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Earnings transcript
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TREE
LendingTree, Inc.
$40.75
-1.46
(-3.46%)
| Exchange: | NASDAQ |
| Market Cap: | 564.624M |
| Shares Outstanding: | 9.328M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Conglomerates | |||||
| CEO: | Scott Peyree | |||||
| Full Time Employees: | 927 | |||||
| Address: |
| |||||
| Website: | https://www.lendingtree.com |
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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 672,502 | 900,219 | 1,117,324 |
| Gross Profit | 633,744 | 864,147 | 1,053,150 |
| EBITDA | 35,259 | 73,121 | 103,756 |
| Operating Income | -40,611 | 44,627 | 82,107 |
| Net Income | -122,404 | -41,704 | 151,308 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 802,759 | 767,674 | 855,692 |
| Total Liabilities | 678,627 | 658,853 | 568,895 |
| Total Stockholders Equity | 124,132 | 108,821 | 286,797 |
| Total Debt | 611,152 | 544,092 | 431,291 |
| Cash and Cash Equivalents | 112,051 | 106,594 | 81,073 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 67,571 | 62,258 | 73,103 |
| Capital Expenditure | -12,528 | -11,220 | -12,423 |
| Free Cash Flow | 55,043 | 51,038 | 60,680 |
| Net Income | -122,404 | -41,704 | 151,308 |
| Net Change in Cash | -186,913 | -5,462 | -25,521 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,709,604.918 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 1,753,185.846 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 1,731,003 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 102,317.060 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 104,925.308 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 103,597.700 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 131,995.644 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 136,386.363 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 134,151.489 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 1,431,789.305 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 1,468,288.209 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 1,449,710.138 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 9.540 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 9.700 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 9.390 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Financial Performance: LendingTree reported robust financial results in Q2 2025, as highlighted in the earnings call transcript, with key metrics such as revenue and net income showing positive growth. This performance aligns with historical data from income statements, indicating consistent operational success over recent quarters.
- Innovative Strategies: The company is leveraging AI and strategic investments, as noted in the Q2 2025 earnings call summary, to enhance its service offerings and operational efficiency. This focus on innovation positions TREE favorably within the competitive financial services sector.
- Solid Market Position: With a market capitalization and enterprise value (from Key Metrics TTM) reflecting a significant presence in the industry, LendingTree benefits from brand recognition and a substantial customer base, as supported by its sector and industry performance data.
- Positive Cash Flow Metrics: Data from the cash flow statements indicates strong net cash provided by operating activities and positive free cash flow, demonstrating the company’s ability to generate liquidity for reinvestment or debt management.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates TREE intrinsic value between $45.36 – $56.60 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about TREE valuation
Is LendingTree, Inc. (TREE) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for LendingTree, Inc. (TREE) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is TREE a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether TREE trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is TREE’s P/E ratio?
You can see TREE’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for TREE?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is TREE a good long-term investment?
Whether TREE fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
TREE
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
-3.46
Trading Metrics:
| Open: | 39.99 | Previous Close: | 42.21 | |
| Day Low: | 39.99 | Day High: | 42.3 | |
| Year Low: | 32.65 | Year High: | 77.35 | |
| Price Avg 50: | 44.33 | Price Avg 200: | 53.01 | |
| Volume: | 181574 | Average Volume: | 368895 |
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Login — it's freeTREE full analysis
Welcome to MARKETSNAP’s SWOT analysis for LendingTree, a key player in the online lending and financial services space. If you’re not familiar with LendingTree, let me give you the quick rundown: they’re a marketplace that connects consumers with lenders for everything from mortgages to personal loans, operating in the financial services sector under the broader umbrella of technology-driven solutions. They’ve carved out a solid niche by making loan shopping easier for everyday folks like us. Today, we’re diving deep into…
