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LENDINGTREE INC (TREE) Stock Fundamental Analysis

NASDAQ:TREE - Nasdaq - US52603B1070 - Common Stock - Currency: USD

37.93  -0.22 (-0.56%)

After market: 37.93 0 (0%)

Fundamental Rating

4

Taking everything into account, TREE scores 4 out of 10 in our fundamental rating. TREE was compared to 53 industry peers in the Consumer Finance industry. TREE has a bad profitability rating. Also its financial health evaluation is rather negative. TREE is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year TREE was profitable.
In the past year TREE had a positive cash flow from operations.
TREE had negative earnings in 4 of the past 5 years.
In the past 5 years TREE always reported a positive cash flow from operatings.
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 (-7.09%) than 86.79% of its industry peers.
The Return On Equity of TREE (-53.11%) is worse than 88.68% of its industry peers.
The Return On Invested Capital of TREE (7.08%) is better than 71.70% of its industry peers.
Industry RankSector Rank
ROA -7.09%
ROE -53.11%
ROIC 7.08%
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

Looking at the Operating Margin, with a value of 5.20%, TREE is in line with its industry, outperforming 41.51% of the companies in the same industry.
In the last couple of years the Operating Margin of TREE has declined.
With an excellent Gross Margin value of 96.15%, TREE belongs to the best of the industry, outperforming 90.57% 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 5.2%
PM (TTM) N/A
GM 96.15%
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

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3

2. Health

2.1 Basic Checks

TREE has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for TREE has been increased compared to 1 year ago.
The number of shares outstanding for TREE has been increased compared to 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 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

TREE has an Altman-Z score of 0.38. This is a bad value and indicates that TREE is not financially healthy and even has some risk of bankruptcy.
TREE has a Altman-Z score of 0.38. This is comparable to the rest of the industry: TREE outperforms 47.17% of its industry peers.
TREE has a debt to FCF ratio of 11.11. This is a negative value and a sign of low solvency as TREE would need 11.11 years to pay back of all of its debts.
With a Debt to FCF ratio value of 11.11, TREE perfoms like the industry average, outperforming 49.06% of the companies in the same industry.
A Debt/Equity ratio of 3.74 is on the high side and indicates that TREE has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 3.74, TREE is doing worse than 60.38% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.74
Debt/FCF 11.11
Altman-Z 0.38
ROIC/WACC0.78
WACC9.1%
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 1.20. 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 Current ratio (1.20) which is comparable to the rest of the industry.
TREE has a Quick Ratio of 1.20. This is a normal value and indicates that TREE is financially healthy and should not expect problems in meeting its short term obligations.
With a Quick ratio value of 1.20, TREE perfoms like the industry average, outperforming 52.83% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.2
Quick Ratio 1.2
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

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 27.84% over the past year.
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.
Looking at the last year, TREE shows a very strong growth in Revenue. The Revenue has grown by 51.96%.
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)27.84%
EPS 3Y27.33%
EPS 5Y-10.75%
EPS Q2Q%41.43%
Revenue 1Y (TTM)51.96%
Revenue growth 3Y-6.42%
Revenue growth 5Y-4.04%
Sales Q2Q%42.88%

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 17.11% on average per year.
TREE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.29% yearly.
EPS Next Y35.2%
EPS Next 2Y19.12%
EPS Next 3Y19.7%
EPS Next 5Y17.11%
Revenue Next Year12.07%
Revenue Next 2Y9.71%
Revenue Next 3Y8.88%
Revenue Next 5Y7.29%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
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

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.87, the valuation of TREE can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of TREE is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 27.50. TREE is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 8.35, the valuation of TREE can be described as very reasonable.
Based on the Price/Forward Earnings ratio, TREE is valued a bit cheaper than the industry average as 60.38% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.44, TREE is valued rather cheaply.
Industry RankSector Rank
PE 10.87
Fwd PE 8.35
TREE Price Earnings VS Forward Price EarningsTREE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, TREE is valued a bit cheaper than 69.81% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TREE is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 11.55
EV/EBITDA 11.91
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

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 19.70% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.31
PEG (5Y)N/A
EPS Next 2Y19.12%
EPS Next 3Y19.7%

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0

5. Dividend

5.1 Amount

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

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LENDINGTREE INC

NASDAQ:TREE (7/18/2025, 4:33:10 PM)

After market: 37.93 0 (0%)

37.93

-0.22 (-0.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)05-01 2025-05-01/amc
Earnings (Next)07-24 2025-07-24/bmo
Inst Owners82.79%
Inst Owner Change0%
Ins Owners18.39%
Ins Owner Change25.07%
Market Cap513.57M
Analysts83.33
Price Target64.87 (71.03%)
Short Float %6.79%
Short Ratio1.94
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)1211.59%
Min EPS beat(2)48.67%
Max EPS beat(2)2374.51%
EPS beat(4)4
Avg EPS beat(4)614.46%
Min EPS beat(4)16.04%
Max EPS beat(4)2374.51%
EPS beat(8)8
Avg EPS beat(8)429.35%
EPS beat(12)12
Avg EPS beat(12)342.51%
EPS beat(16)16
Avg EPS beat(16)321.9%
Revenue beat(2)1
Avg Revenue beat(2)2.1%
Min Revenue beat(2)-4.05%
Max Revenue beat(2)8.25%
Revenue beat(4)3
Avg Revenue beat(4)4.67%
Min Revenue beat(4)-4.05%
Max Revenue beat(4)9.94%
Revenue beat(8)4
Avg Revenue beat(8)0.47%
Revenue beat(12)4
Avg Revenue beat(12)-1.19%
Revenue beat(16)4
Avg Revenue beat(16)-1.33%
PT rev (1m)0%
PT rev (3m)-4.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)22.05%
EPS NY rev (1m)3.46%
EPS NY rev (3m)17.64%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.79%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.72%
Valuation
Industry RankSector Rank
PE 10.87
Fwd PE 8.35
P/S 0.53
P/FCF 11.55
P/OCF 9.12
P/B 4.95
P/tB N/A
EV/EBITDA 11.91
EPS(TTM)3.49
EY9.2%
EPS(NY)4.54
Fwd EY11.97%
FCF(TTM)3.28
FCFY8.66%
OCF(TTM)4.16
OCFY10.97%
SpS71.8
BVpS7.66
TBVpS-23.62
PEG (NY)0.31
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -7.09%
ROE -53.11%
ROCE 8.96%
ROIC 7.08%
ROICexc 9.12%
ROICexgc 272.68%
OM 5.2%
PM (TTM) N/A
GM 96.15%
FCFM 4.57%
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
ROICexcg growth 3YN/A
ROICexcg 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 Turnover1.25
Health
Industry RankSector Rank
Debt/Equity 3.74
Debt/FCF 11.11
Debt/EBITDA 5.22
Cap/Depr 50.29%
Cap/Sales 1.22%
Interest Coverage 250
Cash Conversion 75.9%
Profit Quality N/A
Current Ratio 1.2
Quick Ratio 1.2
Altman-Z 0.38
F-Score7
WACC9.1%
ROIC/WACC0.78
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)27.84%
EPS 3Y27.33%
EPS 5Y-10.75%
EPS Q2Q%41.43%
EPS Next Y35.2%
EPS Next 2Y19.12%
EPS Next 3Y19.7%
EPS Next 5Y17.11%
Revenue 1Y (TTM)51.96%
Revenue growth 3Y-6.42%
Revenue growth 5Y-4.04%
Sales Q2Q%42.88%
Revenue Next Year12.07%
Revenue Next 2Y9.71%
Revenue Next 3Y8.88%
Revenue Next 5Y7.29%
EBIT growth 1Y108.4%
EBIT growth 3Y79.39%
EBIT growth 5Y-9.36%
EBIT Next Year247.76%
EBIT Next 3Y61.79%
EBIT Next 5Y38.06%
FCF growth 1Y24.54%
FCF growth 3Y-20.82%
FCF growth 5Y-16.25%
OCF growth 1Y22.15%
OCF growth 3Y-23.28%
OCF growth 5Y-15.43%