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TREE

NEUTRAL
$49.24 Live
LendingTree, Inc. · NASDAQ
Target $65.17 (+32.3%)
$32.65 52W Range $77.35
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 21, 2026
Market cap
$682.26M
P/E
4.57
ROE
76.5%
Profit margin
13.5%
Debt/Equity
1.53
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
75%
LendingTree presents a stark contrast between deep value and deteriorating operational health. While the stock trades significantly below its Graham Number ($71.08) and Intrinsic Value ($318.01) with a very low P/E of 4.57, the Piotroski F-Score of 3/9 indicates weak financial health. Recent earnings performance is volatile, highlighted by a significant miss in the most recent quarter (Actual $-0.39 vs Est $0.87), which offsets the strong YoY revenue growth. The bearish technical trend and weak health score suggest a value trap risk despite the 'Strong Buy' analyst consensus.

Key Strengths

Deep valuation discount with a P/E of 4.57 and P/S of 0.61
Strong YoY revenue growth of 22.20%
High Return on Equity (ROE) of 76.49%
Trading well below the Graham Number defensive fair value
Strong analyst consensus (Strong Buy) with a target price of $65.17

Key Risks

Weak operational health indicated by a Piotroski F-Score of 3/9
Recent earnings volatility with a -144.8% surprise in the latest quarter
Bearish technical trend (0/100 score)
High PEG ratio (3.55) suggesting growth is expensive relative to earnings
Moderate leverage with a Debt/Equity ratio of 1.53
AI Fair Value Estimate
Based on comprehensive analysis
$62.5
+26.9% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
42
Moderate
Value
90
Future
55
Past
40
Health
25
Dividend
0
AI Verdict
Speculative Value
Key drivers: Extreme valuation discount, Poor Piotroski health score, Recent EPS miss, Strong revenue growth
Confidence
80%
Value
90/100

Ref P/E, PEG, Graham Number

Positives
  • P/E 4.57 is significantly below sector average
  • Price is below Graham Number ($71.08)
  • Low Price/Sales ratio (0.61)
Watchpoints
  • High PEG ratio
Future
55/100

Ref Growth rates

Positives
  • 22.2% YoY Revenue growth
  • Positive analyst target price
Watchpoints
  • Recent Q/Q EPS growth of -122.9%
  • High earnings volatility
Past
40/100

Ref Historical trends

Positives
  • 1Y return of +15.8%
Watchpoints
  • 5Y change of -77.1%
  • Inconsistent earnings beat record
Health
25/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • Current ratio of 1.67 is healthy
Watchpoints
  • Piotroski F-Score 3/9 (Weak)
  • Debt/Equity of 1.53
Dividend
0/100

Ref Yield, Payout

Positives
No standout positives identified.
Watchpoints
  • No dividend paid
  • 0/100 dividend strength

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$49.24
Analyst Target
$65.17
Upside/Downside
+32.3%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for TREE and closest competitors.

Updated 2026-04-20
TRE
LendingTree, Inc.
Primary
5Y
-77.1%
3Y
+105.9%
1Y
+15.8%
6M
-15.4%
1M
+21.8%
1W
+13.6%
PGC
Peapack-Gladstone Financial Corporation
Peer
5Y
+26.1%
3Y
+40.1%
1Y
+50.1%
6M
+47.3%
1M
+14.5%
1W
-0.8%
BOE
BlackRock Enhanced Global Dividend Trust
Peer
5Y
+56.8%
3Y
+49.1%
1Y
+15.2%
6M
+8.2%
1M
+2.2%
1W
+0.4%
DGI
Donegal Group Inc.
Peer
5Y
+51.0%
3Y
+32.2%
1Y
+12.1%
6M
+7.2%
1M
+14.7%
1W
+1.8%
BHK
BlackRock Core Bond Trust
Peer
5Y
-14.3%
3Y
+11.3%
1Y
+0.6%
6M
+6.0%
1M
+1.2%
1W
-0.2%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
4.57
Forward P/E
7.07
PEG Ratio
3.55
P/B Ratio
2.36
P/S Ratio
0.61
EV/Revenue
0.93
EV/EBITDA
11.38
Market Cap
$682.26M

Profitability

Profit margins and return metrics

Profit Margin 13.54%
Operating Margin 7.2%
Gross Margin 96.19%
ROE 76.49%
ROA 6.32%

Growth

Revenue and earnings growth rates

Revenue Growth +22.2%
Earnings Growth +1746.8%
Q/Q Revenue Growth +22.24%
Q/Q Earnings Growth +1827.2%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
1.53
High debt
Current Ratio
1.67
Good
Quick Ratio
1.56
Excellent
Cash/Share
$5.85

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.3B
Gross Margin
96.4%
Op. Margin
7.2%
Net Margin
45.2%
Total Assets
$0.9B
Liabilities
$0.6B
Equity
$0.3B
Debt/Equity
1.98x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
82%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-30
$N/A
2026-03-02
$-0.39
-144.8% surprise
2025-10-30
$1.7
+46.8% surprise
2025-07-31
$1.13
+15.1% surprise

Financial Services Sector Comparison

Comparing TREE against 579 companies in the Financial Services sector (106 bullish, 239 neutral, 234 bearish)
P/E Ratio
4.57
This Stock
vs
41.68
Sector Avg
-89.0% (Discount)
Return on Equity (ROE)
76.49%
This Stock
vs
-0.24%
Sector Avg
-31583.6% (Below Avg)
Profit Margin
13.54%
This Stock
vs
47.47%
Sector Avg
-71.5% (Weaker)
Debt to Equity
1.53
This Stock
vs
1.36
Sector Avg
+12.9% (Higher)
Revenue Growth
22.2%
This Stock
vs
39.3%
Sector Avg
-43.5% (Slower)
Current Ratio
1.67
This Stock
vs
3.65
Sector Avg
-54.2% (Weaker)

Similar Companies

Peer comparison within the same industry

TREE LendingTree, Inc.
NEUTRAL
Mkt Cap
$682M
P/E
4.6
ROE
76.5%
Price
$49.24
PGC Peapack-Gladsto...
BULLISH
Mkt Cap
$681M
P/E
18.3
ROE
5.9%
Price
$38.48
 Compare with TREE
BOE BlackRock...
NEUTRAL
Mkt Cap
$679M
P/E
10.1
ROE
9.4%
Price
$11.9
 Compare with TREE
DGICB Donegal Group Inc.
NEUTRAL
Mkt Cap
$687M
P/E
8.1
ROE
13.4%
Price
$17.69
 Compare with TREE
BHK BlackRock Core...
BEARISH
Mkt Cap
$690M
P/E
16.5
ROE
6.0%
Price
$9.56
 Compare with TREE

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

SHUMATE CARLA
Officer
Stock Award
2026-03-10
4,166 shares
OLMSTEAD JILL E
Officer
Stock Award
2026-03-10
9,999 shares
PEYREE SCOTT
Chief Executive Officer
Stock Award
2026-03-10
12,499 shares
ENLOW-NOVITSKY HEATHER
General Counsel
Stock Award
2026-03-10
5,666 shares
BENGEL JASON
Chief Financial Officer
Stock Award
2026-03-10
6,666 shares
SMITH IAN MALCOLM
Chief Operating Officer
Stock Award
2026-03-10
3,333 shares
SHUMATE CARLA
Officer
Stock Award
2026-03-02
4,583 shares
OLMSTEAD JILL E
Officer
Stock Award
2026-03-02
13,750 shares
PEYREE SCOTT
Chief Executive Officer
Stock Award
2026-03-02
12,542 shares
ENLOW-NOVITSKY HEATHER
General Counsel
Stock Award
2026-03-02
4,271 shares
BENGEL JASON
Chief Financial Officer
Stock Award
2026-03-02
6,167 shares
SMITH IAN MALCOLM
Chief Operating Officer
Stock Award
2026-03-02
2,875 shares
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

10-K
10-K
2026-03-09

TREE filed its annual 10-K report on March 9, 2026, which includes sections on business operations, risk factors, and management's discussion and analysis. Specific financial highlights and risk details were not provided in the available excerpts.

8-K
8-K
2026-03-02

TREE filed an 8-K on March 2, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K
FORM 8-K
2026-02-13

The company filed an 8-K on February 13, 2026, likely to announce its quarterly or annual financial results.

8-K
CURRENT REPORT
2026-01-09
8-K
CURRENT REPORT
2025-11-21
10-Q
10-Q
2025-10-31

TREE filed its quarterly 10-Q report on October 31, 2025. While specific financial highlights were not provided in the excerpt, the filing includes a detailed section on Risk Factors under Item 1A.

8-K
8-K
2025-10-30

Tattooed Chef (TREE) filed an 8-K on October 30, 2025, likely to announce its third-quarter financial results.

8-K
CURRENT REPORT
2025-10-16
8-K
CURRENT REPORT
2025-08-21

The company filed a current report, likely announcing its second-quarter financial results.

10-Q
10-Q
2025-08-01

TripAdvisor (TREE) filed its quarterly 10-Q report on August 1, 2025. The filing includes a section on risk factors under Item 1A, although specific financial highlights and detailed risk descriptions were not provided in the available excerpt.

8-K
8-K
2025-07-31
8-K
8-K
2025-07-23
8-K
8-K
2025-06-13
10-Q
10-Q
2025-05-05
8-K
8-K
2025-05-01
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
STRONG_BUY
6 analysts
Keefe, Bruyette & Woods
2026-03-04
Maintains
Outperform Outperform
Needham
2026-03-03
Maintains
Buy Buy
Truist Securities
2025-11-03
Maintains
Buy Buy
JP Morgan
2025-10-31
Maintains
Overweight Overweight
Needham
2025-10-30
Maintains
Buy Buy

Past News Coverage

Recent headlines mentioning TREE from our newsroom.

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