LendingTree, Inc. (TREE)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
LendingTree, Inc. (TREE) trades at $45.30 with AI Score 62/100 (Grade B+). LendingTree, Inc. operates an online consumer platform connecting borrowers with lenders for various financial products. Market cap: $632.11M, Sector: Financial services.
Price live · AI analysis from May 10, 2026TREE stock analysis for 2026: Analysts have set a consensus price target of $60.00 for LendingTree, Inc., suggesting 32.4% upside from the current price of $45.30. The AI MoonshotScore is 62/100, indicating a bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
TREE: 5/7 perspectives are bullish. Dominant signal: Moon AI bullish.
How is this calculated? →LendingTree, Inc. (TREE) Financial Services Profile
LendingTree, Inc. is a leading online consumer platform in the United States, connecting borrowers with a diverse network of lenders. The company operates across home, consumer, and insurance segments, providing access to loans, credit cards, and insurance products. Its marketplace model and brand recognition differentiate it in the competitive fintech landscape.
What Is the Investment Thesis for TREE?
LendingTree's investment thesis rests on its established online platform and brand recognition within the financial services sector. With a market capitalization of $632.11M and a P/E ratio of 3.6, LendingTree demonstrates profitability, supported by a 15.0% profit margin and a high gross margin of 96.3%. Key value drivers include the company's ability to generate leads for lenders and its diversified revenue streams across multiple financial product categories. Growth catalysts include expansion within the insurance segment and continued development of its Stash platform. Potential risks include increased competition from other online lending platforms and fluctuations in interest rates impacting demand for loan products. The company's beta of 2.15 indicates higher volatility compared to the market, suggesting potential for significant price swings.
Based on FMP financials and quantitative analysis
TREE Key Highlights
- Market Cap of $632.11M indicates LendingTree's current valuation in the financial marketplace.
- P/E Ratio of 3.6 suggests the company is potentially undervalued compared to its earnings.
- Profit Margin of 15.0% demonstrates the company's ability to generate profit from its revenue.
- Gross Margin of 96.3% highlights the efficiency of LendingTree's business model in generating revenue from its services.
- Beta of 2.15 indicates higher volatility compared to the market, reflecting the sensitivity of LendingTree's stock to market movements.
Who Are TREE's Competitors?
TREE is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BHF Brighthouse Financial, Inc. | $64.88 | +1.36% | $3.73B | — |
| AMLTF AMP Limited | $1.05 | +0.00% | $2.55B | 62 |
| PHLLF Petershill Partners PLC | $4.13 | +0.07% | $4.47B | 59 |
| APLMW Apollomics, Inc. | $0.02 | +15.15% | $280.82M | 59 |
| ACOG Alpha Cognition Inc. | $7.96 | +0.89% | $123.63M | 58 |
| PACS PACS Group, Inc. | $44.85 | +0.84% | $7.10B | 55 |
| RILYN B. Riley Financial, Inc. - 6.50 | $24.96 | -0.04% | $320.63M | 54 |
| MSDL Morgan Stanley Direct Lending Fund | $15.41 | +0.10% | $1.31B | 53 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TREE's Key Strengths?
- Established online platform and brand recognition
- Diversified revenue streams across multiple financial products
- Extensive network of lenders and financial institutions
- Proprietary technology and data analytics capabilities
What Are TREE's Weaknesses?
- Reliance on lead generation fees
- Sensitivity to interest rate fluctuations
- Competition from other online lending platforms
- Dependence on marketing spend for customer acquisition
What Could Drive TREE Stock Higher?
- Expansion of the Stash platform with new investment and banking features.
- Strategic partnerships to broaden LendingTree's reach and product offerings.
- Implementation of enhanced personalization and AI-driven recommendations to improve user engagement.
- Potential acquisitions of complementary businesses to expand LendingTree's market presence.
What Are the Key Risks for TREE?
- Financial-distress signal — its Altman Z-Score of 1.53 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from other online lending platforms and fintech companies.
- Regulatory changes impacting the financial services industry.
- Economic downturns reducing demand for loan products.
- Sensitivity to interest rate fluctuations impacting demand for mortgage and loan products.
- Data security breaches compromising customer information.
What Are the Growth Opportunities for TREE?
- Expansion of Insurance Segment: LendingTree has an opportunity to further expand its insurance segment by increasing its partnerships with insurance providers and enhancing its platform's capabilities for comparing insurance quotes. The market for online insurance comparison is growing, driven by consumers seeking convenience and competitive pricing. By investing in technology and marketing to attract more users to its insurance platform, LendingTree can increase its revenue from this segment. The timeline for realizing this growth is ongoing, with continuous improvements and expansions planned over the next several years. This segment leverages LendingTree's existing platform and brand recognition, providing a competitive advantage.
- Development of Stash Platform: LendingTree's Stash platform, which offers consumer investing and banking services, presents a significant growth opportunity. By expanding the range of investment products and banking services offered on Stash, LendingTree can attract more users and increase its revenue from this platform. The market for consumer investing and banking is large and growing, driven by increasing financial literacy and a desire for accessible investment options. The timeline for this growth is ongoing, with continuous product development and marketing efforts planned. Stash differentiates itself through its Stock-Back rewards program, providing a competitive edge.
- Strategic Partnerships: LendingTree can pursue strategic partnerships with other companies in the financial services ecosystem to expand its reach and offer new products and services. For example, partnerships with credit bureaus, financial advisors, or real estate companies could provide access to new customer segments and enhance the value proposition of LendingTree's platform. The timeline for establishing these partnerships is near-term, with potential agreements being negotiated and implemented within the next 1-2 years. These partnerships can leverage the strengths of both companies, creating synergistic growth opportunities.
- Enhanced Personalization and AI: Implementing enhanced personalization and AI-driven recommendations on its platform can improve user engagement and conversion rates. By leveraging data analytics and machine learning, LendingTree can provide more relevant and targeted offers to consumers, increasing the likelihood of them finding the right financial product. The timeline for implementing these enhancements is ongoing, with continuous improvements and refinements being made to the platform. This can lead to increased customer satisfaction and loyalty, driving long-term growth.
- Geographic Expansion: While LendingTree primarily operates in the United States, there is an opportunity to expand its platform to other countries. By adapting its platform to local markets and partnering with local lenders and financial institutions, LendingTree can tap into new sources of revenue and diversify its geographic footprint. The timeline for geographic expansion is longer-term, with potential entry into new markets within the next 3-5 years. This expansion would require careful planning and execution, but it could significantly increase LendingTree's overall growth potential.
What Opportunities Does TREE Have?
- Expansion of insurance segment
- Development of Stash platform
- Strategic partnerships with other financial services companies
- Enhanced personalization and AI-driven recommendations
What Threats Does TREE Face?
- Increased competition from fintech companies
- Regulatory changes impacting the financial services industry
- Economic downturns reducing demand for loan products
- Data security breaches compromising customer information
What Are TREE's Competitive Advantages?
- Brand recognition and established online platform.
- Extensive network of lenders and financial institutions.
- Diversified revenue streams across multiple financial product categories.
- Proprietary technology and data analytics capabilities.
What Does TREE Do?
LendingTree, Inc., established in 1996 and headquartered in Charlotte, North Carolina, operates as an online consumer platform facilitating connections between borrowers and lenders. Originally known as Tree.com, the company rebranded as LendingTree, Inc. in 2015 to better reflect its core business. Through its subsidiary, LT Intermediate Company, LLC, LendingTree provides a marketplace for various financial products across three primary segments: Home, Consumer, and Insurance. The Home segment focuses on mortgage-related products, including purchase mortgages, refinance mortgages, reverse mortgages, and home equity loans, as well as lines of credit and real estate brokerage services. The Consumer segment offers credit cards, personal loans, small business loans, student loans, auto loans, deposit accounts, and credit-related services like credit repair and debt settlement. The Insurance segment provides a platform for consumers to compare insurance quotes for home and automobile coverage, connecting them with insurance lead aggregators. LendingTree also operates several personal finance websites, including Student Loan Hero, QuoteWizard.com, ValuePenguin, and Stash, each catering to specific financial needs and offering tools and resources for consumers. Stash provides 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.
What Products and Services Does TREE Offer?
- Operates an online platform connecting borrowers with lenders.
- Offers a marketplace for various financial products, including loans and credit cards.
- Provides access to mortgage-related products, such as purchase and refinance mortgages.
- Offers insurance comparison services, connecting consumers with insurance providers.
- Operates personal finance websites like Student Loan Hero and ValuePenguin.
- Provides a consumer investing and banking platform through Stash.
How Does TREE Make Money?
- Generates revenue through lead generation fees from lenders.
- Earns commissions on completed transactions.
- Operates a marketplace model, connecting borrowers and lenders.
- Offers advertising and subscription services on its personal finance websites.
What Industry Does TREE Operate In?
LendingTree operates within the financial conglomerates industry, which is experiencing rapid digital transformation. The market is characterized by increasing competition from fintech companies and a growing demand for online financial services. LendingTree's platform model positions it as a key player in connecting consumers with a wide range of financial products. The industry is influenced by factors such as interest rates, regulatory changes, and consumer credit trends. Competitors include both traditional financial institutions and online lending platforms, requiring LendingTree to continuously innovate and adapt to changing market dynamics.
Who Are TREE's Key Customers?
- Consumers seeking loans, credit cards, or insurance.
- Lenders looking to acquire new customers.
- Insurance providers seeking to generate leads.
- Users of personal finance websites seeking financial advice and tools.
FY2026 estForward Outlook
Wall Street analysts project LendingTree, Inc. revenue of about $1.32B for fiscal 2026, with EPS near $5.64. The estimate reflects 5 contributing analysts.
F-Score 7/9Financial Health
LendingTree, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 1.53 places it in the distress zone, a signal of elevated financial risk.
ROE 86%Key Financial Metrics
Return on equity for LendingTree, Inc. stands at 86.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 20.9%, showing how much profit it generates from its asset base. TREE trades at a trailing price-to-earnings ratio of 3.59, below the Financial Services sector average of ~18x. Its free cash flow yield is 11.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.89 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 29.1%, the inverse of the P/E and a quick read on earnings relative to price.
LendingTree, Inc. (TREE) Valuation Context
Valued at $632.11M, TREE is classified as a small-cap stock. Relative to its peer group, TREE's quantitative score of 62/100 is roughly in line with the peer average of 60/100.
Company Profile
LendingTree, Inc. operates in the Financial - Credit Services industry within the Financial Services sector. It is headquartered in Charlotte, US. The company is led by CEO Scott Peyree. TREE has traded publicly since 2008.
TREE Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- LendingTree's recent strategic partnerships signal potential expansion into new markets, suggesting future revenue streams.
- Positive community sentiment indicates growing user confidence in LendingTree's platform and services.
- Insider buying activity could reflect strong belief in the company's long-term prospects and intrinsic value.
- Market perception suggests LendingTree is adapting well to evolving consumer finance trends, potentially attracting a wider customer base.
Bear Case
- Increased competition in the online lending space may erode LendingTree's market share and profitability.
- Negative community sentiment regarding customer service experiences could damage the company's reputation.
- Recent insider selling activity might indicate concerns about short-term performance or market volatility.
- Market perception suggests LendingTree faces challenges in maintaining growth momentum amidst economic uncertainty.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
TREE Latest News
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5 Small-Cap Stocks to Buy No Matter the Headlines
benzinga · Jun 22, 2026
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Earnings Scheduled For April 30, 2026
benzinga · Apr 30, 2026
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Earnings Scheduled For October 30, 2025
benzinga · Oct 30, 2025
TREE Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TREE.
Price Targets
Consensus target: $60.00
TREE MoonshotScore
What does this score mean?
The MoonshotScore rates TREE's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest LendingTree, Inc. Analysis
Leadership: Scott Peyree
CEO
Scott Peyree serves as the CEO of LendingTree, Inc., bringing extensive experience in the financial services and technology sectors. His career spans various leadership roles, focusing on driving growth and innovation within online marketplaces. Peyree's background includes a strong emphasis on digital strategy and customer acquisition. He has a proven track record of building and scaling successful online platforms. His expertise encompasses financial technology, marketing, and business development, making him well-suited to lead LendingTree in a rapidly evolving industry.
Track Record: Under Scott Peyree's leadership, LendingTree has focused on expanding its product offerings and enhancing its technology platform. Key achievements include the growth of the Stash platform and the expansion of the insurance segment. Peyree has also emphasized strategic partnerships to broaden LendingTree's reach and improve its customer acquisition efforts. His tenure has been marked by a focus on innovation and adapting to changing market dynamics.
Common Questions About TREE (Financial Services)
What does LendingTree, Inc. do?
LendingTree, Inc. operates as an online consumer platform in the United States, connecting borrowers with a network of lenders for various financial products. The company's core business involves generating leads for lenders through its platform, which offers a marketplace for loans, credit cards, insurance, and other financial services. LendingTree earns revenue through lead generation fees and commissions on completed transactions. Its platform aims to provide consumers with a convenient and transparent way to compare offers from multiple lenders, empowering them to make informed financial decisions. The company also operates several personal finance websites, providing tools and resources for consumers to manage their finances.
What do analysts say about TREE stock?
Analyst consensus on TREE stock is mixed, reflecting the company's position in a competitive and evolving financial services landscape. Key valuation metrics, such as the P/E ratio of 3.6, suggest potential undervaluation compared to its earnings. However, growth considerations include the company's sensitivity to interest rate fluctuations and competition from other online lending platforms. Analysts are closely monitoring LendingTree's ability to expand its insurance segment and develop its Stash platform. The company's beta of 2.15 indicates higher volatility compared to the market, suggesting potential for significant price swings. Investors should conduct their own due diligence and consider their risk tolerance before investing in TREE stock.
What are the main risks for TREE?
LendingTree faces several key risks, including increased competition from other online lending platforms and fintech companies, which could erode its market share and pricing power. Regulatory changes impacting the financial services industry could also pose a risk, potentially increasing compliance costs and limiting the company's ability to offer certain products or services. Economic downturns could reduce demand for loan products, impacting LendingTree's revenue. The company is also sensitive to interest rate fluctuations, which can affect demand for mortgage and loan products. Data security breaches compromising customer information represent another significant risk, potentially damaging the company's reputation and leading to financial losses. Effective risk management and mitigation strategies are crucial for LendingTree to navigate these challenges.
What are the key factors to evaluate for TREE?
LendingTree, Inc. (TREE) holds an AI score of 62/100 (moderate). P/E: 3.6x vs the S&P 500's ~20-25x. Analysts target $60.00 (+32%). Not financial advice.
How frequently does TREE data refresh on this page?
TREE prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven TREE's recent stock price performance?
LendingTree, Inc. (TREE) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established online platform and brand recognition. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider TREE overvalued or undervalued right now?
LendingTree, Inc. (TREE) trades at 3.6x earnings. Analysts target $60.00 (+32%) — upside seen. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying TREE?
Before investing in LendingTree, Inc. (TREE), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on publicly available sources and may be subject to change.
- Financial data is as of 2026-05-10.