LENDINGTREE INC (TREE) Stock Fundamental Analysis

NASDAQ:TREE • US52603B1070

37.74 USD
+0.37 (+0.99%)
At close: Mar 2, 2026
41.73 USD
+3.99 (+10.57%)
After Hours: 3/2/2026, 7:52:43 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

TREE gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on TREE.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • TREE had positive earnings in the past year.
  • In the past year TREE had a positive cash flow from operations.
  • TREE had negative earnings in 4 of the past 5 years.
  • Each year in the past 5 years TREE had a positive operating cash flow.
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

  • TREE has a Return On Assets (1.86%) which is comparable to the rest of the industry.
  • TREE's Return On Equity of 10.69% is in line compared to the rest of the industry. TREE outperforms 40.74% of its industry peers.
  • The Return On Invested Capital of TREE (10.51%) is better than 79.63% of its industry peers.
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

  • TREE's Profit Margin of 1.34% is on the low side compared to the rest of the industry. TREE is outperformed by 79.63% of its industry peers.
  • TREE has a Operating Margin of 7.27%. This is comparable to the rest of the industry: TREE outperforms 40.74% of its industry peers.
  • TREE's Operating Margin has declined in the last couple of years.
  • The Gross Margin of TREE (96.16%) is better than 90.74% of its industry peers.
  • In the last couple of years the Gross Margin of TREE has remained more or less at the same level.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

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.
  • 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.
  • TREE has a better debt/assets ratio than last year.
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 0.73, we must say that TREE is in the distress zone and has some risk of bankruptcy.
  • TREE has a Altman-Z score (0.73) which is comparable to the rest of the 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.
  • With a decent Debt to FCF ratio value of 6.48, TREE is doing good in the industry, outperforming 68.52% of the companies in the same industry.
  • TREE has a Debt/Equity ratio of 2.93. This is a high value indicating a heavy dependency on external financing.
  • TREE has a Debt to Equity ratio (2.93) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 2.93
Debt/FCF 6.48
Altman-Z 0.73
ROIC/WACC1.33
WACC7.92%
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.
  • 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 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

6

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.
  • TREE shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.75% yearly.
  • Looking at the last year, TREE shows a very strong growth in Revenue. The Revenue has grown by 37.01%.
  • Measured over the past years, TREE shows a decrease in Revenue. The Revenue has been decreasing by -4.04% on average per year.
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

  • TREE is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.34% yearly.
  • The Revenue is expected to grow by 8.32% on average over the next years. This is quite good.
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.
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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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 7.58, which indicates a rather cheap valuation of TREE.
  • Compared to the rest of the industry, the Price/Earnings ratio of TREE is on the same level as its industry peers.
  • TREE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.13.
  • TREE is valuated cheaply with a Price/Forward Earnings ratio of 7.42.
  • Based on the Price/Forward Earnings ratio, TREE is valued a bit cheaper than 68.52% 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 28.11.
Industry RankSector Rank
PE 7.58
Fwd PE 7.42
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

  • Based on the Enterprise Value to EBITDA ratio, TREE is valued a bit cheaper than 70.37% of the companies in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as TREE.
Industry RankSector Rank
P/FCF 8.52
EV/EBITDA 8.4
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

  • TREE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as TREE's earnings are expected to grow with 22.71% in the coming years.
PEG (NY)0.14
PEG (5Y)N/A
EPS Next 2Y26.03%
EPS Next 3Y22.71%

More info and screens

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

0

5. Dividend

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

LENDINGTREE INC

NASDAQ:TREE (3/2/2026, 7:52:43 PM)

After market: 41.73 +3.99 (+10.57%)

37.74

+0.37 (+0.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-30
Earnings (Next)03-02
Inst Owners85.22%
Inst Owner Change4.23%
Ins Owners2.26%
Ins Owner Change2.7%
Market Cap515.91M
Revenue(TTM)1.06B
Net Income(TTM)14.16M
Analysts83.33
Price Target82.96 (119.82%)
Short Float %8.32%
Short Ratio3.18
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 7.58
Fwd PE 7.42
P/S 0.49
P/FCF 8.52
P/OCF 7.09
P/B 3.9
P/tB N/A
EV/EBITDA 8.4
EPS(TTM)4.98
EY13.2%
EPS(NY)5.08
Fwd EY13.47%
FCF(TTM)4.43
FCFY11.74%
OCF(TTM)5.33
OCFY14.11%
SpS77.48
BVpS9.69
TBVpS-21.11
PEG (NY)0.14
PEG (5Y)N/A
Graham Number32.94
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 0.73
F-Score8
WACC7.92%
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)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 7.58 and the Price/Book (PB) ratio is 3.9.


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.