Financial Services · Financial - Conglomerates
Price
$36.17
Market Cap
$504.7M
Employees
927
Beta
2.16
Avg Volume
355,480
CEO
Scott Peyree
Business Description
LendingTree, Inc., through its subsidiary, LT Intermediate Company, LLC, operates online consumer platform in the United States. It operates through three segments: Home, Consumer, and Insurance. The Home segment offers purchase mortgage, refinance mortgage, reverse mortgage, and home equity loans; lines of credit; and real estate brokerage services. The Consumer segment provides credit cards; personal, small business, student, and auto loans; deposit accounts; and other credit products, such as credit repair and debt settlement services. The Insurance segment includes information, tools, and access to insurance quote products, including home and automobile, through which consumers are matched with insurance lead aggregators to obtain insurance offers. LendingTree, Inc. also operates Student Loan Hero, a personal finance website dedicated to helping student loan borrowers manage their student debt; QuoteWizard.com, a marketplace for insurance comparison; ValuePenguin, a personal finance website that offers consumers objective analysis on various financial topics from insurance to credit cards; and Stash, a consumer investing and banking platform that offers a suite of personal investment accounts, traditional and Roth IRAs, custodial investment accounts, and banking services, including checking accounts and debit cards with a Stock-Back rewards program. The company was formerly known as Tree.com, Inc. and changed its name to LendingTree, Inc. in January 2015. LendingTree, Inc. was incorporated in 1996 and is headquartered in Charlotte, North Carolina.
Business History
Price Overview
Last updated: May 14, 2026 3:14am (just now)$36.17
-1.60 (-4.24%)
Day Range
$35.41 – $38.00
52-Week Range
$32.65 – $77.35
50-Day MA
$42.96
200-Day MA
$53.67
Volume
343,359.00
Analyst Price Targets
Low
$60.00
Consensus
$69.00
High
$78.00
(14 analysts)
Share Structure
Outstanding
13,953,000.00
Float
11,309,980.00
Free Float
81.1%
High free float
— 81.1% of shares trade freely, ~18.9% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
2.76
Stock Price: $36.17
EPS (Diluted): 11.14
EPS (Diluted): 11.14
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
2.51
Stock Price: $36.17
Total Equity: $286.80M
Shares: 14,062,000
Total Equity: $286.80M
Shares: 14,062,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
6.10
Market Cap: $504.68M
Total Debt: $391.62M
Cash: $81.07M
EBITDA: $103.76M
Total Debt: $391.62M
Cash: $81.07M
EBITDA: $103.76M
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$1.1B
Market Cap: $504.68M
Total Debt: $391.62M
Cash: $81.07M
Total Debt: $391.62M
Cash: $81.07M
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
94.3%
Gross Profit: $1.05B
Revenue: $1.12B
Revenue: $1.12B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
7.3%
Operating Income: $82.11M
Revenue: $1.12B
Revenue: $1.12B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
13.5%
Net Income: $151.31M
Revenue: $1.12B
Revenue: $1.12B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
86.0%
Net Income: $151.31M
Total Equity: $286.80M
Total Equity: $286.80M
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
14.0%
Operating Income: $82.11M
Tax Rate: -619.7%
Equity: $286.80M
Total Debt: $391.62M
Cash: $81.07M
Tax Rate: -619.7%
Equity: $286.80M
Total Debt: $391.62M
Cash: $81.07M
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
1.75
Current Assets: $240.71M
Current Liabilities: $137.46M
Current Liabilities: $137.46M
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
1.37
Short-Term Debt: $3.93M
Long-Term Debt: $387.69M
Total Debt: $391.62M
Total Equity: $286.80M
Long-Term Debt: $387.69M
Total Debt: $391.62M
Total Equity: $286.80M
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$79.46
Revenue: $1.12B
Shares: 14,062,000
Shares: 14,062,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$20.40
Total Equity: $286.80M
Shares: 14,062,000
Shares: 14,062,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$4.32
Operating CF: $73.10M
CapEx: -$12.42M
Shares: 14,062,000
CapEx: -$12.42M
Shares: 14,062,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
0.0%
Last Dividend: N/A
Stock Price: $36.17
Stock Price: $36.17
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $151.31M
Net Income: $151.31M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares TREE against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: May 11, 2026 1:55pm (2d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $1.1B | $985.0M | $672.5M | $900.2M | $1.1B |
| Cost of Revenue | $57.3M | $57.8M | $38.8M | $36.1M | $64.2M |
| Gross Profit | $1.0B | $927.2M | $633.7M | $864.1M | $1.1B |
| Operating Expenses | $1.0B | $960.0M | $674.4M | $819.5M | $971.0M |
| Operating Income | $8.0M | -$32.8M | -$40.6M | $44.6M | $82.1M |
| Net Income | $69.1M | -$188.0M | -$122.4M | -$41.7M | $151.3M |
| EBITDA | $60.9M | $17.0M | $35.3M | $73.1M | $103.8M |
| EPS | $5.24 | $-14.69 | $-9.46 | $-3.14 | $11.14 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: May 11, 2026 1:55pm (2d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $251.2M | $298.8M | $112.1M | $106.6M | $81.1M |
| Total Current Assets | $374.4M | $414.0M | $196.5M | $238.5M | $240.7M |
| Total Assets | $1.3B | $1.2B | $802.8M | $767.7M | $855.7M |
| Current Liabilities | $274.4M | $82.5M | $75.6M | $240.5M | $137.5M |
| Long-Term Debt | $478.2M | $813.5M | $525.6M | $344.1M | $387.7M |
| Total Liabilities | $851.4M | $991.4M | $678.6M | $658.9M | $568.9M |
| Total Equity | $448.0M | $207.9M | $124.1M | $108.8M | $286.8M |
| Retained Earnings | -$571.8M | -$715.3M | -$837.7M | -$879.4M | -$728.1M |
Cash Flow (Annual)
Last updated: May 11, 2026 1:55pm (2d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $124.9M | $43.0M | $67.6M | $62.3M | $73.1M |
| Capital Expenditure | -$35.1M | -$11.4M | -$12.5M | -$11.2M | -$12.4M |
| Free Cash Flow | $89.8M | $31.5M | $55.0M | $51.0M | $60.7M |
| Acquisitions (net) | $0 | $0 | $0 | $0 | $2.5M |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$40.0M | -$43.0M | $0 | $0 | $0 |
| Net Change in Cash | $81.3M | $47.6M | -$186.9M | -$5.5M | -$25.5M |
Analyst Estimates (Annual)
Last updated: May 14, 2026 3:14am (just now)| Metric | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|
| Revenue |
$1.4B $1.4B – $1.4B
|
$1.6B $1.6B – $1.6B
|
$1.7B $1.7B – $1.7B
|
$1.8B $1.8B – $1.9B
|
| EBITDA |
$84.7M $83.5M – $85.9M
|
$93.3M $93.3M – $93.3M
|
$102.9M $102.0M – $104.3M
|
$110.6M $109.6M – $112.1M
|
| Net Income |
$94.3M $93.1M – $95.4M
|
$107.4M $96.7M – $118.2M
|
$118.8M $117.5M – $120.9M
|
$134.2M $132.6M – $136.5M
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: May 11, 2026 1:55pm (2d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | -10.3% | -31.7% | +33.9% | +24.1% |
| Gross Profit Growth | -10.9% | -31.7% | +36.4% | +21.9% |
| Operating Income Growth | -507.9% | -24.0% | +209.9% | +84.0% |
| Net Income Growth | -371.9% | +34.9% | +65.9% | +462.8% |
| EBITDA Growth | -72.0% | +106.8% | +107.4% | +41.9% |
Insider Trading (Recent)
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-03-10 | Peyree Scott | M-Exempt | 5,000.00 | $0.00 | $0 |
| 2026-03-10 | Peyree Scott | F-InKind | 1,968.00 | $42.65 | $83,935 |
| 2026-03-10 | Peyree Scott | M-Exempt | 7,499.00 | $0.00 | $0 |
| 2026-03-10 | Peyree Scott | F-InKind | 2,962.00 | $42.65 | $126,329 |
| 2026-03-10 | Peyree Scott | M-Exempt | 5,000.00 | $0.00 | $0 |
| 2026-03-10 | Peyree Scott | M-Exempt | 7,499.00 | $0.00 | $0 |
| 2026-03-10 | Smith Ian Malcolm | M-Exempt | 3,333.00 | $0.00 | $0 |
| 2026-03-10 | Smith Ian Malcolm | F-InKind | 989.00 | $42.65 | $42,181 |
| 2026-03-10 | Smith Ian Malcolm | M-Exempt | 3,333.00 | $0.00 | $0 |
| 2026-03-10 | Olmstead Jill | M-Exempt | 9,999.00 | $0.00 | $0 |
| 2026-03-10 | Olmstead Jill | F-InKind | 3,689.00 | $42.65 | $157,336 |
| 2026-03-10 | Olmstead Jill | M-Exempt | 9,999.00 | $0.00 | $0 |
| 2026-03-10 | Shumate Carla | M-Exempt | 4,166.00 | $0.00 | $0 |
| 2026-03-10 | Shumate Carla | F-InKind | 1,185.00 | $42.65 | $50,540 |
| 2026-03-10 | Shumate Carla | M-Exempt | 4,166.00 | $0.00 | $0 |
| 2026-03-10 | Enlow-Novitsky Heather | M-Exempt | 5,666.00 | $0.00 | $0 |
| 2026-03-10 | Enlow-Novitsky Heather | M-Exempt | 5,666.00 | $0.00 | $0 |
| 2026-03-10 | Enlow-Novitsky Heather | F-InKind | 1,612.00 | $42.65 | $68,752 |
| 2026-03-10 | Bengel Jason | M-Exempt | 6,666.00 | $0.00 | $0 |
| 2026-03-10 | Bengel Jason | F-InKind | 1,896.00 | $42.65 | $80,864 |
Dividend History (Last 20)
Last updated: May 11, 2026 1:55pm (2d ago)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2012-12-13 | $1.00 | 2012-12-06 | 2012-12-17 | 2012-12-26 |
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.207 · 22a3a690 · 2026-05-13 17:39:54