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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 Framework: Banks & Lenders Small Cap
LendingTree, Inc. (TREE), is a Small Cap company, in the Financial Conglomerates industry, last closed at $36.55, about 166.4% undervalued vs fair value, +7.0% 1Y return, placing in the top 10% of its sector.
USD 36.55
-0.81%
(Delayed)
• Vol 90d: 83.2%
52-Week Range
Market Cap
$508.20M
Enterprise Value
$889.47M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 53%
Updated: Mar 8
Top Beats

Quick Facts

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

Next Events

Earnings Jul 30 Estimated

Fair Value Snapshot

Bear Base Bull
$85
$97
$110
Current: $36.55 +166% 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
27
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
5
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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 (29.5%), Profitability (22.8%), and Safety (47.8%). Growth 29% Safety 48% Profitability 23%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

40th percentile vs peers
41
Key Signals
EPS Growth YoY 66.8% 86p Rev Growth YoY 33.9% 38p Revenue CAGR 3Y -6.4% 7p
Strengths
  • EPS Growth YoY in top 20% of peers (66.8%, 86th percentile)
  • D/E Ratio in top 20% of peers (5.00, 95th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Gross Profit Margin in top 20% of peers (96.0%, 84th percentile)
Risks
  • Growth below peer median (percentile: 40)

Profitability

31th percentile vs peers
32
Key Signals
Strengths
Risks
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Safety

66th percentile vs peers
66
Key Signals
Strengths
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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
$97.37
- - -
+166.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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