LendingTree Inc. Common Stock (TREE)

FairStock Score: 90/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I begin with the business, not the ticker. LendingTree operates an online consumer platform with Home, Consumer, and Insurance segments, matching borrowers with lenders and other financial offers. That online marketplace can produce good cash flow, but I do not see a wide moat: consumers can shop elsewhere, and lenders control credit availability. The record is uneven. In fiscal 2023, revenue was $672.5M and net income was a loss of $122.4M. In fiscal 2024, revenue rose to $900.2M but the net loss was $41.7M. In fiscal 2025, revenue reached $1.1B and net income was $151.3M. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $313.4M, net income $9.6M, and diluted EPS $0.68. So the turnaround is real but recent, and the 3.05% net margin is thin. Financial health is mixed: FairStock reports ROE of 82.78% but ROCE of only 7.75%, D/E of 1.36, an Altman Z-score of -0.11, and a Piotroski F-score of 4/9. Cash generation is a bright spot: trailing free cash flow is $73.9M, a 21.2% FCF yield on the $347.9M market cap. At the 2026-10-13 close of $24.78, FairStock's P/E is 1.91, P/B is 1.08, EV/EBITDA is 4.65, PEG is 0.24, and the Graham Number is $81.58, giving a 69.62% margin of safety. The price may be discounting real balance-sheet and credit-cycle risks. I would need to see sustained profits and lower leverage before calling this a durable bargain.

In plain English: LendingTree runs an online marketplace that connects consumers with loans, credit cards, and insurance offers. After losses in 2023 and 2024, it returned to profit in 2025 and has stayed profitable in recent 2026 quarters, but profits are thin and debt is meaningful. At the latest close, the shares look inexpensive compared with its reported profits, cash generation, and accounting value, though the business remains risky and volatile.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer