54.12 USD
+0.99 (+1.86%)
Taking everything into account, TREE scores 4 out of 10 in our fundamental rating. TREE was compared to 56 industry peers in the Consumer Finance industry. Both the profitability and the financial health of TREE get a neutral evaluation. Nothing too spectacular is happening here. TREE has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year TREE was profitable.
TREE had a positive operating cash flow in the past year.
TREE had negative earnings in 4 of the past 5 years.
Each year in the past 5 years TREE had a positive operating cash flow.
1.2 Ratios
TREE has a Return On Assets (1.86%) which is in line with its industry peers.
TREE has a Return On Equity (10.69%) which is in line with its industry peers.
TREE has a Return On Invested Capital of 10.51%. This is amongst the best in the industry. TREE outperforms 80.36% of its industry peers.
| 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
TREE has a Profit Margin of 1.34%. This is in the lower half of the industry: TREE underperforms 71.43% of its industry peers.
TREE's Operating Margin of 7.27% is in line compared to the rest of the industry. TREE outperforms 46.43% 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 92.86% 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 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), TREE is creating some value.
TREE has more shares outstanding than it did 1 year ago.
TREE has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, TREE has an improved debt to assets ratio.
2.2 Solvency
TREE has an Altman-Z score of 0.95. This is a bad value and indicates that TREE is not financially healthy and even has some risk of bankruptcy.
With a decent Altman-Z score value of 0.95, TREE is doing good in the industry, outperforming 62.50% of the companies in the same industry.
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.
TREE's Debt to FCF ratio of 6.48 is fine compared to the rest of the industry. TREE outperforms 69.64% 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 has a Debt to Equity ratio (2.93) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.93 | ||
| Debt/FCF | 6.48 | ||
| Altman-Z | 0.95 |
ROIC/WACC1.05
WACC10.02%
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 64.29% of its industry peers.
A Quick Ratio of 1.43 indicates that TREE should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.43, TREE is in the better half of the industry, outperforming 64.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.43 | ||
| Quick Ratio | 1.43 |
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.
The earnings per share for TREE have been decreasing by -10.75% on average. This is quite bad
TREE shows a strong growth in Revenue. In the last year, the Revenue has grown by 37.01%.
TREE shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -4.04% yearly.
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
The Earnings Per Share is expected to grow by 14.34% on average over the next years. This is quite good.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.87, the valuation of TREE can be described as reasonable.
The rest of the industry has a similar Price/Earnings ratio as TREE.
TREE is valuated cheaply when we compare the Price/Earnings ratio to 26.59, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 10.65, the valuation of TREE can be described as reasonable.
TREE's Price/Forward Earnings ratio is in line with the industry average.
TREE is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.03, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.87 | ||
| Fwd PE | 10.65 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TREE indicates a somewhat cheap valuation: TREE is cheaper than 69.64% of the companies listed in the same industry.
TREE's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.22 | ||
| EV/EBITDA | 10.7 |
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)0.2
PEG (5Y)N/A
EPS Next 2Y26.03%
EPS Next 3Y22.71%
5. Dividend
5.1 Amount
No dividends for TREE!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NASDAQ:TREE (12/24/2025, 8:04:06 PM)
54.12
+0.99 (+1.86%)
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 Change1.22%
Market Cap739.82M
Revenue(TTM)1.06B
Net Income(TTM)14.16M
Analysts83.33
Price Target82.96 (53.29%)
Short Float %6.64%
Short Ratio2.95
Dividend
| Industry Rank | Sector 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)12.96%
PT rev (3m)12.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-11.82%
EPS NY rev (1m)3.94%
EPS NY rev (3m)11.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)7.79%
Revenue NY rev (1m)0.55%
Revenue NY rev (3m)4.83%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.87 | ||
| Fwd PE | 10.65 | ||
| P/S | 0.7 | ||
| P/FCF | 12.22 | ||
| P/OCF | 10.16 | ||
| P/B | 5.59 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.7 |
EPS(TTM)4.98
EY9.2%
EPS(NY)5.08
Fwd EY9.39%
FCF(TTM)4.43
FCFY8.19%
OCF(TTM)5.33
OCFY9.84%
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 | 0.95 |
F-Score8
WACC10.02%
ROIC/WACC1.05
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 10.87 and the Price/Book (PB) ratio is 5.59.
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.