LENDINGTREE INC (TREE) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:TREE • US52603B1070

47.46 USD
+4.5 (+10.47%)
At close: Feb 6, 2026
48.4 USD
+0.94 (+1.98%)
After Hours: 2/6/2026, 8:09:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • TREE had positive earnings in the past year.
  • 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

  • Looking at the Return On Assets, with a value of 1.86%, TREE is in line with its industry, outperforming 46.30% of the companies in the same industry.
  • TREE's Return On Equity of 10.69% is in line compared to the rest of the industry. TREE outperforms 44.44% of its industry peers.
  • TREE's Return On Invested Capital of 10.51% is fine compared to the rest of the industry. TREE outperforms 79.63% of its industry peers.
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 has a Operating Margin (7.27%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of TREE has declined.
  • TREE has a Gross Margin of 96.16%. This is amongst the best in 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 5 years ago, TREE has more shares outstanding
  • Compared to 1 year ago, TREE has an improved debt to assets ratio.
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 0.86. This is a bad value and indicates that TREE is not financially healthy and even has some risk of bankruptcy.
  • TREE's Altman-Z score of 0.86 is in line compared to the rest of the industry. TREE outperforms 59.26% of its industry peers.
  • TREE has a debt to FCF ratio of 6.48. This is a slightly negative value and a sign of low solvency as TREE would need 6.48 years to pay back of all of its debts.
  • TREE has a Debt to FCF ratio of 6.48. This is in the better half of the industry: TREE outperforms 70.37% of its industry peers.
  • A Debt/Equity ratio of 2.93 is on the high side and indicates that TREE has dependencies on debt financing.
  • With a Debt to Equity ratio value of 2.93, TREE perfoms like the industry average, outperforming 46.30% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.93
Debt/FCF 6.48
Altman-Z 0.86
ROIC/WACC1.27
WACC8.27%
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

  • TREE has a Current Ratio of 1.43. This is a normal value and indicates that TREE is financially healthy and should not expect problems in meeting 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.
  • TREE has a Quick Ratio of 1.43. This is a normal value and indicates that TREE is financially healthy and should not expect problems in meeting its short term obligations.
  • The Quick ratio of TREE (1.43) is better than 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

  • The Earnings Per Share has grown by an impressive 114.66% over the past year.
  • 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.
  • TREE shows a strong growth in Revenue. In the last year, the Revenue has grown by 37.01%.
  • Measured over the past years, TREE shows a decrease in Revenue. The Revenue has been decreasing by -4.04% on average per year.
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

  • TREE is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.34% yearly.
  • The Revenue is expected to grow by 8.32% on average over the next years. This is quite good.
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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

  • A Price/Earnings ratio of 9.53 indicates a reasonable 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 27.93, TREE is valued rather cheaply.
  • TREE is valuated reasonably with a Price/Forward Earnings ratio of 9.34.
  • TREE's Price/Forward Earnings is on the same level as the industry average.
  • TREE is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.77, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.53
Fwd PE 9.34
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

  • TREE's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TREE is cheaper than 74.07% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of TREE is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 10.71
EV/EBITDA 9.78
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.
  • A more expensive valuation may be justified as TREE's earnings are expected to grow with 22.71% in the coming years.
PEG (NY)0.18
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

  • No dividends for TREE!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

LENDINGTREE INC

NASDAQ:TREE (2/6/2026, 8:09:01 PM)

After market: 48.4 +0.94 (+1.98%)

47.46

+4.5 (+10.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-30
Earnings (Next)03-02
Inst Owners85.22%
Inst Owner Change5.72%
Ins Owners2.26%
Ins Owner Change0.98%
Market Cap648.78M
Revenue(TTM)1.06B
Net Income(TTM)14.16M
Analysts83.33
Price Target82.96 (74.8%)
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 9.53
Fwd PE 9.34
P/S 0.61
P/FCF 10.71
P/OCF 8.91
P/B 4.9
P/tB N/A
EV/EBITDA 9.78
EPS(TTM)4.98
EY10.49%
EPS(NY)5.08
Fwd EY10.71%
FCF(TTM)4.43
FCFY9.34%
OCF(TTM)5.33
OCFY11.22%
SpS77.48
BVpS9.69
TBVpS-21.11
PEG (NY)0.18
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 0.86
F-Score8
WACC8.27%
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 9.53 and the Price/Book (PB) ratio is 4.9.


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.