LENDINGTREE INC (TREE) Fundamental Analysis & Valuation

NASDAQ:TREE • US52603B1070

Current stock price

42.23 USD
-0.47 (-1.1%)
At close:
42.23 USD
0 (0%)
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.
  • TREE had a positive operating cash flow in the past year.
  • 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 96.30% of its industry peers.
  • The Return On Equity of TREE (52.76%) is better than 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.
  • TREE had an Average Return On Invested Capital over the past 3 years of 5.76%. This is significantly below the industry average of 12.12%.
  • 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

  • TREE has a Profit Margin (13.54%) which is comparable to the rest of the industry.
  • The Operating Margin of TREE (7.35%) is comparable to the rest of the industry.
  • Looking at the Gross Margin, with a value of 96.19%, TREE belongs to the top 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 1 year ago, TREE has more shares outstanding
  • 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 1.18, we must say that TREE is in the distress zone and has some risk of bankruptcy.
  • TREE has a better Altman-Z score (1.18) than 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's Debt to FCF ratio of 6.45 is fine compared to the rest of the industry. TREE outperforms 70.37% of its industry peers.
  • TREE has a Debt/Equity ratio of 1.35. This is a high value indicating a heavy dependency on external financing.
  • TREE's Debt to Equity ratio of 1.35 is in line compared to the rest of the industry. TREE outperforms 59.26% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.35
Debt/FCF 6.45
Altman-Z 1.18
ROIC/WACC1.08
WACC8.33%
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.
  • Looking at the Current ratio, with a value of 1.67, TREE is in the better half of the industry, outperforming 62.96% of the companies in the same industry.
  • A Quick Ratio of 1.67 indicates that TREE should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.67, TREE is in the better half of the industry, outperforming 62.96% of the companies in the same industry.
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.
  • 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%.
  • The Revenue has been growing slightly by 4.19% on average over the past years.
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.
  • 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 Year20.25%
Revenue Next 2Y13.39%
Revenue Next 3Y11.91%
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.
  • 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 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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Find the best growth stocksShow best growing peers

6

4. TREE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 12.31 indicates a correct valuation of TREE.
  • TREE's Price/Earnings ratio is a bit more expensive when compared to the industry. TREE is more expensive than 61.11% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.50. TREE is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 8.31, the valuation of TREE can be described as reasonable.
  • TREE's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of TREE to the average of the S&P500 Index (22.67), we can say TREE is valued rather cheaply.
Industry RankSector Rank
PE 12.31
Fwd PE 8.31
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 75.93% 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 9.65
EV/EBITDA 8.63
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 16.30% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.26
PEG (5Y)0.7
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%

More info and screens

Find the best dividend stocksShow peers with best dividend

TREE Fundamentals: All Metrics, Ratios and Statistics

LENDINGTREE INC

NASDAQ:TREE (3/24/2026, 8:04:33 PM)

After market: 42.23 0 (0%)

42.23

-0.47 (-1.1%)

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 Cap585.31M
Revenue(TTM)1.12B
Net Income(TTM)151.31M
Analysts83.33
Price Target82.96 (96.45%)
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)12.05%
Revenue NY rev (3m)12.05%
Valuation
Industry RankSector Rank
PE 12.31
Fwd PE 8.31
P/S 0.52
P/FCF 9.65
P/OCF 8.01
P/B 2.04
P/tB N/A
EV/EBITDA 8.63
EPS(TTM)3.43
EY8.12%
EPS(NY)5.08
Fwd EY12.04%
FCF(TTM)4.38
FCFY10.37%
OCF(TTM)5.27
OCFY12.49%
SpS80.62
BVpS20.69
TBVpS-9.58
PEG (NY)0.26
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 1.18
F-Score7
WACC8.33%
ROIC/WACC1.08
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 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 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 12.31 and the Price/Book (PB) ratio is 2.04.


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.