LendingTree, Inc. logo

LendingTree, Inc.

TREE

NASDAQFinancial ServicesFinancial - Credit Services

Previous close

$30.82

+$0.23 · +0.75%

Aug 21, 4:00 PM ET

TREE company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

91

Deep Value

Momentum

42

Neutral

Sentiment

76

Bullish

Risk resilience

30

High Risk

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Company profile

Company website

LendingTree, Inc., primarily operating through its subsidiary LT Intermediate Company, LLC, maintains a robust online platform serving consumers throughout the United States. The company structures its diverse financial offerings across three key segments. Its Home segment provides a range of options, including various mortgage types (purchase, refinance, reverse, home equity), lines of credit, and real estate brokerage services. The Consumer segment addresses needs for credit cards, personal, small business, student, and auto loans, deposit accounts, and complementary services like credit repair and debt settlement. Through its Insurance segment, LendingTree offers tools, information, and access to quotes for products such as home and auto insurance, facilitating connections between consumers and insurance lead aggregators. Furthermore, LendingTree, Inc. operates several other prominent online properties: Student Loan Hero aids borrowers in managing their student debt; QuoteWizard.com functions as a marketplace for comparing insurance policies; ValuePenguin delivers impartial financial analysis on subjects spanning from insurance to credit cards; and Stash offers an investing and banking platform, encompassing various personal investment accounts, traditional and Roth IRAs, custodial investment accounts, and banking services like checking accounts with debit cards featuring a Stock-Back rewards program. Incorporated in 1996 and headquartered in Charlotte, North Carolina, the company transitioned from its former name, Tree.com, Inc., to LendingTree, Inc. in January 2015.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
Scott Peyree
Listed since
Aug 12, 2008
Employees
919

Market position

Day range

Current $30.82

52-week range

Current $30.82

Open
$30.725
Previous close
$30.59
Volume
262.15K
0.83× average
Average volume
317.38K
Average daily volume
Market cap
430.03M USD
Beta
2.08
Market reference 1
50-day average
$38.3844
-19.71% below average
200-day average
$44.9011
-31.36% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.08B USD
P/E (TTM)
2.33×
P/B (TTM)
1.34×
P/S (TTM)
0.34×
EV / EBITDA
10.41×
Earnings yield
20.98%
Free cash flow yield
8.41%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
96.41%
Operating margin
8.32%
Net margin
14.32%
Return on equity
52.76%
Return on assets
17.68%
Return on invested capital
11.30%

Financial health

Debt / equity
1.35×
Current ratio
1.75×
Altman Z-score
1.37
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends108%61%15%-31%Gross margin, FY2021: 94.78%Gross margin, FY2022: 94.14%Gross margin, FY2023: 94.24%Gross margin, FY2024: 95.99%Gross margin, FY2025: 94.26%Operating margin, FY2021: 0.73%Operating margin, FY2022: -3.33%Operating margin, FY2023: -6.04%Operating margin, FY2024: 4.96%Operating margin, FY2025: 7.35%Net margin, FY2021: 6.29%Net margin, FY2022: -19.08%Net margin, FY2023: -18.20%Net margin, FY2024: -4.63%Net margin, FY2025: 13.54%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 94.78%. Gross margin FY2022 94.14%. Gross margin FY2023 94.24%. Gross margin FY2024 95.99%. Gross margin FY2025 94.26%. Operating margin FY2021 0.73%. Operating margin FY2022 -3.33%. Operating margin FY2023 -6.04%. Operating margin FY2024 4.96%. Operating margin FY2025 7.35%. Net margin FY2021 6.29%. Net margin FY2022 -19.08%. Net margin FY2023 -18.20%. Net margin FY2024 -4.63%. Net margin FY2025 13.54%.

Income trends

Revenue

1.12B USD+24.12%

Operating income

82.11M USD+83.99%

Net income

151.31M USD+193.01M USD
Income trends across reported periods1.25B USD725.74M USD203.63M USD−318.48M USDRevenue, FY2021: 1.1B USDRevenue, FY2022: 984.99M USDRevenue, FY2023: 672.5M USDRevenue, FY2024: 900.22M USDRevenue, FY2025: 1.12B USDOperating income, FY2021: 8.03M USDOperating income, FY2022: −32.76M USDOperating income, FY2023: −40.61M USDOperating income, FY2024: 44.63M USDOperating income, FY2025: 82.11M USDNet income, FY2021: 69.12M USDNet income, FY2022: −187.95M USDNet income, FY2023: −122.4M USDNet income, FY2024: −41.7M USDNet income, FY2025: 151.31M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.1B USD. Revenue FY2022 984.99M USD. Revenue FY2023 672.5M USD. Revenue FY2024 900.22M USD. Revenue FY2025 1.12B USD. Operating income FY2021 8.03M USD. Operating income FY2022 −32.76M USD. Operating income FY2023 −40.61M USD. Operating income FY2024 44.63M USD. Operating income FY2025 82.11M USD. Net income FY2021 69.12M USD. Net income FY2022 −187.95M USD. Net income FY2023 −122.4M USD. Net income FY2024 −41.7M USD. Net income FY2025 151.31M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.12B USD900.22M USD672.5M USD984.99M USD1.1B USD
Cost of goods sold64.17M USD36.07M USD38.76M USD57.77M USD57.3M USD
Gross profit1.05B USD864.15M USD633.74M USD927.22M USD1.04B USD
Research and development45.25M USD46.36M USD47.2M USD55.55M USD52.87M USD
Selling, general, and administrative925.79M USD744.67M USD551.29M USD854.62M USD927.46M USD
Operating expenses971.04M USD819.52M USD674.36M USD959.99M USD1.03B USD
Interest expense46.79M USD27.85M USD26.01M USD46.87M USD
Depreciation and amortization21.65M USD24.19M USD26.76M USD45.4M USD60.65M USD
Operating income82.11M USD44.63M USD−40.61M USD−32.76M USD8.03M USD
Net income151.31M USD−41.7M USD−122.4M USD−187.95M USD69.12M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 3 misses, 0 met estimates
Average EPS surprise
+123.84%
11 comparable reports
Latest EPS result
1.27
Estimate 1.41 · Miss by 9.93%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.780.81-0.15-1.12Q1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Mar 5, 2025: actual 0.56, estimate 0.11, surprise +409.09%, Beat. Q2 2025, reported May 1, 2025: actual -0.92, estimate 0.195, surprise -571.55%, Miss. Q3 2025, reported Jul 31, 2025: actual 0.66, estimate 0.382, surprise +72.91%, Beat. Q4 2025, reported Oct 30, 2025: actual 0.75, estimate 0.699, surprise +7.30%, Beat. Q1 2026, reported Mar 2, 2026: actual -0.39, estimate 0.478, surprise -181.66%, Miss. Q2 2026, reported Apr 30, 2026: actual 1.58, estimate 1.49, surprise +6.04%, Beat. Q3 2026, reported Jul 29, 2026: actual 1.27, estimate 1.41, surprise -9.93%, Miss. Q4 2026, reported Oct 29, 2026: actual —, estimate 1.29, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates342.91M303.01M263.1M223.19MQ1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Mar 5, 2025: actual 261.5M USD, estimate 236.38M USD, surprise +10.63%, Beat. Q2 2025, reported May 1, 2025: actual 239.7M USD, estimate 244.89M USD, surprise -2.12%, Miss. Q3 2025, reported Jul 31, 2025: actual 250.1M USD, estimate 246.97M USD, surprise +1.27%, Beat. Q4 2025, reported Oct 30, 2025: actual 307.8M USD, estimate 278.45M USD, surprise +10.54%, Beat. Q1 2026, reported Mar 2, 2026: actual 319.69M USD, estimate 284.88M USD, surprise +12.22%, Beat. Q2 2026, reported Apr 30, 2026: actual 327.27M USD, estimate 321.33M USD, surprise +1.85%, Beat. Q3 2026, reported Jul 29, 2026: actual 313.42M USD, estimate 315.56M USD, surprise -0.68%, Miss. Q4 2026, reported Oct 29, 2026: actual —, estimate 329.72M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$66.00

114.15% upside
Past 12 months12-month forecastHigh $78.00Average $66.00Low $60.00

Rating distribution

23 ratings
Strong buy00%
Buy1983%
Hold313%
Sell14%
Strong sell00%

TREE peers

ETFs holding TREE

Funds reporting this stock among their holdings, ordered by reported position size.

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