LENDINGTREE INC (TREE) Fundamental Analysis & Valuation

NASDAQ:TREE • US52603B1070

Current stock price

41.31 USD
-0.54 (-1.29%)
At close:
41.23 USD
-0.08 (-0.19%)
Pre-Market:

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

  • With an excellent Return On Assets value of 17.68%, TREE belongs to the best of the industry, outperforming 96.30% of the companies in the same industry.
  • TREE's Return On Equity of 52.76% is amongst the best of the industry. TREE outperforms 98.15% of its industry peers.
  • With a decent Return On Invested Capital value of 9.03%, TREE is doing good in the industry, outperforming 70.37% of the companies in the same industry.
  • TREE had an Average Return On Invested Capital over the past 3 years of 5.76%. This is significantly below the industry average of 12.37%.
  • The 3 year average ROIC (5.76%) for TREE is below the current ROIC(9.03%), indicating increased profibility in the last year.
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

  • Looking at the Profit Margin, with a value of 13.54%, TREE is in line with its industry, outperforming 57.41% of the companies in the same industry.
  • TREE's Operating Margin of 7.35% is in line compared to the rest of the industry. TREE outperforms 40.74% of its industry peers.
  • The Gross Margin of TREE (96.19%) is better than 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

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so TREE is still creating some value.
  • The number of shares outstanding for TREE has been increased compared to 1 year ago.
  • Compared to 5 years ago, TREE has more shares outstanding
  • Compared to 1 year ago, TREE has an improved debt to assets ratio.
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.
  • TREE has a Altman-Z score of 1.17. This is in the better half of the industry: TREE outperforms 70.37% of its industry peers.
  • The Debt to FCF ratio of TREE is 6.45, which is on the high side as it means it would take TREE, 6.45 years of fcf income to pay off all of its debts.
  • TREE has a better Debt to FCF ratio (6.45) than 68.52% of its industry peers.
  • A Debt/Equity ratio of 1.35 is on the high side and indicates that TREE has dependencies on debt financing.
  • The Debt to Equity ratio of TREE (1.35) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.35
Debt/FCF 6.45
Altman-Z 1.17
ROIC/WACC1.29
WACC7%
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

  • TREE has a Current Ratio of 1.75. 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 Current ratio, with a value of 1.75, TREE is in the better half of the industry, outperforming 64.81% of the companies in the same industry.
  • TREE has a Quick Ratio of 1.75. 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 Quick ratio value of 1.75, TREE is doing good in the industry, outperforming 64.81% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.75
Quick Ratio 1.75
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

  • TREE shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.19%.
  • 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.
  • TREE shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.12%.
  • Measured over the past years, TREE shows a small growth in Revenue. The Revenue has been growing by 4.19% on average per year.
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

  • 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.
  • The Revenue is expected to grow by 4.53% on average over the next years.
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

  • 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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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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6

4. TREE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.04 indicates a correct valuation of TREE.
  • The rest of the industry has a similar Price/Earnings ratio as TREE.
  • TREE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.73.
  • TREE is valuated reasonably with a Price/Forward Earnings ratio of 8.13.
  • The rest of the industry has a similar Price/Forward Earnings ratio as TREE.
  • TREE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.72.
Industry RankSector Rank
PE 12.04
Fwd PE 8.13
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

  • 70.37% 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 RankSector Rank
P/FCF 9.31
EV/EBITDA 8.44
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

  • The 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 16.30% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.25
PEG (5Y)0.69
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

  • No dividends for TREE!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

TREE Fundamentals: All Metrics, Ratios and Statistics

LENDINGTREE INC

NASDAQ:TREE (3/19/2026, 8:00:01 PM)

Premarket: 41.23 -0.08 (-0.19%)

41.31

-0.54 (-1.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-02
Earnings (Next)04-29
Inst Owners87.08%
Inst Owner Change4.27%
Ins Owners16.13%
Ins Owner Change13.14%
Market Cap564.71M
Revenue(TTM)1.12B
Net Income(TTM)151.31M
Analysts83.33
Price Target82.96 (100.82%)
Short Float %14.5%
Short Ratio2.98
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)0%
PT rev (3m)0%
EPS NQ rev (1m)46.67%
EPS NQ rev (3m)46.67%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)12.79%
Revenue NQ rev (3m)12.79%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 12.04
Fwd PE 8.13
P/S 0.51
P/FCF 9.31
P/OCF 7.72
P/B 1.97
P/tB N/A
EV/EBITDA 8.44
EPS(TTM)3.43
EY8.3%
EPS(NY)5.08
Fwd EY12.3%
FCF(TTM)4.44
FCFY10.75%
OCF(TTM)5.35
OCFY12.95%
SpS81.74
BVpS20.98
TBVpS-9.72
PEG (NY)0.25
PEG (5Y)0.69
Graham Number40.24
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 250
Cash Conversion 70.46%
Profit Quality 40.1%
Current Ratio 1.75
Quick Ratio 1.75
Altman-Z 1.17
F-Score7
WACC7%
ROIC/WACC1.29
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 Y48.19%
EPS Next 2Y31.29%
EPS Next 3Y16.3%
EPS Next 5Y15.63%
Revenue 1Y (TTM)24.12%
Revenue growth 3Y4.29%
Revenue growth 5Y4.19%
Sales Q2Q%22.25%
Revenue Next Year7.32%
Revenue Next 2Y5.33%
Revenue Next 3Y4.99%
Revenue Next 5Y4.53%
EBIT growth 1Y67.8%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year47.57%
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 6 / 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 6 / 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 12.04 and the Price/Book (PB) ratio is 1.97.


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.