📊 TREE Key Takeaways
Is LendingTree, Inc. (TREE) a Good Investment?
LendingTree demonstrates exceptional profitability metrics (52.8% ROE, 17.7% ROA) with strong 24% revenue growth and a substantial 462% earnings rebound. However, moderate leverage (1.35x Debt/Equity) and tight interest coverage (2.5x) present financial flexibility constraints that warrant monitoring of debt sustainability.
Why Buy LendingTree, Inc. Stock? TREE Key Strengths
- Exceptional return metrics: 52.8% ROE and 17.7% ROA significantly exceed industry benchmarks
- Strong revenue growth of 24.1% YoY with 13.5% net margin demonstrating operational profitability
- Healthy liquidity position with 1.67x current ratio and positive free cash flow generation of $60.7M
- Significant earnings growth of 462.8% YoY with diluted EPS reaching $10.78
TREE Stock Risks: LendingTree, Inc. Investment Risks
- Moderate to high leverage with 1.35x Debt/Equity ratio and $387.7M long-term debt against $81.1M cash
- Tight interest coverage ratio of 2.5x limits financial flexibility and vulnerability to rate increases or earnings decline
- Thin operating margin of 5.8% suggests limited pricing power and operational cost pressures
- Exceptional earnings growth (462.8% YoY) likely reflects rebound conditions rather than sustainable trend; sustainability questionable
Key Metrics to Watch
- Interest coverage ratio trending toward 3.0x+ for improved debt service capacity
- Operating margin expansion toward 7-8% to strengthen operational efficiency
- Debt/Equity reduction toward 1.0x through debt paydown or equity growth
- Free cash flow sustainability and capital allocation discipline
- Revenue growth sustainability and market share trends in lending marketplace
LendingTree, Inc. (TREE) Financial Metrics & Key Ratios
💡 AI Analyst Insight
LendingTree, Inc. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
TREE Profit Margin, ROE & Profitability Analysis
TREE vs Finance Sector: How LendingTree, Inc. Compares
How LendingTree, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is LendingTree, Inc. Stock Overvalued? TREE Valuation Analysis 2026
Based on fundamental analysis, LendingTree, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
LendingTree, Inc. Balance Sheet: TREE Debt, Cash & Liquidity
TREE Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: LendingTree, Inc.'s revenue has shown modest growth of 1% over the 5-year period. The most recent EPS of $-9.46 indicates the company is currently unprofitable.
TREE Revenue Growth, EPS Growth & YoY Performance
TREE Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $260.8M | $1.0M | $0.48 |
| Q2 2025 | $210.1M | $1.0M | $-0.26 |
| Q1 2025 | $167.8M | $1.0M | $0.08 |
| Q3 2024 | $155.2M | -$115.0K | $-3.72 |
| Q2 2024 | $182.5M | -$115.0K | $-0.01 |
| Q1 2024 | $167.8M | $1.0M | $0.08 |
| Q3 2023 | $155.2M | -$115.0K | $-10.46 |
| Q2 2023 | $182.5M | -$115.0K | $-0.01 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
LendingTree, Inc. Dividends, Buybacks & Capital Allocation
TREE SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for LendingTree, Inc. (CIK: 0001434621)
📋 Recent SEC Filings
❓ Frequently Asked Questions about TREE
What is the AI rating for TREE?
LendingTree, Inc. (TREE) has an AI rating of BUY with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are TREE's key strengths?
Claude: Exceptional return metrics: 52.8% ROE and 17.7% ROA significantly exceed industry benchmarks. Strong revenue growth of 24.1% YoY with 13.5% net margin demonstrating operational profitability.
What are the risks of investing in TREE?
Claude: Moderate to high leverage with 1.35x Debt/Equity ratio and $387.7M long-term debt against $81.1M cash. Tight interest coverage ratio of 2.5x limits financial flexibility and vulnerability to rate increases or earnings decline.
What is TREE's revenue and growth?
LendingTree, Inc. reported revenue of $1.1B.
Does TREE pay dividends?
LendingTree, Inc. does not currently pay dividends.
Where can I find TREE SEC filings?
Official SEC filings for LendingTree, Inc. (CIK: 0001434621) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is TREE's EPS?
LendingTree, Inc. has a diluted EPS of $10.78.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is TREE a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, LendingTree, Inc. has a BUY rating with 78% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is TREE stock overvalued or undervalued?
Valuation metrics for TREE: ROE of 52.8% (sector avg: 12%), net margin of 13.5% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy TREE stock in 2026?
Our dual AI analysis gives LendingTree, Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is TREE's free cash flow?
LendingTree, Inc.'s operating cash flow is $73.1M, with capital expenditures of $12.4M. FCF margin is 5.4%.
How does TREE compare to other Finance stocks?
Vs Finance sector averages: Net margin 13.5% (avg: 25%), ROE 52.8% (avg: 12%), current ratio 1.67 (avg: 1.2).
Why is TREE's return on equity (ROE) so high?
LendingTree, Inc. has a return on equity of 52.8%, significantly above the Finance sector average of 12%. A high ROE indicates the company is efficient at generating profits from shareholder equity. This is supported by a 13.5% net margin.