LendingTree vs UWM
TREE and UWMC side by side, both in non-depository credit institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How TREE and UWMC compare
UWM is the larger company, worth 4.1 times as much as LendingTree ($2.0B against $496M).
LendingTree grew revenue faster over the last twelve months (23.1% versus 20.8% for UWM).
LendingTree keeps more of each dollar of sales as profit, with a net margin of 7.6% compared with 0.55% at UWM.
UWM pays a dividend yielding 23.6%; LendingTree does not pay one.
UWM scores higher on the StockData Score (9 against 7 for LendingTree), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | TREE | UWMC |
|---|---|---|
| Size and price | ||
| Market cap | $496M | $2.0B |
| Share price | $35.31 | $1.27 |
| Change, 1 year | −32.2% | −76.8% |
| Change, 5 years | −72.4% | −80.3% |
| Beta (5Y) | 2.04 | 1.00 |
| Employees | 926 | 2,200 |
| StockData Score | ||
| Total score | 7 | 9 (better) |
| Valuation score | 2 (better) | 1 |
| Growth score | 0 | 1 (better) |
| Performance score | 2 (better) | 0 |
| Health score | 3 | 4 (better) |
| Dividend score | 0 | 3 (better) |
| Valuation | ||
| P/E | 5.4× | – |
| P/S | 0.4× (better) | 0.6× |
| P/B | 2.0× | – |
| EV/EBITDA | 34.7× | 17.3× (better) |
| P/FCF | 6.1× | – |
| FCF yield | 16.4% (better) | −89.2% |
| Growth | ||
| Revenue growth (TTM) | 23.1% (better) | 20.8% |
| Revenue growth, 5Y average | 4.2% (better) | −8.5% |
| Net income growth (TTM) | 600% (better) | 16.3% |
| EPS growth (TTM) | 545% | – |
| Profitability | ||
| Gross margin | 29.1% | – |
| Operating margin | 0.37% | – |
| Net margin | 7.6% (better) | 0.55% |
| FCF margin | 6.2% (better) | −51.3% |
| Return on equity | 51.4% | – |
| Return on invested capital | 0.80% | – |
| Financial health | ||
| Debt / equity | 1.31 | – |
| Net debt / EBITDA | 11.58 | – |
| Current ratio | 1.57 | – |
| Altman Z-score | 0.99 (better) | 0.28 |
| Piotroski F-score | 5 (better) | 3 |
| Dividends and buybacks | ||
| Dividend yield | – | 23.6% |
| Payout ratio | – | 598% |
| Shareholder yield | 0.00% | 23.6% (better) |
| Ownership | ||
| Held by institutions | 81.4% | 17.1% |
| Held by insiders | 25.6% | 93.9% |
| Insider net buying, 12 months | – | −$343M |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 9.2% | 90.0% |
Go deeper
- TREE stock overview
- TREE income statement
- TREE valuation and score
- UWMC stock overview
- UWMC income statement
- UWMC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.