LENDINGTREE INC (TREE) Stock Fundamental Analysis
NASDAQ:TREE • US52603B1070
38.6 USD
-1.15 (-2.89%)
At close: Feb 17, 2026
39.31 USD
+0.71 (+1.84%)
Pre-Market: 2/18/2026, 9:05:57 AM
Taking everything into account, TREE scores 5 out of 10 in our fundamental rating. TREE was compared to 54 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 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
- With a Return On Assets value of 1.86%, TREE perfoms like the industry average, outperforming 46.30% of the companies in the same industry.
- The Return On Equity of TREE (10.69%) is comparable to the rest of the industry.
- 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
- With a Profit Margin value of 1.34%, TREE is not doing good in the industry: 77.78% of the companies in the same industry are doing better.
- TREE has a Operating Margin of 7.27%. This is comparable to the rest of the industry: TREE outperforms 42.59% of its industry peers.
- In the last couple of years the Operating Margin of TREE has declined.
- TREE has a Gross Margin of 96.16%. This is amongst the best in the industry. TREE outperforms 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
- TREE has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it 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.
- TREE has a better debt/assets ratio than last year.
2.2 Solvency
- TREE has an Altman-Z score of 0.75. This is a bad value and indicates that TREE is not financially healthy and even has some risk of bankruptcy.
- With a Altman-Z score value of 0.75, TREE perfoms like the industry average, outperforming 57.41% 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 has a better Debt to FCF ratio (6.48) than 68.52% of its industry peers.
- 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 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 | 0.75 |
ROIC/WACC1.3
WACC8.07%
2.3 Liquidity
- A Current Ratio of 1.43 indicates that TREE should not have too much problems paying its short term obligations.
- The Current ratio of TREE (1.43) is better than 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.
- TREE's Quick ratio of 1.43 is fine compared to the rest of the industry. TREE outperforms 64.81% of its industry peers.
| 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%.
- 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
- 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
- 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 7.75, 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 61.11% of the companies are valued more expensively.
- The average S&P500 Price/Earnings ratio is at 27.16. TREE is valued rather cheaply when compared to this.
- With a Price/Forward Earnings ratio of 7.59, 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's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.10.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.75 | ||
| Fwd PE | 7.59 |
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 is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.71 | ||
| EV/EBITDA | 8.57 |
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)0.14
PEG (5Y)N/A
EPS Next 2Y26.03%
EPS Next 3Y22.71%
5. Dividend
5.1 Amount
- TREE does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
38.6
-1.15 (-2.89%)
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 Cap527.66M
Revenue(TTM)1.06B
Net Income(TTM)14.16M
Analysts83.33
Price Target82.96 (114.92%)
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 | 7.75 | ||
| Fwd PE | 7.59 | ||
| P/S | 0.5 | ||
| P/FCF | 8.71 | ||
| P/OCF | 7.25 | ||
| P/B | 3.99 | ||
| P/tB | N/A | ||
| EV/EBITDA | 8.57 |
EPS(TTM)4.98
EY12.9%
EPS(NY)5.08
Fwd EY13.17%
FCF(TTM)4.43
FCFY11.48%
OCF(TTM)5.33
OCFY13.8%
SpS77.48
BVpS9.69
TBVpS-21.11
PEG (NY)0.14
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
WACC8.07%
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 7.75 and the Price/Book (PB) ratio is 3.99.
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.