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LendingTree, Inc.

TREE Financial Insurance Brokers

LendingTree, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, up 24.1% from fiscal 2024.

Revenue
+25.3%
EPS
+6.15%
Free cash flow
+3.14%
Total debt
−20.6%

Quarter to June 2026, against a year earlier

26.97 0.97 −3.47%
Market cap
$392.3M
P/E
2.0×
Fwd P/E
7.9×
Dividend yield
—
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 13.21%

Capital & Financial Ratios $m

Size
Market Cap 392.27
Revenue ttm 1,268.17
Net income ttm 181.66
Free cash flow ttm 76.37
Net debt Q 279.52
Valuation
P/E 2.04
Forward P/E 7.88
Price / sales 0.30
Forward P/S Powerpack
Price / FCF 4.93
Price / book 1.17
Financial health
Current ratio Q 1.85
Debt / equity Q 1.22
Interest coverage Q 2.57
Growth
Revenue growth Q +25.31% (above 0%: growing)
Operating income growth Q +4.18% (above 0%: growing)
EPS, this year +57.89% (at or above 15%: strong)
EPS, next year A +24.05% (at or above 15%: strong)
Revenue, next year A +17.24% (at or above 10%: strong)
EPS, past 5 yrs —
EPS, next 5 yrs A +28.85% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 2.11%
10-year low 10-year high
P/S against its own 10 years 6.53%
10-year low 10-year high
P/B against its own 10 years 4.55%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 112 107 81 111
Receivables 55 98 111 149
Inventory — — — —
Other — — — —
196 238 230 300
2023 2024 2025 Q'26
Payables 2 8 7 47
ST’ Debt 3 125 4 4
Other — — — —
76 240 137 162

Compound Annual Growth %

10y 5y 3y
Sales 15.96% 4.19% 4.29%
Cash Flow 6.99% (8.06%) 19.38%
Earnings 12.16% 0.00% 0.00%
Book Value 1.75% (4.70%) 11.31%

Earnings Trends EPS, adjusted, against the consensus

Q2 FY26 Estimate 1.46 Actual 1.27

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY25 1.23 1.70 Beat by 0.47
Q4 FY25 0.90 −0.39 Miss by 1.29
Q1 FY26 1.49 1.66 Beat by 0.17
Q2 FY26 1.46 1.27 Miss by 0.19
Q3 FY26 1.29 — Reports 3 November 2026

EPS $

Mar Jun Sep Dec Year
’26 1.22 0.68 — — —
’25 (0.92) 0.65 0.73 10.27 10.78
’24 0.08 0.58 (4.34) 0.55 (3.14)
’23 1.04 (0.01) (11.43) 0.98 (9.46)
’22 (0.84) (0.63) (12.44) (0.81) (14.69)
’21 1.35 0.48 (0.34) 3.53 5.05
’20 1.02 (2.29) (1.89) (0.63) (3.71)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 327 313 — — —
’25 240 250 308 320 1,117
’24 168 210 261 262 900
’23 201 182 155 134 673
’22 283 262 238 202 985
’21 273 270 297 258 1,098
’20 283 184 220 222 910
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 12 29 — — —
’25 0 28 29 17 73
’24 6 (5) 45 16 62
’23 13 15 18 21 68
’22 10 6 10 17 43
’21 9 46 34 42 131
’20 29 59 8 15 111
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 9 26 — — —
’25 (4) 25 28 14 63
’24 3 (8) 42 13 51
’23 11 13 13 18 55
’22 7 3 8 14 32
’21 (2) 33 27 38 96
’20 25 54 (3) (7) 69
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 384 618 765 1,107 910 1,098 985 673 900 1,117 1,268 +12.6% 1,310 1,401 1,508 +10.5%
Gross margin, % 96.42 97.21 95.24 93.82 94.01 94.78 94.14 94.24 95.99 96.19 96.41 (0.2) pt
EBT 52 26 44 31 (43) 84 (55) (125) (37) 21 62 (9.5%)
EBT margin, % 13.42 4.16 5.72 2.80 (4.67) 7.69 (5.58) (18.58) (4.15) 1.88 4.90 (11.5) pt
Net income 27 16 96 18 (48) 69 (188) (122) (42) 151 182 +20.9%
Per share, $
Per share, $ Revenue 32.54 51.72 61.17 86.22 69.96 83.23 76.99 51.97 67.84 82.25 90.81 +10.9%
Earnings 2.33 1.30 7.72 1.39 (3.71) 5.24 (14.69) (9.46) (3.14) 11.14 13.23 +19.0%
Cash flow 5.44 8.67 9.91 12.25 8.56 9.94 3.36 5.22 4.69 5.38 6.16 (0.1%)
Capex (2.88) (2.77) (1.19) 0.31 (3.24) (2.66) (0.89) (0.97) (0.85) (0.73) (0.69) (14.1%)
Free cash flow 2.56 5.90 8.72 12.56 5.32 7.29 2.46 4.25 3.85 4.65 5.47 +6.9%
Book value 19.59 24.69 27.69 31.35 28.04 33.94 16.25 9.59 8.20 21.11 22.97 +0.8%
Shares, m 12 12 13 13 13 13 13 13 13 14 14 +1.6%
Valuation, ×
Valuation, × P/E 42.21 259.73 28.19 219.88 0.00 23.35 0.00 0.00 0.00 4.82 2.04 57.8
P/S 3.02 6.58 3.59 3.52 3.91 1.47 0.28 0.57 0.57 0.65 0.30 2.4
P/B 5.02 13.78 7.93 9.68 9.76 3.61 1.33 3.07 4.72 2.51 1.17 6.1
EV/Sales 2.77 6.36 3.94 3.77 4.40 1.83 0.81 1.19 0.97 0.92 — 2.7
EV/FCF 33.06 41.15 27.66 25.89 57.95 20.91 25.17 14.48 17.18 16.33 — 28.0
Cash, $m
Cash, $m Operating cash flow 64 104 124 157 111 131 43 68 62 73 86 +1.5%
Capex (34) (33) (15) 4 (42) (35) (11) (13) (11) (10) (10) (12.8%)
Free cash flow 30 70 109 161 69 96 32 55 51 63 76 +8.5%
Balance, $m
Balance, $m Working capital 74 291 (28) (41) 185 100 331 121 (2) 92 137 +2.5%
Net debt (95) (134) 271 279 446 393 517 417 362 311 280 n/m
Shareholders’ equity 231 295 346 402 365 448 208 124 109 287 321 +2.4%
Returns, %
Returns, % ROA 8.88 3.06 12.14 1.93 (4.52) 5.56 (15.04) (12.23) (5.31) 18.64 20.79 +9.8 pt
ROIC 23.91 12.91 5.69 4.65 (0.51) 0.60 (2.82) (4.69) 5.92 6.78 10.82 (17.1) pt
ROE 11.64 5.92 30.11 4.76 (12.58) 17.01 (57.31) (73.72) (35.80) 76.49 82.78 +64.9 pt
People
People Employees 399 535 909 1,107 1,303 1,425 1,253 870 937 926 — +9.8%
Revenue/emp, $m 0.96 1.15 0.84 1.00 0.70 0.77 0.79 0.77 0.96 1.21 — +2.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

LendingTree, Inc. vs peers in Insurance Brokers (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
LIFE Ethos Technologies Inc. $2.8B — (loss-making) — (loss-making) +99.77% (above 0%: growing) −58.84% (below 0%: shrinking) +235.50% (above 0%: growing) 100.00% 9.56% Compare
GSHD Goosehead Insurance $1.7B 33.3× 32.3× +20.59% (above 0%: growing) +110.00% (above 0%: growing) −63.75% (below 0%: shrinking) 100.00% 23.45% Compare
TWFG TWFG, Inc. $1.5B 45.7× 36.1× +45.11% (above 0%: growing) +38.46% (above 0%: growing) +42.74% (above 0%: growing) 51.44% 20.10% Compare
CRD.A Crawford & Company $572.6M 25.4× — −1.37% (below 0%: shrinking) +75.00% (above 0%: growing) −51.68% (below 0%: shrinking) 28.78% 7.68% Compare
CRD.B Crawford & Company $572.6M 24.6× 13.4× −1.37% (below 0%: shrinking) +75.00% (above 0%: growing) −51.68% (below 0%: shrinking) 28.78% 7.68% Compare
AIFU AIFU Inc. - Sponsored ADR $499.1M 0.0× 11.0× −15.11% (below 0%: shrinking) n/m −96.62% (below 0%: shrinking) 36.32% 2.74% Compare
TREE LendingTree, Inc. $392.3M 2.1× 7.9× +25.31% (above 0%: growing) +6.15% (above 0%: growing) +3.14% (above 0%: growing) 96.40% 6.95%
XHG XChange TEC.INC. Sponsored ADR $189.7M 0.0× — (loss-making) −69.19% (below 0%: shrinking) n/m −324.48% (below 0%: shrinking) 0.00% 0.00% Compare
SLQT SelectQuote, Inc. $64.0M — (loss-making) — (loss-making) −6.79% (below 0%: shrinking) n/m +80.58% (above 0%: growing) 32.15% 1.07% Compare
Median of peers $572.6M 25.0× 22.8× −1.37% +75.00% −51.68% 34.24% 7.68%

All 23 Insurance Brokers stocks →

Pay and ownership Proxy statement filed 27 April 2026

Ownership

Directors and executive officers, together 4.00%
Lebda Family Holdings, LLC 9.50%
Richard Balot 9.50%
Megan Greuling 6.60%
Brent Beason 6.60%
BlackRock, Inc. 5.90%
Estate of Douglas R. Lebda 5.70%
Steven Lockshin 5.30%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

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stockrow.com/TREE · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com