| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| TREELendingTree, Inc. | 918.26M | 67.17 | -21.39 | 33.86% | -4.63% | 10.69% | 5.56% | 5.00 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -171K | -561K | -7.03M | -12.44M | -20.27M | -36.3M | -46.87M | -26.01M | 0 | -27.85M |
| NII Growth % | -84.5% | -2.28% | -11.53% | -0.77% | -0.63% | -0.79% | -0.29% | 0.44% | 1% | - |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - | - |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 171K | 561K | 7.03M | 12.44M | 20.27M | 36.3M | 46.87M | 26.01M | 0 | 27.85M |
| Loan Loss Provision | 9.2M | 13.2M | 10.2M | 23.96M | 48.11M | 18.19M | 10.43M | 31.75M | 38.76M | 8.22M |
| Non-Interest Income | 254.22M | 384.4M | 617.74M | 764.87M | 1.11B | 909.99M | 1.1B | 984.99M | 672.5M | 900.22M |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - | - |
| Total Revenue | 254.22M | 384.4M | 617.74M | 764.87M | 1.11B | 909.99M | 1.1B | 984.99M | 672.5M | 900.22M |
| Revenue Growth % | 0.52% | 0.51% | 0.61% | 0.24% | 0.45% | -0.18% | 0.21% | -0.1% | -0.32% | 0.34% |
| Non-Interest Expense | 216.33M | 318.53M | 567.38M | 672.27M | 987.5M | 862.1M | 1.03B | 959.99M | 674.36M | 819.52M |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 28.51M | 52.11M | 33.13M | 56.19M | 50.73M | -6.6M | 8.03M | -32.76M | -40.61M | 44.63M |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | 30.43% | 0.83% | -0.36% | 0.7% | -0.1% | -1.13% | 2.22% | -5.08% | -0.24% | 2.1% |
| Pretax Income | 28.34M | 51.57M | 25.71M | 43.74M | 30.98M | -42.53M | 84.44M | -54.93M | -124.92M | -37.38M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - | - |
| Income Tax | -22.97M | 20.37M | 6.29M | -65.58M | -8.48M | -19.96M | 11.3M | 133.02M | -2.52M | 4.32M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - | - |
| Net Income | 48.05M | 27.49M | 15.58M | 96.5M | 17.83M | -48.26M | 69.11M | -187.95M | -122.4M | -41.7M |
| Net Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | 4.13% | -0.43% | -0.43% | 5.19% | -0.82% | -3.71% | 2.43% | -3.72% | 0.35% | 0.66% |
| Net Income (Continuing) | 51.32M | 31.21M | 19.42M | 109.32M | 39.46M | -22.57M | 73.14M | -187.95M | -122.4M | -41.7M |
| EPS (Diluted) | 3.83 | 2.15 | 1.14 | 6.85 | 2.70 | -3.71 | 5.05 | -14.69 | -9.46 | -3.14 |
| EPS Growth % | 3.56% | -0.44% | -0.47% | 5.01% | -0.61% | -2.37% | 2.36% | -3.91% | 0.36% | 0.67% |
| EPS (Basic) | 4.17 | 2.33 | 1.30 | 7.72 | 1.39 | -3.71 | 5.24 | -14.69 | -9.46 | -3.14 |
| Diluted Shares Outstanding | 12.54M | 12.77M | 13.68M | 14.1M | 14.62M | 13.01M | 13.7M | 12.79M | 12.94M | 13.27M |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 206.97M | 91.13M | 368.55M | 105.1M | 60.24M | 169.93M | 251.23M | 298.85M | 112.05M | 106.59M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 0 | 0 | 0 | 0 | 0 | 80M | 158.14M | 174.58M | 60.08M | 1.7M |
| Investments Growth % | 1% | - | - | - | - | - | 0.98% | 0.1% | -0.66% | -0.97% |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 80M | 158.14M | 174.58M | 60.08M | 1.7M |
| Accounts Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - | - |
| Goodwill | 3.63M | 56.46M | 113.37M | 348.35M | 420.14M | 420.14M | 420.14M | 420.14M | 381.54M | 381.54M |
| Intangible Assets | 10.99M | 71.68M | 81.13M | 205.7M | 181.58M | 128.5M | 85.76M | 58.31M | 50.62M | 43.28M |
| PP&E (Net) | 9.41M | 35.46M | 36.43M | 23.18M | 56.88M | 146.49M | 149.82M | 126.21M | 107.7M | 95.34M |
| Other Assets | 5.18M | 4.59M | 4.34M | 5.43M | 12.28M | 21.23M | 23.53M | 6.1M | 4.25M | 7.35M |
| Total Current Assets | 245.58M | 140.62M | 438.04M | 234.17M | 189.43M | 296.41M | 374.38M | 413.97M | 196.48M | 238.46M |
| Total Non-Current Assets | 50.2M | 185.24M | 255.42M | 661.94M | 758.54M | 892.58M | 924.98M | 785.35M | 606.28M | 529.21M |
| Total Assets | 295.78M | 325.86M | 693.46M | 896.12M | 947.97M | 1.19B | 1.3B | 1.2B | 802.76M | 767.67M |
| Asset Growth % | 1.11% | 0.1% | 1.13% | 0.29% | 0.06% | 0.25% | 0.09% | -0.08% | -0.33% | -0.04% |
| Return on Assets (ROA) | 0.22% | 0.09% | 0.03% | 0.12% | 0.02% | -0.05% | 0.06% | -0.15% | -0.12% | -0.05% |
| Accounts Payable | 5.74M | 5.59M | 9.25M | 15.07M | 2.87M | 10.11M | 1.69M | 2.03M | 1.96M | 8.36M |
| Total Debt | 0 | 0 | 238.2M | 375.94M | 367.63M | 709.15M | 748.92M | 912.76M | 611.15M | 544.09M |
| Net Debt | -206.97M | -91.13M | -130.35M | 270.84M | 307.39M | 539.22M | 497.69M | 613.92M | 499.1M | 437.5M |
| Long-Term Debt | 0 | 0 | 238.2M | 250.94M | 264.39M | 611.41M | 478.15M | 813.52M | 525.62M | 344.12M |
| Short-Term Debt | 0 | 0 | 0 | 125M | 75M | 0 | 166.01M | 2.5M | 3.13M | 124.93M |
| Other Liabilities | 612K | 25.29M | 12.87M | 36.12M | 29.19M | 8.61M | 351K | 7.09M | 267K | 131K |
| Total Current Liabilities | 54.03M | 66.71M | 147.52M | 261.95M | 230.71M | 111.84M | 274.43M | 82.53M | 75.63M | 240.48M |
| Total Non-Current Liabilities | 612K | 27.72M | 251.07M | 287.95M | 314.94M | 712.39M | 576.93M | 908.84M | 603M | 418.38M |
| Total Liabilities | 54.64M | 94.42M | 398.58M | 549.91M | 545.64M | 824.23M | 851.36M | 991.37M | 678.63M | 658.85M |
| Total Equity | 241.14M | 231.44M | 294.87M | 346.21M | 402.33M | 364.76M | 447.99M | 207.94M | 124.13M | 108.82M |
| Equity Growth % | 1.5% | -0.04% | 0.27% | 0.17% | 0.16% | -0.09% | 0.23% | -0.54% | -0.4% | -0.12% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | 0.28% | 0.12% | 0.06% | 0.3% | 0.05% | -0.13% | 0.17% | -0.57% | -0.74% | -0.36% |
| Book Value per Share | 19.23 | 18.12 | 21.55 | 24.56 | 27.52 | 28.04 | 32.71 | 16.25 | 9.59 | 8.20 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - | - |
| Common Stock | 139K | 140K | 142K | 154K | 157K | 158K | 161K | 162K | 164K | 167K |
| Additional Paid-in Capital | 1.01B | 1.02B | 1.09B | 1.13B | 1.18B | 1.19B | 1.24B | 1.19B | 1.23B | 1.25B |
| Retained Earnings | -750.12M | -722.63M | -708.35M | -610.48M | -592.65M | -640.91M | -571.79M | -715.3M | -837.7M | -879.41M |
| Accumulated OCI | -6.94M | -9.74M | -13.04M | -13.89M | 0 | 0 | 0 | 0 | 0 | 0 |
| Treasury Stock | -15.56M | -64.08M | -85.08M | -177.69M | -183.16M | -183.16M | -223.17M | -266.18M | -266.18M | -266.18M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 28.95M | 48.25M | 98.73M | 110.71M | 143.92M | 38.57M | 124.87M | 42.97M | 67.57M | 62.26M |
| Operating CF Growth % | 57.99% | 0.67% | 1.05% | 0.12% | 0.3% | -0.73% | 2.24% | -0.66% | 0.57% | -0.08% |
| Net Income | 51.32M | 31.21M | 19.42M | 109.32M | 39.46M | -22.57M | 73.14M | -187.95M | -122.4M | -41.7M |
| Depreciation & Amortization | 3.16M | 6.19M | 21.55M | 31.48M | 66.45M | 67.28M | 60.65M | 45.4M | 26.76M | 24.19M |
| Deferred Taxes | -29.97M | 6.37M | -6.37M | -63.9M | -8.55M | -9.63M | 10.91M | 132.67M | -4.69M | 2.79M |
| Other Non-Cash Items | -7.1M | -14.56M | 27.67M | -8.1M | 17.97M | -24.76M | -12.85M | 17.04M | 110.46M | 51.76M |
| Working Capital Changes | 3.04M | 9.4M | 13.11M | -2.46M | -23.58M | -25.49M | -6.97M | -23.82M | 17.76M | -3.35M |
| Cash from Investing | 4.9M | -117.22M | -74.44M | -383.04M | -101.06M | -122.15M | 13.38M | -27.88M | -12.48M | -11.22M |
| Purchase of Investments | 0 | 0 | 0 | 0 | 0 | -80M | -1.18M | -16.44M | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 1000K | 0 | 0 | 0 |
| Net Investment Activity | - | - | - | - | - | - | - | - | - | - |
| Acquisitions | -37K | -85.68M | -66.39M | -368.13M | -105.1M | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 12.18M | 2.45M | -2K | -13.24M | 24.08M | 0 | 3.32M | 7K | 50K | 2K |
| Cash from Financing | 86.91M | -52.64M | 253.13M | 4.84M | -87.68M | 193.29M | -56.96M | 32.67M | -242.01M | -56.5M |
| Dividends Paid | -131K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -218K | -48.52M | -19.9M | -93.7M | -5.47M | 0 | -40.01M | -43.01M | 0 | 0 |
| Stock Issued | 91.48M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 0 | 0 | 1000K | 1000K | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K |
| Other Financing | -8.83M | -4.12M | -26.97M | -26.45M | -32.21M | -72.85M | -14.45M | -3.55M | -2.67M | -10.16M |
| Net Change in Cash | 120.76M | -115.84M | 277.42M | -267.48M | -44.82M | 109.71M | 81.29M | 47.63M | -186.91M | -5.46M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 86.21M | 206.97M | 91.13M | 372.64M | 105.16M | 60.34M | 170.05M | 251.34M | 298.97M | 112.06M |
| Cash at End | 206.97M | 91.13M | 368.55M | 105.16M | 60.34M | 170.05M | 251.34M | 298.97M | 112.06M | 106.59M |
| Interest Paid | 60K | 320K | 1.33M | 3.59M | 7M | 4.74M | 0 | 19.02M | 23.68M | 38.2M |
| Income Taxes Paid | 703K | 3.1M | 20.36M | 541K | 25K | 561K | 0 | 404K | 1.28M | 1.68M |
| Free Cash Flow | 21.72M | 14.27M | 90.69M | 95.81M | 123.88M | -3.58M | 89.81M | 31.52M | 55.04M | 51.04M |
| FCF Growth % | 5.98% | -0.34% | 5.36% | 0.06% | 0.29% | -1.03% | 26.09% | -0.65% | 0.75% | -0.07% |
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 28.47% | 11.64% | 5.92% | 30.1% | 4.76% | -12.58% | 17.01% | -57.31% | -73.72% | -35.8% |
| Return on Assets (ROA) | 22.06% | 8.85% | 3.06% | 12.14% | 1.93% | -4.52% | 5.56% | -15.04% | -12.23% | -5.31% |
| Net Interest Margin | -0.06% | -0.17% | -1.01% | -1.39% | -2.14% | -3.05% | -3.61% | -2.17% | 0% | -3.63% |
| Efficiency Ratio | 85.1% | 82.86% | 91.85% | 87.89% | 89.24% | 94.74% | 94.05% | 97.46% | 100.28% | 91.04% |
| Equity / Assets | 81.53% | 71.02% | 42.52% | 38.63% | 42.44% | 30.68% | 34.48% | 17.34% | 15.46% | 14.18% |
| Book Value / Share | 19.23 | 18.12 | 21.55 | 24.56 | 27.52 | 28.04 | 32.71 | 16.25 | 9.59 | 8.2 |
| NII Growth | -8450% | -228.07% | -1152.76% | -76.96% | -62.99% | -79.07% | -29.11% | 44.49% | 100% | - |
| Dividend Payout | 0.27% | - | - | - | - | - | - | - | - | - |
| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Other Products And Services | - | - | - | 222.72M | 28.84M | 2.04M | 663K | 427K | 199K | 199K |
| Other Products And Services Growth | - | - | - | - | -87.05% | -92.94% | -67.42% | -35.60% | -53.40% | 0.00% |
| Non-mortgage Products | 88.94M | 164.41M | 341.83M | 522.69M | - | - | - | - | - | - |
| Non-mortgage Products Growth | - | 84.85% | 107.91% | 52.91% | - | - | - | - | - | - |
| Mortgage Products | 165.27M | 219.99M | 275.91M | 242.18M | - | - | - | - | - | - |
| Mortgage Products Growth | - | 33.11% | 25.42% | -12.23% | - | - | - | - | - | - |
| Credit Cards | - | - | - | 165.78M | - | - | - | - | - | - |
| Credit Cards Growth | - | - | - | - | - | - | - | - | - | - |
| Personal Loans | - | - | - | 134.2M | - | - | - | - | - | - |
| Personal Loans Growth | - | - | - | - | - | - | - | - | - | - |
LendingTree, Inc. (TREE) grew revenue by 33.9% over the past year. This is strong growth.
Yes, LendingTree, Inc. (TREE) is profitable, generating $14.2M in net income for fiscal year 2024 (-4.6% net margin).
LendingTree, Inc. (TREE) has a return on equity (ROE) of -35.8%. Negative ROE indicates the company is unprofitable.
LendingTree, Inc. (TREE) has a net interest margin (NIM) of -3.6%. NIM has been under pressure due to interest rate environment.
LendingTree, Inc. (TREE) has an efficiency ratio of 91.0%. This is higher than peers, suggesting room for cost optimization.