A Business at a Glance
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LendingTree, Inc.
TREE
$547M
Mkt Cap
$39.00
-1.14%
LendingTree, Inc. (TREE) has a 5-year average return on invested capital (ROIC) of -1.5%. This is below average and may indicate limited pricing power.
LendingTree, Inc. (TREE) has a market capitalization of $544M. 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 $1.1 billion in its most recent fiscal year, based on SEC EDGAR filings.
LendingTree, Inc. (TREE) has a net profit margin of 13.5%. This is a healthy margin.
LendingTree, Inc. (TREE) generated $61 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
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 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.2B | 1.1B | 900M | 673M | 985M | 1.1B |
| Net Income | 181M | 151M | -42M | -122M | -188M | 69M |
| EPS | $13.14 | $10.78 | $-3.14 | $-9.46 | $-14.69 | $5.05 |
| Free Cash Flow | 73M | 61M | 51M | 55M | 32M | 96M |
| ROIC | 52.0% | 26.8% | -7.6% | -14.6% | -19.3% | 7.3% |
| Gross Margin | 31.0% | 31.5% | 34.4% | 43.1% | 37.5% | 37.4% |
| Debt/Equity | 1.28 | 1.37 | 4.31 | 4.26 | 4.73 | 1.44 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 103M | 65M | 45M | -41M | -33M | 8.0M |
| Operating Margin | 8.6% | 5.8% | 5.0% | -6.0% | -3.3% | 0.7% |
| ROE | 59.4% | 76.5% | -35.8% | -73.7% | -57.3% | 17.0% |
| Shares Outstanding | 14M | 14M | 13M | 13M | 13M | 14M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 167M | 254M | 384M | 618M | 765M | 1.1B | 910M | 1.1B | 985M | 673M | 900M | 1.1B | 1.2B |
| Gross Margin | 21.3% | 28.3% | 28.1% | 40.7% | 39.9% | 39.1% | 40.6% | 37.4% | 37.5% | 43.1% | 34.4% | 31.5% | 31.0% |
| R&D | 7.5M | 10M | 14M | 18M | 27M | 40M | 44M | 53M | 56M | 47M | 46M | 45M | 45M |
| SG&A | 26M | 30M | 37M | 72M | 101M | 117M | 129M | 153M | 152M | 118M | 109M | 113M | 110M |
| EBIT | -969K | 29M | 52M | 33M | 56M | 51M | -6.6M | 8.0M | -33M | -41M | 45M | 65M | 103M |
| Op. Margin | -0.6% | 11.2% | 13.6% | 5.4% | 7.3% | 4.6% | -0.7% | 0.7% | -3.3% | -6.0% | 5.0% | 5.8% | 8.6% |
| Net Income | 9.4M | 48M | 27M | 16M | 96M | 18M | -48M | 69M | -188M | -122M | -42M | 151M | 181M |
| Net Margin | 5.6% | 18.9% | 7.2% | 2.5% | 12.6% | 1.6% | -5.3% | 6.3% | -19.1% | -18.2% | -4.6% | 13.5% | 15.0% |
| Non-Recurring | 91K | -326K | -518K | -436K | 142K | 1.7M | -865K | -3.4M | -2.2M | 43M | -2.1M | 1.7M | 1.8M |
| Returns on Capital | |||||||||||||
| ROIC | 10.2% | 28.5% | 11.6% | 4.1% | 17.1% | 2.8% | -5.9% | 7.3% | -19.3% | -14.6% | -7.6% | 26.8% | 52.0% |
| ROE | 10.2% | 28.5% | 11.6% | 5.9% | 30.1% | 4.8% | -12.6% | 17.0% | -57.3% | -73.7% | -35.8% | 76.5% | 59.4% |
| ROA | 6.4% | 22.1% | 8.9% | 3.1% | 12.1% | 1.9% | -4.5% | 5.6% | -15.0% | -12.2% | -5.3% | 18.6% | 20.9% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 9.1M | 37M | 64M | 104M | 124M | 157M | 111M | 131M | 43M | 68M | 62M | 73M | 85M |
| Free Cash Flow | 5.2M | 30M | 32M | 95M | 109M | 137M | 69M | 96M | 32M | 55M | 51M | 61M | 73M |
| Owner Earnings | -1.6M | 26M | 50M | 73M | 72M | 94M | 43M | 45M | -37M | 8.8M | 15M | 27M | 45M |
| CapEx | 3.9M | 7.2M | 32M | 8.0M | 15M | 20M | 42M | 35M | 11M | 13M | 11M | 12M | 12M |
| Maint. CapEx | 3.2M | 3.0M | 4.9M | 7.1M | 7.4M | 11M | 14M | 18M | 20M | 19M | 18M | 16M | 16M |
| Growth CapEx | 611K | 4.2M | 27M | 955K | 7.5M | 9.0M | 28M | 17M | 0 | 0 | 0 | 0 | 0 |
| D&A | 3.2M | 3.0M | 4.9M | 7.1M | 7.4M | 11M | 14M | 18M | 20M | 19M | 18M | 16M | 16M |
| CapEx/OCF | 42.5% | 22.2% | 49.8% | 7.8% | 12.0% | 12.8% | 37.9% | 26.7% | 26.6% | 18.5% | 18.0% | N/A | 13.9% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 229K | 131K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | 0.1% | 0.0% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 2.6M | 218K | 49M | 20M | 94M | 5.5M | 0 | 40M | 43M | 0 | 0 | 0 | 0 |
| Buyback Yield | 0.5% | 0.0% | 3.8% | 0.4% | 3.0% | 0.1% | N/A | 2.4% | 17.9% | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 7.4M | 8.5M | 9.6M | 23M | 44M | 52M | 54M | 69M | 60M | 40M | 29M | 29M | 24M |
| Debt Repayment | 0 | 1.2M | 8K | 10M | 583K | 2.5M | 234M | 6.4M | 170M | 1.6M | 4.3M | 5.1M | 5.1M |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | -91M | -130M | 271M | 279M | 441M | 393M | 684M | 417M | 362M | 311M | 305M |
| Cash & Equiv. | 86M | 207M | 91M | 369M | 105M | 60M | 170M | 251M | 299M | 112M | 107M | 81M | 86M |
| Long-Term Debt | N/A | N/A | 0 | 238M | 251M | 264M | 611M | 478M | 814M | 526M | 344M | 388M | 387M |
| Debt/Equity | 0.45 | 0.23 | 0.00 | 0.81 | 1.09 | 0.84 | 1.68 | 1.44 | 4.73 | 4.26 | 4.31 | 1.37 | 1.28 |
| Interest Coverage | -484.5 | 166.7 | 92.9 | 4.7 | 4.5 | 2.5 | -0.2 | 0.2 | -1.3 | -1.9 | 1.2 | 1.7 | 1.7 |
| Equity | 96M | 241M | 231M | 295M | 346M | 402M | 365M | 448M | 208M | 124M | 109M | 287M | 305M |
| Total Assets | 140M | 296M | 323M | 693M | 896M | 948M | 1.2B | 1.3B | 1.2B | 803M | 768M | 856M | 864M |
| Total Liabilities | 44M | 55M | 92M | 399M | 550M | 546M | 824M | 851M | 991M | 679M | 659M | 569M | 559M |
| Intangibles | 11M | 11M | 72M | 81M | 206M | 182M | 129M | 86M | 58M | 51M | 43M | 38M | 37M |
| Retained Earnings | -798M | -750M | -723M | -708M | -610M | -593M | -641M | -572M | -715M | -838M | -879M | -728M | -711M |
| Working Capital | 81M | 192M | 74M | 291M | -28M | -41M | 185M | 100M | 331M | 121M | -2.0M | 0 | 0 |
| Current Assets | 120M | 246M | 141M | 438M | 234M | 189M | 296M | 374M | 414M | 196M | 238M | 0 | 0 |
| Current Liabilities | 39M | 54M | 67M | 148M | 262M | 231M | 112M | 274M | 83M | 76M | 240M | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 0.84 | 3.83 | 2.15 | 1.14 | 6.85 | 1.22 | -3.71 | 5.05 | -14.69 | -9.46 | -3.14 | 10.78 | 13.14 |
| Owner EPS | -0.14 | 2.05 | 3.88 | 5.35 | 5.12 | 6.43 | 3.33 | 3.27 | -2.87 | 0.68 | 1.16 | 1.94 | 3.22 |
| Book Value | 8.65 | 19.22 | 18.10 | 21.58 | 24.58 | 27.53 | 28.04 | 32.73 | 16.25 | 9.59 | 8.19 | 20.43 | 21.84 |
| Cash Flow/Share | 0.81 | 2.96 | 5.02 | 7.58 | 8.80 | 10.76 | 8.56 | 9.59 | 3.36 | 5.22 | 4.69 | 5.21 | 14.14 |
| Dividends/Share | 0.02 | 0.01 | 0.00 | 0.00 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 11.1M | 12.5M | 12.8M | 13.7M | 14.1M | 14.6M | 13.0M | 13.7M | 12.8M | 12.9M | 13.3M | 14.0M | 14.0M |
| Valuation | |||||||||||||
| P/E Ratio | 57.1 | 23.5 | 47.0 | 300.8 | 32.2 | 241.3 | N/A | 24.1 | N/A | N/A | N/A | N/A | 3.0 |
| P/FCF | 102.4 | 37.7 | 40.0 | 49.1 | 28.5 | 31.4 | 51.6 | 17.3 | 7.6 | 7.3 | 10.2 | N/A | 7.4 |
| EV/EBIT | N/A | N/A | 23.0 | 137.5 | 60.1 | 90.3 | N/A | 256.1 | N/A | N/A | 19.8 | N/A | 8.2 |
| Price/Book | 5.5 | 4.7 | 5.6 | 15.9 | 9.0 | 10.7 | 9.8 | 3.7 | 1.2 | 3.3 | 4.8 | N/A | 1.8 |
| Price/Sales | 2.2 | 3.9 | 3.0 | 4.2 | 5.1 | 4.5 | 4.1 | 2.5 | 0.8 | 0.4 | 0.7 | N/A | 0.5 |
| FCF Yield | 1.0% | 2.7% | 2.5% | 2.0% | 3.5% | 3.2% | 1.9% | 5.8% | 13.1% | 13.6% | 9.8% | N/A | 13.4% |
| Market Cap | 535M | 1.1B | 1.3B | 4.7B | 3.1B | 4.3B | 3.6B | 1.7B | 240M | 404M | 521M | 0 | 544M |
| Avg. Price | 32.41 | 78.26 | 89.45 | 189.74 | 275.55 | 338.64 | 285.25 | 201.85 | 64.43 | 23.03 | 44.30 | 0.00 | 39.00 |
| Year-End Price | 47.96 | 90.04 | 100.95 | 342.95 | 220.52 | 294.39 | 274.22 | 121.59 | 18.79 | 31.25 | 39.25 | 0.00 | 39.00 |
LendingTree, Inc. passes 2 of 9 quality checks, indicating weak fundamentals.
On a free-cash-flow basis, the stock trades at 10.1x vs a median of 28.5x. The company's 5-year average gross margin is 36.8%. At current prices, the estimated annualized return to fair value is -12.2%.
LendingTree, Inc. (TREE) has a debt-to-equity ratio of 1.37. This indicates moderate leverage.
LendingTree, Inc. (TREE) reported earnings per share (EPS) of $10.78 in its most recent fiscal year.
LendingTree, Inc. (TREE) has a return on equity (ROE) of 76.5%. This indicates the company generates strong returns for shareholders.
LendingTree, Inc. (TREE) has a 5-year average gross margin of 36.8%. This indicates decent pricing power.
The Ledger Terminal provides 16 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 $20.43, based on its most recent annual SEC filing.