67.17 USD
+2.79 (+4.33%)
67.5 USD
+0.33 (+0.49%)
We assign a fundamental rating of 4 out of 10 to TREE. TREE was compared to 53 industry peers in the Consumer Finance industry. TREE has an average financial health and profitability rating. TREE has a correct valuation and a medium growth rate.
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.
- TREE had negative earnings in 4 of the past 5 years.
- TREE had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- TREE has a Return On Assets (1.86%) which is in line with its industry peers.
- Looking at the Return On Equity, with a value of 10.69%, TREE is in line with its industry, outperforming 43.40% of the companies in the same industry.
- TREE has a better Return On Invested Capital (10.51%) than 79.25% 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
- The Profit Margin of TREE (1.34%) is worse than 75.47% of its industry peers.
- TREE has a Operating Margin of 7.27%. This is comparable to the rest of the industry: TREE outperforms 41.51% of its industry peers.
- TREE's Operating Margin has declined in the last couple of years.
- TREE has a Gross Margin of 96.16%. This is amongst the best in the industry. TREE outperforms 92.45% of its industry peers.
- TREE's Gross Margin has been stable in the last couple of years.
| 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
- 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.
- Compared to 5 years ago, TREE has more shares outstanding
- TREE has a better debt/assets ratio than last year.
2.2 Solvency
- TREE has an Altman-Z score of 1.12. This is a bad value and indicates that TREE is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 1.12, TREE is in the better half of the industry, outperforming 66.04% of the companies in the same industry.
- The Debt to FCF ratio of TREE is 6.48, which is on the high side as it means it would take TREE, 6.48 years of fcf income to pay off all of its debts.
- TREE's Debt to FCF ratio of 6.48 is fine compared to the rest of the industry. TREE outperforms 69.81% 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 of 2.93. This is comparable to the rest of the industry: TREE outperforms 47.17% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.93 | ||
| Debt/FCF | 6.48 | ||
| Altman-Z | 1.12 |
ROIC/WACC1.3
WACC8.1%
2.3 Liquidity
- TREE has a Current 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.
- With a decent Current ratio value of 1.43, TREE is doing good in the industry, outperforming 62.26% of the companies in the same industry.
- 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 62.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.43 | ||
| Quick Ratio | 1.43 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 114.66% 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 37.01%.
- 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)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.
- 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
- 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.
- 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 13.49 indicates a correct valuation of TREE.
- Based on the Price/Earnings ratio, TREE is valued a bit more expensive than the industry average as 60.38% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Earnings ratio of 27.54, TREE is valued rather cheaply.
- A Price/Forward Earnings ratio of 13.21 indicates a correct valuation of TREE.
- TREE's Price/Forward Earnings is on the same level as the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 24.31. TREE is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.49 | ||
| Fwd PE | 13.21 |
4.2 Price Multiples
- 62.26% of the companies in the same industry are more expensive than TREE, based on the Enterprise Value to EBITDA ratio.
- TREE's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.16 | ||
| EV/EBITDA | 12.49 |
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.
- A more expensive valuation may be justified as TREE's earnings are expected to grow with 22.71% in the coming years.
PEG (NY)0.25
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 | 0% |
67.17
+2.79 (+4.33%)
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 Owners85.22%
Inst Owner Change0.09%
Ins Owners2.26%
Ins Owner Change1.22%
Market Cap918.21M
Revenue(TTM)1.06B
Net Income(TTM)14.16M
Analysts83.33
Price Target82.96 (23.51%)
Short Float %6.23%
Short Ratio3.06
Dividend
| Industry Rank | Sector 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)-11.82%
EPS NY rev (1m)0%
EPS NY rev (3m)11.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)7.79%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.83%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.49 | ||
| Fwd PE | 13.21 | ||
| P/S | 0.87 | ||
| P/FCF | 15.16 | ||
| P/OCF | 12.61 | ||
| P/B | 6.94 | ||
| P/tB | N/A | ||
| EV/EBITDA | 12.49 |
EPS(TTM)4.98
EY7.41%
EPS(NY)5.08
Fwd EY7.57%
FCF(TTM)4.43
FCFY6.6%
OCF(TTM)5.33
OCFY7.93%
SpS77.48
BVpS9.69
TBVpS-21.11
PEG (NY)0.25
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 | 1.12 |
F-Score8
WACC8.1%
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 4 / 10 to TREE.
Can you provide the valuation status for LENDINGTREE INC?
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 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 13.49 and the Price/Book (PB) ratio is 6.94.
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.