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Company Analysis

LendingTree, Inc. TREE

A comprehensive view of key metrics, scores, and financial health for LendingTree, Inc.

Overview of LendingTree, Inc.

TREE NMS
Financial Services Financial Conglomerates Small Cap
LendingTree, Inc. (TREE), is a Small Cap company, in the Financial Conglomerates industry, last closed at $39.94, about 148.8% undervalued vs fair value, -21.1% 1Y return, placing in the top 10% of its sector.
$39.94
0.45%
As of March 13, 2026
Previous close • Vol 90d: 80.3%
52-Week Range
Market Cap
$586.50M
Enterprise Value
$967.77M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.lendingtree.com
HQ Charlotte, NC
Employees 927
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$87
$99
$113
Current: $39.94 +149% vs base

Engine Room Money Flow™

Small Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$900.2M
33.9%%
Gross Profit
$864.1M
36.4%%
Operating Income
$48.9M
476%%
Net Income
$-41.7M
65.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Cash Conversion Ratio
-122.4%
Poor

FCF / Net Income - measures how well earnings convert to cash

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$46.3M
90.8% of FCF

Where It Leaks

Cash Flow Health significant issues
Overall assessment of cash flow efficiency and conversion quality.
4
Active Leaks
3/4
Improving
2
High Impact
0
Critical
Locked Leak
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Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating LendingTree, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
59
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
45
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 92% Coverage
Trade-Off Triangle Visualization A ternary plot showing TREE's balance between Growth (39.5%), Profitability (24.9%), and Safety (35.6%). Growth 40% Safety 36% Profitability 25%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

59th percentile vs peers
59
Key Signals
Rev Growth YoY 33.9% 85p EPS Growth YoY 66.8% 75p Revenue CAGR 3Y -6.4% 14p
Strengths
  • Rev Growth Yoy in top 20% of peers (33.9%, 85th percentile)
  • D/E Ratio in top 20% of peers (5.00, 85th percentile)
  • Debt/Fcf Ratio in top 20% of peers (10.66, 85th percentile)
  • Strong liquidity position vs peers
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

37th percentile vs peers
37
Key Signals
Strengths
Risks
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Safety

53th percentile vs peers
53
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for LendingTree, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$99.38
- - -
+148.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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