LENDINGTREE INC (TREE) Stock Fundamental Analysis
NASDAQ:TREE • US52603B1070
33.24 USD
-5.71 (-14.66%)
At close: Feb 23, 2026
33.5921 USD
+0.35 (+1.06%)
After Hours: 2/23/2026, 8:18:54 PM
We assign a fundamental rating of 5 out of 10 to TREE. TREE was compared to 54 industry peers in the Consumer Finance industry. TREE has an average financial health and profitability rating. TREE may be a bit undervalued, certainly considering the very reasonable score on growth
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.
- In the past 5 years TREE always reported a positive cash flow from operatings.
1.2 Ratios
- TREE has a Return On Assets of 1.86%. This is comparable to the rest of the industry: TREE outperforms 46.30% of its industry peers.
- TREE has a Return On Equity (10.69%) which is comparable to the rest of the industry.
- TREE's Return On Invested Capital of 10.51% is amongst the best of the industry. TREE outperforms 81.48% 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
- Looking at the Profit Margin, with a value of 1.34%, TREE is doing worse than 77.78% of the companies in the same industry.
- 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.
- 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 90.74% 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
- 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.
- The number of shares outstanding for TREE has been increased compared to 5 years ago.
- TREE has a better debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.68, we must say that TREE is in the distress zone and has some risk of bankruptcy.
- With a Altman-Z score value of 0.68, TREE perfoms like the industry average, outperforming 53.70% of the companies in the same industry.
- 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.
- With a decent Debt to FCF ratio value of 6.48, TREE is doing good in the industry, outperforming 68.52% 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 48.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.93 | ||
| Debt/FCF | 6.48 | ||
| Altman-Z | 0.68 |
ROIC/WACC1.29
WACC8.12%
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.
- 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 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.
- The earnings per share for TREE have been decreasing by -10.75% on average. This is quite bad
- The Revenue has grown by 37.01% in the past year. This is a very strong growth!
- 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.
- TREE is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.32% yearly.
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
- A Price/Earnings ratio of 6.67 indicates a rather cheap valuation of TREE.
- Compared to the rest of the industry, the Price/Earnings ratio of TREE indicates a somewhat cheap valuation: TREE is cheaper than 62.96% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of TREE to the average of the S&P500 Index (26.64), we can say TREE is valued rather cheaply.
- With a Price/Forward Earnings ratio of 6.54, the valuation of TREE can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of TREE indicates a somewhat cheap valuation: TREE is cheaper than 75.93% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 27.75, TREE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.67 | ||
| Fwd PE | 6.54 |
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.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.5 | ||
| EV/EBITDA | 7.83 |
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)0.12
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% |
33.24
-5.71 (-14.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)03-02 2026-03-02/amc
Inst Owners85.22%
Inst Owner Change4.23%
Ins Owners2.26%
Ins Owner Change1.18%
Market Cap454.39M
Revenue(TTM)1.06B
Net Income(TTM)14.16M
Analysts83.33
Price Target82.96 (149.58%)
Short Float %8.32%
Short Ratio3.18
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)0%
PT rev (3m)12.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-11.59%
EPS NY rev (1m)0%
EPS NY rev (3m)3.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.67 | ||
| Fwd PE | 6.54 | ||
| P/S | 0.43 | ||
| P/FCF | 7.5 | ||
| P/OCF | 6.24 | ||
| P/B | 3.43 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.83 |
EPS(TTM)4.98
EY14.98%
EPS(NY)5.08
Fwd EY15.29%
FCF(TTM)4.43
FCFY13.33%
OCF(TTM)5.33
OCFY16.02%
SpS77.48
BVpS9.69
TBVpS-21.11
PEG (NY)0.12
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 | 0.68 |
F-Score8
WACC8.12%
ROIC/WACC1.29
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 5 / 10 to TREE.
Can you provide the valuation status for LENDINGTREE INC?
ChartMill assigns a valuation rating of 7 / 10 to LENDINGTREE INC (TREE). This can be considered as Undervalued.
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 6.67 and the Price/Book (PB) ratio is 3.43.
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.