What is LendingTree, Inc.'s (TREE) StockRank?

MoatMap's StockRank for LendingTree, Inc. (TREE) is 49/100, with a Hold signal. This is a composite score combining Quality (69), Value (60), and Momentum (10) factor ranks across MoatMap's 20,000+ stock universe.

Does LendingTree, Inc. have an economic moat?

LendingTree, Inc. (TREE) has a Quality factor score of 69/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is LendingTree, Inc. a buy, hold, or sell?

MoatMap's current signal for LendingTree, Inc. (TREE) is Hold, based on a StockRank of 49/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is LendingTree, Inc. in?

LendingTree, Inc. (TREE) operates in the Financial Services sector, specifically the Financial Conglomerates industry (United States).

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

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TREE

HOLDREMOVE

LendingTree, Inc. · Financial Services · United States · $536M · Avg Vol: $9M/d

StockRank

P/E (TTM)

2.8x

ROE

88.6%

D/E

1.4x

Dividend %

—

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

LendingTree is a highly cyclical financial lead-generation platform. It is severely impacted by high interest rates and lacks the structural moat or pricing power of a quality compounder.

COMPANY DESCRIPTION

LendingTree, Inc. operates a leading online marketplace that connects consumers with a diverse network of lenders for a wide array of financial products, including mortgages, personal loans, auto loans, and credit cards. The company's competitive moat is underpinned by its strong brand recognition, extensive lender network, and sophisticated technology that efficiently matches consumers with competitive loan offers, fostering a high-volume, asset-light model. LendingTree benefits from powerful network effects, solidifying its position as a prominent digital intermediary in consumer finance.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	985M	673M	900M	1.1B	4.3%
EPS	-14.69	-9.46	-3.14	11.14	—
Shares	16M	16M	17M	17M	+5.9%
Debt	913M	611M	544M	440M	-21.6%
Equity	208M	124M	109M	287M	11.3%
Op CF	43M	68M	62M	73M	19.4%
Inv CF	-28M	-12M	-11M	-10M	—
Fin CF	33M	-242M	-57M	-89M	—

PRICE (1M)-1.9%

SMA 50SMA 200

$39.07

RSI (14)

52.6

52W High

$77.35

From 52W High

0.5%

SCORE BREAKDOWN

Quality

ROIC

11.4%87.7

ROE

88.6%99.4

GP/Assets

135.6%98.8

Op. Margin

9.8%25.6

FCF/Assets

7.2%74.4

Piotroski

—68.0

Int. Cover

—N/A

D/E Ratio

1.44x24.2

Current Ratio

1.89x53.1

Value

P/E (TTM)

2.8x97.1

EV/EBITDA

7.5x49.1

P/FCF

8.7x68.2

P/B

1.7x27.0

P/S

0.4x94.3

Div Yield

—N/A

Momentum

52W High %

51%6.2

RS 6M

-35%11.8

SMA 50/200

0.79x4.5

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

-48%4.9

Q Growth

—N/A

FUNDAMENTALS

Market Cap

$536M

P/E (Forward)

5.4x

Gross Margin

96.3%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of TREE are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
TREE	LendingTree, Inc.(you)	$536M	49	HOLD
RILY	BRC Group Holdings, Inc.	$381M	65	HOLD
HTH	Hilltop Holdings Inc.	$2.2B	31	SELL
FRHC	Freedom Holdings Corp.	$8.8B	27	SELL
VOYA	Voya Financial, Inc.	$7.3B	81	STRONG BUY
HBCP	Home Bancorp, Inc.	$507M	49	HOLD
EIM	Eaton Vance Municipal Bond Fund	$507M	48	HOLD
CBNK	Capital Bancorp, Inc.	$521M	47	HOLD
BLW	BlackRock Limited Duration Income Trust	$490M	48	HOLD
BWB	Bridgewater Bancshares, Inc.	$529M	51	HOLD

Peer medians: ROE 10.8% · P/E 13.6x · Gross margin 0.0%

LendingTree, Inc. (TREE) — Stock Score Summary

LendingTree, Inc. (TREE) has a MoatMap StockRank of 49/100 based on Quality (69/100), Value (60/100), and Momentum (10/100) factor scores. The current signal is HOLD. LendingTree is a highly cyclical financial lead-generation platform. It is severely impacted by high interest rates and lacks the structural moat or pricing power of a quality compounder.

Key Financial Metrics

Price	$39.07
Market Cap	$536M
P/E (TTM)	2.83
P/E (Forward)	5.39
Price/Book	1.67
Return on Equity	88.6%
Return on Invested Capital	11.4%
Debt/Equity	143.68
Gross Margin	96.3%
Operating Margin	9.8%
Revenue Growth	36.5%
Free Cash Flow	$62M

LendingTree, Inc. operates in the Financial Conglomerates industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is LendingTree, Inc.’s (TREE) StockRank?: MoatMap’s StockRank for LendingTree, Inc. (TREE) is 49/100, with a Hold signal. It is a composite of Quality (69), Value (60), and Momentum (10) factor ranks across MoatMap’s 20,000+ stock universe.
Does LendingTree, Inc. have an economic moat?: LendingTree, Inc. (TREE) has a Quality factor score of 69/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is LendingTree, Inc. a buy, hold, or sell?: MoatMap’s current signal for LendingTree, Inc. (TREE) is Hold, based on a StockRank of 49/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is LendingTree, Inc. in?: LendingTree, Inc. (TREE) operates in the Financial Services sector, specifically the Financial Conglomerates industry (United States).