LENDINGTREE INC (TREE) Stock Fundamental Analysis

NASDAQ:TREE • US52603B1070

37.535 USD
-1.75 (-4.44%)
Last: Feb 19, 2026, 01:36 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall TREE gets a fundamental rating of 5 out of 10. We evaluated TREE against 54 industry peers in the Consumer Finance industry. TREE has an average financial health and profitability rating. TREE is valued quite cheap, while showing a decent growth score. This is a good combination!


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

  • Looking at the Return On Assets, with a value of 1.86%, TREE is in line with its industry, outperforming 46.30% of the companies in the same industry.
  • TREE has a Return On Equity (10.69%) which is in line with its industry peers.
  • TREE has a Return On Invested Capital of 10.51%. This is in the better half of the industry: TREE outperforms 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

  • With a Profit Margin value of 1.34%, TREE is not doing good in the industry: 77.78% of the companies in the same industry are doing better.
  • Looking at the Operating Margin, with a value of 7.27%, TREE is in line with its industry, outperforming 42.59% of the companies in the same industry.
  • TREE's Operating Margin has declined in the last couple of years.
  • Looking at the Gross Margin, with a value of 96.16%, TREE belongs to the top of the industry, outperforming 90.74% of the companies in the same industry.
  • 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.
  • The number of shares outstanding for TREE has been increased compared to 1 year ago.
  • TREE has more shares outstanding than it did 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 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 0.76, we must say that TREE is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.76, TREE is in line with its industry, outperforming 59.26% of the companies in the same 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.
  • TREE has a better Debt to FCF ratio (6.48) than 68.52% of its industry peers.
  • A Debt/Equity ratio of 2.93 is on the high side and indicates that TREE has dependencies on debt financing.
  • TREE has a Debt to Equity ratio (2.93) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 2.93
Debt/FCF 6.48
Altman-Z 0.76
ROIC/WACC1.3
WACC8.07%
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.
  • TREE has a better Current ratio (1.43) than 64.81% of its industry peers.
  • TREE has a Quick Ratio of 1.43. 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 Quick ratio (1.43) than 64.81% 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

  • The Earnings Per Share has grown by an impressive 114.66% over the past year.
  • TREE shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -10.75% yearly.
  • TREE shows a strong growth in Revenue. In the last year, the Revenue has grown by 37.01%.
  • TREE shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -4.04% yearly.
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

  • Based on estimates for the next years, TREE will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.34% on average per year.
  • 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 7.54, which indicates a rather cheap valuation of TREE.
  • TREE's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of TREE to the average of the S&P500 Index (27.27), we can say TREE is valued rather cheaply.
  • TREE is valuated cheaply with a Price/Forward Earnings ratio of 7.38.
  • Based on the Price/Forward Earnings ratio, TREE is valued a bit cheaper than the industry average as 70.37% of the companies are valued more expensively.
  • TREE is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.16, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.54
Fwd PE 7.38
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 somewhat cheap valuation: TREE is cheaper than 74.07% of the companies listed in the same industry.
  • TREE's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 8.47
EV/EBITDA 8.66
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

  • 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

LENDINGTREE INC

NASDAQ:TREE (2/19/2026, 1:36:09 PM)

37.535

-1.75 (-4.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-30
Earnings (Next)03-02
Inst Owners85.22%
Inst Owner Change6.55%
Ins Owners2.26%
Ins Owner Change0.98%
Market Cap513.10M
Revenue(TTM)1.06B
Net Income(TTM)14.16M
Analysts83.33
Price Target82.96 (121.02%)
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)12.96%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-11.59%
EPS NY rev (1m)0%
EPS NY rev (3m)3.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.55%
Valuation
Industry RankSector Rank
PE 7.54
Fwd PE 7.38
P/S 0.48
P/FCF 8.47
P/OCF 7.05
P/B 3.88
P/tB N/A
EV/EBITDA 8.66
EPS(TTM)4.98
EY13.27%
EPS(NY)5.08
Fwd EY13.54%
FCF(TTM)4.43
FCFY11.8%
OCF(TTM)5.33
OCFY14.19%
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 0.76
F-Score8
WACC8.07%
ROIC/WACC1.3
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 7.54 and the Price/Book (PB) ratio is 3.88.


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.