LENDINGTREE INC (TREE) Fundamental Analysis & Valuation

NASDAQ:TREE • US52603B1070

Current stock price

42.085 USD
+0.7 (+1.7%)
Last:

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

6

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.
  • The reported net income has been mixed in the past 5 years: TREE reported negative net income in multiple years.
  • TREE had a positive operating cash flow in each 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 2025 0 100M -100M

1.2 Ratios

  • The Return On Assets of TREE (17.68%) is better than 98.15% of its industry peers.
  • TREE has a Return On Equity of 52.76%. This is amongst the best in the industry. TREE outperforms 98.15% of its industry peers.
  • TREE has a Return On Invested Capital of 9.03%. This is in the better half of the industry: TREE outperforms 70.37% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for TREE is below the industry average of 9.60%.
  • The last Return On Invested Capital (9.03%) for TREE is above the 3 year average (5.76%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 17.68%
ROE 52.76%
ROIC 9.03%
ROA(3y)-1%
ROA(5y)-2.67%
ROE(3y)-28.06%
ROE(5y)-31.83%
ROIC(3y)5.76%
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 2025 0 50 -50

1.3 Margins

  • With a Profit Margin value of 13.54%, TREE perfoms like the industry average, outperforming 57.41% of the companies in the same industry.
  • TREE has a Operating Margin (7.35%) which is comparable to the rest of the industry.
  • TREE's Gross Margin of 96.19% is amongst the best of the industry. TREE outperforms 88.89% of its industry peers.
  • TREE's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 7.35%
PM (TTM) 13.54%
GM 96.19%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.72%
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 2025 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.
  • Compared to 1 year ago, TREE has more shares outstanding
  • The number of shares outstanding for TREE has been increased compared to 5 years ago.
  • The debt/assets ratio for TREE has been reduced compared to a year ago.
TREE Yearly Shares OutstandingTREE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • Based on the Altman-Z score of 1.17, we must say that TREE is in the distress zone and has some risk of bankruptcy.
  • With a decent Altman-Z score value of 1.17, TREE is doing good in the industry, outperforming 66.67% of the companies in the same industry.
  • TREE has a debt to FCF ratio of 6.45. This is a slightly negative value and a sign of low solvency as TREE would need 6.45 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 6.45, TREE is doing good in the industry, outperforming 66.67% of the companies in the same industry.
  • A Debt/Equity ratio of 1.35 is on the high side and indicates that TREE has dependencies on debt financing.
  • TREE has a Debt to Equity ratio (1.35) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.35
Debt/FCF 6.45
Altman-Z 1.17
ROIC/WACC1.06
WACC8.48%
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 2025 0 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 1.67 indicates that TREE should not have too much problems paying its short term obligations.
  • TREE has a better Current ratio (1.67) than 62.96% of its industry peers.
  • A Quick Ratio of 1.67 indicates that TREE should not have too much problems paying its short term obligations.
  • The Quick ratio of TREE (1.67) is better than 62.96% of its industry peers.
Industry RankSector Rank
Current Ratio 1.67
Quick Ratio 1.67
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 2025 100M 200M 300M 400M

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

5

3. TREE Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.19% over the past year.
  • TREE shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 17.52% yearly.
  • Looking at the last year, TREE shows a very strong growth in Revenue. The Revenue has grown by 24.12%.
  • TREE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.19% yearly.
EPS 1Y (TTM)7.19%
EPS 3Y47.45%
EPS 5Y17.52%
EPS Q2Q%-133.62%
Revenue 1Y (TTM)24.12%
Revenue growth 3Y4.29%
Revenue growth 5Y4.19%
Sales Q2Q%22.25%

3.2 Future

  • The Earnings Per Share is expected to grow by 15.63% on average over the next years. This is quite good.
  • Based on estimates for the next years, TREE will show a small growth in Revenue. The Revenue will grow by 4.53% on average per year.
EPS Next Y65.04%
EPS Next 2Y43.17%
EPS Next 3Y30.13%
EPS Next 5Y15.63%
Revenue Next Year20.25%
Revenue Next 2Y13.39%
Revenue Next 3Y11.91%
Revenue Next 5Y4.53%

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 stable.
  • The Revenue 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 1.5B
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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7

4. TREE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.27, TREE is valued correctly.
  • 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.
  • TREE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.86.
  • Based on the Price/Forward Earnings ratio of 7.43, the valuation of TREE can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, TREE is valued a bit cheaper than the industry average as 72.22% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of TREE to the average of the S&P500 Index (37.39), we can say TREE is valued rather cheaply.
Industry RankSector Rank
PE 12.27
Fwd PE 7.43
TREE Price Earnings VS Forward Price EarningsTREE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • TREE's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. TREE is cheaper than 77.78% of the companies in the same industry.
  • TREE's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 9.61
EV/EBITDA 8.52
TREE Per share dataTREE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60 80

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 has a very decent profitability rating, which may justify a higher PE ratio.
  • TREE's earnings are expected to grow with 30.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.19
PEG (5Y)0.7
EPS Next 2Y43.17%
EPS Next 3Y30.13%

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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 (4/13/2026, 11:09:48 AM)

42.085

+0.7 (+1.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-02
Earnings (Next)04-30
Inst Owners85.59%
Inst Owner Change0.11%
Ins Owners4.58%
Ins Owner Change10.73%
Market Cap583.30M
Revenue(TTM)1.12B
Net Income(TTM)151.31M
Analysts83.33
Price Target72.08 (71.27%)
Short Float %8.77%
Short Ratio2.24
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)1
Avg EPS beat(2)-50.03%
Min EPS beat(2)-143.95%
Max EPS beat(2)43.89%
EPS beat(4)3
Avg EPS beat(4)-10.34%
Min EPS beat(4)-143.95%
Max EPS beat(4)48.67%
EPS beat(8)7
Avg EPS beat(8)306.82%
EPS beat(12)11
Avg EPS beat(12)306.52%
EPS beat(16)15
Avg EPS beat(16)281.24%
Revenue beat(2)2
Avg Revenue beat(2)8.89%
Min Revenue beat(2)8.38%
Max Revenue beat(2)9.4%
Revenue beat(4)2
Avg Revenue beat(4)3.32%
Min Revenue beat(4)-4.05%
Max Revenue beat(4)9.4%
Revenue beat(8)6
Avg Revenue beat(8)4.63%
Revenue beat(12)6
Avg Revenue beat(12)1.34%
Revenue beat(16)6
Avg Revenue beat(16)0.02%
PT rev (1m)-13.11%
PT rev (3m)-13.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)46.67%
EPS NY rev (1m)11.37%
EPS NY rev (3m)11.37%
Revenue NQ rev (1m)1.97%
Revenue NQ rev (3m)15.01%
Revenue NY rev (1m)12.05%
Revenue NY rev (3m)12.05%
Valuation
Industry RankSector Rank
PE 12.27
Fwd PE 7.43
P/S 0.52
P/FCF 9.61
P/OCF 7.98
P/B 2.03
P/tB N/A
EV/EBITDA 8.52
EPS(TTM)3.43
EY8.15%
EPS(NY)5.66
Fwd EY13.45%
FCF(TTM)4.38
FCFY10.4%
OCF(TTM)5.27
OCFY12.53%
SpS80.62
BVpS20.69
TBVpS-9.58
PEG (NY)0.19
PEG (5Y)0.7
Graham Number39.96
Profitability
Industry RankSector Rank
ROA 17.68%
ROE 52.76%
ROCE 11.43%
ROIC 9.03%
ROICexc 10.18%
ROICexgc 29.82%
OM 7.35%
PM (TTM) 13.54%
GM 96.19%
FCFM 5.43%
ROA(3y)-1%
ROA(5y)-2.67%
ROE(3y)-28.06%
ROE(5y)-31.83%
ROIC(3y)5.76%
ROIC(5y)N/A
ROICexc(3y)6.82%
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)7.29%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.72%
GM growth 5Y0.46%
F-Score7
Asset Turnover1.31
Health
Industry RankSector Rank
Debt/Equity 1.35
Debt/FCF 6.45
Debt/EBITDA 3.74
Cap/Depr 57.38%
Cap/Sales 1.11%
Interest Coverage 2.21
Cash Conversion 70.46%
Profit Quality 40.1%
Current Ratio 1.67
Quick Ratio 1.67
Altman-Z 1.17
F-Score7
WACC8.48%
ROIC/WACC1.06
Cap/Depr(3y)50.19%
Cap/Depr(5y)46.72%
Cap/Sales(3y)1.41%
Cap/Sales(5y)1.71%
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 Y65.04%
EPS Next 2Y43.17%
EPS Next 3Y30.13%
EPS Next 5Y15.63%
Revenue 1Y (TTM)24.12%
Revenue growth 3Y4.29%
Revenue growth 5Y4.19%
Sales Q2Q%22.25%
Revenue Next Year20.25%
Revenue Next 2Y13.39%
Revenue Next 3Y11.91%
Revenue Next 5Y4.53%
EBIT growth 1Y67.8%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year56.35%
EBIT Next 3Y22.77%
EBIT Next 5Y13.46%
FCF growth 1Y18.89%
FCF growth 3Y24.39%
FCF growth 5YN/A
OCF growth 1Y17.42%
OCF growth 3Y19.38%
OCF growth 5Y13.62%

LENDINGTREE INC / TREE Fundamental Analysis 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.


What is the profitability of TREE stock?

LENDINGTREE INC (TREE) has a profitability rating of 6 / 10.


What are the PE and PB ratios of LENDINGTREE INC (TREE) stock?

The Price/Earnings (PE) ratio for LENDINGTREE INC (TREE) is 12.27 and the Price/Book (PB) ratio is 2.03.


Is the dividend of LENDINGTREE INC sustainable?

The dividend rating of LENDINGTREE INC (TREE) is 0 / 10 and the dividend payout ratio is 0%.