Lendingtree (TREE) AI Stock Analysis

• Market Cap: $856.16M
• Dividend Yield: N/A
• Average Volume (3M): 215.88K
• Price to Earnings (P/E): ―
• Beta (1Y): 2.01
• Revenue Growth: 51.65%
• EPS Growth: 58.63%
• Country: US
• Employees: 927
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Conglomerates
• EPS (TTM): 0.65
• Shares Outstanding: 13,620,161
• 10 Day Avg. Volume: 244,416
• 30 Day Avg. Volume: 215,875
• PEG Ratio: 0.18
• Price to Book (P/B): 4.72
• Price to Sales (P/S): 0.57
• P/FCF Ratio: 10.07
• Enterprise Value/Market Cap: 1.07
• Enterprise Value/Revenue: 0.91
• Enterprise Value/Gross Profit: 0.95
• Enterprise Value/Ebitda: 10.66
• 1Y Price Target: $72.80
• Price Target Upside: 18.47% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6

• Rating: 53 Neutral
• Price Target: $58.00 ▼(-5.61% Downside)

LendingTree's overall score reflects a mixed outlook. The most significant factor is the strong performance and positive guidance from the recent earnings call, which suggests potential for future growth. However, financial performance and valuation remain concerns due to high leverage and ongoing profitability issues. Technical indicators also suggest bearish momentum, which tempers the positive sentiment from the earnings call.

Positive Factors

Revenue Growth

Strong revenue growth across all segments indicates robust demand for LendingTree's services, supporting long-term business expansion and market position.

AI Integration

AI integration is expected to enhance operational efficiency and customer experience, providing a competitive edge and supporting sustainable growth.

Segment Performance

Strong performance in key segments like Consumer and Insurance reflects effective strategy execution and potential for continued profitability improvements.

Negative Factors

High Leverage

High leverage poses a risk to financial stability, potentially limiting the company's ability to invest in growth opportunities and increasing vulnerability to economic downturns.

Profitability Challenges

Ongoing profitability issues could hinder long-term financial health, affecting the company's ability to reinvest in its business and reward shareholders.

Leadership Change

The sudden leadership change introduces uncertainty, potentially impacting strategic direction and execution, which could affect the company's long-term stability and growth.

Lendingtree Business Overview & Revenue Model

Company Description

LendingTree, Inc. (TREE) is a leading online marketplace that connects consumers with multiple lenders, offering a variety of financial products including mortgages, personal loans, auto loans, and credit cards. Founded in 1996 and headquartered in Charlotte, North Carolina, LendingTree operates primarily in the financial services sector, providing consumers with tools to compare loan offers from various lenders, thereby facilitating informed borrowing decisions. The company's platform enables users to receive multiple loan offers after filling out a single application, streamlining the lending process.

How the Company Makes Money

LendingTree generates revenue primarily through a performance-based model, earning money from lenders when consumers engage with their services. The company charges lenders a fee for every lead generated through its platform, which includes completed loan applications and consumer inquiries. Key revenue streams include mortgage leads, personal loan leads, and credit card leads. Additionally, LendingTree may offer advertising services to lenders, adding another layer of revenue. Significant partnerships with various financial institutions and lenders enhance its offerings and contribute to its earnings by providing a wide range of options for consumers, which in turn attracts more users to the platform.

Lendingtree Financial Statement Overview

Summary

LendingTree faces profitability challenges with consistent negative net income and high leverage. Despite strong operational cash flow and gross margins, the high debt-to-equity ratio and negative return on equity indicate financial instability.

Income Statement

LendingTree has demonstrated fluctuating revenue growth with a recent increase in the TTM period, recovering from a decline in the prior year. However, consistent negative net income and low EBIT margins indicate profitability challenges. The gross profit margin remains strong, reflecting operational efficiency, but overall profitability needs improvement.

Balance Sheet

The company exhibits a high debt-to-equity ratio, indicating significant leverage, which poses a risk in the financial structure. The equity ratio has weakened over the years, reflecting reduced shareholder equity relative to assets. Return on equity is negative, highlighting ongoing profitability issues affecting shareholder returns.

Cash Flow

LendingTree shows a positive trend in operating cash flow, with a favorable operating cash flow to net income ratio, indicating strong cash generation relative to earnings. Free cash flow has shown growth, but the cash flow from financing activities is volatile, which could impact long-term cash stability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.01B	900.22M	672.50M	984.99M	1.10B	909.99M
Gross Profit	973.10M	864.15M	633.74M	927.22M	1.04B	855.50M
EBITDA	86.34M	73.12M	21.86M	16.49M	47.58M	53.25M
Net Income	-53.98M	-41.70M	-122.40M	-187.95M	69.11M	-48.26M
Balance Sheet
Total Assets	835.76M	767.67M	802.76M	1.20B	1.30B	1.19B
Cash, Cash Equivalents and Short-Term Investments	149.13M	106.59M	112.05M	298.85M	251.23M	169.93M
Total Debt	563.46M	544.09M	611.15M	912.76M	740.32M	703.77M
Total Liabilities	717.65M	658.85M	678.63M	991.37M	851.36M	824.23M
Stockholders Equity	118.11M	108.82M	124.13M	207.94M	447.99M	364.76M
Cash Flow
Free Cash Flow	77.33M	51.04M	55.04M	31.52M	99.51M	-3.58M
Operating Cash Flow	89.17M	62.26M	67.57M	42.97M	134.57M	38.57M
Investing Cash Flow	-11.90M	-11.22M	-12.48M	-27.88M	10.07M	-122.15M
Financing Cash Flow	5.03M	-56.50M	-242.01M	32.67M	-56.96M	193.29M

Lendingtree Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 61.45
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 61.45 is above the 20-day moving average (MA) of 60.00, below the 50-day MA of 65.97, and above the 200-day MA of 49.03, indicating a neutral trend. The MACD of -1.45 indicates Negative momentum. The RSI at 49.11 is Neutral, neither overbought nor oversold. The STOCH value of 84.03 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TREE.

Lendingtree Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
YRD	―	$508.93M	2.87	13.64%	7.31%	12.69%	-35.36%
WDH	―	$643.76M	10.80	9.11%	2.56%	9.50%	69.82%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LDI	―	$1.18B	-10.23	-23.67%	―	6.60%	44.77%
HIPO	―	$923.03M	-87.54	-3.27%	―	43.15%	94.09%
TREE	―	$856.16M	―	-40.91%	―	51.65%	58.63%
OPRT	―	$250.85M	―	-1.26%	―	-5.87%	94.07%

Lendingtree Corporate Events

LendingTree Appoints New Leadership After CEO’s Passing

On October 13, 2025, LendingTree announced the unexpected passing of its Founder, Chairman, and CEO, Doug Lebda, due to an all-terrain vehicle accident on October 12, 2025. In response, the Board appointed Scott Peyree as the new President and CEO, while Steve Ozonian was named Chairman of the Board. The company expressed its commitment to upholding Doug Lebda’s legacy and continuing his mission of consumer empowerment in the financial services industry.

The most recent analyst rating on (TREE) stock is a Buy with a $78.00 price target. To see the full list of analyst forecasts on Lendingtree stock, see the TREE Stock Forecast page.

LendingTree Secures $475 Million Loan Facility

On August 21, 2025, LendingTree, Inc. entered into a $475 million first lien term loan facility with Bank of America and Truist Securities. This facility, which includes $400 million in initial term loans and $75 million in revolving loans, is intended to refinance existing facilities and support general corporate purposes. The agreement imposes financial covenants and is secured by a lien on the company’s assets, impacting its financial strategy and stakeholder interests.

The most recent analyst rating on (TREE) stock is a Hold with a $67.00 price target. To see the full list of analyst forecasts on Lendingtree stock, see the TREE Stock Forecast page.

LendingTree’s Earnings Call Highlights Strong Growth and AI Focus

LendingTree Inc. recently held its earnings call, revealing a robust financial performance and a positive outlook for the future. The sentiment during the call was overwhelmingly positive, with significant growth in revenue and profitability across all business segments. The integration of AI into operations was highlighted as a major opportunity, despite some technical issues earlier in the year that have since been resolved. Overall, the positive aspects significantly outweighed the negative ones.

LendingTree Inc. Reports Strong Q2 2025 Growth

LendingTree Inc. is a leading online marketplace that connects consumers with lenders and insurance carriers, operating primarily in the financial services sector. The company leverages its data-driven platform to offer a wide range of financial products, including loans and insurance policies.