8-K Announcements
6Apr 30, 2026·SEC
Mar 2, 2026·SEC
Feb 13, 2026·SEC
LendingTree, Inc. (TREE) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
LendingTree, Inc. (TREE) stock price & volume — 10-year historical chart
LendingTree, Inc. (TREE) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
LendingTree, Inc. (TREE) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $1.66vs $1.49+11.4% | $327Mvs $321M+1.8% |
| Q2 2026 | Mar 2, 2026 | $0.39vs $0.48-181.7% | $320Mvs $285M+12.2% |
| Q4 2025 | Oct 30, 2025 | $1.70vs $1.23+38.2% | $308Mvs $287M+7.4% |
| Q3 2025 | Jul 31, 2025 | $1.13vs $0.97+16.5% | $250Mvs $278M-10.1% |
LendingTree, Inc. (TREE) competitors in Consumer finance and fintech marketplaces — business model, growth, and fundamentals comparison
LendingTree, Inc. (TREE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
LendingTree, Inc. (TREE) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -7.03M | -12.44M | -20.27M | -36.3M | -46.87M | -26.01M | 0 | -27.85M | -46.79M | -28.31M |
| NII Growth % | -1152.76% | -76.96% | -62.99% | -79.07% | -29.11% | 44.49% | 100% | - | -68% | -644.11% |
| Net Interest Margin % | -1.01% | -1.39% | -2.14% | -3.05% | -3.61% | -2.17% | 0% | -3.63% | -5.47% | -3.28% |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 7.03M | 12.44M | 20.27M | 36.3M | 46.87M | 26.01M | 0 | 27.85M | 46.79M | 19.74M |
| Loan Loss Provision | 10.2M | 23.96M | 48.11M | 18.19M | 10.43M | 31.75M | 38.76M | 8.22M | 17.39M | 24.57M |
| Non-Interest Income | 617.74M | 764.87M | 1.11B | 909.99M | 1.1B | 984.99M | 672.5M | 900.22M | 1.12B | 1.2B |
| Non-Interest Income % | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Total Revenue | 617.74M▲ 0% | 764.87M▲ 23.8% | 1.11B▲ 44.7% | 909.99M▼ 17.8% | 1.1B▲ 20.7% | 984.99M▼ 10.3% | 672.5M▼ 31.7% | 900.22M▲ 33.9% | 1.12B▲ 24.1% | 1.2B▲ 0% |
| Revenue Growth % | 60.7% | 23.82% | 44.68% | -17.77% | 20.72% | -10.33% | -31.73% | 33.86% | 24.12% | 95.8% |
| Non-Interest Expense | 567.38M | 672.27M | 987.5M | 862.1M | 1.03B | 959.99M | 674.36M | 819.52M | 971.04M | 1.06B |
| Efficiency Ratio | 91.85% | 87.89% | 89.24% | 94.74% | 94.05% | 97.46% | 100.28% | 91.04% | 86.91% | 87.71% |
| Operating Income | 33.13M▲ 0% | 56.19M▲ 69.6% | 50.73M▼ 9.7% | -6.6M▼ 113.0% | 8.03M▲ 221.6% | -32.76M▼ 507.9% | -40.61M▼ 24.0% | 44.63M▲ 209.9% | 82.11M▲ 84.0% | 103.82M▲ 0% |
| Operating Margin % | 5.36% | 7.35% | 4.58% | -0.73% | 0.73% | -3.33% | -6.04% | 4.96% | 7.35% | 8.62% |
| Operating Income Growth % | -36.42% | 69.59% | -9.72% | -113.02% | 221.63% | -507.94% | -23.96% | 209.89% | 83.98% | - |
| Pretax Income | 25.71M▲ 0% | 43.74M▲ 70.2% | 30.98M▼ 29.2% | -42.53M▼ 237.3% | 84.44M▲ 298.5% | -54.93M▼ 165.1% | -124.92M▼ 127.4% | -37.38M▲ 70.1% | 21.02M▲ 156.2% | 58.75M▲ 0% |
| Pretax Margin % | 4.16% | 5.72% | 2.8% | -4.67% | 7.69% | -5.58% | -18.58% | -4.15% | 1.88% | 4.88% |
| Income Tax | 6.29M | -65.58M | -8.48M | -19.96M | 11.3M | 133.02M | -2.52M | 4.32M | -130.28M | -133.5M |
| Effective Tax Rate % | 24.47% | -149.91% | -27.37% | 46.94% | 13.38% | -242.15% | 2.01% | -11.56% | -619.69% | -227.26% |
| Net Income | 15.58M▲ 0% | 96.5M▲ 519.5% | 17.83M▼ 81.5% | -48.26M▼ 370.7% | 69.11M▲ 243.2% | -187.95M▼ 371.9% | -122.4M▲ 34.9% | -41.7M▲ 65.9% | 151.31M▲ 462.8% | 180.95M▲ 0% |
| Net Margin % | 2.52% | 12.62% | 1.61% | -5.3% | 6.29% | -19.08% | -18.2% | -4.63% | 13.54% | 15.02% |
| Net Income Growth % | -43.34% | 519.46% | -81.53% | -370.67% | 243.23% | -371.94% | 34.87% | 65.93% | 462.81% | 428.43% |
| Net Income (Continuing) | 19.42M | 109.32M | 39.46M | -22.57M | 73.14M | -187.95M | -122.4M | -41.7M | 151.31M | 180.95M |
| EPS (Diluted) | 1.14▲ 0% | 6.85▲ 500.9% | 2.70▼ 60.6% | -3.71▼ 237.4% | 5.05▲ 236.1% | -14.69▼ 390.9% | -9.46▲ 35.6% | -3.14▲ 66.8% | 10.78▲ 443.3% | 12.80▲ 0% |
| EPS Growth % | -46.98% | 500.88% | -60.58% | -237.41% | 236.12% | -390.89% | 35.6% | 66.81% | 443.31% | 411.86% |
| EPS (Basic) | 1.30 | 7.72 | 1.39 | -3.71 | 5.24 | -14.69 | -9.46 | -3.14 | 11.14 | - |
| Diluted Shares Outstanding | 13.68M | 14.1M | 14.62M | 13.01M | 13.7M | 12.79M | 12.94M | 13.27M | 14.06M | 14.14M |
LendingTree, Inc. (TREE) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 368.55M | 105.1M | 60.24M | 169.93M | 251.23M | 298.85M | 112.05M | 106.59M | 81.07M | 384.3M |
| Cash & Due from Banks | 368.55M | 105.1M | 60.24M | 169.93M | 251.23M | 298.85M | 112.05M | 106.59M | 81.07M | 85.52M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 0 | 0 | 0 | 80M | 158.14M | 174.58M | 60.08M | 1.7M | 475K | 0 |
| Investments Growth % | - | - | - | - | 97.67% | 10.4% | -65.59% | -97.17% | -72.06% | -343.33% |
| Long-Term Investments | 0 | 0 | 0 | 80M | 158.14M | 174.58M | 60.08M | 1.7M | 475K | 1.43M |
| Accounts Receivables | 53.44M | 91.07M | 113.49M | 89.84M | 97.66M | 95.26M | 54.95M | 118.29M | 110.58M | 117.49M |
| Goodwill & Intangibles | 194.49M | 554.05M | 601.72M | 548.64M | 505.9M | 478.45M | 432.16M | 424.82M | 419.63M | 418.34M |
| Goodwill | 113.37M | 348.35M | 420.14M | 420.14M | 420.14M | 420.14M | 381.54M | 381.54M | 381.54M | 381.54M |
| Intangible Assets | 81.13M | 205.7M | 181.58M | 128.5M | 85.76M | 58.31M | 50.62M | 43.28M | 38.09M | 36.8M |
| PP&E (Net) | 36.43M | 23.18M | 56.88M | 146.49M | 149.82M | 126.21M | 107.7M | 95.34M | 64.49M | 62.25M |
| Other Assets | 4.34M | 5.43M | 12.28M | 21.23M | 23.53M | 6.1M | 4.25M | 7.35M | 5.52M | 19.56M |
| Total Current Assets | 438.04M | 234.17M | 189.43M | 296.41M | 374.38M | 413.97M | 196.48M | 238.46M | 240.71M | 244.4M |
| Total Non-Current Assets | 255.42M | 661.94M | 758.54M | 892.58M | 924.98M | 785.35M | 606.28M | 529.21M | 614.98M | 619.49M |
| Total Assets | 693.46M▲ 0% | 896.12M▲ 29.2% | 947.97M▲ 5.8% | 1.19B▲ 25.4% | 1.3B▲ 9.3% | 1.2B▼ 7.7% | 802.76M▼ 33.1% | 767.67M▼ 4.4% | 855.69M▲ 11.5% | 863.88M▲ 0% |
| Asset Growth % | 112.81% | 29.22% | 5.79% | 25.42% | 9.28% | -7.7% | -33.07% | -4.37% | 11.47% | 23.36% |
| Return on Assets (ROA) | 3.06% | 12.14% | 1.93% | -4.52% | 5.56% | -15.04% | -12.23% | -5.31% | 18.64% | 21.83% |
| Accounts Payable | 9.25M | 15.07M | 2.87M | 10.11M | 1.69M | 2.03M | 1.96M | 8.36M | 6.74M | 7.79M |
| Total Debt | 238.2M | 375.94M | 367.63M | 709.15M | 748.92M | 912.76M | 611.15M | 544.09M | 435.22M | 429.68M |
| Net Debt | -130.35M | 270.84M | 307.39M | 539.22M | 497.69M | 613.92M | 499.1M | 437.5M | 354.14M | 344.16M |
| Long-Term Debt | 238.2M | 250.94M | 264.39M | 611.41M | 478.15M | 813.52M | 525.62M | 344.12M | 387.69M | 429.68M |
| Short-Term Debt | 0 | 125M | 75M | 0 | 166.01M | 2.5M | 3.13M | 124.93M | 3.93M | 0 |
| Other Liabilities | 12.87M | 36.12M | 29.19M | 8.61M | 351K | 7.09M | 267K | 131K | 140K | 142K |
| Total Current Liabilities | 147.52M | 261.95M | 230.71M | 111.84M | 274.43M | 82.53M | 75.63M | 240.48M | 137.46M | 129.33M |
| Total Non-Current Liabilities | 251.07M | 287.95M | 314.94M | 712.39M | 576.93M | 908.84M | 603M | 418.38M | 431.43M | 429.82M |
| Total Liabilities | 398.58M | 549.91M | 545.64M | 824.23M | 851.36M | 991.37M | 678.63M | 658.85M | 568.89M | 559.15M |
| Total Equity | 294.87M▲ 0% | 346.21M▲ 17.4% | 402.33M▲ 16.2% | 364.76M▼ 9.3% | 447.99M▲ 22.8% | 207.94M▼ 53.6% | 124.13M▼ 40.3% | 108.82M▼ 12.3% | 286.8M▲ 163.5% | 304.73M▲ 0% |
| Equity Growth % | 27.41% | 17.41% | 16.21% | -9.34% | 22.82% | -53.58% | -40.3% | -12.33% | 163.55% | 378.75% |
| Equity / Assets (Capital Ratio) | 42.52% | 38.63% | 42.44% | 30.68% | 34.48% | 17.34% | 15.46% | 14.18% | 33.52% | 35.27% |
| Return on Equity (ROE) | 5.92% | 30.1% | 4.76% | -12.58% | 17.01% | -57.31% | -73.72% | -35.8% | 76.49% | 85.96% |
| Book Value per Share | 21.55 | 24.56 | 27.52 | 28.04 | 32.71 | 16.25 | 9.59 | 8.20 | 20.40 | 21.56 |
| Tangible BV per Share | 7.34 | -14.74 | -13.64 | -14.14 | -4.23 | -21.15 | -23.80 | -23.81 | -9.45 | -8.04 |
| Common Stock | 142K | 154K | 157K | 158K | 161K | 162K | 164K | 167K | 171K | 173K |
| Additional Paid-in Capital | 1.09B | 1.13B | 1.18B | 1.19B | 1.24B | 1.19B | 1.23B | 1.25B | 1.28B | 0 |
| Retained Earnings | -708.35M | -610.48M | -592.65M | -640.91M | -571.79M | -715.3M | -837.7M | -879.41M | -728.1M | -710.83M |
| Accumulated OCI | -13.04M | -13.89M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Treasury Stock | -85.08M | -177.69M | -183.16M | -183.16M | -223.17M | -266.18M | -266.18M | -266.18M | -266.18M | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
LendingTree, Inc. (TREE) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 98.73M | 110.71M | 143.92M | 38.57M | 124.87M | 42.97M | 67.57M | 62.26M | 73.1M | 73.1M |
| Operating CF Growth % | 104.62% | 12.13% | 29.99% | -73.2% | 223.76% | -65.59% | 57.26% | -7.86% | 17.42% | 6232.06% |
| Net Income | 19.42M | 109.32M | 39.46M | -22.57M | 73.14M | -187.95M | -122.4M | -41.7M | 151.31M | 180.95M |
| Depreciation & Amortization | 21.55M | 31.48M | 66.45M | 67.28M | 60.65M | 45.4M | 26.76M | 24.19M | 21.65M | 16.05M |
| Deferred Taxes | -6.37M | -63.9M | -8.55M | -9.63M | 10.91M | 132.67M | -4.69M | 2.79M | -129.75M | -130.15M |
| Other Non-Cash Items | 27.67M | -8.1M | 17.97M | -24.76M | -12.85M | 17.04M | 110.46M | 51.76M | 9.19M | 23.71M |
| Working Capital Changes | 13.11M | -2.46M | -23.58M | -25.49M | -6.97M | -23.82M | 17.76M | -3.35M | -8.75M | -4.57M |
| Cash from Investing | -74.44M | -383.04M | -101.06M | -122.15M | 13.38M | -27.88M | -12.48M | -11.22M | -9.93M | -9.23M |
| Purchase of Investments | 0 | 0 | 0 | -80M | -1.18M | -16.44M | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 46.31M | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | 0 | 0 | 0 | -80M | 45.13M | -16.44M | 0 | 0 | 0 | 0 |
| Acquisitions | -66.39M | -368.13M | -105.1M | 0 | 0 | 0 | 0 | 0 | 2.5M | 0 |
| Other Investing | -2K | -13.24M | 24.08M | 0 | 3.32M | 7K | 50K | 2K | 0 | 2.55M |
| Cash from Financing | 253.13M | 4.84M | -87.68M | 193.29M | -56.96M | 32.67M | -242.01M | -56.5M | -88.7M | -116.51M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -19.9M | -93.7M | -5.47M | 0 | -40.01M | -43.01M | 0 | 0 | 0 | 345K |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -33K |
| Net Stock Activity | -19.9M | -93.7M | -5.47M | 0 | -40.01M | -43.01M | 0 | 0 | 0 | 312K |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | -1000K | -1000K |
| Other Financing | -26.97M | -26.45M | -32.21M | -72.85M | -14.45M | -3.55M | -2.67M | -10.16M | -11.88M | -19.98M |
| Net Change in Cash | 277.42M▲ 0% | -267.48M▼ 196.4% | -44.82M▲ 83.2% | 109.71M▲ 344.8% | 81.29M▼ 25.9% | 47.63M▼ 41.4% | -186.91M▼ 492.5% | -5.46M▲ 97.1% | -25.52M▼ 367.2% | -40.87M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 91.13M | 372.64M | 105.16M | 60.34M | 170.05M | 251.34M | 298.97M | 112.06M | 106.59M | 81.07M |
| Cash at End | 368.55M | 105.16M | 60.34M | 170.05M | 251.34M | 298.97M | 112.06M | 106.59M | 81.07M | 85.52M |
| Interest Paid | 1.33M | 3.59M | 7M | 4.74M | 0 | 19.02M | 23.68M | 38.2M | 0 | 0 |
| Income Taxes Paid | 20.36M | 541K | 25K | 561K | 0 | 404K | 1.28M | 1.68M | 0 | 0 |
| Free Cash Flow | 90.69M▲ 0% | 95.81M▲ 5.6% | 123.88M▲ 29.3% | -3.58M▼ 102.9% | 89.81M▲ 2608.5% | 31.52M▼ 64.9% | 55.04M▲ 74.6% | 51.04M▼ 7.3% | 60.68M▲ 18.9% | 73.09M▲ 0% |
| FCF Growth % | 535.68% | 5.64% | 29.3% | -102.89% | 2608.55% | -64.9% | 74.61% | -7.28% | 18.89% | 64.42% |
LendingTree, Inc. (TREE) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 5.92% | 30.1% | 4.76% | -12.58% | 17.01% | -57.31% | -73.72% | -35.8% | 76.49% | 85.96% |
| Return on Assets (ROA) | 3.06% | 12.14% | 1.93% | -4.52% | 5.56% | -15.04% | -12.23% | -5.31% | 18.64% | 21.83% |
| Net Interest Margin | -1.01% | -1.39% | -2.14% | -3.05% | -3.61% | -2.17% | 0% | -3.63% | -5.47% | -3.28% |
| Efficiency Ratio | 91.85% | 87.89% | 89.24% | 94.74% | 94.05% | 97.46% | 100.28% | 91.04% | 86.91% | 87.71% |
| Equity / Assets | 42.52% | 38.63% | 42.44% | 30.68% | 34.48% | 17.34% | 15.46% | 14.18% | 33.52% | 35.27% |
| Book Value / Share | 21.55 | 24.56 | 27.52 | 28.04 | 32.71 | 16.25 | 9.59 | 8.2 | 20.4 | 21.56 |
| NII Growth | -1152.76% | -76.96% | -62.99% | -79.07% | -29.11% | 44.49% | 100% | - | -68% | 6.56% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 0% |
LendingTree, Inc. (TREE) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 30, 2026·SEC
Mar 2, 2026·SEC
Feb 13, 2026·SEC
LendingTree, Inc. (TREE) stock FAQ — growth, dividends, profitability & financials explained
LendingTree, Inc. (TREE) grew revenue by 24.1% over the past year. This is strong growth.
Yes, LendingTree, Inc. (TREE) is profitable, generating $180.9M in net income for fiscal year 2025 (13.5% net margin).
LendingTree, Inc. (TREE) has a return on equity (ROE) of 76.5%. This is excellent, indicating efficient use of shareholder capital.
LendingTree, Inc. (TREE) has a net interest margin (NIM) of -5.5%. NIM has been under pressure due to interest rate environment.
LendingTree, Inc. (TREE) has an efficiency ratio of 86.9%. This is higher than peers, suggesting room for cost optimization.
LendingTree, Inc. (TREE) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates