LendingTree, Inc., through its subsidiary, operates online consumer platform in the United States. It operates through three segments: Home, Consumer, and Insurance. The Home segment offers purchase mortgage, refinance mortgage, and home equity loans and lines of credit. The Consumer segment provides credit cards; personal, small business, and auto loans; deposit accounts; and other credit products, such as debt settlement …
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Competitive advantage assessment
Key strengths
Margins Stable Across CyclesOperating margin volatility is low (stability score 0.94), demonstrating pricing resilience across cycles.
ROIC Sustainably Above PeersROIC at 86.5th percentile exceeds peers and WACC, demonstrating superior capital allocation.
The dashed ring is the peer median. Defense scores are percentile ranks
against peers, so 50 is roughly the typical company in this group.
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Where TREE ranks in Financials: Shell/SPACs & Holding Companies
LendingTree, Inc. ranks #14 of 322
scored companies in Financials: Shell/SPACs & Holding Companies by moat score — the top 4%.
The widest moat in the group is AI TRANSPORTATION ACQUISITION C (AITR)
at 97/100.
Moat scores for companies ranked near TREE in Financials: Shell/SPACs & Holding Companies
Pricing power is the ability to raise prices without losing volume.
Cost Advantage
Score 64
· 15% of the moat score
A cost advantage means delivering the same product for structurally less — better purchasing, denser distribution, a more automated process.
Customer Stickiness
Score 76
· 15% of the moat score
Stickiness is what makes revenue repeat without being re-won every year.
Capital Efficiency
Score 72
· 18% of the moat score
Capital efficiency asks what the company earns on the money tied up in the business.
Resilience
Score 68
· 17% of the moat score
Resilience is the capacity to get through a bad year on its own terms — enough liquidity, enough interest cover, and enough cash generation to avoid a rescue financing or a forced sale.
Scale & Market Position
Score 64
· 15% of the moat score
Scale matters only when it converts into economics.
LendingTree, Inc. (TREE) scores 72 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as moderate. It ranks #14 of 322 scored companies in Financials: Shell/SPACs & Holding Companies, the top 4%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 322 companies in Financials: Shell/SPACs & Holding Companies. Its strongest defense is Pricing Power (80/100) and its weakest is Scale & Market Position (64/100).
How does LendingTree, Inc. compare with other Financials: Shell/SPACs & Holding Companies companies?
LendingTree, Inc. ranks #14 of 322 scored companies in Financials: Shell/SPACs & Holding Companies by moat score. The widest moat in Financials: Shell/SPACs & Holding Companies is AI TRANSPORTATION ACQUISITION C (AITR) at 97/100. The companies ranked closest are Pearl Holdings Acquisition Corp (PRLHW) at 73 just above it and AA Mission Acquisition Corp - Class A (AAM) at 71 just below it.
How is the moat score calculated?
Each company is scored with an industry-specific template — Corporate Default in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 322 companies in Financials: Shell/SPACs & Holding Companies. The defenses are then weighted to produce the overall score out of 100.
Why is LendingTree, Inc. scored with the Corporate Default template?
Most public companies sell a product or a service at a margin, so the moat question is whether that margin survives contact with competitors. The Corporate template scores the six defenses that show up in a general operating company's financial signature: whether it can hold price, produce more cheaply than rivals, keep its customers, earn a return above its cost of capital, withstand a downturn, and turn size into economics.
Which competitive defenses are measured for LendingTree, Inc.?
The Corporate Default template measures 6 defenses, and TREE scores: Pricing Power (80), Cost Advantage (64), Customer Stickiness (76), Capital Efficiency (72), Resilience (68), Scale & Market Position (64). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.
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