56.03 USD
+1.17 (+2.13%)
56.03 USD
0 (0%)
Overall TREE gets a fundamental rating of 4 out of 10. We evaluated TREE against 55 industry peers in the Consumer Finance industry. TREE has an average financial health and profitability rating. TREE has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
TREE had positive earnings in the past year.
TREE had a positive operating cash flow in the past year.
In the past 5 years TREE reported 4 times negative net income.
TREE had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of TREE (1.86%) 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 49.09% of its industry peers.
The Return On Invested Capital of TREE (10.51%) is better than 80.00% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
TREE has a worse Profit Margin (1.34%) than 72.73% of its industry peers.
TREE has a Operating Margin (7.27%) which is in line with its industry peers.
In the last couple of years the Operating Margin of TREE has declined.
With an excellent Gross Margin value of 96.16%, TREE belongs to the best of the industry, outperforming 92.73% 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 Rank | Sector 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%
2. Health
2.1 Basic Checks
TREE has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is 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.
2.2 Solvency
Based on the Altman-Z score of 0.96, we must say that TREE is in the distress zone and has some risk of bankruptcy.
TREE has a Altman-Z score of 0.96. This is in the better half of the industry: TREE outperforms 63.64% of its industry peers.
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 69.09% of the companies in the same industry.
A Debt/Equity ratio of 2.93 is on the high side and indicates that TREE has dependencies on debt financing.
TREE's Debt to Equity ratio of 2.93 is in line compared to the rest of the industry. TREE outperforms 43.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.93 | ||
| Debt/FCF | 6.48 | ||
| Altman-Z | 0.96 |
ROIC/WACC1.04
WACC10.07%
2.3 Liquidity
A Current Ratio of 1.43 indicates that TREE should not have too much problems paying its short term obligations.
The Current ratio of TREE (1.43) is better than 63.64% of its industry peers.
A Quick Ratio of 1.43 indicates that TREE should not have too much problems paying its short term obligations.
TREE has a better Quick ratio (1.43) than 63.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.43 | ||
| Quick Ratio | 1.43 |
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 37.01%.
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)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.
Based on estimates for the next years, TREE will show a quite strong growth in Revenue. The Revenue will grow by 8.32% on average per year.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.25 indicates a reasonable 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 is valuated cheaply when we compare the Price/Earnings ratio to 26.59, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 11.02 indicates a reasonable valuation of TREE.
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 (23.80), we can say TREE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.25 | ||
| Fwd PE | 11.02 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, TREE is valued a bit cheaper than 67.27% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as TREE.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.65 | ||
| EV/EBITDA | 10.8 |
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's earnings are expected to grow with 22.71% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.21
PEG (5Y)N/A
EPS Next 2Y26.03%
EPS Next 3Y22.71%
5. Dividend
5.1 Amount
TREE does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
56.03
+1.17 (+2.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners83.94%
Inst Owner Change2.01%
Ins Owners2.26%
Ins Owner Change9.56%
Market Cap765.93M
Revenue(TTM)1.06B
Net Income(TTM)14.16M
Analysts83.33
Price Target82.96 (48.06%)
Short Float %6.93%
Short Ratio3.04
Dividend
| Industry Rank | Sector 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)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)12.96%
PT rev (3m)19.61%
EPS NQ rev (1m)-11.59%
EPS NQ rev (3m)-11.82%
EPS NY rev (1m)3.94%
EPS NY rev (3m)11.7%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)7.79%
Revenue NY rev (1m)0.55%
Revenue NY rev (3m)4.83%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.25 | ||
| Fwd PE | 11.02 | ||
| P/S | 0.72 | ||
| P/FCF | 12.65 | ||
| P/OCF | 10.52 | ||
| P/B | 5.79 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.8 |
EPS(TTM)4.98
EY8.89%
EPS(NY)5.08
Fwd EY9.07%
FCF(TTM)4.43
FCFY7.91%
OCF(TTM)5.33
OCFY9.51%
SpS77.48
BVpS9.69
TBVpS-21.11
PEG (NY)0.21
PEG (5Y)N/A
Graham Number32.94
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.96 |
F-Score8
WACC10.07%
ROIC/WACC1.04
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 4 / 10 to TREE.
What is the valuation status for TREE stock?
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 4 / 10.
Can you provide the PE and PB ratios for TREE stock?
The Price/Earnings (PE) ratio for LENDINGTREE INC (TREE) is 11.25 and the Price/Book (PB) ratio is 5.79.
Can you provide the expected EPS growth for TREE stock?
The Earnings per Share (EPS) of LENDINGTREE INC (TREE) is expected to grow by 53.51% in the next year.