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TREELendingTree, Inc.
$45.14$625M
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TREE logoLendingTree, Inc.(TREE)Earnings, Financials & Key Ratios

TREE•NASDAQ
$45.14
4.2× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryFinancial ConglomeratesSub-IndustryConsumer finance and fintech marketplaces
AboutLendingTree, 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.Show more
  • EBITDA$104M+50.8%
  • Net Income$151M+462.8%
  • EPS (Diluted)10.78+443.3%
  • Gross Margin94.26%-1.8%
  • EBITDA Margin9.29%+21.5%
  • Operating Margin7.35%+48.2%
  • Net Margin13.54%+392.3%
  • ROE76.49%+313.6%

TREE Price & Volume

LendingTree, Inc. (TREE) stock price & volume — 10-year historical chart

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Cyclical Revenue Recovery Faces Persistent Leverage Constraints

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Strained
Cash Flow:Mixed
Primary Risk:Marketing spend efficiency volatility

Key Thesis Takeaways

  • LendingTree has demonstrated a robust revenue recovery, scaling from $134.4 million in 2023Q4 to $327.3 million by 2026Q1, yet the company remains tethered to high-cost marketing expenditures that create significant operating margin volatility.
  • While the asset-light model maintains gross margins near 96%, the reliance on debt financing and the concentration of $381.5 million in goodwill on the balance sheet present ongoing risks to long-term solvency.
  • Investors should monitor the company's ability to convert accounting profits into free cash flow, as the OCF/NI ratio has fluctuated wildly from 0.02 to 5.62 over the last ten quarters.

Verdict Logic

while the current P/E of 3.77 appears attractive, the extreme volatility in net income and the persistent debt-to-equity ratio of 1.41 warrant a cautious approach until cash flow conversion stabilizes.

TREE Growth Metrics

LendingTree, Inc. (TREE) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years15.96%
5 Years4.19%
3 Years4.29%
TTM-

Profit CAGR

10 Years12.16%
5 Years-
3 Years-
TTM428.43%

EPS CAGR

10 Years10.9%
5 Years-
3 Years-
TTM411.86%

Return on Capital

10 Years5.89%
5 Years2.72%
3 Years5.3%
Last Year13.19%

TREE Recent Earnings

LendingTree, Inc. (TREE) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
Apr 30, 2026
Metric
Actual
Est
EPS
$1.66+11.4%
$1.49
Rev
$327M+1.8%
$321M
Q2 2026
Mar 2, 2026
Metric
Actual
Est
EPS
$0.39-181.7%
$0.48
Rev
$320M+12.2%
$285M
Q4 2025
Oct 30, 2025
Metric
Actual
Est
EPS
$1.70+38.2%
$1.23
Rev
$308M+7.4%
$287M
Q3 2025
Jul 31, 2025
Metric
Actual
Est
EPS
$1.13+16.5%
$0.97
Rev
$250M-10.1%
$278M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 30, 2026
$1.66vs $1.49+11.4%
$327Mvs $321M+1.8%
Q2 2026Mar 2, 2026
$0.39vs $0.48-181.7%
$320Mvs $285M+12.2%
Q4 2025Oct 30, 2025
$1.70vs $1.23+38.2%
$308Mvs $287M+7.4%
Q3 2025Jul 31, 2025
$1.13vs $0.97+16.5%
$250Mvs $278M-10.1%
Based on last 12 quarters of dataView full earnings history →

Latest TREE News

Recent stock market news and headlines for LendingTree, Inc. (TREE)

Zacks Investment Research·Jun 19, 2026
Tree.com (TREE) Surges 9.1%: Is This an Indication of Further Gains?

Tree.com (TREE) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road.

Peers Comparison

Key metrics vs top competitors for LendingTree, Inc. (TREE)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
TREE logoTREELendingTree, Inc.Current
$45.14$625.45M4.1924.12%13.54%76.49%—
BFIN logoBFINBankFinancial Corporation
$12.00$149.53M36.364.52%3.19%1.48%—
QNST logoQNSTQuinStreet, Inc.
$16.27$934.64M201.6178.27%5.53%23.85%—
EFC logoEFCEllington Financial Inc.
$13.48$1.34B11.33139.04%36.47%11.68%—
UPST logoUPSTUpstart Holdings, Inc.
$33.06$3.16B73.4758.87%4.25%6.59%—
LMND logoLMNDLemonade, Inc.
$77.59$5.96B-33.7340.15%-16.92%-26.52%—

Compare TREE vs Peers

LendingTree, Inc. (TREE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs BFIN

Most directly comparable listed peer for TREE.

Scale Benchmark

vs JPM

Larger-name benchmark to compare TREE against a more recognizable public peer.

Peer Set

Compare Top 5

vs BFIN, QNST, EFC, UPST

TREE SEC Filings & Documents

LendingTree, Inc. (TREE) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 30, 2026·SEC

Material company update

Mar 2, 2026·SEC

Material company update

Feb 13, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 9, 2026·SEC

FY 2025

Mar 7, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 1, 2026·SEC

FY 2025

Oct 31, 2025·SEC

FY 2025

Aug 1, 2025·SEC

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TREE Frequently Asked Questions

LendingTree, Inc. (TREE) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is LendingTree, Inc.'s revenue?

LendingTree, Inc. (TREE) reported $1.20B in revenue for fiscal year 2025.

How fast is LendingTree, Inc. growing?

LendingTree, Inc. (TREE) grew revenue by 24.1% over the past year. This is strong growth.

Is TREE profitable?

Yes, LendingTree, Inc. (TREE) is profitable, generating $180.9M in net income for fiscal year 2025 (13.5% net margin).

Dividend & Returns
What is TREE's return on equity?

LendingTree, Inc. (TREE) has a return on equity (ROE) of 76.5%. This is excellent, indicating efficient use of shareholder capital.

What is LendingTree, Inc.'s free cash flow?

LendingTree, Inc. (TREE) generated $73.1M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in TREE back in 2006?

Total return calculator · dividends reinvested · 20+ years of data

See returns →