LendingTree, Inc. TREE R2K
Financial Services · Financial Conglomerates · United States
LendingTree, Inc., through its subsidiary, operates online consumer platform in the United States. The company operates through three segments: Home, Consumer, and Insurance. The Home segments offer 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 services. The Insurance segment includes information, tools, and access to insurance quote products, including automobile, home, life, and health and Medicare through which consumers are matched with insurance lead aggregators to obtain insurance offers and policies. This segment also offers QuoteWizard, a marketplace for insurance comparison; and ValuePenguin, a personal finance website that offers consumers objective analysis on various financial topics. The company was formerly known as Tree.com, Inc. and changed its name to LendingTree, Inc. in January 2015. LendingTree, Inc. was incorporated in 1996 and is based in Charlotte, North Carolina.
READ MORE ›$38.20
+9.08% 1Y
Market & Price
Market Cap
$533.01M
Current Price
$38.20
High / Low (52W)
$76.51 / $33.24
Beta
2.15
Valuation
Stock P/E
2.96
Industry PE
12.01
Forward P/E
5.63
PEG Ratio
3.55
Book Value
$20.83
Price to Book
1.83
P/S
0.44
EV/EBITDA
7.73
Dividend Yield
-
Profitability & Returns
ROCE
11.43%
ROE
88.60%
ROA
8.02%
Profit Margin
15.02%
Op Margin
9.80%
EPS (Latest Qtr)
$1.22
EPS (TTM)
$12.92
Balance Sheet & Liquidity
Debt/Equity
1.44
Quick Ratio
1.76
Current Ratio
1.89
Debt
$437.85M
Total Assets
$855.69M
Current Assets
$229.71M
Working Capital
$92.24M
Ownership
Promoter Holding
21.31%
Chg in Prom Hold
-
FII / Inst Holding
80.45%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
$885.34M
Total Revenue (TTM)
$1.20B
EBITDA
$114.50M
Free Cash Flow
$61.71M
Operating Cash Flow
$84.86M
Shares Outstanding
13.95M
Gross Margin
96.32%
Payout Ratio
0.00%
Growth (CAGR)
Revenue 5Y
4.29%
Profit 5Y
60.17%
Revenue (YoY)
36.50%
Earnings (YoY)
-
PROS
- Strong return on equity of 88.6%.
- Profit CAGR of 60.2% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 50.1% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | TREE LendingTree, Inc. R2K | 38.20 | 2.96 | $533.01M | - | 11.43% | 88.60% | 4.29% | 60.17% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
Ad space
Quarterly Results
Figures in USD.
| Metric | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 55.14M | 69.80M | 78.34M | 94.71M | 94.29M | 94.56M | 100.84M | 132.51M | 152.77M | 171.49M | 160.95M | 181.03M | 184.10M | 197.06M | 202.67M | 262.39M | 278.42M | 310.61M | 255.19M | 283.08M | 184.33M | 220.25M | 272.75M | 270.01M | 297.45M | 283.18M | 261.92M | 237.84M | 200.51M | 182.45M | 155.19M | 167.77M | 210.14M | - | - | 239.73M | 250.12M | 307.79M | 319.69M | 327.27M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 9.91M | 10.03M | 11.02M | 11.57M | 11.70M |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 106.52M | 104.13M | 123.65M | - | 109.22M | 88.33M | 83.86M | 96.35M | 105.60M | 112.94M | 99.46M | 93.77M | 92.27M | 79.96M | 78.51M | 69.07M | 70.52M | 72.49M | - | - | 229.82M | 240.09M | 296.77M | 308.12M | 315.57M |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 220.92M | 218.81M | 267.86M | 285.11M | 283.50M |
| Operating Income | 6.78M | 7.77M | 8.25M | 11.85M | 12.71M | 14.15M | 13.40M | 6.88M | 8.97M | 17.45M | -175.00K | 15.35M | 18.12M | 20.29M | 2.43M | -1.80M | 12.32M | 31.19M | 9.02M | 20.75M | -7.55M | -16.12M | -1.91M | 10.55M | 7.42M | -2.94M | -3.90M | -18.58M | -13.01M | 6.61M | -33.99M | 7.18M | 9.59M | - | - | 8.90M | 21.28M | 28.91M | 23.01M | 32.07M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 14.51M | 26.83M | 34.78M | 42.37M | 37.55M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 17.91M | - | - |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -14.80M | 10.77M | 11.59M | 13.47M | 22.92M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -2.43M | 1.91M | 1.43M | -131.19M | 5.65M |
| Net Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 19.05M | 6.60M | -4.46M | -10.83M | -8.04M | -158.68M | 13.46M | -115.00K | -148.47M | 1.02M | 7.75M | - | - | -12.38M | 8.86M | 10.16M | 144.66M | 17.27M |
| Diluted EPS | 0.38 | 0.49 | 2.47 | 0.44 | 0.62 | 0.52 | 0.57 | 0.51 | 0.54 | 0.66 | -0.64 | 2.12 | 3.01 | 1.86 | -0.24 | -0.04 | 0.82 | 0.29 | 0.13 | 1.02 | -2.29 | -1.89 | 1.35 | 0.48 | -0.34 | -0.84 | -0.63 | -12.44 | 1.04 | -0.01 | -11.43 | 0.08 | 0.58 | - | - | -0.92 | 0.65 | 0.73 | 10.27 | 1.22 |
| R&D Expense | 2.39M | 2.67M | - | 3.88M | 3.78M | 3.72M | - | 3.62M | 4.06M | 4.80M | - | 6.26M | 5.97M | 6.61M | - | 10.17M | 10.18M | 10.20M | - | 10.96M | 10.81M | 11.48M | 12.47M | 13.29M | 13.38M | 14.05M | 14.32M | 14.04M | 14.65M | 10.60M | 10.84M | 11.86M | 10.37M | 11.19M | - | 11.90M | 11.47M | 11.30M | - | 11.47M |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 59.92M | 54.62M | 77.44M | 139.24M | 167.35M | 254.22M | 384.40M | 617.74M | 764.87M | 1.11B | 909.99M | - | 984.99M | 672.50M | 900.22M | 1.12B |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | 57.77M | 38.76M | 36.07M | 42.52M |
| Gross Profit | - | - | - | - | - | - | - | 251.39M | 305.14M | 432.32M | 369.47M | - | 927.22M | 633.74M | 864.15M | 1.07B |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | 955.58M | 625.25M | 815.22M | 992.69M |
| Operating Income | -33.08M | -61.11M | -2.85M | -1.11M | -969.00K | 28.51M | 52.11M | 33.13M | 56.19M | 50.73M | -6.60M | - | -28.35M | 8.49M | 48.93M | 82.11M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | 17.05M | 35.26M | 73.12M | 103.76M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | 46.87M | 26.01M | - | - | - |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | -54.93M | -124.92M | -37.38M | 21.02M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | 133.02M | -2.52M | 4.32M | -130.28M |
| Net Income | - | - | - | - | - | - | - | - | - | - | -48.26M | - | -187.95M | -122.40M | -41.70M | 151.31M |
| Diluted EPS | -1.65 | -5.41 | 4.36 | 0.36 | 0.84 | 3.83 | 2.15 | 1.14 | 6.85 | 1.22 | -3.71 | - | -14.69 | -9.46 | -3.14 | 10.78 |
| R&D Expense | 3.40M | 3.20M | 3.53M | 5.26M | 7.46M | 10.48M | 13.76M | 17.93M | 26.96M | 39.95M | 43.64M | 52.87M | 55.55M | 47.20M | 46.36M | 45.25M |
Compounded Sales Growth
| 5 Years: | 4.29% |
| 1 Year: | 36.50% |
Compounded Profit Growth
| 5 Years: | 60.17% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | +9.08% |
| 6 Months: | -31.01% |
| 3 Months: | +2.22% |
| 1 Month: | -21.04% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Jan 2022 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | 282.80M | 331.34M | 143.17M | 152.64M | 139.89M | 295.78M | 323.43M | 693.46M | 896.12M | 947.97M | 1.19B | - | - | 1.20B | 802.76M | 767.67M | 855.69M |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 413.97M | 196.48M | 238.46M | 229.71M |
| Cash & Equivalents | 86.09M | 68.82M | 45.54M | 80.19M | 91.67M | 86.21M | 206.97M | 91.13M | 368.55M | 105.10M | 60.24M | 169.93M | - | - | 298.85M | 112.05M | 106.59M | 81.07M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 83.06M | 54.95M | 97.79M | 110.58M |
| Total Liabilities | - | 180.98M | 285.87M | 60.25M | 65.64M | 43.52M | 54.64M | 91.99M | 398.58M | 549.91M | 545.64M | 824.23M | - | - | 991.37M | 678.63M | 658.85M | 568.89M |
| Current Liabilities | - | 151.33M | 280.32M | 54.37M | 60.20M | 38.64M | 54.03M | 66.71M | 147.52M | 261.95M | 230.71M | 111.84M | - | - | 82.53M | 75.63M | 240.48M | 137.46M |
| Long Term Debt | - | - | - | - | - | - | - | 0 | 238.20M | 250.94M | 264.39M | 611.41M | - | 564.22M | 813.52M | 525.62M | 344.12M | 387.69M |
| Total Debt | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 912.76M | 611.15M | 544.09M | 439.61M |
| Total Equity | 121.50M | 101.82M | 45.47M | 82.92M | 87.01M | 96.37M | 241.14M | 231.44M | 294.87M | 346.21M | 402.33M | 364.76M | - | - | 207.94M | 124.13M | 108.82M | 286.80M |
| Shares Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 16.17M | 16.40M | 16.75M | 17.12M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2010 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | - | - | - | - | - | - | - | - | - | - | - | 42.97M | 67.57M | 62.26M | 73.10M |
| Investing Cash Flow | - | - | - | - | - | - | -74.44M | -383.04M | -101.06M | -122.15M | - | -27.88M | -12.48M | -11.22M | -9.93M |
| Financing Cash Flow | - | - | - | - | - | - | 253.12M | 4.84M | -87.68M | 193.29M | - | 32.54M | -242.01M | -56.50M | -88.70M |
| Capital Expenditure | - | - | - | - | - | - | - | - | - | - | - | -11.44M | -12.53M | -11.22M | -12.42M |
| Free Cash Flow | - | - | - | - | - | - | - | - | - | - | - | 31.52M | 55.04M | 51.04M | 60.68M |
| Net Change in Cash | - | - | - | - | - | - | - | - | - | - | - | 47.63M | -186.91M | -5.46M | -25.52M |
| Share Buybacks | 8.53M | 879.00K | 3.32M | 2.61M | 218.00K | 48.52M | 19.90M | 93.70M | 5.47M | 0 | 40.01M | 43.01M | 0 | 0 | - |
| Dividends Paid | - | 11.43M | -144.00K | 229.00K | 131.00K | 0 | 0 | - | - | - | - | - | - | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | 40.7% | 39.9% | 39.1% | 40.6% | - | 94.1% | 94.2% | 96.0% | 96.2% |
| Operating Margin % | -55.2% | -111.9% | -3.7% | -0.8% | -0.6% | 11.2% | 13.6% | 5.4% | 7.3% | 4.6% | -0.7% | - | -2.9% | 1.3% | 5.4% | 7.3% |
| Net Margin % | - | - | - | - | - | - | - | - | - | - | -5.3% | - | -19.1% | -18.2% | -4.6% | 13.5% |
| ROE % | - | - | - | - | - | - | - | - | - | - | -13.2% | - | -90.4% | -98.6% | -38.3% | 52.8% |
| ROCE % | -25.2% | -119.8% | -3.2% | -1.2% | -1.0% | 11.8% | 20.3% | 6.1% | 8.9% | 7.1% | -0.6% | - | -2.5% | 1.2% | 9.3% | 11.4% |
Shareholding Pattern
Insiders
21.31%
Institutions
80.45%
Public Float
102.24%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 7.81% | 1.09M | $41.64M |
| 2 | Jennison Associates LLC | 7.31% | 1.02M | $38.97M |
| 3 | Punch & Associates Investment Management, Inc. | 4.64% | 647.04K | $24.72M |
| 4 | Ameriprise Financial, Inc. | 3.98% | 554.72K | $21.19M |
| 5 | Vanguard Capital Management LLC | 3.43% | 478.02K | $18.26M |
| 6 | Divisadero Street Capital Management, LP | 3.36% | 469.27K | $17.93M |
| 7 | Millennium Management Llc | 2.64% | 368.12K | $14.06M |
| 8 | Emerald Advisers, LLC | 2.43% | 339.67K | $12.98M |
| 9 | Jacobs Levy Equity Management, Inc. | 2.30% | 320.68K | $12.25M |
| 10 | Geode Capital Management, LLC | 1.99% | 277.93K | $10.62M |
Analyst View
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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