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TREE logoLendingTree, Inc.(TREE)Earnings, Financials & Key Ratios

TREE•NASDAQ•Banking & Credit
$40.62
$563M mkt cap·3.8× P/E·Price updated May 6, 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
  • Net Interest Income-$47M-68.0%
  • Total Revenue$1.12B+24.1%
  • Net Income$151M+462.8%
  • Return on Equity76.49%+313.6%
  • Net Interest Margin-5.47%-50.7%
  • Efficiency Ratio86.91%-4.5%
  • ROA18.64%+451.0%
  • Equity / Assets33.52%+136.4%
  • Book Value per Share20.40+148.7%
  • Tangible BV/Share-9.45+60.3%
  • Debt/Equity1.52-69.6%
Technical→

TREE Key Insights

LendingTree, Inc. (TREE) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Well capitalized: 33.5% equity/assets
  • ✓Diversified revenue: 100.0% from non-interest income

✗Weaknesses

  • ✗Weak NIM of -5.5%
  • ✗High cost structure: 86.9% efficiency ratio
  • ✗Weak momentum: RS Rating 19 (bottom 19%)
  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

TREE Price & Volume

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

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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
EPS
$1.66
Est $1.49
+11.4%
Revenue
$327M
Est $321M
+1.8%
Q2 2026
Mar 2, 2026
EPS
$0.39
Est $0.48
-181.7%
Revenue
$320M
Est $285M
+12.2%
Q4 2025
Oct 30, 2025
EPS
$1.70
Est $1.23
+38.2%
Revenue
$308M
Est $287M
+7.4%
Q3 2025
Jul 31, 2025
EPS
$1.13
Est $0.97
+16.5%
Revenue
$250M
Est $278M
-10.1%
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 →

TREE Peer Comparison

LendingTree, Inc. (TREE) competitors in Consumer finance and fintech marketplaces — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
BFIN logoBFINBankFinancial CorporationDirect Competitor149.53M12.0036.364.52%5.48%1.47%3.66%0.25
QNST logoQNSTQuinStreet, Inc.Direct Competitor788.23M13.83171.3878.27%5.64%24.45%10.52%0.04
EFC logoEFCEllington Financial Inc.Direct Competitor1.3B13.1011.01139.04%34.24%8.4%39.07%9.07
UPST logoUPSTUpstart Holdings, Inc.Direct Competitor2.98B31.1769.2758.87%4.98%6.59%2.32
LMND logoLMNDLemonade, Inc.Direct Competitor4.39B57.17-24.8640.15%-16.92%-26.52%0.34
SOFI logoSOFISoFi Technologies, Inc.Product Competitor20.43B16.0241.0828.78%10.09%5.87%0.17
LC logoLCLendingClub CorporationProduct Competitor1.97B17.0814.8514.97%10.17%9.47%0.01
AFRM logoAFRMAffirm Holdings, Inc.Product Competitor22.26B66.81445.4038.8%7.6%8.83%2.7%2.56

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 Income Statement

LendingTree, Inc. (TREE) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Net Interest Income-7.03M-12.44M-20.27M-36.3M-46.87M-26.01M0-27.85M-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 Income0000000000
Interest Expense7.03M12.44M20.27M36.3M46.87M26.01M027.85M46.79M19.74M
Loan Loss Provision10.2M23.96M48.11M18.19M10.43M31.75M38.76M8.22M17.39M24.57M
Non-Interest Income617.74M764.87M1.11B909.99M1.1B984.99M672.5M900.22M1.12B1.2B
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 Expense567.38M672.27M987.5M862.1M1.03B959.99M674.36M819.52M971.04M1.06B
Efficiency Ratio91.85%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 Tax6.29M-65.58M-8.48M-19.96M11.3M133.02M-2.52M4.32M-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)19.42M109.32M39.46M-22.57M73.14M-187.95M-122.4M-41.7M151.31M180.95M
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)1.307.721.39-3.715.24-14.69-9.46-3.1411.14-
Diluted Shares Outstanding13.68M14.1M14.62M13.01M13.7M12.79M12.94M13.27M14.06M14.14M

TREE Balance Sheet

LendingTree, Inc. (TREE) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash & Short Term Investments368.55M105.1M60.24M169.93M251.23M298.85M112.05M106.59M81.07M384.3M
Cash & Due from Banks368.55M105.1M60.24M169.93M251.23M298.85M112.05M106.59M81.07M85.52M
Short Term Investments0000000000
Total Investments00080M158.14M174.58M60.08M1.7M475K0
Investments Growth %----97.67%10.4%-65.59%-97.17%-72.06%-343.33%
Long-Term Investments00080M158.14M174.58M60.08M1.7M475K1.43M
Accounts Receivables53.44M91.07M113.49M89.84M97.66M95.26M54.95M118.29M110.58M117.49M
Goodwill & Intangibles194.49M554.05M601.72M548.64M505.9M478.45M432.16M424.82M419.63M418.34M
Goodwill113.37M348.35M420.14M420.14M420.14M420.14M381.54M381.54M381.54M381.54M
Intangible Assets81.13M205.7M181.58M128.5M85.76M58.31M50.62M43.28M38.09M36.8M
PP&E (Net)36.43M23.18M56.88M146.49M149.82M126.21M107.7M95.34M64.49M62.25M
Other Assets4.34M5.43M12.28M21.23M23.53M6.1M4.25M7.35M5.52M19.56M
Total Current Assets438.04M234.17M189.43M296.41M374.38M413.97M196.48M238.46M240.71M244.4M
Total Non-Current Assets255.42M661.94M758.54M892.58M924.98M785.35M606.28M529.21M614.98M619.49M
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 Payable9.25M15.07M2.87M10.11M1.69M2.03M1.96M8.36M6.74M7.79M
Total Debt238.2M375.94M367.63M709.15M748.92M912.76M611.15M544.09M435.22M429.68M
Net Debt-130.35M270.84M307.39M539.22M497.69M613.92M499.1M437.5M354.14M344.16M
Long-Term Debt238.2M250.94M264.39M611.41M478.15M813.52M525.62M344.12M387.69M429.68M
Short-Term Debt0125M75M0166.01M2.5M3.13M124.93M3.93M0
Other Liabilities12.87M36.12M29.19M8.61M351K7.09M267K131K140K142K
Total Current Liabilities147.52M261.95M230.71M111.84M274.43M82.53M75.63M240.48M137.46M129.33M
Total Non-Current Liabilities251.07M287.95M314.94M712.39M576.93M908.84M603M418.38M431.43M429.82M
Total Liabilities398.58M549.91M545.64M824.23M851.36M991.37M678.63M658.85M568.89M559.15M
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 Share21.5524.5627.5228.0432.7116.259.598.2020.4021.56
Tangible BV per Share7.34-14.74-13.64-14.14-4.23-21.15-23.80-23.81-9.45-8.04
Common Stock142K154K157K158K161K162K164K167K171K173K
Additional Paid-in Capital1.09B1.13B1.18B1.19B1.24B1.19B1.23B1.25B1.28B0
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-13.89M00000000
Treasury Stock-85.08M-177.69M-183.16M-183.16M-223.17M-266.18M-266.18M-266.18M-266.18M0
Preferred Stock0000000000

TREE Cash Flow Statement

LendingTree, Inc. (TREE) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations98.73M110.71M143.92M38.57M124.87M42.97M67.57M62.26M73.1M73.1M
Operating CF Growth %104.62%12.13%29.99%-73.2%223.76%-65.59%57.26%-7.86%17.42%6232.06%
Net Income19.42M109.32M39.46M-22.57M73.14M-187.95M-122.4M-41.7M151.31M180.95M
Depreciation & Amortization21.55M31.48M66.45M67.28M60.65M45.4M26.76M24.19M21.65M16.05M
Deferred Taxes-6.37M-63.9M-8.55M-9.63M10.91M132.67M-4.69M2.79M-129.75M-130.15M
Other Non-Cash Items27.67M-8.1M17.97M-24.76M-12.85M17.04M110.46M51.76M9.19M23.71M
Working Capital Changes13.11M-2.46M-23.58M-25.49M-6.97M-23.82M17.76M-3.35M-8.75M-4.57M
Cash from Investing-74.44M-383.04M-101.06M-122.15M13.38M-27.88M-12.48M-11.22M-9.93M-9.23M
Purchase of Investments000-80M-1.18M-16.44M0000
Sale/Maturity of Investments000046.31M00000
Net Investment Activity000-80M45.13M-16.44M0000
Acquisitions-66.39M-368.13M-105.1M000002.5M0
Other Investing-2K-13.24M24.08M03.32M7K50K2K02.55M
Cash from Financing253.13M4.84M-87.68M193.29M-56.96M32.67M-242.01M-56.5M-88.7M-116.51M
Dividends Paid0000000000
Share Repurchases-19.9M-93.7M-5.47M0-40.01M-43.01M000345K
Stock Issued000000000-33K
Net Stock Activity-19.9M-93.7M-5.47M0-40.01M-43.01M000312K
Debt Issuance (Net)1000K1000K-1000K1000K-1000K1000K-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 Effect0000000000
Cash at Beginning91.13M372.64M105.16M60.34M170.05M251.34M298.97M112.06M106.59M81.07M
Cash at End368.55M105.16M60.34M170.05M251.34M298.97M112.06M106.59M81.07M85.52M
Interest Paid1.33M3.59M7M4.74M019.02M23.68M38.2M00
Income Taxes Paid20.36M541K25K561K0404K1.28M1.68M00
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%

TREE Banking Ratios

LendingTree, Inc. (TREE) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201720182019202020212022202320242025TTM
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 Ratio91.85%87.89%89.24%94.74%94.05%97.46%100.28%91.04%86.91%87.71%
Equity / Assets42.52%38.63%42.44%30.68%34.48%17.34%15.46%14.18%33.52%35.27%
Book Value / Share21.5524.5627.5228.0432.7116.259.598.220.421.56
NII Growth-1152.76%-76.96%-62.99%-79.07%-29.11%44.49%100%--68%6.56%
Dividend Payout---------0%

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

TREE Frequently Asked Questions

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

Growth & Financials

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).

Dividend & Returns

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

Industry Metrics

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.

Explore More TREE

LendingTree, Inc. (TREE) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
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