56.66 USD
-1.85 (-3.16%)
At close: Jan 30, 2026
56.66 USD
0 (0%)
After Hours: 1/30/2026, 8:21:48 PM
Overall TREE gets a fundamental rating of 4 out of 10. We evaluated TREE against 53 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 decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- TREE had positive earnings in the past year.
- In the past year TREE had a positive cash flow from operations.
- 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's Return On Assets of 1.86% is in line compared to the rest of the industry. TREE outperforms 45.28% of its industry peers.
- TREE's Return On Equity of 10.69% is in line compared to the rest of the industry. TREE outperforms 43.40% of its industry peers.
- With a decent Return On Invested Capital value of 10.51%, TREE is doing good in the industry, outperforming 79.25% 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
- TREE has a Profit Margin of 1.34%. This is in the lower half of the industry: TREE underperforms 77.36% 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.
- The Gross Margin of TREE (96.16%) is better than 92.45% of its industry peers.
- TREE's Gross Margin has been stable in the last couple of years.
| 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.
- 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.
- TREE has a better debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 1.01, we must say that TREE is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of TREE (1.01) is better than 64.15% 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.
- With a decent Debt to FCF ratio value of 6.48, TREE is doing good in the industry, outperforming 69.81% 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.
- Looking at the Debt to Equity ratio, with a value of 2.93, TREE is in line with its industry, outperforming 45.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.93 | ||
| Debt/FCF | 6.48 | ||
| Altman-Z | 1.01 |
ROIC/WACC1.27
WACC8.27%
2.3 Liquidity
- A Current Ratio of 1.43 indicates that TREE should not have too much problems paying its short term obligations.
- TREE's Current ratio of 1.43 is fine compared to the rest of the industry. TREE outperforms 62.26% 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.
- Looking at the Quick ratio, with a value of 1.43, TREE is in the better half of the industry, outperforming 62.26% of the companies in the same industry.
| 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.
- 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
- 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.
- 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
- 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 11.38.
- TREE's Price/Earnings is on the same level as the industry average.
- TREE is valuated cheaply when we compare the Price/Earnings ratio to 28.30, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 11.15, the valuation of TREE can be described as reasonable.
- The rest of the industry has a similar Price/Forward Earnings ratio as TREE.
- When comparing the Price/Forward Earnings ratio of TREE to the average of the S&P500 Index (25.57), we can say TREE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.38 | ||
| Fwd PE | 11.15 |
4.2 Price Multiples
- 64.15% of the companies in the same industry are more expensive than TREE, based on the Enterprise Value to EBITDA ratio.
- TREE's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.79 | ||
| EV/EBITDA | 11.3 |
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)0.21
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% |
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 11.38 and the Price/Book (PB) ratio is 5.85.
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.