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LendingTree, Inc. (TREE) stock analysis

TREENasdaqLoan BrokersFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 7/30
$36.84+1.49 (+4.21%)

Close on Nov 11, 2026Market cap $517.22MP/E 5.6Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value2Growth0Performance2Health3Dividend0

Weak7 of 30 checks passed

LendingTree passes 7 of the 30 checks behind our score; 11 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
2/6
Growth
0/6
Past performance
2/6
Financial health
3/6
Dividend
0/6

What stands out

  • Debt covered by cash flow

    Operating cash flow over the last twelve months equals 28.1% of total debt.

  • P/E below its 5-year median

    LendingTree's P/E of 5.6 is below its own 5-year median of 16.0.

  • P/E below the industry

    LendingTree's P/E of 5.6 is below the Non-depository Credit Institutions median of 8.6.

  • Return on equity above the industry

    LendingTree's return on equity of 51.4% is above the Non-depository Credit Institutions median of -9.9%.

What to watch

  • Return on equity under 15%

    Return on equity was 51.4% over the last twelve months and averaged -14.7% over five years; we look for 15% on both.

  • Return on capital under 10%

    Return on invested capital was 0.8%, below the 10% that usually covers the cost of capital.

  • High debt

    Debt is 131% of shareholders' equity, above the 40% we consider low.

  • Revenue growing under 10% a year

    Revenue grew 4.3% a year over the last three fiscal years, short of the 10% we look for.

Valuation2/6

  • P/E below its 5-year median

    LendingTree's P/E of 5.6 is below its own 5-year median of 16.0.

  • P/E below the industry

    LendingTree's P/E of 5.6 is below the Non-depository Credit Institutions median of 8.6.

  • EV/EBITDA above its 5-year median

    LendingTree's EV/EBITDA of 35.7 is above its 5-year median of 18.9.

  • P/B above the industry

    LendingTree's price-to-book of 2.04 is above the Non-depository Credit Institutions median of 1.00.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth0/6

  • Revenue growing under 10% a year

    Revenue grew 4.3% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing slower than the industry

    Revenue grew 23.1% over the last twelve months; the Non-depository Credit Institutions median is 33.7%.

  • Guidance lowered

    LendingTree lowered its Full-year 2026 Revenue outlook on Jul 29, 2026.

  • Gross margin slipping

    Gross margin was 29.1% over the last twelve months, against 32.7% a year earlier.

Past performance2/6

  • Return on equity under 15%

    Return on equity was 51.4% over the last twelve months and averaged -14.7% over five years; we look for 15% on both.

  • Return on capital under 10%

    Return on invested capital was 0.8%, below the 10% that usually covers the cost of capital.

  • Return on equity above the industry

    LendingTree's return on equity of 51.4% is above the Non-depository Credit Institutions median of -9.9%.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin above its 5-year average

    Net margin was 7.6% over the last twelve months, against a 5-year average of -4.4%.

  • Net margin below the industry

    LendingTree's net margin of 7.6% is below the Non-depository Credit Institutions median of 10.7%.

Financial health3/6

  • High debt

    Debt is 131% of shareholders' equity, above the 40% we consider low.

  • Debt falling against equity

    Debt to equity fell from 168% five years ago to 131%.

  • Debt covered by cash flow

    Operating cash flow over the last twelve months equals 28.1% of total debt.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term assets cover short-term debts

    Current assets are 1.57 times current liabilities.

  • Elevated bankruptcy risk

    The Altman Z-score is 1.01; above 3 is the safe zone and below 1.8 the distress zone.

Dividend0/6

  • No dividend

    LendingTree has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for LendingTree. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 16.0
  • Non-depository Credit Institutions median 8.6

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Medium risk

Average value traded per day
$10.78M
Value traded per 1% price move
$4.26M

Downside

High risk

Typical loss in a bad month
40.9%
Volatility (annualized)
75%
Sharpe ratio, 1 year
-0.47
Beta to the S&P 500 (5Y)
2.06

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Gross margin

31.5%−9.1 pts over 5 years

Operating margin

5.8%+6.5 pts over 5 years

Net margin

13.5%+18.8 pts over 5 years

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