LendingTree, Inc. (TREE) Stock Analysis — April 2026 Rating, Price, and Forecast
Company Overview — What Does LendingTree, Inc. Do?
LendingTree, 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. LendingTree, Inc. (TREE) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Douglas R. Lebda and employs approximately 1,250 people, headquartered in Charlotte, North Carolina. With a market capitalization of $585M, TREE is one of the notable companies in the Financials sector.
LendingTree, Inc. (TREE) Stock Rating — Reduce (April 2026)
As of April 2026, LendingTree, Inc. receives a Reduce rating with a composite score of 50.7/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.TREE ranks #2,359 out of 4,446 stocks in our coverage universe. Within the Financials sector, LendingTree, Inc. ranks #639 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).
TREE Stock Price and 52-Week Range
LendingTree, Inc. (TREE) currently trades at $41.38. The stock gained $0.09 (0.2%) in the most recent trading session. The 52-week high for TREE is $77.34, which means the stock is currently trading -46.5% from its annual peak. The 52-week low is $32.65, putting the stock 26.7% above its annual trough. Recent trading volume was 170K shares, suggesting relatively thin trading activity.
Is TREE Overvalued or Undervalued? — Valuation Analysis
LendingTree, Inc. (TREE) carries a value factor score of 75/100 in the Blank Capital model, suggesting the stock trades at a meaningful discount to its fundamental earning power. The trailing price-to-earnings ratio is 3.71x, compared to the Financials sector average of 14.88x — a discount of 75%. The price-to-book ratio stands at 1.98x, versus the sector average of 1.22x. The price-to-sales ratio is 0.54x, compared to 0.90x for the average Financials stock. On an enterprise value basis, TREE trades at 10.84x EV/EBITDA, versus 3.26x for the sector.
Based on these multiples, LendingTree, Inc. appears attractively valued relative to both its sector peers and the broader market. Value-oriented investors may find the current entry point compelling, particularly if the company's fundamental quality metrics also score well.
LendingTree, Inc. Profitability — ROE, Margins, and Quality Score
LendingTree, Inc. (TREE) earns a quality factor score of 80/100, reflecting elite profitability and capital efficiency that places it among the highest-quality businesses in the market. The return on equity (ROE) is -17.9%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -6.0% versus the sector average of 1.2%.
On a margin basis, LendingTree, Inc. reports gross margins of 32.0%. The operating margin is 4.6% (sector: 21.8%). Net profit margin stands at -5.1%, versus 17.7% for the average Financials stock. Revenue growth is running at 46.5% on a trailing basis, compared to 9.4% for the sector. These metrics collectively paint a picture of a highly profitable business with durable competitive advantages.
TREE Debt, Balance Sheet, and Financial Health
LendingTree, Inc. has a debt-to-equity ratio of 198.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.67x, suggesting adequate working capital coverage. Total debt on the balance sheet is $392M. Cash and equivalents stand at $69M.
TREE has a beta of 1.25, meaning it is more volatile than the broader market — a $10,000 investment in TREE would be expected to move 24.7% more than the S&P 500 on any given day. The stability factor score for LendingTree, Inc. is 36/100, suggesting elevated price swings that may be unsuitable for conservative portfolios.
LendingTree, Inc. Revenue and Earnings History — Quarterly Trend
In TTM 2026, LendingTree, Inc. reported revenue of $1.06B and earnings per share (EPS) of $11.14. Net income for the quarter was $-51M. Gross margin was 32.0%. Operating income came in at $53M.
In FY 2025, LendingTree, Inc. reported revenue of $1.12B and earnings per share (EPS) of $11.14. Net income for the quarter was $151M. Gross margin was 31.5%. Revenue grew 24.1% year-over-year compared to FY 2024. Operating income came in at $65M.
In Q3 2025, LendingTree, Inc. reported revenue of $308M and earnings per share (EPS) of $0.75. Net income for the quarter was $10M. Gross margin was 30.7%. Revenue grew 18.0% year-over-year compared to Q3 2024. Operating income came in at $29M.
In Q2 2025, LendingTree, Inc. reported revenue of $250M and earnings per share (EPS) of $0.65. Net income for the quarter was $9M. Gross margin was 34.0%. Revenue grew 19.0% year-over-year compared to Q2 2024. Operating income came in at $21M.
Over the past 8 quarters, LendingTree, Inc. has demonstrated a growth trajectory, with revenue expanding from $210M to $1.06B. Investors analyzing TREE stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.
TREE Dividend Yield and Income Analysis
LendingTree, Inc. (TREE) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.
TREE Momentum and Technical Analysis Profile
LendingTree, Inc. (TREE) has a momentum factor score of 24/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 23/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 35/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.
TREE vs Competitors — Financials Sector Ranking and Peer Comparison
Within the Financials sector, LendingTree, Inc. (TREE) ranks #639 out of 891 stocks based on the Blank Capital composite score. This places TREE in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.
Comparing TREE against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full TREE vs S&P 500 (SPY) comparison to assess how LendingTree, Inc. stacks up against the broader market across all factor dimensions.
TREE Next Earnings Date
No upcoming earnings date has been announced for LendingTree, Inc. (TREE) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.
Should You Buy TREE? — Investment Thesis Summary
The quantitative profile for LendingTree, Inc. suggests caution. The quality score of 80/100 indicates above-average profitability and business fundamentals. The value score of 75/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 24/100, a headwind for near-term performance. High volatility (stability score 36/100) increases portfolio risk.
In summary, LendingTree, Inc. (TREE) earns a Reduce rating with a composite score of 50.7/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on TREE stock.
Related Resources for TREE Investors
Explore more research and tools: TREE vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare TREE head-to-head with peers: TREE vs WTM, TREE vs OPY, TREE vs ACT.