Lendingtree Financials

TREE Stock  USD 37.93  0.22  0.58%   
Based on the measurements of operating efficiency obtained from Lendingtree's historical financial statements, Lendingtree may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At present, Lendingtree's Net Debt is projected to increase significantly based on the last few years of reporting. The current year's Other Stockholder Equity is expected to grow to about 1 B, whereas Short and Long Term Debt Total is forecasted to decline to about 408.4 M. Key indicators impacting Lendingtree's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio5.254.9999
Sufficiently Up
Slightly volatile
Current Ratio1.660.9916
Way Up
Very volatile
The essential information of the day-to-day investment outlook for Lendingtree includes many different criteria found on its balance sheet. An individual investor should monitor Lendingtree's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Lendingtree.

Net Income

(43.79 Million)

  
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Please note, the presentation of Lendingtree's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Lendingtree's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Lendingtree's management manipulating its earnings.

Lendingtree Stock Summary

Lendingtree competes with Voya Financial, B Riley, Voya Financial, B Riley, and B Riley. LendingTree, Inc., through its subsidiary, LT Intermediate Company, LLC, operates online consumer platform in the United States. LendingTree, Inc. was incorporated in 1996 and is headquartered in Charlotte, North Carolina. Lendingtree operates under Financial Conglomerates classification in the United States and is traded on NASDAQ Exchange. It employs 1407 people.
Specialization
Financial Services, Financial Conglomerates
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS52603B1070
CUSIP52603B107 894675107
LocationNorth Carolina; U.S.A
Business Address1415 Vantage Park
SectorConsumer Finance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.lendingtree.com
Phone704 541 5351
CurrencyUSD - US Dollar

Lendingtree Key Financial Ratios

Lendingtree Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets1.2B1.3B1.2B802.8M767.7M688.3M
Net Debt533.8M489.1M613.9M499.1M437.5M459.4M
Other Assets100.0M701.7M111.1M6.1M5.5M5.2M
Total Liab824.2M851.4M991.4M678.6M658.9M404.9M
Other Current Liab95.7M98.1M69.5M55.4M101.4M93.5M
Other Liab29.2M8.6M2.6M7.1M6.4M6.1M
Retained Earnings(640.9M)(571.8M)(715.3M)(837.7M)(879.4M)(923.4M)
Accounts Payable10.1M1.7M2.0M2.0M8.4M4.6M
Cash169.9M251.2M298.8M112.1M106.6M141.7M
Long Term Debt611.4M478.2M813.5M525.6M344.1M260.0M
Net Receivables89.8M97.7M83.1M55.0M118.3M124.2M
Inventory8.7M111K5.8M5K4.5K4.3K
Other Current Assets36.6M25.5M32.1M15.8M13.6M12.9M
Total Current Assets296.4M374.4M414.0M196.5M238.5M273.9M
Short Term Debt60.6M174.6M11.0M10.5M130.7M137.3M
Intangible Assets128.5M85.8M58.3M50.6M43.3M81.3M
Common Stock158K161K162K164K167K153.2K
Net Tangible Assets(199.4M)236.3M(57.9M)(270.5M)(243.5M)(231.3M)
Capital Surpluse1.1B1.2B1.2B1.2B1.4B1.1B

Lendingtree Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense36.3M46.9M26.0M21.7M27.8M29.2M
Total Revenue910.0M1.1B985.0M672.5M900.2M527.8M
Gross Profit855.5M1.0B927.2M633.7M864.1M488.2M
Operating Income(6.6M)8.0M(32.8M)(40.6M)44.6M46.9M
Ebit(14.0M)(13.1M)(28.9M)(4.9M)48.9M51.4M
Ebitda53.3M47.6M16.5M21.9M73.1M76.8M
Net Income(48.3M)69.1M(188.0M)(122.4M)(41.7M)(43.8M)
Income Tax Expense(20.0M)11.3M133.0M(2.5M)4.3M2.5M
Research Development43.6M52.9M55.6M47.2M46.4M24.0M
Cost Of Revenue54.5M57.3M57.8M38.8M36.1M31.8M
Income Before Tax(42.5M)84.4M(54.9M)(124.9M)(37.4M)(39.3M)
Non Recurring2.2M875K(648K)445K400.5K380.5K
Tax Provision(20.0M)11.3M133.0M(3.8M)4.3M6.0M
Net Interest Income(36.3M)(46.9M)(26.0M)5.0M(27.8M)(29.2M)

Lendingtree Key Cash Accounts

202020212022202320242025 (projected)
Change To Inventory1.3M(11.6M)5.8M(3.1M)(2.8M)(2.7M)
Change In Cash109.7M81.3M47.6M(186.9M)(5.5M)(5.2M)
Free Cash Flow(3.6M)99.5M31.5M55.0M51.0M52.8M
Depreciation67.3M60.6M45.4M26.8M26.7M30.4M
Other Non Cash Items(50.5M)(71.7M)17.0M110.5M96.4M101.3M
Capital Expenditures42.1M35.1M11.4M12.5M11.2M14.5M
Net Income(22.6M)73.1M(187.9M)(122.4M)(41.7M)(43.8M)
End Period Cash Flow170.0M251.3M299.0M112.1M106.6M141.8M
Change To Netincome60.1M(12.6M)(39.7M)201.0M231.1M242.7M
Change Receivables(16.8M)(22.5M)21.9M(10.3M)(9.3M)(9.7M)
Net Borrowings(52.5M)235.3M(8.9M)79.1M91.0M90.3M
Investments(80M)45.1M(27.9M)(12.4M)(11.2M)(11.8M)

Lendingtree Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Lendingtree's current stock value. Our valuation model uses many indicators to compare Lendingtree value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Lendingtree competition to find correlations between indicators driving Lendingtree's intrinsic value. More Info.
Lendingtree is rated fourth in return on equity category among its peers. It is currently regarded as top stock in return on asset category among its peers . At present, Lendingtree's Return On Equity is projected to slightly decrease based on the last few years of reporting. Comparative valuation analysis is a catch-all technique that is used if you cannot value Lendingtree by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Lendingtree Systematic Risk

Lendingtree's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Lendingtree volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourty-seven. The Beta measures systematic risk based on how returns on Lendingtree correlated with the market. If Beta is less than 0 Lendingtree generally moves in the opposite direction as compared to the market. If Lendingtree Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Lendingtree is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Lendingtree is generally in the same direction as the market. If Beta > 1 Lendingtree moves generally in the same direction as, but more than the movement of the benchmark.

Lendingtree Thematic Clasifications

Lendingtree is part of several thematic ideas from Momentum to Trump Equities. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Get More Thematic Ideas
Today, most investors in Lendingtree Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Lendingtree's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Lendingtree growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.19

At present, Lendingtree's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

Lendingtree July 19, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Lendingtree help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Lendingtree. We use our internally-developed statistical techniques to arrive at the intrinsic value of Lendingtree based on widely used predictive technical indicators. In general, we focus on analyzing Lendingtree Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Lendingtree's daily price indicators and compare them against related drivers.

Complementary Tools for Lendingtree Stock analysis

When running Lendingtree's price analysis, check to measure Lendingtree's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Lendingtree is operating at the current time. Most of Lendingtree's value examination focuses on studying past and present price action to predict the probability of Lendingtree's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Lendingtree's price. Additionally, you may evaluate how the addition of Lendingtree to your portfolios can decrease your overall portfolio volatility.
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