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LendingTree, Inc. TREE

Financial — Financial Conglomerates

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Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership
13.14%

Capital & Financial Ratios

Market Cap
365.31
Revenue
1,268.17
Net Income
181.66
Free Cash Flow
76.37
Net Debt
279.52
Current Ratio
1.85
Debt/Equity
1.22
P/E ratio
1.94
P/S ratio
0.28
P/B ratio
1.11
Past 5Y EPS Growth
—
This Y EPS Growth
58.51%
Next Y EPS Growth
23.38%
Next 5Y EPS Growth
28.85%
in millions of $

Dividends

Payout Ratio
0.00
Annual Dividend Rate
—
Annual Dividend Yield
—
total individual payouts
2023 ‡‡‡
2022 ‡‡‡
2021 ‡‡‡
2020 ‡‡‡
2019 ‡‡‡
2017 ‡‡‡
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 112.06 106.59 81.07 110.77
Receivables 54.95 97.79 110.58 149.29
Inventory — — — —
Other — — — —
196.48 238.46 229.71 299.80
2023 2024 2025 Q'26
Payables 1.96 8.36 6.74 47.35
ST’ Debt 3.13 124.93 3.93 3.93
Other — — — —
75.63 240.48 137.46 162.37
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡ ‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 327.27 313.42 — —
—
’25 239.73 250.12 307.79 319.69
1,117.32
’24 167.77 210.14 260.79 261.52
900.22
’23 200.51 182.45 155.19 134.35
672.50
’22 283.18 261.92 237.84 202.06
984.99
’21 272.75 270.01 297.45 258.29
1,098.50
’20 283.08 184.33 220.25 222.33
909.99
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 11.55 29.17 — —
—
’25 (0.21) 27.95 28.83 16.53
73.10
’24 5.71 (4.94) 45.26 16.24
62.26
’23 13.16 15.07 18.47 20.88
67.57
’22 10.00 6.09 10.23 16.65
42.97
’21 8.93 45.66 34.31 42.36
131.26
’20 29.30 58.61 8.30 15.08
111.30
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 8.78 26.00 — —
—
’25 (3.62) 25.21 28.06 13.53
63.18
’24 2.96 (7.67) 42.34 13.41
51.04
’23 10.70 12.67 13.39 18.28
55.04
’22 6.53 3.21 7.61 14.17
31.52
’21 (1.63) 32.62 27.38 37.81
96.19
’20 25.11 53.70 (2.98) (6.68)
69.15
in millions of $

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)

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

1
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 17.60 10.12 24.55 33.50 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 143.09 47.82 62.49 77.35 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,253 870 937 926 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.79 0.77 0.96 1.21 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 984.99 672.50 900.22 1,117.32 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 94.14% 94.24% 95.99% 96.19% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (54.93) (124.92) (37.38) 21.02 ‡‡‡‡‡ — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (5.58%) (18.58%) (4.15%) 1.88% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (187.95) (122.40) (41.70) 151.31 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 53.31 29.90 26.69 23.76 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 76.99 51.97 67.84 82.25 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ (14.69) (9.46) (3.14) 11.14 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.36 5.22 4.69 5.38 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.89) (0.97) (0.85) (0.73) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.46 4.25 3.85 4.65 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 16.25 9.59 8.20 21.11 ‡‡‡‡‡ — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.79 12.94 13.27 13.58 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ 0.00 0.00 0.00 4.82 ‡‡‡‡ ‡‡‡‡ ‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.28 0.57 0.57 0.65 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.33 3.07 4.72 2.51 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.81 1.19 0.97 0.92 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 25.17 14.48 17.18 16.33 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 42.97 67.57 62.26 73.10 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (11.44) (12.53) (11.22) (9.93) ‡‡‡‡‡ ‡‡‡‡‡ —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 31.52 55.04 51.04 63.18 ‡‡‡‡‡ — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 331.43 120.85 (2.01) 92.24 — — —
Working Cap'
— ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 816.02 528.74 469.06 391.62 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 517.05 416.69 362.46 310.55 — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 207.94 124.13 108.82 286.80 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (15.04%) (12.23%) (5.31%) 18.64% ‡‡‡‡‡ — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (2.82%) (4.69%) 5.92% 6.78% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (57.31%) (73.72%) (35.80%) 76.49% ‡‡‡‡‡ — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

LendingTree, Inc. (TREE), a leading online lending marketplace, has endured wild swings tied to interest rate cycles and economic shifts, with revenues plummeting 39% from a 2019 peak of $1.1 billion to $672.5 million in 2023 before surging 34% to $900.2 million in 2024 amid stabilizing rates post-Fed hikes. Stock prices echoed this volatility, soaring above 400 in 2019, crashing to 10 in 2023, and rebounding to 62 in 2024—yet current levels signal deep undervaluation, with analyst targets implying 109% upside (81-114% range). High gross margins above 94% and robust revenue per employee around $960,000 underscore its scalable, asset-light model, insulated from credit risk but highly sensitive to origination volumes.

Profitability has mirrored these cycles, with EPS swinging from $7.72 in 2017 to -$3.14 in 2024, but forecasts show a sharp turnaround: positive EBT margins (3.1%) and $13.8 million net income in 2025, scaling to $60 million by 2027, alongside FCF growth to $84 million. Valuation multiples are compelling—forward P/E at 9.6x by 2027, PS at 0.57x—well below historical and peer averages, bolstered by net debt reduction and insider conviction, including the COO’s $2 million share purchases in early 2025. Projections hinge on normalizing rates boosting originations 15-20% annually, with revenue hitting $1.2 billion by 2027.

This high-beta play on the lending upcycle offers 50-100% return potential per backtested models, though risks like persistent high rates or competition linger—making TREE a macro-sensitive overweight candidate as cycles turn.

Read full commentary →

LendingTree, Inc. (TREE) Latest News

News by impact score

Fine-tune

15 Sep

3 , 10:00 AM
BHG Financial renews partnership with LendingTree to offer personal loans up to $250,000 to qualified customers. Renewed partnership expands LendingTree loan limits to $250,000, supporting revenue growth and customer acquisition.

1 Sep

3 , 10:17 AM
Intuit's Credit Karma expands its reach amid questions over sustainability of double-digit growth. Credit Karma expansion adds competitive pressure on LendingTree market position.

7 Aug

3 transcript www.fool.com, 9:02 PM
LendingTree (TREE) held its Q2 2026 earnings call, covering quarterly financial results and business outlook. Quarterly earnings calls typically update investors on performance metrics that can shift near-term stock sentiment without altering long-term strategy.

4 Aug

4 , 12:49 PM
LendingTree launches ChatGPT plug-in to transform consumer mortgage shopping. AI plug-in launch targets core mortgage operations with potential to shift competitive positioning and growth trajectory.

3 Aug

4 , 11:38 AM
LendingTree, Inc. (TREE) expands its marketplace by adding six new product categories. Adding six new product categories marks a major strategic expansion that can significantly strengthen LendingTree's competitive position and growth trajectory.

30 Jul

3 , 12:43 PM
LendingTree missed Q2 earnings on higher costs, driving stock lower while lowering 2026 outlook. Q2 miss and reduced 2026 guidance reflect cost pressures that weigh on near-term sentiment and longer-term expectations.

3 , 10:00 AM
LendingTree Q2 earnings call stressed AI initiatives despite ongoing SMB segment weakness. AI emphasis points to moderate future innovation gains offset by current SMB softness.

3 app.moby.co, 8:30 AM
LendingTree, Inc. held its Q2 2026 earnings call, covering financial results, operational updates and forward outlook for the mortgage and lending platform. Q2 earnings call supplies fresh financial metrics and guidance that can shift near-term investor sentiment and valuation multiples for TREE.

3 transcript , 1:03 AM
LendingTree Q2 2026 earnings call highlights insurance surge offsetting SMB segment weakness. Insurance gains balance SMB shortfalls without signaling major trajectory shift.

29 Jul

3 transcript www.marketbeat.com, 9:04 PM
LendingTree Q2 earnings call highlights financial results, operational updates and outlook impacting company performance. Q2 earnings details typically influence short-term valuation and investor sentiment without major strategic shifts.

3 , 7:30 PM
Tree.com (TREE) reported Q2 earnings, comparing key metrics against estimates. Q2 earnings metrics versus estimates influence investor views on financial performance.

3 , 4:45 PM
LendingTree missed Q2 CY2026 revenue estimates, triggering an immediate stock price decline. Revenue shortfall directly pressures near-term earnings outlook and share valuation.

3 , 4:15 PM
LendingTree, Inc. reported its second quarter 2026 financial results. Quarterly results typically move stock prices via updated financial metrics and guidance.

28 Jul

4 , 3:33 AM
LendingTree prepares to release earnings with attention on revenue, loan volumes, and profitability metrics. Earnings metrics directly shape TREE revenue outlook and stock movement.

27 Jul

3 , 10:55 AM
LendingTree prepares to release Q2 earnings. Investors should focus on revenue, loan volumes, net income and any updated guidance. Quarterly earnings releases frequently move share prices based on results versus expectations.

16 Jun

3 , 8:49 AM
LendingTree delivered strong Q1 results with positive performance across all operational areas. Positive Q1 earnings signal operational success likely to influence near-term stock sentiment.

7 Jun

3 www.barchart.com, 10:00 AM
US consumers hold $1.25 trillion in credit card debt with rates above 23%. Experts state one call enabled over 80% of borrowers to secure lower rates. Promotion of rate-reduction calls amid record debt levels may increase platform inquiries and short-term revenue for LendingTree.

2 May

4 StockStory, 9:56 PM
LendingTree (TREE) Q1 results feature insurance segment outperformance and brand investments shaping a positive outlook. Q1 insurance outperformance and strategic brand investments indicate significant positive shifts in financial performance and market positioning.

1 May

4 www.fool.com, 6:52 PM
LendingTree stock plunged nearly 22% after Q2 revenue of $288.1 million missed estimates of $300.4 million, adjusted EBITDA fell short at $48.2 million versus $59.2 million expected, and Q3 guidance projected revenue of $265-285 million amid rising insurance marketing costs and seasonal weakness. Earnings miss and weak forward guidance caused a sharp 22% stock drop, likely pressuring short-term performance and investor confidence.

4 , 8:00 AM
LendingTree Q1 earnings beat estimates, stock rose, and 2026 outlook raised. Earnings beat and raised 2026 outlook indicate strong financial momentum and positive trajectory shift.

4 , 3:18 AM
LendingTree Inc. (TREE) reported record growth in Q1 2026 earnings call, overcoming market challenges with strong performance across key segments. Record growth in Q1 2026 despite market challenges represents a major positive shift in financial trajectory and investor sentiment.

30 Apr

4 www.marketbeat.com, 11:36 PM
LendingTree released Q1 earnings call highlights detailing financial results, operational updates, and forward-looking guidance. Q1 earnings call highlights disclose key financial metrics and strategic insights that significantly shape investor expectations and stock trajectory.

4 app.moby.co, 8:46 PM
LendingTree, Inc. released Q1 2026 earnings call summary highlighting financial results, performance metrics, and forward guidance. Quarterly earnings disclosures shape investor expectations and drive stock price volatility through revenue, profit, and outlook details.

4 Zacks, 7:30 PM
Tree.com (TREE) reported Q1 earnings, analyzing key metrics for insights into performance. Q1 earnings reports reveal financial results that can significantly impact stock performance and future trajectory.

4 transcript www.fool.com, 7:29 PM
LendingTree (TREE) released Q1 2026 earnings call transcript detailing quarterly financial results, performance highlights, and forward-looking guidance. Earnings transcripts disclose detailed financials, strategic updates, and management commentary that significantly sway stock performance and investor outlook.

4 Zacks, 6:25 PM
LendingTree, Inc. (TREE) exceeded Q1 earnings and revenue estimates. Exceeding Q1 earnings and revenue estimates indicates strong financial performance, likely driving positive investor sentiment and stock price gains.

4 StockStory, 5:03 PM
LendingTree (NASDAQ:TREE) Q1 CY2026 sales beat estimates. Sales beating estimates indicates strong financial performance, likely enhancing investor sentiment and stock trajectory.

4 PR Newswire, 4:05 PM
LendingTree, Inc. (TREE) reported first quarter 2026 financial results. Quarterly earnings reports significantly impact LendingTree's stock performance and future market trajectory.

23 Apr

3 Zacks, 10:00 AM
LendingTree Inc. (TREE) earnings expected to grow, analysis questions if stock merits buying. Earnings growth projections moderately influence financial performance and investor sentiment ahead of release.

16 Apr

4 Simply Wall St., 2:08 PM
LendingTree (TREE) narrative shifts positively with improving execution, but valuation expectations are resetting. Execution improvements signal major operational shifts boosting trajectory, countered by valuation resets altering investor sentiment.
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