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
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
- 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 46.30% of its industry peers.
- With a Return On Equity value of 10.69%, TREE perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
- With a decent Return On Invested Capital value of 10.51%, TREE is doing good in 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
- The Profit Margin of TREE (1.34%) is worse than 77.78% of its industry peers.
- 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.
- Looking at the Gross Margin, with a value of 96.16%, TREE belongs to the top of the industry, outperforming 90.74% of the companies in the same industry.
- 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
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so TREE is still 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 0.75, 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 in line with its industry peers.
- 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.
- Looking at the Debt to FCF ratio, with a value of 6.48, TREE is in the better half of the industry, outperforming 68.52% of the companies in the same industry.
- A Debt/Equity ratio of 2.93 is on the high side and indicates that TREE has dependencies on debt financing.
- TREE has a Debt to Equity ratio (2.93) which is comparable to the rest of the 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.
- With a decent Current ratio value of 1.43, TREE is doing good in the industry, outperforming 64.81% of the companies in the same industry.
- 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 64.81% 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.
- TREE shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.75% yearly.
- The Revenue has grown by 37.01% in the past year. This is a very strong growth!
- Measured over the past years, TREE shows a decrease in Revenue. The Revenue has been decreasing by -4.04% on average per year.
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.
- 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
- With a Price/Earnings ratio of 7.82, the valuation of TREE can be described as very cheap.
- Based on the Price/Earnings ratio, TREE is valued a bit cheaper than the industry average as 62.96% of the companies are valued more expensively.
- TREE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.99.
- The Price/Forward Earnings ratio is 7.66, which indicates a rather cheap valuation of TREE.
- TREE's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. TREE is 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
- 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 | 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.