54.06 USD
-1.88 (-3.36%)
54.06 USD
0 (0%)
Taking everything into account, TREE scores 4 out of 10 in our fundamental rating. TREE was compared to 55 industry peers in the Consumer Finance industry. TREE has only an average score on both its financial health and profitability. TREE is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year TREE was profitable.
In the past year TREE had a positive cash flow from operations.
In the past 5 years TREE reported 4 times negative net income.
Each year in the past 5 years TREE had a positive operating cash flow.
1.2 Ratios
TREE has a Return On Assets of 1.86%. This is comparable to the rest of the industry: TREE outperforms 50.91% of its industry peers.
Looking at the Return On Equity, with a value of 10.69%, TREE is in line with its industry, outperforming 49.09% 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 80.00% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
With a Profit Margin value of 1.34%, TREE is not doing good in the industry: 72.73% of the companies in the same industry are doing better.
With a Operating Margin value of 7.27%, TREE perfoms like the industry average, outperforming 45.45% of the companies in the same industry.
TREE's Operating Margin has declined in the last couple of years.
With an excellent Gross Margin value of 96.16%, TREE belongs to the best of the industry, outperforming 92.73% of the companies in the same industry.
In the last couple of years the Gross Margin of TREE has remained more or less at the same level.
| Industry Rank | Sector 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%
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.
TREE has more shares outstanding than it did 5 years ago.
TREE has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.97, we must say that TREE is in the distress zone and has some risk of bankruptcy.
TREE has a better Altman-Z score (0.97) than 63.64% 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 69.09% of its industry peers.
TREE has a Debt/Equity ratio of 2.93. This is a high value indicating a heavy dependency on external financing.
TREE's Debt to Equity ratio of 2.93 is in line compared to the rest of the industry. TREE outperforms 43.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.93 | ||
| Debt/FCF | 6.48 | ||
| Altman-Z | 0.97 |
ROIC/WACC1.04
WACC10.07%
2.3 Liquidity
A Current Ratio of 1.43 indicates that TREE should not have too much problems paying its short term obligations.
With a decent Current ratio value of 1.43, TREE is doing good in the industry, outperforming 63.64% of the companies in the same industry.
A Quick Ratio of 1.43 indicates that TREE should not have too much problems paying its short term obligations.
The Quick ratio of TREE (1.43) is better than 63.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.43 | ||
| Quick Ratio | 1.43 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 114.66% over the past year.
TREE shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.75% yearly.
TREE shows a strong growth in Revenue. In the last year, the Revenue has grown by 37.01%.
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
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.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
TREE is valuated reasonably with a Price/Earnings ratio of 10.86.
Compared to the rest of the industry, the Price/Earnings ratio of TREE is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 26.54. TREE is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 10.64, the valuation of TREE can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as TREE.
TREE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 10.64 |
4.2 Price Multiples
TREE's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TREE is cheaper than 67.27% of the companies in the same industry.
TREE's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.2 | ||
| EV/EBITDA | 10.95 |
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)0.2
PEG (5Y)N/A
EPS Next 2Y26.03%
EPS Next 3Y22.71%
5. Dividend
5.1 Amount
TREE does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
54.06
-1.88 (-3.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners83.94%
Inst Owner Change2.01%
Ins Owners2.26%
Ins Owner Change9.56%
Market Cap739.00M
Revenue(TTM)1.06B
Net Income(TTM)14.16M
Analysts83.33
Price Target82.96 (53.46%)
Short Float %6.93%
Short Ratio3.04
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)12.96%
PT rev (3m)19.61%
EPS NQ rev (1m)-11.59%
EPS NQ rev (3m)-11.82%
EPS NY rev (1m)3.94%
EPS NY rev (3m)11.7%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)7.79%
Revenue NY rev (1m)0.55%
Revenue NY rev (3m)4.83%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.86 | ||
| Fwd PE | 10.64 | ||
| P/S | 0.7 | ||
| P/FCF | 12.2 | ||
| P/OCF | 10.15 | ||
| P/B | 5.58 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.95 |
EPS(TTM)4.98
EY9.21%
EPS(NY)5.08
Fwd EY9.4%
FCF(TTM)4.43
FCFY8.2%
OCF(TTM)5.33
OCFY9.85%
SpS77.48
BVpS9.69
TBVpS-21.11
PEG (NY)0.2
PEG (5Y)N/A
Graham Number32.94
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.97 |
F-Score8
WACC10.07%
ROIC/WACC1.04
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.
What is the valuation status for TREE stock?
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.
Can you provide the PE and PB ratios for TREE stock?
The Price/Earnings (PE) ratio for LENDINGTREE INC (TREE) is 10.86 and the Price/Book (PB) ratio is 5.58.
Can you provide the expected EPS growth for TREE stock?
The Earnings per Share (EPS) of LENDINGTREE INC (TREE) is expected to grow by 53.51% in the next year.