TREE
Financial ServicesLendingTree, Inc. · Financial - Credit Services · $510M
What is LendingTree, Inc.?
LendingTree operates one of the United States' largest online consumer financial marketplaces, connecting borrowers and shoppers with lenders, insurers, and other financial service providers. The company is headquartered in Charlotte, North Carolina.
LendingTree generates revenue by matching consumers with financial products across three core segments: Home, Consumer, and Insurance. In the Home segment, it facilitates mortgage origination, refinancing, and home equity products. The Consumer segment covers personal loans, credit cards, auto loans, student loans, and deposit accounts. The Insurance segment connects consumers with quotes for home and auto coverage. Additional owned brands — including Student Loan Hero, QuoteWizard, ValuePenguin, and Stash — extend the platform's reach into personal finance education and investing.
LendingTree, Inc. was incorporated in 2008 and is based in Charlotte, US.
- Mortgage and home equity loan marketplace
- Personal, auto, and student loan matching
- Credit card and deposit account comparison
- Insurance quote aggregation via QuoteWizard
- Personal finance tools through ValuePenguin and Student Loan Hero
Is TREE a Good Stock to Buy?
UQS Score rates TREE as Good overall, reflecting a mixed but not dismissible profile for investors researching the online financial marketplace space.
The Quality pillar lands at a Good rating, suggesting the underlying business generates reasonable operational results relative to its size. Valuation is rated Attractive, meaning the stock may be priced below what the fundamentals would typically warrant — a point of interest for value-oriented investors.
The Moat and Risk pillars both register as Weak, indicating limited durable competitive advantages and above-average exposure to financial, operational, or market risks. The Growth pillar sits at Neutral, pointing to a business not currently in a high-expansion phase.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does TREE pay dividends?
No — LendingTree, Inc. does not currently pay a dividend.
LendingTree does not currently pay a dividend. For a marketplace-model company operating in a competitive and capital-intensive environment, retaining cash to invest in platform development, brand acquisitions, and technology tends to take priority over returning capital to shareholders through distributions.
When does TREE report earnings?
LendingTree reports earnings on a quarterly cadence, consistent with standard practice for US-listed public companies.
Results have reflected the broader pressures facing online financial marketplaces, including sensitivity to interest rate cycles and shifts in consumer demand for mortgage and loan products. Revenue mix across the Home, Consumer, and Insurance segments can vary meaningfully quarter to quarter.
For the most recent quarter's results and guidance, visit LendingTree's investor relations page directly.
TREE Price History
-76.6% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in LendingTree, Inc.?
Based on LendingTree, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
TREE Long-term Outlook
The Growth pillar at Neutral and Risk pillar at Weak together suggest a near-term outlook that is neither strongly expansionary nor deteriorating rapidly. The business remains sensitive to macroeconomic conditions — particularly interest rate movements — which directly affect mortgage origination volumes and consumer loan demand. An Attractive Valuation rating indicates the market may already be pricing in a cautious scenario, which could create a margin of safety if operating conditions improve.
Growth drivers
- Recovery in mortgage and refinance activity as interest rate conditions evolve
- Expansion of the Insurance segment through QuoteWizard and lead aggregation partnerships
- Cross-sell opportunities across owned personal finance brands like Stash and ValuePenguin
Key risks
- Weak Moat rating signals vulnerability to competition from banks, fintechs, and other aggregators
- Weak Risk pillar points to elevated sensitivity to credit cycle downturns and rate volatility
- Dependence on third-party lenders and insurers for marketplace liquidity
TREE vs Peers
LendingTree operates in a competitive financial services landscape; the following tickers appear in its peer group on UQS Score.
A blank-check acquisition vehicle rather than an operating financial marketplace, representing a structurally different risk and return profile than LendingTree.
Another special-purpose acquisition company, focused on deal-making rather than consumer financial services operations.
A SPAC-structure entity seeking a merger target, contrasting with LendingTree's established multi-segment marketplace business model.
Frequently Asked Questions
What does LendingTree do?
LendingTree operates an online marketplace that connects consumers with financial products — including mortgages, personal loans, credit cards, and insurance quotes. It earns revenue when lenders and insurers pay for qualified consumer leads generated through its platform and owned brands like QuoteWizard and ValuePenguin.
Does TREE pay dividends?
LendingTree does not currently pay a dividend. The company has historically prioritized reinvesting capital into its platform and acquiring complementary personal finance brands rather than distributing cash to shareholders.
When does TREE report earnings?
TREE reports on a quarterly cadence like most US-listed companies. The company does not pre-announce specific dates far in advance, so check LendingTree's investor relations page for the current earnings calendar.
Is TREE a good stock to buy?
UQS Score rates TREE as Good overall. The Valuation pillar is Attractive and Quality is Good, but the Moat and Risk pillars are both Weak. Whether that profile fits your investment criteria depends on your risk tolerance and time horizon — view the full pillar breakdown on UQS Pro.
Is TREE overvalued?
Based on the UQS Valuation pillar, TREE is rated Attractive, suggesting the stock is not currently overvalued relative to its fundamentals. That said, an Attractive valuation does not eliminate risk — the Weak Risk and Moat ratings are relevant context for any valuation assessment.
How does TREE compare to its competitors?
The peer tickers listed alongside TREE on UQS Score are primarily special-purpose acquisition companies, which are structurally very different from LendingTree's operating marketplace model. For a deeper sector-level comparison, the [Financial Services sector page](/sector/financial-services) offers broader context.
What is TREE's market cap bracket?
LendingTree is classified as a small-cap company. This places it in a segment of the market that can offer higher growth potential but also carries greater volatility and liquidity risk compared to large- or mega-cap peers.
Who founded LendingTree?
LendingTree was originally founded by Doug Lebda. The company has evolved significantly over the years, expanding from a mortgage marketplace into a broad consumer financial platform. Its current corporate entity was incorporated in 2008 and rebranded from Tree.com to LendingTree, Inc. in January 2015.
Is TREE a long-term quality investment?
As a long-term quality indicator, UQS Score rates TREE as Good — driven by reasonable Quality and an Attractive Valuation. However, the Weak Moat rating raises questions about durable competitive advantage over a long horizon, which is a key factor for investors focused on compounding quality businesses.
What is the main competitive advantage of LendingTree?
LendingTree's primary advantage is its established brand recognition and the breadth of its marketplace, which spans mortgages, personal loans, credit cards, and insurance. However, the UQS Moat pillar rates this advantage as Weak, reflecting that the online financial marketplace space remains highly competitive and difficult to defend.
What sector does TREE belong to?
LendingTree operates in the Financial Services sector, specifically as an online consumer financial marketplace. It sits at the intersection of fintech and traditional financial product distribution, making it sensitive to both technology trends and macroeconomic cycles like interest rate movements.
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Pro Analysis
TREE — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 56.2 | 70.4 | 28.0 | 57.1 | 35.7 | 98.8 | 0.0 |
| May 21, 2026 | 56.2 | 70.4 | 28.0 | 57.1 | 35.7 | 99.0 | +2.8 |
| May 4, 2026 | 53.4 | 67.2 | 28.0 | 57.1 | 28.4 | 92.9 | +0.3 |
| May 3, 2026 | 53.1 | 67.2 | 28.0 | 55.5 | 28.4 | 92.9 | +0.1 |
| Apr 26, 2026 | 53.0 | 67.2 | 28.0 | 55.5 | 28.4 | 92.2 | 0.0 |
| Apr 21, 2026 | 53.0 | 67.2 | 28.0 | 55.5 | 28.4 | 92.0 | +0.8 |
| Apr 19, 2026 | 52.2 | 67.2 | 28.0 | 51.8 | 28.4 | 92.0 | -0.1 |
| Apr 18, 2026 | 52.3 | 67.2 | 28.0 | 51.8 | 28.4 | 92.7 | -1.1 |
| Apr 14, 2026 | 53.4 | 67.2 | 28.0 | 51.8 | 28.4 | 100.0 | -5.5 |
| Apr 13, 2026 | 58.9 | 67.2 | 50.0 | 51.8 | 28.4 | 100.0 | +5.5 |
TREE — Pillar Breakdown
Quality
— 70.4/100 (25%)LendingTree, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 57.1/100 (20%)LendingTree, Inc. demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 35.7/100 (15%)LendingTree, Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 99.0/100 (15%)LendingTree, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
Enterprise value multiple relative to sector median.
Moat
— 28/100 (25%)LendingTree, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for TREE.
Score Composition
Financial Data
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How is the TREE UQS Score Calculated?
The UQS (Unified Quality Score) for LendingTree, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses LendingTree, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether LendingTree, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.