A Business at a Glance
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Our Company LendingTree, Inc. (“LendingTree”, the “Company”, “we” or “us”) operates what we believe to be the leading online consumer platform that connects consumers with the choices they need to be confident in their financial decisions. Through multiple branded marketplaces, LendingTree empowers consumers to shop for financial services the same way they would shop for airline tickets or hotel stays, comparing multiple offers from a nationwide network of approximately 430 partners (which we refer to as “Network Partners”) in one simple search, and choose the option that best fits their financial needs. Services include mortgage loans, mortgage refinances, home equity loans and lines of credit, auto loans, credit cards, deposit accounts, personal loans, small business loans, insurance quotes, sales of insurance policies and other related offerings.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 1.1B | 900M | 673M | 985M | 1.1B | 910M |
| Net Income | 14M | -42M | -122M | -188M | 69M | -48M |
| EPS | $1.06 | $-3.14 | $-9.46 | $-14.69 | $5.05 | $-3.71 |
| Free Cash Flow | 0 | 51M | 55M | 32M | 96M | 69M |
| ROIC | 11.3% | 8.8% | -7.5% | -4.5% | 7.5% | -0.8% |
| Gross Margin | - | 96.0% | 94.2% | 94.1% | 94.8% | 94.0% |
| Debt/Equity | 2.96 | 4.31 | 4.26 | 3.92 | 1.44 | 1.68 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 61M | 45M | -41M | -33M | 8.0M | -6.6M |
| Operating Margin | 5.7% | 5.0% | -6.0% | -3.3% | 0.7% | -0.7% |
| ROE | 10.7% | -35.8% | -98.6% | -90.4% | 15.4% | -13.2% |
| Shares Outstanding | 14M | 13M | 13M | 13M | 14M | 13M |
LendingTree, Inc. passes 2 of 9 quality checks, indicating weak fundamentals.
On a free-cash-flow basis, the stock trades at 11.8x vs a median of 29.9x. The company's 5-year average ROIC is 0.7% with a gross margin of 94.6%. At current prices, the estimated annualized return to fair value is -12.5%.
LendingTree, Inc. (TREE) has a 5-year average return on invested capital (ROIC) of 0.7%. This is below average and may indicate limited pricing power.
LendingTree, Inc. (TREE) has a market capitalization of $619M. It is classified as a small-cap stock.
LendingTree, Inc. (TREE) does not currently pay a regular dividend.
LendingTree, Inc. (TREE) operates in the Loan Brokers industry, within the Financials sector.
LendingTree, Inc. (TREE) reported annual revenue of $900 million in its most recent fiscal year, based on SEC EDGAR filings.
LendingTree, Inc. (TREE) has a net profit margin of -4.6%. The company is currently unprofitable.
LendingTree, Inc. (TREE) generated $51 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
LendingTree, Inc. (TREE) has a debt-to-equity ratio of 4.31. This indicates higher leverage, which may increase financial risk.
LendingTree, Inc. (TREE) reported earnings per share (EPS) of $-3.14 in its most recent fiscal year.
LendingTree, Inc. (TREE) has a return on equity (ROE) of -35.8%. A negative ROE may indicate losses or negative equity.
LendingTree, Inc. (TREE) has a 5-year average gross margin of 94.6%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 15 years of financial data for LendingTree, Inc. (TREE), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
LendingTree, Inc. (TREE) has a book value per share of $8.19, based on its most recent annual SEC filing.