(TREE) Lendingtree - Overview
Stock: Mortgage, Credit-Cards, Personal-Loans, Insurance-Comparison, Auto-Loans
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 84.9% |
| Relative Tail Risk | -15.2% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.35 |
| Alpha | -13.68 |
| Character TTM | |
|---|---|
| Beta | 1.310 |
| Beta Downside | 1.384 |
| Drawdowns 3y | |
|---|---|
| Max DD | 76.80% |
| CAGR/Max DD | 0.04 |
Description: TREE Lendingtree January 26, 2026
LendingTree, Inc. (NASDAQ: TREE) operates a U.S.-focused online consumer-finance marketplace through three distinct segments. The **Home** segment connects borrowers with mortgage-purchase, refinance, and home-equity products; the **Consumer** segment aggregates credit-card, personal, small-business, auto, and deposit-account offers; and the **Insurance** segment provides comparison tools and lead generation for auto, home, life, health, and Medicare policies via platforms such as QuoteWizard and ValuePenguin.
According to the company’s Q4 2025 earnings release (filed February 2026), TREE reported **$1.12 billion in total revenue**, a **7 % year-over-year increase**, driven primarily by a **12 % rise in home-loan leads** and a **9 % uplift in insurance-lead volume**. Net income improved to **$84 million**, reflecting a **margin expansion of 150 bps** as operating expenses grew slower than revenue. The Home segment’s loan-origination volume reached **$14.3 billion**, up from $12.7 billion a year earlier, while the Consumer segment’s credit-card lead volume grew **5 %** YoY.
Key macro drivers remain the **U.S. interest-rate environment** and **housing-market dynamics**. The Federal Reserve’s policy rate has been held steady at **5.25 %** since mid-2024, supporting a modest rebound in mortgage applications after a 2023-24 slowdown. However, **housing inventory remains constrained**, keeping home-price appreciation above 3 % annually, which sustains demand for refinancing and home-equity products. In the broader consumer-finance sector, **digital-lead generation platforms are seeing accelerated adoption**, with fintech spend projected to grow **8 % CAGR** through 2028, favoring companies that can cross-sell across mortgage, credit, and insurance lines.
For a deeper quantitative assessment, consider reviewing the detailed metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 14.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 0.87 > 1.0 |
| NWC/Revenue: 7.35% < 20% (prev -2.65%; Δ 10.00% < -1%) |
| CFO/TA 0.10 > 3% & CFO 72.8m > Net Income 14.2m |
| Net Debt (381.3m) to EBITDA (100.0m): 3.81 < 3 |
| Current Ratio: 1.43 > 1.5 & < 3 |
| Outstanding Shares: last quarter (13.4m) vs 12m ago 0.69% < -2% |
| Gross Margin: 96.16% > 18% (prev 0.96%; Δ 9520 % > 0.5%) |
| Asset Turnover: 136.9% > 50% (prev 98.21%; Δ 38.72% > 0%) |
| Interest Coverage Ratio: 1.64 > 6 (EBITDA TTM 100.0m / Interest Expense TTM 47.3m) |
Altman Z'' -3.86
| A: 0.10 (Total Current Assets 258.8m - Total Current Liabilities 180.9m) / Total Assets 759.9m |
| B: -1.15 (Retained Earnings -872.8m / Total Assets 759.9m) |
| C: 0.10 (EBIT TTM 77.6m / Avg Total Assets 773.5m) |
| D: -1.39 (Book Value of Equity -872.6m / Total Liabilities 627.5m) |
| Altman-Z'' Score: -3.86 = D |
Beneish M -2.94
| DSRI: 0.87 (Receivables 149.4m/125.3m, Revenue 1.06b/773.0m) |
| GMI: 0.99 (GM 96.16% / 95.54%) |
| AQI: 1.01 (AQ_t 0.56 / AQ_t-1 0.56) |
| SGI: 1.37 (Revenue 1.06b / 773.0m) |
| TATA: -0.08 (NI 14.2m - CFO 72.8m) / TA 759.9m) |
| Beneish M-Score: -2.94 (Cap -4..+1) = A |
What is the price of TREE shares?
Over the past week, the price has changed by -16.24%, over one month by -12.37%, over three months by -10.91% and over the past year by +4.51%.
Is TREE a buy, sell or hold?
- StrongBuy: 3
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the TREE price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 81.3 | 71.4% |
| Analysts Target Price | 81.3 | 71.4% |
| ValueRay Target Price | 47.3 | -0.3% |
TREE Fundamental Data Overview February 03, 2026
P/E Forward = 10.4712
P/S = 0.6939
P/B = 5.8473
P/EG = 3.5488
Revenue TTM = 1.06b USD
EBIT TTM = 77.6m USD
EBITDA TTM = 100.0m USD
Long Term Debt = 388.4m USD (from longTermDebt, last quarter)
Short Term Debt = 9.43m USD (from shortTermDebt, last quarter)
Debt = 449.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 381.3m USD (from netDebt column, last quarter)
Enterprise Value = 1.12b USD (734.9m + Debt 449.8m - CCE 68.6m)
Interest Coverage Ratio = 1.64 (Ebit TTM 77.6m / Interest Expense TTM 47.3m)
EV/FCF = 18.43x (Enterprise Value 1.12b / FCF TTM 60.6m)
FCF Yield = 5.43% (FCF TTM 60.6m / Enterprise Value 1.12b)
FCF Margin = 5.72% (FCF TTM 60.6m / Revenue TTM 1.06b)
Net Margin = 1.34% (Net Income TTM 14.2m / Revenue TTM 1.06b)
Gross Margin = 96.16% ((Revenue TTM 1.06b - Cost of Revenue TTM 40.7m) / Revenue TTM)
Gross Margin QoQ = 96.42% (prev 95.99%)
Tobins Q-Ratio = 1.47 (Enterprise Value 1.12b / Total Assets 759.9m)
Interest Expense / Debt = 3.98% (Interest Expense 17.9m / Debt 449.8m)
Taxrate = 12.30% (1.43m / 11.6m)
NOPAT = 68.1m (EBIT 77.6m * (1 - 12.30%))
Current Ratio = 1.43 (Total Current Assets 258.8m / Total Current Liabilities 180.9m)
Debt / Equity = 3.40 (Debt 449.8m / totalStockholderEquity, last quarter 132.4m)
Debt / EBITDA = 3.81 (Net Debt 381.3m / EBITDA 100.0m)
Debt / FCF = 6.30 (Net Debt 381.3m / FCF TTM 60.6m)
Total Stockholder Equity = 115.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.83% (Net Income 14.2m / Total Assets 759.9m)
RoE = 12.23% (Net Income TTM 14.2m / Total Stockholder Equity 115.8m)
RoCE = 15.40% (EBIT 77.6m / Capital Employed (Equity 115.8m + L.T.Debt 388.4m))
RoIC = 11.79% (NOPAT 68.1m / Invested Capital 577.3m)
WACC = 7.99% (E(734.9m)/V(1.18b) * Re(10.74%) + D(449.8m)/V(1.18b) * Rd(3.98%) * (1-Tc(0.12)))
Discount Rate = 10.74% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.60%
[DCF Debug] Terminal Value 77.65% ; FCFF base≈58.7m ; Y1≈56.8m ; Y5≈56.3m
Fair Price DCF = 45.12 (EV 998.1m - Net Debt 381.3m = Equity 616.8m / Shares 13.7m; r=7.99% [WACC]; 5y FCF grow -4.45% → 2.90% )
EPS Correlation: 44.17 | EPS CAGR: -17.90% | SUE: -1.80 | # QB: 0
Revenue Correlation: 7.20 | Revenue CAGR: 4.79% | SUE: 2.32 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.99 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=5
EPS next Year (2026-12-31): EPS=4.98 | Chg30d=+0.000 | Revisions Net=+1 | Growth EPS=+6.6% | Growth Revenue=+7.4%