LendingTree vs Upstart
TREE and UPST side by side. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How TREE and UPST compare
Upstart is the larger company, worth 3.9 times as much as LendingTree ($2.0B against $517M).
On earnings, LendingTree is cheaper: it trades at 5.6× trailing earnings, against 42.0× for Upstart.
Upstart grew revenue faster over the last twelve months (46.3% versus 23.1% for LendingTree).
LendingTree keeps more of each dollar of sales as profit, with a net margin of 7.6% compared with 4.8% at Upstart.
Upstart scores higher on the StockData Score (12 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 | UPST |
|---|---|---|
| Size and price | ||
| Market cap | $517M | $2.0B |
| Share price | $36.84 | $20.56 |
| Change, 1 year | −31.2% | −47.0% |
| Change, 5 years | −71.2% | −90.1% |
| Beta (5Y) | 2.06 | 3.19 |
| Employees | 926 | 1,405 |
| StockData Score | ||
| Total score | 7 | 12 (better) |
| Valuation score | 2 | 2 |
| Growth score | 0 | 1 (better) |
| Performance score | 2 | 5 (better) |
| Health score | 3 | 4 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 5.6× (better) | 42.0× |
| P/S | 0.4× (better) | 1.6× |
| P/B | 2.0× (better) | 2.5× |
| EV/EBITDA | 35.7× | 20.5× (better) |
| P/FCF | 6.4× | – |
| FCF yield | 15.7% (better) | −14.4% |
| Fair value | – | $22.63 |
| Margin of safety | – | 9.1% |
| Growth | ||
| Revenue growth (TTM) | 23.1% | 46.3% (better) |
| Revenue growth, 5Y average | 4.2% | 34.9% (better) |
| Net income growth (TTM) | 600% | – |
| EPS growth (TTM) | 545% | – |
| Profitability | ||
| Gross margin | 29.1% | – |
| Operating margin | 0.37% | 4.0% (better) |
| Net margin | 7.6% (better) | 4.8% |
| FCF margin | 6.2% (better) | −23.2% |
| Return on equity | 51.4% (better) | 7.9% |
| Return on invested capital | 0.80% | 21.7% (better) |
| Financial health | ||
| Debt / equity | 1.31 (better) | 0.00 |
| Net debt / EBITDA | 11.58 | – |
| Current ratio | 1.57 | – |
| Altman Z-score | 1.01 (better) | 0.80 |
| Piotroski F-score | 5 (better) | 4 |
| Dividends and buybacks | ||
| Shareholder yield | 0.00% | 0.00% |
| Ownership | ||
| Held by institutions | 81.4% | 60.0% |
| Held by insiders | 25.6% | 12.3% |
| Insider net buying, 12 months | – | $1.1M |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 9.2% | 31.0% |
Go deeper
- TREE stock overview
- TREE income statement
- TREE valuation and score
- UPST stock overview
- UPST income statement
- UPST valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.