 & < 3 |
| Outstanding Shares: last quarter (63.4m) vs 12m ago -4.66% < -2% |
| Gross Margin: 45.19% > 18% (prev 49.31%; Δ -4.12% > 0.5%) |
| Asset Turnover: 59.74% > 50% (prev 57.51%; Δ 2.23% > 0%) |
| Interest Coverage Ratio: 1.56 > 6 (EBIT TTM 574.0m / Interest Expense TTM 368.0m) |
| A: 0.46 (Total Current Assets 4.66b - Total Current Liabilities 1.48b) / Total Assets 6.90b |
| B: 0.37 (Retained Earnings 2.52b / Total Assets 6.90b) |
| C: 0.08 (EBIT TTM 574.0m / Avg Total Assets 6.85b) |
| D: -0.13 (Book Value of Equity -1.02b / Total Liabilities 7.92b) |
| Altman-Z'' = 4.64 = AA |
| DSRI: 0.96 (Receivables 2.74b/2.74b, Revenue 4.09b/3.92b) |
| GMI: 1.09 (GM 49.31% / 45.19%) |
| AQI: 1.07 (AQ_t 0.25 / AQ_t-1 0.23) |
| SGI: 1.05 (Revenue 4.09b / 3.92b) |
| TATA: -0.09 (NI 238.0m - CFO 843.0m) / TA 6.90b) |
| Beneish M = -2.92 (Cap -4..+1) = A |
As of October 20, 2026, the stock is trading at USD 65.23 with a total of 653,192 shares traded. Over the past week, the price has changed by +5.14%, over one month by +3.47%, over three months by -9.27% and over the past year by +12.17%.
Current recommended Stop Loss: 63.10 (which is 3.3% or 1.3 ATR below the current price).
Travel + Leisure has received a consensus analysts rating of 4.54. Therefore, it is recommended to buy TNL.
- StrongBuy: 9
- Buy: 2
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 87.3 | 33.8% |
P/E Trailing = 17.6475
P/E Forward = 7.5758
P/S = 0.9668
P/B = 7.1088
P/EG = 0.5346
Revenue TTM = 4.09b USD
EBIT TTM = 574.0m USD
EBITDA TTM = 701.0m USD
Long Term Debt = 5.69b USD (from longTermDebt, last quarter)
Short Term Debt = 945.0m USD (from shortTermDebt, last fiscal year)
Debt = 5.73b USD (from shortLongTermDebtTotal, last quarter) + Leases 23.0m
Net Debt = 5.45b USD (calculated: Debt 5.73b - CCE 282.0m)
Enterprise Value = 9.41b USD (3.96b + Debt 5.73b - CCE 282.0m)
Interest Coverage Ratio = 1.56 (Ebit TTM 574.0m / Interest Expense TTM 368.0m)
EV/FCF = 13.80x (Enterprise Value 9.41b / FCF TTM 682.0m)
FCF Yield = 7.25% (FCF TTM 682.0m / Enterprise Value 9.41b)
FCF Margin = 16.66% (FCF TTM 682.0m / Revenue TTM 4.09b)
Net Margin = 5.81% (Net Income TTM 238.0m / Revenue TTM 4.09b)
Gross Margin = 45.19% ((Revenue TTM 4.09b - Cost of Revenue TTM 2.24b) / Revenue TTM)
Gross Margin QoQ = 57.01% (prev 54.11%)
Tobins Q-Ratio = 1.36 (Enterprise Value 9.41b / Total Assets 6.90b)
Interest Expense / Debt = 6.42% (Interest Expense 368.0m / Debt 5.73b)
Taxrate = 31.61% (110.0m / 348.0m)
NOPAT = 392.6m (EBIT 574.0m * (1 - 31.61%))
Current Ratio = 3.15 (Total Current Assets 4.66b / Total Current Liabilities 1.48b)
Debt / Equity = -5.63 (negative equity) (Debt 5.73b / totalStockholderEquity, last quarter -1.02b)
Debt / EBITDA = 7.78 (Net Debt 5.45b / EBITDA 701.0m)
Debt / FCF = 7.99 (Net Debt 5.45b / FCF TTM 682.0m)
Total Stockholder Equity = -961.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 3.47% (Net Income 238.0m / Total Assets 6.90b)
RoE = -24.76% (negative equity) (Net Income TTM 238.0m / Total Stockholder Equity -961.2m)
RoCE = 12.15% (EBIT 574.0m / Capital Employed (Equity -961.2m + L.T.Debt 5.69b))
RoIC = 6.37% (NOPAT 392.6m / Invested Capital 6.16b)
WACC = 6.34% (E(3.96b)/V(9.69b) * Re(9.16%) + D(5.73b)/V(9.69b) * Rd(6.42%) * (1-Tc(0.32)))
Discount Rate = 9.16% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -98.73 | Cagr: -5.50%
[DCF] Terminal Value 77.97% ; FCFF base≈607.2m ; Y1≈696.1m ; Y5≈1.02b
[DCF] Fair Price = 162.6 (EV 15.4b - Net Debt 5.45b = Equity 9.96b / Shares 61.3m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 89.69 | EPS CAGR: 8.51% | SUE: -0.87 | # QB: -1
Revenue Correlation: 99.29 | Revenue CAGR: 3.48% | SUE: 1.78 | # QB: 1
EPS current Quarter (2026-09-30): EPS=2.06 | Chg30d=-0.33% | Revisions=+55% | Analysts=12
EPS current Year (2026-12-31): EPS=7.57 | Chg30d=-0.44% | Revisions=+0% | GrowthEPS=+19.4% | GrowthRev=+4.1%
EPS next Year (2027-12-31): EPS=8.78 | Chg30d=-1.36% | Revisions=+0% | GrowthEPS=+16.0% | GrowthRev=+4.9%
[Analyst] Revisions Ratio: +55% (up=7, down=1)