LendingTree (TREE) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

LendingTree

NasdaqGS•Financial Services•Insurance Brokers

$26.40-0.41(-0.02%)Market open

Market Cap

$363.37M

P/E

2.0x

P/S

0.3x

P/B

1.1x

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.

How this company scores

GoodMetricSide Score: 72/100

Strongest: Growth (23/25); weakest: Balance Sheet & Red Flags (14/25).

Profitability18/25

Growth23/25

Balance Sheet & Red Flags14/25

Cash & Earnings Quality17/25

Strengths

Growing revenueHigh ROERising earningsCash-backed earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 2.0x5y range 2.0x – 143.6x

Currently below its 8-quarter median.

P/S · 0.3x5y range 0.3x – 1.7x

Currently below its 20-quarter median.

P/B · 1.1x5y range 1.1x – 8.2x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $363.37M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.27B
Q. Revenue: $313.42M
TTM EBITDA: $120.29M
TTM Op. Income: $103.91M
Q. Op. Income: $21.80M
TTM Net Income: $181.66M
Q. Net Income: $9.57M
EPS: $0.69
Shares Out.: $13.96M

$1.27B in TTM revenue grew 25.3% YoY, reaching $313.42M last quarter. TTM EBITDA of $120.29M and TTM operating income of $103.91M show growth is flowing through to the bottom line. TTM net income of $181.66M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 28.3%
EBITDA Margin: 8.3%
Op. Margin: 7.0%
Net Margin: 3.1%

Op. margin of 7.0% is down 1.4% YoY — costs are rising relative to revenue. Net margin at 3.1% and gross margin of 28.3% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 17% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 2.0x
P/S Ratio: 0.3x
P/B Ratio: 1.1x

At 2.0x P/E, the stock trades below typical market levels. P/S of 0.3x and P/B of 1.1x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 4 quarters, P/E has fallen for 3 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $911.63M
Cash: $110.77M
Long-Term Debt: $386.35M
Book Value: $320.77M
D/E Ratio: 1.2
Debt/EBITDA: 14.8

With $911.63M in assets and $386.35M in long-term debt, D/E is 1.2and book value is $320.77M — moderate leverage. Across the last 8 quarters, debt/equity has fallen for 5 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $29.16M
TTM Free Cash Flow: $73.88M
FCF Margin: 5.8%
FCF / Net Income: 0.4

TTM FCF of $73.88M on $29.16M in operating cash flow. The FCF / Net Income ratio of 0.4x means cash covers only part of net income — earnings quality needs attention. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.