LendingTree, Inc. (TREE) AI Stock Analysis

LendingTree, Inc. operates online consumer finance platforms in the United States through its subsidiary, LT Intermediate Company, LLC. Founded in 1996 and based in Charlotte, North Carolina, the company conducts business across three primary segments: Home, Consumer, and Insurance. The Home segment features mortgage products, home equity loans, and real estate brokerage services. The Consumer segment offers credit cards, personal loans, small business loans, student loans, auto loans, and deposit accounts. The Insurance segment provides an online marketplace for home and auto insurance quotes. LendingTree also runs subsidiary platforms including Student Loan Hero, QuoteWizard.com, ValuePenguin, and consumer investing platform Stash.

LendingTree's revenue increased at a 5-year compound annual growth rate of 4.2% from FY2020 to FY2025. After revenue fell 10.3% to $985.0M in FY2022 and 31.7% to $672.5M in FY2023, it rebounded 33.9% to $900.2M in FY2024 and 24.1% to $1.12B in FY2025. Operating margin improved from -6.0% in FY2023 to 5.0% in FY2024 and 7.3% in FY2025. Following consecutive net losses of -$188.0M in FY2022, -$122.4M in FY2023, and -$41.7M in FY2024, net income reached $151.3M in FY2025. In the latest quarter ended June 30, 2026, quarterly revenue grew 25.3% year-over-year, while quarterly earnings grew 4.6%.

As of June 30, 2026, LendingTree held $110.8M in cash and short-term investments against $432.3M in total debt, resulting in net debt of $321.5M. The company's current ratio stood at 1.85, and its debt-to-equity ratio was 1.35 on shareholders' equity of $320.8M. Total assets were $911.6M. In FY2025, operating cash flow was $73.1M and free cash flow was $60.7M, while capital expenditures totaled $12.4M. Over the past five years, the company's share count increased by 3.7%.

At a last close of $25.39, LendingTree trades at a trailing price-to-earnings multiple of 2.0x and a forward P/E of 3.5x, compared to medians of 12.1x and 10.8x for its US-listed Financial Services peers. Its enterprise value to EBITDA ratio is 5.1x, below the peer median of 11.7x, while its price-to-sales ratio is 0.3x versus the peer median of 3.2x. Over the past year, TREE declined 56.4%, while the S&P 500 (SPY) gained 16.8%. Over five years, the stock fell 83.5% compared to an 83.0% gain for the benchmark.

Wall Street coverage consists of 3 Strong Buy and 3 Buy recommendations, with no Hold, Sell, or Strong Sell ratings. The mean price target is $56.00, representing a 120.6% premium over the last close of $25.39. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $1.31B and EPS of $5.34, representing expected EPS growth of 57.9%. For the next fiscal year, 3 analysts project revenue of $1.40B and EPS of $6.62. The company beat EPS estimates in 2 of the past 4 quarters, and its next earnings date is October 29, 2026.

This page is an AI-written research summary of LendingTree, Inc. (TREE). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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