LENDINGTREE INC (TREE) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:TREE • US52603B1070

43.36 USD
-2.2 (-4.83%)
Last: Feb 5, 2026, 03:30 PM
Fundamental Rating

4

Taking everything into account, TREE scores 4 out of 10 in our fundamental rating. TREE was compared to 54 industry peers in the Consumer Finance industry. TREE has an average financial health and profitability rating. TREE has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year TREE was profitable.
  • TREE had a positive operating cash flow in the past year.
  • In the past 5 years TREE reported 4 times negative net income.
  • TREE had a positive operating cash flow in each of the past 5 years.
TREE Yearly Net Income VS EBIT VS OCF VS FCFTREE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M

1.2 Ratios

  • TREE has a Return On Assets (1.86%) which is in line with its industry peers.
  • With a Return On Equity value of 10.69%, TREE perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 10.51%, TREE is in the better half of the industry, outperforming 79.63% of the companies in the same industry.
Industry RankSector Rank
ROA 1.86%
ROE 10.69%
ROIC 10.51%
ROA(3y)-12.12%
ROA(5y)-7.02%
ROE(3y)-75.77%
ROE(5y)-45.03%
ROIC(3y)N/A
ROIC(5y)N/A
TREE Yearly ROA, ROE, ROICTREE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40 -60 -80

1.3 Margins

  • TREE has a worse Profit Margin (1.34%) than 74.07% of its industry peers.
  • TREE's Operating Margin of 7.27% is in line compared to the rest of the industry. TREE outperforms 42.59% of its industry peers.
  • In the last couple of years the Operating Margin of TREE has declined.
  • TREE's Gross Margin of 96.16% is amongst the best of the industry. TREE outperforms 92.59% of its industry peers.
  • In the last couple of years the Gross Margin of TREE has remained more or less at the same level.
Industry RankSector Rank
OM 7.27%
PM (TTM) 1.34%
GM 96.16%
OM growth 3Y91.7%
OM growth 5Y-5.54%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.42%
GM growth 5Y0.46%
TREE Yearly Profit, Operating, Gross MarginsTREE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

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4

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so TREE is still creating some value.
  • The number of shares outstanding for TREE has been increased compared to 1 year ago.
  • The number of shares outstanding for TREE has been increased compared to 5 years ago.
  • The debt/assets ratio for TREE has been reduced compared to a year ago.
TREE Yearly Shares OutstandingTREE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
TREE Yearly Total Debt VS Total AssetsTREE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

  • TREE has an Altman-Z score of 0.84. This is a bad value and indicates that TREE is not financially healthy and even has some risk of bankruptcy.
  • TREE has a Altman-Z score of 0.84. This is comparable to the rest of the industry: TREE outperforms 59.26% of its industry peers.
  • The Debt to FCF ratio of TREE is 6.48, which is on the high side as it means it would take TREE, 6.48 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 6.48, TREE is in the better half of the industry, outperforming 70.37% of the companies in the same industry.
  • TREE has a Debt/Equity ratio of 2.93. This is a high value indicating a heavy dependency on external financing.
  • TREE has a Debt to Equity ratio of 2.93. This is comparable to the rest of the industry: TREE outperforms 46.30% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.93
Debt/FCF 6.48
Altman-Z 0.84
ROIC/WACC1.27
WACC8.28%
TREE Yearly LT Debt VS Equity VS FCFTREE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 1.43 indicates that TREE should not have too much problems paying its short term obligations.
  • TREE has a Current ratio of 1.43. This is in the better half of the industry: TREE outperforms 62.96% of its industry peers.
  • A Quick Ratio of 1.43 indicates that TREE should not have too much problems paying its short term obligations.
  • TREE has a Quick ratio of 1.43. This is in the better half of the industry: TREE outperforms 62.96% of its industry peers.
Industry RankSector Rank
Current Ratio 1.43
Quick Ratio 1.43
TREE Yearly Current Assets VS Current LiabilitesTREE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • TREE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 114.66%, which is quite impressive.
  • Measured over the past years, TREE shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -10.75% on average per year.
  • The Revenue has grown by 37.01% in the past year. This is a very strong growth!
  • The Revenue has been decreasing by -4.04% on average over the past years.
EPS 1Y (TTM)114.66%
EPS 3Y27.33%
EPS 5Y-10.75%
EPS Q2Q%112.5%
Revenue 1Y (TTM)37.01%
Revenue growth 3Y-6.42%
Revenue growth 5Y-4.04%
Sales Q2Q%18.02%

3.2 Future

  • Based on estimates for the next years, TREE will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.34% on average per year.
  • Based on estimates for the next years, TREE will show a quite strong growth in Revenue. The Revenue will grow by 8.32% on average per year.
EPS Next Y53.51%
EPS Next 2Y26.03%
EPS Next 3Y22.71%
EPS Next 5Y14.34%
Revenue Next Year23.83%
Revenue Next 2Y15.28%
Revenue Next 3Y11.17%
Revenue Next 5Y8.32%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
TREE Yearly Revenue VS EstimatesTREE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 500M 1B
TREE Yearly EPS VS EstimatesTREE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2 4 6 8

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.71, which indicates a very decent valuation of TREE.
  • TREE's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 28.25, TREE is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.53 indicates a reasonable valuation of TREE.
  • TREE's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.50, TREE is valued rather cheaply.
Industry RankSector Rank
PE 8.71
Fwd PE 8.53
TREE Price Earnings VS Forward Price EarningsTREE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, TREE is valued a bit cheaper than 74.07% of the companies in the same industry.
  • TREE's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 9.79
EV/EBITDA 9.52
TREE Per share dataTREE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 60

4.3 Compensation for Growth

  • TREE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • TREE's earnings are expected to grow with 22.71% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.16
PEG (5Y)N/A
EPS Next 2Y26.03%
EPS Next 3Y22.71%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • TREE does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

LENDINGTREE INC

NASDAQ:TREE (2/5/2026, 3:30:33 PM)

43.36

-2.2 (-4.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-30
Earnings (Next)03-02
Inst Owners85.22%
Inst Owner Change5.81%
Ins Owners2.26%
Ins Owner Change1.22%
Market Cap592.73M
Revenue(TTM)1.06B
Net Income(TTM)14.16M
Analysts83.33
Price Target82.96 (91.33%)
Short Float %7.54%
Short Ratio3.63
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)26.97%
Min EPS beat(2)10.05%
Max EPS beat(2)43.89%
EPS beat(4)4
Avg EPS beat(4)619.28%
Min EPS beat(4)10.05%
Max EPS beat(4)2374.51%
EPS beat(8)8
Avg EPS beat(8)392.37%
EPS beat(12)12
Avg EPS beat(12)335.93%
EPS beat(16)16
Avg EPS beat(16)293.6%
Revenue beat(2)1
Avg Revenue beat(2)3.97%
Min Revenue beat(2)-0.44%
Max Revenue beat(2)8.38%
Revenue beat(4)2
Avg Revenue beat(4)3.03%
Min Revenue beat(4)-4.05%
Max Revenue beat(4)8.38%
Revenue beat(8)5
Avg Revenue beat(8)3.1%
Revenue beat(12)5
Avg Revenue beat(12)0.15%
Revenue beat(16)5
Avg Revenue beat(16)-0.71%
PT rev (1m)0%
PT rev (3m)12.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-11.82%
EPS NY rev (1m)0%
EPS NY rev (3m)11.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)7.79%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.83%
Valuation
Industry RankSector Rank
PE 8.71
Fwd PE 8.53
P/S 0.56
P/FCF 9.79
P/OCF 8.14
P/B 4.48
P/tB N/A
EV/EBITDA 9.52
EPS(TTM)4.98
EY11.49%
EPS(NY)5.08
Fwd EY11.72%
FCF(TTM)4.43
FCFY10.22%
OCF(TTM)5.33
OCFY12.28%
SpS77.48
BVpS9.69
TBVpS-21.11
PEG (NY)0.16
PEG (5Y)N/A
Graham Number32.94
Profitability
Industry RankSector Rank
ROA 1.86%
ROE 10.69%
ROCE 13.31%
ROIC 10.51%
ROICexc 11.92%
ROICexgc 67.97%
OM 7.27%
PM (TTM) 1.34%
GM 96.16%
FCFM 5.72%
ROA(3y)-12.12%
ROA(5y)-7.02%
ROE(3y)-75.77%
ROE(5y)-45.03%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y119.8%
ROICexc growth 5Y1.26%
OM growth 3Y91.7%
OM growth 5Y-5.54%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.42%
GM growth 5Y0.46%
F-Score8
Asset Turnover1.39
Health
Industry RankSector Rank
Debt/Equity 2.93
Debt/FCF 6.48
Debt/EBITDA 3.91
Cap/Depr 54.79%
Cap/Sales 1.16%
Interest Coverage 250
Cash Conversion 73.25%
Profit Quality 427.79%
Current Ratio 1.43
Quick Ratio 1.43
Altman-Z 0.84
F-Score8
WACC8.28%
ROIC/WACC1.27
Cap/Depr(3y)39.47%
Cap/Depr(5y)47.75%
Cap/Sales(3y)1.42%
Cap/Sales(5y)2.42%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)114.66%
EPS 3Y27.33%
EPS 5Y-10.75%
EPS Q2Q%112.5%
EPS Next Y53.51%
EPS Next 2Y26.03%
EPS Next 3Y22.71%
EPS Next 5Y14.34%
Revenue 1Y (TTM)37.01%
Revenue growth 3Y-6.42%
Revenue growth 5Y-4.04%
Sales Q2Q%18.02%
Revenue Next Year23.83%
Revenue Next 2Y15.28%
Revenue Next 3Y11.17%
Revenue Next 5Y8.32%
EBIT growth 1Y149.01%
EBIT growth 3Y79.39%
EBIT growth 5Y-9.36%
EBIT Next Year270.38%
EBIT Next 3Y65.66%
EBIT Next 5Y38.51%
FCF growth 1Y18.91%
FCF growth 3Y-20.82%
FCF growth 5Y-16.25%
OCF growth 1Y14.96%
OCF growth 3Y-23.28%
OCF growth 5Y-15.43%

LENDINGTREE INC / TREE FAQ

What is the ChartMill fundamental rating of LENDINGTREE INC (TREE) stock?

ChartMill assigns a fundamental rating of 4 / 10 to TREE.


Can you provide the valuation status for LENDINGTREE INC?

ChartMill assigns a valuation rating of 6 / 10 to LENDINGTREE INC (TREE). This can be considered as Fairly Valued.


Can you provide the profitability details for LENDINGTREE INC?

LENDINGTREE INC (TREE) has a profitability rating of 4 / 10.


What is the valuation of LENDINGTREE INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for LENDINGTREE INC (TREE) is 8.71 and the Price/Book (PB) ratio is 4.48.


What is the expected EPS growth for LENDINGTREE INC (TREE) stock?

The Earnings per Share (EPS) of LENDINGTREE INC (TREE) is expected to grow by 53.51% in the next year.