US · TREE
LendingTree, Inc.
- Sector
- Financial Services · Financial - Conglomerates
- Headquarters
- Charlotte, NC 28203
- Website
- lendingtree.com
Price · as of 2024-12-31
$38.81
Market cap 510.87M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $133.21 | +243.24% |
| Intrinsic Value(DCF) | $19.90 | -48.72% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $5.61 | $333.54 | $4.31 | $0.00 | $100.87 |
| 2011 | $7.05 | $51.38 | $0.00 | $0.00 | $1.55 |
| 2012 | $16.89 | $468.84 | $10.15 | $12.48 | $198.29 |
| 2013 | $33.98 | $179.01 | $8,272.86 | $9.17 | $30.21 |
| 2014 | $54.24 | $193.17 | $4,935.64 | $12.17 | $22.97 |
| 2015 | $86.02 | $6,523.49 | $10,585.72 | $41.31 | $241.44 |
| 2016 | $118.90 | $143.78 | $9,483.32 | $26.45 | $132.92 |
| 2017 | $350.60 | $209.95 | $34,087.36 | $21.67 | $86.45 |
| 2018 | $310.87 | $265.27 | $9,782.74 | $38.42 | $238.44 |
| 2019 | $283.12 | $221.95 | $10,644.43 | $5.56 | $70.56 |
| 2020 | $236.34 | $257.69 | $77.64 | $0.00 | $33.00 |
| 2021 | $97.26 | $86.94 | $18.29 | $28.29 | $146.75 |
| 2022 | $27.88 | $203.54 | $0.00 | $0.00 | $26.70 |
| 2023 | $41.63 | $63.17 | $0.00 | $0.00 | $210.80 |
| 2024 | $48.62 | $133.21 | $0.00 | $0.00 | $0.00 |
AI valuation
Our deep-learning model estimates LendingTree, Inc.'s (TREE) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $133.21
- Current price
- $38.81
- AI upside
- +243.24%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$19.90
-48.72% upside
Graham-Dodd
—
— upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| TREE | LendingTree, Inc. | $38.81 | 510.87M | +243% | -49% | — | — | -15.47 | 5.93 | 0.72 | 14.81 | — | -2.04 | 95.99% | 4.96% | -4.63% | -35.80% | 7.63% | -5.31% | 5.00 | 1.60 | 0.99 | 0.94 | 5.98 | -6681.00% | 3386.00% | -728.00% | 7.91% | 0.26 | 8.73% | 0.00% | 0.00% | 9.55% | 24.26 | 21.21 | 1.20 | 0.35 |
| ABTC | American Bitcoin Corp | $1.02 | 946.16M | +2,662% | -3% | +235% | +719% | 2.48 | 1.05 | 14.86 | 1.88 | 0.25 | 1.11 | 44.77% | 676.71% | 599.60% | 57.62% | 59.04% | 52.15% | 0.01 | 138.75 | 3.04 | 1.84 | 0.01 | 97798.00% | 1009.00% | 5758.00% | -8.44% | -1.07 | -12.44% | 0.00% | 0.00% | 3.72% | 2.02 | -10.88 | 13.65 | 8.60 |
| ASIC | Ategrity Specialty Holdin… | $22.12 | 1.06B | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| ATLC | Atlanticus Holdings Corpo… | $52.31 | 792.05M | +256% | +398% | -14% | +371% | 6.10 | 1.38 | 1.48 | 19.54 | 48.83 | 1.38 | 61.59% | 30.15% | 24.22% | 25.08% | 4.68% | 3.72% | 5.08 | 0.87 | 5.21 | 5.21 | 14.81 | 1250.00% | 2568.00% | 270.00% | 68.84% | 6.51 | 19.88% | 3.79% | 23.10% | 11.54% | 20.27 | 6.01 | 6.11 | 0.71 |
| BBDC | Barings BDC, Inc. | $8.44 | 887.54M | +223% | -59% | — | +202% | 7.66 | 0.78 | 3.63 | 11.87 | — | 0.78 | 74.00% | 85.18% | 40.96% | 10.02% | 8.03% | 4.42% | 1.23 | 2.49 | 3.62 | 2.38 | 7.14 | -673.00% | 1900.00% | 3623.00% | 17.79% | 3.54 | 6.31% | 13.88% | 106.30% | 15.61% | 10.69 | 14.11 | 9.10 | 0.41 |
| BHF | Brighthouse Financial, In… | $59.98 | 3.43B | +104% | -60% | +116% | +512% | 7.91 | 0.51 | 0.55 | 1.91 | 31.91 | 0.51 | 70.94% | 7.63% | 6.97% | 7.38% | 11.52% | 0.18% | 0.47 | 3.12 | — | — | -3.57 | 2478.00% | 4216.00% | -6483.00% | -2.98% | — | -2.68% | 2.98% | 23.60% | 15.94% | 2.52 | -11.69 | 0.19 | 0.07 |
| FSUN | FirstSun Capital Bancorp | $36.47 | 1.02B | +20% | +24% | +33% | +44% | 14.20 | 1.03 | 1.99 | 5.40 | — | 1.25 | 64.79% | 17.61% | 14.00% | 7.88% | 16.21% | 0.95% | 0.11 | 0.58 | 0.10 | 0.10 | -4.76 | -3407.00% | 1131.00% | -2084.00% | 8.91% | 0.02 | 20.52% | 0.00% | 0.00% | 50.05% | 5.98 | 5.94 | 1.05 | -0.61 |
| MBIN | Merchants Bancorp | $42.28 | 1.94B | +86% | -48% | +28% | -69% | 9.09 | 0.87 | 1.46 | 18.77 | — | 0.88 | 41.29% | 19.32% | 16.02% | 9.67% | 3.89% | 1.14% | 1.68 | 0.39 | 1.61 | 1.61 | 14.51 | -4000.00% | -565.00% | -6003.00% | -17.16% | -0.05 | -6.06% | 2.99% | 27.20% | 4.63% | 18.77 | -14.51 | 3.63 | 0.57 |
| NRDS | NerdWallet, Inc. | $10.85 | 806.14M | +341% | +473% | -39% | +74% | 16.90 | 2.20 | 0.98 | 6.25 | 26.37 | 3.59 | 92.39% | 8.32% | 5.82% | 13.19% | 17.11% | 10.84% | 0.00 | 116.00 | 3.45 | 2.95 | -0.85 | 6410.00% | 2167.00% | 8301.00% | 15.83% | 1.86 | 44.87% | 0.00% | 0.00% | 13.50% | 10.42 | 5.56 | 0.87 | 7.90 |
| PFLT | PennantPark Floating Rate… | $8.16 | 809.62M | +259% | -31% | — | -10% | 12.84 | 0.79 | 4.97 | 37.13 | — | 0.79 | 45.65% | 39.35% | 38.69% | 6.80% | 2.84% | 2.64% | 1.65 | 0.72 | 2.94 | 2.98 | 24.51 | -4857.00% | 220.00% | -11186.00% | 11.16% | 2.05 | 4.07% | 13.10% | 168.10% | 13.10% | 37.13 | 26.37 | 14.61 | 0.38 |
About LendingTree, Inc.
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.
- CEO
- Scott Peyree
- Employees
- 927
- Beta
- 2.17
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($19.90 ÷ $38.81) − 1 = -48.72% (DCF, example).