LENDINGTREE INC (TREE) Fundamental Analysis & Valuation

NASDAQ:TREE • US52603B1070

47.36 USD
+0.61 (+1.3%)
At close: Mar 4, 2026
47.5 USD
+0.14 (+0.3%)
After Hours: 3/4/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This TREE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Overall TREE gets a fundamental rating of 3 out of 10. We evaluated TREE against 54 industry peers in the Consumer Finance industry. TREE scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. TREE has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

3

1. TREE Profitability Analysis

1.1 Basic Checks

  • In the past year TREE was profitable.
  • In the past year TREE had a positive cash flow from operations.
  • TREE had negative earnings in 4 of the past 5 years.
  • TREE had a positive operating cash flow in 4 of the past 5 years.
TREE Yearly Net Income VS EBIT VS OCF VS FCFTREE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.86%, TREE is in line with its industry, outperforming 44.44% 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 RankSector 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
TREE Yearly ROA, ROE, ROICTREE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40 -60 -80

1.3 Margins

  • The Profit Margin of TREE (1.34%) is worse than 79.63% of its industry peers.
  • TREE has a Operating Margin (7.27%) which is in line with its industry peers.
  • In the last couple of years the Operating Margin of TREE has declined.
  • 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.
  • TREE's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
TREE Yearly Profit, Operating, Gross MarginsTREE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

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4

2. TREE Health Analysis

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.
  • There is no outstanding debt for TREE. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
TREE Yearly Shares OutstandingTREE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
TREE Yearly Total Debt VS Total AssetsTREE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

  • Based on the Altman-Z score of 0.86, we must say that TREE is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.86, TREE is in the better half of the industry, outperforming 61.11% 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.
  • TREE's Debt to FCF ratio of 6.48 is fine compared to the rest of the industry. TREE outperforms 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 RankSector Rank
Debt/Equity 2.93
Debt/FCF 6.48
Altman-Z 0.86
ROIC/WACC1.33
WACC7.89%
TREE Yearly LT Debt VS Equity VS FCFTREE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 1.43 indicates that TREE should not have too much problems paying its short term obligations.
  • With a decent Current ratio value of 1.43, TREE is doing good in the industry, outperforming 62.96% 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.
  • TREE has a better Quick ratio (1.43) than 62.96% of its industry peers.
Industry RankSector Rank
Current Ratio 1.43
Quick Ratio 1.43
TREE Yearly Current Assets VS Current LiabilitesTREE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. TREE Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.19% over the past year.
  • Measured over the past years, TREE shows a quite strong growth in Earnings Per Share. The EPS has been growing by 17.52% on average per year.
EPS 1Y (TTM)7.19%
EPS 3Y47.45%
EPS 5Y17.52%
EPS Q2Q%-133.62%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%22.25%

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 15.63% yearly.
  • TREE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.53% yearly.
EPS Next Y48.19%
EPS Next 2Y31.29%
EPS Next 3Y16.3%
EPS Next 5Y15.63%
Revenue Next Year7.32%
Revenue Next 2Y5.33%
Revenue Next 3Y4.99%
Revenue Next 5Y4.53%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
TREE Yearly Revenue VS EstimatesTREE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 500M 1B
TREE Yearly EPS VS EstimatesTREE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2 4 6 8

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5

4. TREE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.81 indicates a correct valuation of TREE.
  • Based on the Price/Earnings ratio, TREE is valued a bit more expensive than the industry average as 61.11% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 27.03, TREE is valued a bit cheaper.
  • TREE is valuated reasonably with a Price/Forward Earnings ratio of 9.32.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of TREE is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of TREE to the average of the S&P500 Index (25.11), we can say TREE is valued rather cheaply.
Industry RankSector Rank
PE 13.81
Fwd PE 9.32
TREE Price Earnings VS Forward Price EarningsTREE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of TREE indicates a somewhat cheap valuation: TREE is cheaper than 70.37% of the companies listed 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 RankSector Rank
P/FCF 10.69
EV/EBITDA 9.77
TREE Per share dataTREE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 60

4.3 Compensation for Growth

  • The 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 16.30% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.29
PEG (5Y)0.79
EPS Next 2Y31.29%
EPS Next 3Y16.3%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. TREE Dividend Analysis

5.1 Amount

  • TREE does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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TREE Fundamentals: All Metrics, Ratios and Statistics

LENDINGTREE INC

NASDAQ:TREE (3/4/2026, 8:00:01 PM)

After market: 47.5 +0.14 (+0.3%)

47.36

+0.61 (+1.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-02
Earnings (Next)04-29
Inst Owners85.22%
Inst Owner Change4.23%
Ins Owners2.26%
Ins Owner Change2.7%
Market Cap647.41M
Revenue(TTM)N/A
Net Income(TTM)14.16M
Analysts83.33
Price Target82.96 (75.17%)
Short Float %14.58%
Short Ratio3.68
Dividend
Industry RankSector 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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)3.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.55%
Valuation
Industry RankSector Rank
PE 13.81
Fwd PE 9.32
P/S 0.61
P/FCF 10.69
P/OCF 8.89
P/B 4.89
P/tB N/A
EV/EBITDA 9.77
EPS(TTM)3.43
EY7.24%
EPS(NY)5.08
Fwd EY10.73%
FCF(TTM)4.43
FCFY9.36%
OCF(TTM)5.33
OCFY11.25%
SpS77.48
BVpS9.69
TBVpS-21.11
PEG (NY)0.29
PEG (5Y)0.79
Graham Number27.34
Profitability
Industry RankSector 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 RankSector 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 0.86
F-Score8
WACC7.89%
ROIC/WACC1.33
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)7.19%
EPS 3Y47.45%
EPS 5Y17.52%
EPS Q2Q%-133.62%
EPS Next Y48.19%
EPS Next 2Y31.29%
EPS Next 3Y16.3%
EPS Next 5Y15.63%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%22.25%
Revenue Next Year7.32%
Revenue Next 2Y5.33%
Revenue Next 3Y4.99%
Revenue Next 5Y4.53%
EBIT growth 1Y149.01%
EBIT growth 3Y79.39%
EBIT growth 5Y-9.36%
EBIT Next Year270.38%
EBIT Next 3Y68.04%
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 3 / 10 to TREE.


Can you provide the valuation status for LENDINGTREE INC?

ChartMill assigns a valuation rating of 5 / 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 3 / 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 13.81 and the Price/Book (PB) ratio is 4.89.


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 48.19% in the next year.