LENDINGTREE INC (TREE) Stock Fundamental Analysis
NASDAQ:TREE • US52603B1070
38.95 USD
+0.56 (+1.46%)
At close: Feb 20, 2026
38.95 USD
0 (0%)
After Hours: 2/20/2026, 8:07:58 PM
Overall TREE gets a fundamental rating of 5 out of 10. We evaluated TREE against 54 industry peers in the Consumer Finance industry. TREE has only an average score on both its financial health and profitability. TREE is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
- In the past year TREE was profitable.
- TREE had a positive operating cash flow in the past year.
- 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
- 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.
- Looking at the Return On Invested Capital, with a value of 10.51%, TREE is in the better half of the industry, outperforming 79.63% 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's Profit Margin of 1.34% is on the low side compared to the rest of the industry. TREE is outperformed by 77.78% of its industry peers.
- With a Operating Margin value of 7.27%, TREE perfoms like the industry average, outperforming 42.59% of the companies in the same industry.
- TREE's Operating Margin has declined in the last couple of years.
- TREE has a better Gross Margin (96.16%) than 90.74% 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.
- TREE has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, TREE has more shares outstanding
- TREE has a better debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.75, we must say that TREE is in the distress zone and has some risk of bankruptcy.
- TREE has a Altman-Z score (0.75) which is comparable to the rest of the 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.
- 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.
- With a Debt to Equity ratio value of 2.93, TREE perfoms like the industry average, outperforming 48.15% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.93 | ||
| Debt/FCF | 6.48 | ||
| Altman-Z | 0.75 |
ROIC/WACC1.3
WACC8.09%
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 64.81% of its industry peers.
- 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 64.81% 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
- Looking at the last year, TREE shows a very strong growth in Revenue. 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
- Based on estimates for the next years, TREE will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.34% on average per year.
- 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.
- 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
- A Price/Earnings ratio of 7.82 indicates a rather cheap valuation of TREE.
- Based on the Price/Earnings ratio, TREE is valued a bit cheaper than 62.96% of the companies in the same industry.
- TREE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.99.
- With a Price/Forward Earnings ratio of 7.66, the valuation of TREE can be described as very cheap.
- Based on the Price/Forward Earnings ratio, TREE is valued a bit cheaper than 70.37% of the companies in the same industry.
- TREE is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.82 | ||
| Fwd PE | 7.66 |
4.2 Price Multiples
- 74.07% 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 ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.79 | ||
| EV/EBITDA | 8.54 |
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)0.15
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% |
38.95
+0.56 (+1.46%)
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 Change6.55%
Ins Owners2.26%
Ins Owner Change0.98%
Market Cap532.45M
Revenue(TTM)1.06B
Net Income(TTM)14.16M
Analysts83.33
Price Target82.96 (112.99%)
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 | 7.82 | ||
| Fwd PE | 7.66 | ||
| P/S | 0.5 | ||
| P/FCF | 8.79 | ||
| P/OCF | 7.31 | ||
| P/B | 4.02 | ||
| P/tB | N/A | ||
| EV/EBITDA | 8.54 |
EPS(TTM)4.98
EY12.79%
EPS(NY)5.08
Fwd EY13.05%
FCF(TTM)4.43
FCFY11.38%
OCF(TTM)5.33
OCFY13.67%
SpS77.48
BVpS9.69
TBVpS-21.11
PEG (NY)0.15
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 | 0.75 |
F-Score8
WACC8.09%
ROIC/WACC1.3
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 7.82 and the Price/Book (PB) ratio is 4.02.
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.