Logo image of TREE

LENDINGTREE INC (TREE) Stock Fundamental Analysis

USA - NASDAQ:TREE - US52603B1070 - Common Stock

64 USD
-0.22 (-0.34%)
Last: 10/31/2025, 8:16:53 PM
63 USD
-1 (-1.56%)
After Hours: 10/31/2025, 8:16:53 PM
Fundamental Rating

4

TREE gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 55 industry peers in the Consumer Finance industry. TREE has a bad profitability rating. Also its financial health evaluation is rather negative. TREE has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

In the past year TREE was profitable.
TREE had a positive operating cash flow in the past year.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M

1.2 Ratios

TREE has a worse Return On Assets (-6.46%) than 89.09% of its industry peers.
With a Return On Equity value of -45.71%, TREE is not doing good in the industry: 87.27% of the companies in the same industry are doing better.
The Return On Invested Capital of TREE (8.53%) is better than 72.73% of its industry peers.
Industry RankSector Rank
ROA -6.46%
ROE -45.71%
ROIC 8.53%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40 -60 -80

1.3 Margins

TREE's Operating Margin of 6.13% is in line compared to the rest of the industry. TREE outperforms 50.91% of its industry peers.
TREE's Operating Margin has declined in the last couple of years.
With an excellent Gross Margin value of 96.14%, TREE belongs to the best of the industry, outperforming 90.91% 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 6.13%
PM (TTM) N/A
GM 96.14%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

More info and screens

3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so TREE is destroying value.
TREE has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, TREE has more shares outstanding
TREE has a better debt/assets ratio than last year.
TREE Yearly Shares OutstandingTREE Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

Based on the Altman-Z score of 0.79, we must say that TREE is in the distress zone and has some risk of bankruptcy.
TREE has a Altman-Z score (0.79) which is comparable to the rest of the industry.
TREE has a debt to FCF ratio of 6.35. This is a slightly negative value and a sign of low solvency as TREE would need 6.35 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.35, TREE is in line with its industry, outperforming 60.00% of the companies in the same industry.
A Debt/Equity ratio of 3.26 is on the high side and indicates that TREE has dependencies on debt financing.
TREE's Debt to Equity ratio of 3.26 is in line compared to the rest of the industry. TREE outperforms 41.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.26
Debt/FCF 6.35
Altman-Z 0.79
ROIC/WACC0.8
WACC10.69%
TREE Yearly LT Debt VS Equity VS FCFTREE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

2.3 Liquidity

TREE has a Current Ratio of 1.22. 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 1.22, TREE is in line with its industry, outperforming 56.36% of the companies in the same industry.
TREE has a Quick Ratio of 1.22. 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 (1.22) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 1.22
Quick Ratio 1.22
TREE Yearly Current Assets VS Current LiabilitesTREE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

More info and screens

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.
Measured over the past years, TREE shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -10.75% on average per year.
TREE shows a strong growth in Revenue. In the last year, the Revenue has grown by 33.86%.
The Revenue has been decreasing by -4.04% on average over the past years.
EPS 1Y (TTM)114.66%
EPS 3Y27.33%
EPS 5Y-10.75%
EPS Q2Q%112.5%
Revenue 1Y (TTM)33.86%
Revenue growth 3Y-6.42%
Revenue growth 5Y-4.04%
Sales Q2Q%18.03%

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 16.00% on average per year.
Based on estimates for the next years, TREE will show a quite strong growth in Revenue. The Revenue will grow by 8.68% on average per year.
EPS Next Y37.43%
EPS Next 2Y23.61%
EPS Next 3Y26.56%
EPS Next 5Y16%
Revenue Next Year18.12%
Revenue Next 2Y12.73%
Revenue Next 3Y9.6%
Revenue Next 5Y8.68%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better 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 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 500M 1B 1.5B
TREE Yearly EPS VS EstimatesTREE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 0 2 4 6 8

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.85, the valuation of TREE can be described as correct.
TREE's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.11. TREE is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 13.09 indicates a correct valuation of TREE.
Compared to the rest of the industry, the Price/Forward Earnings ratio of TREE is on the same level as its industry peers.
When comparing the Price/Forward Earnings ratio of TREE to the average of the S&P500 Index (22.55), we can say TREE is valued slightly cheaper.
Industry RankSector Rank
PE 12.85
Fwd PE 13.09
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 61.82% of the companies in the same industry.
TREE's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.27
EV/EBITDA 14.25
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.
TREE's earnings are expected to grow with 26.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.34
PEG (5Y)N/A
EPS Next 2Y23.61%
EPS Next 3Y26.56%

More info and screens

0

5. Dividend

5.1 Amount

No dividends for TREE!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

LENDINGTREE INC

NASDAQ:TREE (10/31/2025, 8:16:53 PM)

After market: 63 -1 (-1.56%)

64

-0.22 (-0.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-30 2025-10-30/bmo
Earnings (Next)03-03 2026-03-03/amc
Inst Owners81.46%
Inst Owner Change-2.4%
Ins Owners18.47%
Ins Owner Change10.68%
Market Cap871.68M
Revenue(TTM)900.22M
Net Income(TTM)-53985000
Analysts83.33
Price Target73.44 (14.75%)
Short Float %6.14%
Short Ratio2.82
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)29.36%
Min EPS beat(2)10.05%
Max EPS beat(2)48.67%
EPS beat(4)4
Avg EPS beat(4)612.96%
Min EPS beat(4)10.05%
Max EPS beat(4)2374.51%
EPS beat(8)8
Avg EPS beat(8)395.95%
EPS beat(12)12
Avg EPS beat(12)337.66%
EPS beat(16)16
Avg EPS beat(16)292.65%
Revenue beat(2)0
Avg Revenue beat(2)-2.25%
Min Revenue beat(2)-4.05%
Max Revenue beat(2)-0.44%
Revenue beat(4)2
Avg Revenue beat(4)2.08%
Min Revenue beat(4)-4.05%
Max Revenue beat(4)8.25%
Revenue beat(8)4
Avg Revenue beat(8)1.37%
Revenue beat(12)4
Avg Revenue beat(12)-0.79%
Revenue beat(16)4
Avg Revenue beat(16)-1.25%
PT rev (1m)0%
PT rev (3m)13.21%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.81%
EPS NY rev (1m)0%
EPS NY rev (3m)1.65%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)10.93%
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.39%
Valuation
Industry RankSector Rank
PE 12.85
Fwd PE 13.09
P/S 0.86
P/FCF 11.27
P/OCF 9.77
P/B 7.38
P/tB N/A
EV/EBITDA 14.25
EPS(TTM)4.98
EY7.78%
EPS(NY)4.89
Fwd EY7.64%
FCF(TTM)5.68
FCFY8.87%
OCF(TTM)6.55
OCFY10.24%
SpS74.31
BVpS8.67
TBVpS-22.33
PEG (NY)0.34
PEG (5Y)N/A
Graham Number31.17
Profitability
Industry RankSector Rank
ROA -6.46%
ROE -45.71%
ROCE 10.8%
ROIC 8.53%
ROICexc 11.51%
ROICexgc 1279.41%
OM 6.13%
PM (TTM) N/A
GM 96.14%
FCFM 7.64%
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-Score7
Asset Turnover1.21
Health
Industry RankSector Rank
Debt/Equity 3.26
Debt/FCF 6.35
Debt/EBITDA 4.52
Cap/Depr 51.49%
Cap/Sales 1.18%
Interest Coverage 250
Cash Conversion 104.73%
Profit Quality N/A
Current Ratio 1.22
Quick Ratio 1.22
Altman-Z 0.79
F-Score7
WACC10.69%
ROIC/WACC0.8
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 Y37.43%
EPS Next 2Y23.61%
EPS Next 3Y26.56%
EPS Next 5Y16%
Revenue 1Y (TTM)33.86%
Revenue growth 3Y-6.42%
Revenue growth 5Y-4.04%
Sales Q2Q%18.03%
Revenue Next Year18.12%
Revenue Next 2Y12.73%
Revenue Next 3Y9.6%
Revenue Next 5Y8.68%
EBIT growth 1Y165.34%
EBIT growth 3Y79.39%
EBIT growth 5Y-9.36%
EBIT Next Year259.67%
EBIT Next 3Y62.37%
EBIT Next 5Y38.43%
FCF growth 1Y71.29%
FCF growth 3Y-20.82%
FCF growth 5Y-16.25%
OCF growth 1Y61.96%
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 4 / 10 to TREE.


What is the valuation status for TREE stock?

ChartMill assigns a valuation rating of 5 / 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 3 / 10.


Can you provide the PE and PB ratios for TREE stock?

The Price/Earnings (PE) ratio for LENDINGTREE INC (TREE) is 12.85 and the Price/Book (PB) ratio is 7.38.


Can you provide the expected EPS growth for TREE stock?

The Earnings per Share (EPS) of LENDINGTREE INC (TREE) is expected to grow by 37.43% in the next year.