Lendingtree (TREE) AI Stock Analysis

• Market Cap: $518.80M
• Dividend Yield: N/A
• Average Volume (3M): 264.14K
• Price to Earnings (P/E): ―
• Beta (1Y): 2.03
• Revenue Growth: 51.96%
• EPS Growth: 60.33%
• Country: US
• Employees: 927
• Sector: Financial
• Sector Strength: 81
• Industry: Financial - Conglomerates
• EPS (TTM): -0.92
• Shares Outstanding: 13,535,183
• 10 Day Avg. Volume: 244,824
• 30 Day Avg. Volume: 264,138
• PEG Ratio: 0.27
• Price to Book (P/B): 4.52
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 10.62
• Enterprise Value/Market Cap: 1.54
• Enterprise Value/Revenue: 0.24
• Enterprise Value/Gross Profit: 0.86
• Enterprise Value/Ebitda: 3.15
• 1Y Price Target: $62.60
• Price Target Upside: 61.55% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6

• Rating: 55 Neutral
• Price Target: $37.00 ▼(-4.52%Downside)

LendingTree's stock score is primarily impacted by its financial performance challenges, including profitability issues and high leverage, as well as bearish technical indicators. While the earnings call highlighted strong revenue growth and a positive outlook, regulatory and legal challenges pose risks. The supportive shareholder sentiment from the corporate events provides a cushion but does not fully offset the financial and technical concerns.

Positive Factors

Diversified marketplace model

Insurance advertising budgets remain healthy, and the home and consumer segments are performing well, showing that the diversified marketplace model is paying dividends.

Financial guidance

TREE established 2025 guidance with revenues and adj. EBITDA +12% Y/Y and +16% Y/Y at the midpoint, respectively.

Negative Factors

Earnings performance

TREE's 1Q results missed expectations on the top and bottom line, largely due to headwinds in the insurance vertical.

Market concerns

There could be some NT choppiness given the heightened macro concerns.

Lendingtree Business Overview & Revenue Model

Company Description

LendingTree, Inc., through its subsidiary, LT Intermediate Company, LLC, operates online consumer platform in the United States. It operates through three segments: Home, Consumer, and Insurance. The Home segment offers purchase mortgage, refinance mortgage, reverse mortgage, and home equity loans; lines of credit; and real estate brokerage services. The Consumer segment provides credit cards; personal, small business, student, and auto loans; deposit accounts; and other credit products, such as credit repair and debt settlement services. The Insurance segment includes information, tools, and access to insurance quote products, including home and automobile, through which consumers are matched with insurance lead aggregators to obtain insurance offers. LendingTree, Inc. also operates Student Loan Hero, a personal finance website dedicated to helping student loan borrowers manage their student debt; QuoteWizard.com, a marketplace for insurance comparison; ValuePenguin, a personal finance website that offers consumers objective analysis on various financial topics from insurance to credit cards; and Stash, a consumer investing and banking platform that offers a suite of personal investment accounts, traditional and Roth IRAs, custodial investment accounts, and banking services, including checking accounts and debit cards with a Stock-Back rewards program. 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 headquartered in Charlotte, North Carolina.

How the Company Makes Money

LendingTree makes money primarily through fees charged to lenders and other financial service providers who participate on its platform. The company operates a lead generation model where lenders pay LendingTree for access to qualified consumer leads. These fees are generally based on the type of loan product and the quality of the lead. Additionally, LendingTree earns revenue from advertising and sponsored listings on its platform, where financial institutions can pay for enhanced visibility to attract potential customers. Significant partnerships with banks, credit unions, and other financial institutions contribute to its earnings by expanding the range of products offered and maintaining a competitive marketplace.

Lendingtree Financial Statement Overview

Summary

LendingTree exhibits strong gross profit and operational cash flow generation. However, negative net income, high leverage, and a declining stockholder's equity are concerning. The financial strategy should focus on improving profitability and reducing debt.

Income Statement

Lendingtree's revenue shows a mixed trend with a decline in recent periods, but TTM revenue indicates some recovery. The gross profit margin remains strong, showing efficient cost management. However, the company struggles with profitability, reflected in negative net income and narrow EBIT and EBITDA margins, indicating high operational costs relative to revenue.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio, indicating considerable leverage. Stockholder's equity has decreased over time, suggesting potential risk. Nevertheless, the equity ratio is adequate, and there is some asset stability. The company's financial structure warrants caution due to high liabilities relative to equity.

Cash Flow

The cash flow statement shows strong operating cash flow relative to net income, suggesting good cash generation from operations. Free cash flow is positive, and there has been free cash flow growth, but the overall cash position is challenged by significant financing outflows. Although operating cash flow supports liquidity, cash management remains crucial.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	972.18M	900.22M	672.50M	984.99M	1.10B	909.99M
Gross Profit	934.74M	864.15M	633.74M	927.22M	1.04B	855.50M
EBITDA	75.36M	73.12M	21.86M	16.49M	47.58M	53.25M
Net Income	-55.09M	-41.70M	-122.40M	-187.95M	69.11M	-48.26M
Balance Sheet
Total Assets	777.10M	767.67M	802.76M	1.20B	1.30B	1.19B
Cash, Cash Equivalents and Short-Term Investments	126.39M	106.59M	112.05M	298.85M	251.23M	169.93M
Total Debt	455.39M	544.09M	611.15M	912.76M	740.32M	703.77M
Total Liabilities	673.36M	658.85M	678.63M	991.37M	851.36M	824.23M
Stockholders Equity	103.74M	108.82M	124.13M	207.94M	447.99M	364.76M
Cash Flow
Free Cash Flow	44.45M	51.04M	55.04M	31.52M	99.51M	-3.58M
Operating Cash Flow	56.27M	62.26M	67.57M	42.97M	134.57M	38.57M
Investing Cash Flow	-11.89M	-11.22M	-12.48M	-27.88M	10.07M	-122.15M
Financing Cash Flow	-148.82M	-56.50M	-242.01M	32.67M	-56.96M	193.29M

Lendingtree Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 38.75
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TREE, the sentiment is Neutral. The current price of 38.75 is above the 20-day moving average (MA) of 35.93, below the 50-day MA of 38.92, and below the 200-day MA of 45.07, indicating a neutral trend. The MACD of -0.08 indicates Negative momentum. The RSI at 59.17 is Neutral, neither overbought nor oversold. The STOCH value of 90.99 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for TREE.

Lendingtree Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EQBK	73 Outperform	$736.35M	10.66	11.84%	1.47%	40.27%	545.49%
CRD.B	68 Neutral	$528.80M	17.09	19.94%	2.68%	4.44%	33.61%
Sector *	67 Neutral	$16.86B	11.64	9.71%	3.83%	11.61%	-9.60%
CIFR	59 Neutral	$1.64B	―	-18.49%	―	-0.65%	-808.88%
TREE	55 Neutral	$518.80M	―	-46.84%	―	51.96%	60.33%
HIPO	55 Neutral	$704.40M	―	-15.58%	―	77.44%	85.53%
LDI	48 Neutral	$425.58M	―	-29.48%	―	3.76%	16.19%

Lendingtree Corporate Events

LendingTree Stockholders Approve Key Proposals at Annual Meeting

On June 11, 2025, LendingTree, Inc. held its Annual Meeting of Stockholders where 11,424,776 shares were represented, constituting a quorum. During the meeting, stockholders voted on three proposals: the election of nine directors, approval of executive compensation, and ratification of PricewaterhouseCoopers LLP as the independent registered public accounting firm for 2025. All proposals were approved, indicating strong support for the company’s leadership and strategic direction.

The most recent analyst rating on (TREE) stock is a Buy with a $65.00 price target. To see the full list of analyst forecasts on Lendingtree stock, see the TREE Stock Forecast page.