LENDINGTREE INC (TREE) Fundamental Analysis & Valuation

NASDAQ:TREE • US52603B1070

Current stock price

38.81 USD
-10.78 (-21.74%)
At close:
39.4783 USD
+0.67 (+1.72%)
After Hours:

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

  • TREE had positive earnings in the past year.
  • 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

  • TREE's Return On Assets of 17.68% is amongst the best of the industry. TREE outperforms 98.15% of its industry peers.
  • Looking at the Return On Equity, with a value of 52.76%, TREE belongs to the top of the industry, outperforming 98.15% of the companies in the same industry.
  • TREE's Return On Invested Capital of 9.03% is fine compared to the rest 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 9.54%.
  • 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

  • The Profit Margin of TREE (13.54%) is comparable to the rest of the industry.
  • Looking at the Operating Margin, with a value of 7.35%, TREE is in line with its industry, outperforming 40.74% of the companies in the same industry.
  • With an excellent Gross Margin value of 96.19%, TREE belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
  • TREE's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 7.35%
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.
  • TREE has more shares outstanding than it did 1 year ago.
  • TREE has more shares outstanding than it did 5 years ago.
  • 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 1.29, we must say that TREE is in the distress zone and has some risk of bankruptcy.
  • With a decent Altman-Z score value of 1.29, TREE is doing good in the industry, outperforming 70.37% of the companies in the same industry.
  • 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.
  • The Debt to FCF ratio of TREE (6.45) is better than 66.67% 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.
  • TREE's Debt to Equity ratio of 1.35 is in line compared to the rest of the industry. TREE outperforms 57.41% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.35
Debt/FCF 6.45
Altman-Z 1.29
ROIC/WACC1.04
WACC8.7%
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 1.67. 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 Current ratio (1.67) than 61.11% of its industry peers.
  • TREE has a Quick Ratio of 1.67. 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 Quick ratio of 1.67. This is in the better half of the industry: TREE outperforms 61.11% 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

6

3. TREE Growth Analysis

3.1 Past

  • TREE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.48%, which is quite good.
  • 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)17.48%
EPS 3Y47.45%
EPS 5Y17.52%
EPS Q2Q%67.68%
Revenue 1Y (TTM)24.12%
Revenue growth 3Y4.29%
Revenue growth 5Y4.19%
Sales Q2Q%36.53%

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 quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.81% yearly.
EPS Next Y65.04%
EPS Next 2Y43.17%
EPS Next 3Y30.13%
EPS Next 5Y15.63%
Revenue Next Year20.25%
Revenue Next 2Y13.47%
Revenue Next 3Y11.71%
Revenue Next 5Y9.81%

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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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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8

4. TREE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.47, the valuation of TREE can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of TREE is on the same level as its industry peers.
  • When comparing the Price/Earnings ratio of TREE to the average of the S&P500 Index (26.64), we can say TREE is valued rather cheaply.
  • A Price/Forward Earnings ratio of 5.52 indicates a rather cheap valuation of TREE.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of TREE indicates a somewhat cheap valuation: TREE is cheaper than 74.07% of the companies listed in the same industry.
  • TREE is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.36, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.47
Fwd PE 5.52
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 rather cheap valuation: TREE is cheaper than 81.48% of the companies listed in the same industry.
  • TREE's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 8.86
EV/EBITDA 9.62
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 30.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.15
PEG (5Y)0.54
EPS Next 2Y43.17%
EPS Next 3Y30.13%

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

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TREE Fundamentals: All Metrics, Ratios and Statistics

LENDINGTREE INC

NASDAQ:TREE (5/1/2026, 8:00:01 PM)

After market: 39.4783 +0.67 (+1.72%)

38.81

-10.78 (-21.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Industry Strength54.66
Industry Growth96.89
Earnings (Last)04-30
Earnings (Next)07-27
Inst Owners85.59%
Inst Owner Change-0.2%
Ins Owners4.58%
Ins Owner Change10.73%
Market Cap537.91M
Revenue(TTM)1.12B
Net Income(TTM)151.31M
Analysts83.33
Price Target69.56 (79.23%)
Short Float %9.11%
Short Ratio2.95
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)0.89%
EPS NQ rev (3m)47.98%
EPS NY rev (1m)11.37%
EPS NY rev (3m)11.37%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)15.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)12.05%
Valuation
Industry RankSector Rank
PE 9.47
Fwd PE 5.52
P/S 0.48
P/FCF 8.86
P/OCF 7.36
P/B 1.88
P/tB N/A
EV/EBITDA 9.62
EPS(TTM)4.1
EY10.56%
EPS(NY)7.03
Fwd EY18.11%
FCF(TTM)4.38
FCFY11.28%
OCF(TTM)5.27
OCFY13.59%
SpS80.62
BVpS20.69
TBVpS-9.58
PEG (NY)0.15
PEG (5Y)0.54
Graham Number43.6907 (12.58%)
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 1.29
F-Score7
WACC8.7%
ROIC/WACC1.04
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)17.48%
EPS 3Y47.45%
EPS 5Y17.52%
EPS Q2Q%67.68%
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%36.53%
Revenue Next Year20.25%
Revenue Next 2Y13.47%
Revenue Next 3Y11.71%
Revenue Next 5Y9.81%
EBIT growth 1Y67.8%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year56.35%
EBIT Next 3Y22.77%
EBIT Next 5Y16.37%
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 8 / 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 9.47 and the Price/Book (PB) ratio is 1.88.


Is the dividend of LENDINGTREE INC sustainable?

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