# LendingTree Inc. (TREE) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Thrifts & Mortgage Finance. Price $28.35, market value $398 million.

## Valuation
- **P/E (trailing): 2.2×** (5-yr avg 14.6×, 3-yr avg 4.9×). LendingTree Inc. trades at 2.2× trailing earnings, well below its own five-year average of 14.6×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 4.3×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.01**. A PEG of 0.01 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.3×**. Each dollar of revenue is priced at 0.3×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 5.9×**. Enterprise value is 5.9× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 18.6%** (5-yr avg 9.9%). Free cash flow equals 18.6% of the market value, above its five-year average of 9.9%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 45.6%**. The inverse of the P/E: 45.6% of the price is earned each year.

## Profitability
- **Gross margin: 29.8%**. LendingTree Inc. keeps 29.8% of revenue after the direct cost of what it sells.
- **Operating margin: 8.2%**. 8.2% of revenue is left after running the business.
- **Net margin: 13.5%**. 13.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 52.8%**. A 52.8% return on equity is extremely high; check whether buybacks or debt have shrunk the equity base, which flatters the ratio.
- **Return on invested capital: 13.7%**. Return on all capital, debt included, is 13.7%.
- **Return on assets: 21.2%**. Each dollar of assets produces 21.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 24.1%** (3-yr 4.3%/yr, 5-yr 4.2%/yr). Revenue grew 24.1% over the last year, against 4.2% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 443.3%**. Earnings per share rose 443.3%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 24.4%/yr**. Free cash flow has compounded at 24.4% a year over three years.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $81 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. LendingTree Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): -60.2%** (YTD -46.6%, 3-mo -20.9%). The shares are down 60.2% over twelve months including dividends.
- **From 52-week high: -63.3%** (4.7% above the low). Trading 63% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 33**. An RSI of 33 is neutral.
- **Beta (1 yr): 1.44** (volatility 67%). Beta of 1.44 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=TREE · Page: https://foliofundamentals.com/stocks/tree

Not investment advice.