LendingTree, Inc.

NasdaqGS:TREE Stock Report

Market Cap: US$793.2m

LendingTree Valuation

Is TREE undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of TREE when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate TREE's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate TREE's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for TREE?

Key metric: As TREE is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for TREE. This is calculated by dividing TREE's market cap by their current earnings.
What is TREE's PE Ratio?
PE Ratio51.4x
EarningsUS$14.16m
Market CapUS$793.17m

Price to Earnings Ratio vs Peers

How does TREE's PE Ratio compare to its peers?

The above table shows the PE ratio for TREE vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average10.1x
ATLC Atlanticus Holdings
8x32.92%US$872.7m
JCAP Jefferson Capital
6.4x-3.02%US$1.1b
NRDS NerdWallet
19.3x6.88%US$915.0m
PRG PROG Holdings
6.7x2.12%US$1.1b
TREE LendingTree
51.4x40.80%US$793.2m

Price-To-Earnings vs Peers: TREE is expensive based on its Price-To-Earnings Ratio (51.4x) compared to the peer average (10.1x).

Price to Earnings Ratio vs Industry

How does TREE's PE Ratio compare vs other companies in the US Consumer Finance Industry?

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
XYF X Financial
2.1xn/aUS$519.60m
JFIN Jiayin Group
2.1xn/aUS$478.19m
AIJT.Y Jianpu Technology
1.5xn/aUS$18.62m
No more companies available in this PE range
TREE 51.4xIndustry Avg. 10.4xNo. of Companies7PE01020304050+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: TREE is expensive based on its Price-To-Earnings Ratio (51.4x) compared to the US Consumer Finance industry average (11x).

Price to Earnings Ratio vs Fair Ratio

What is TREE's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

TREE PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio51.4x
Fair PE Ratio23.7x

Price-To-Earnings vs Fair Ratio: TREE is expensive based on its Price-To-Earnings Ratio (51.4x) compared to the estimated Fair Price-To-Earnings Ratio (23.7x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst TREE forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$53.27
US$81.33
+52.68%
5.53%US$85.00US$72.00n/a6
Oct ’26US$64.69
US$71.00
+9.75%
8.87%US$80.00US$62.00n/a6
Sep ’26US$67.95
US$67.67
-0.42%
8.77%US$78.00US$60.00n/a6
Aug ’26US$49.47
US$65.67
+32.74%
5.68%US$70.00US$60.00n/a6
Jul ’26US$38.33
US$63.00
+64.36%
6.01%US$70.00US$60.00n/a6
Jun ’26US$35.02
US$63.00
+79.90%
6.01%US$70.00US$60.00n/a6
May ’26US$54.12
US$66.83
+23.49%
5.76%US$72.00US$60.00n/a6
Apr ’26US$52.76
US$66.57
+26.18%
5.44%US$72.00US$60.00n/a7
Mar ’26US$40.39
US$69.29
+71.54%
7.63%US$78.00US$60.00n/a7
Feb ’26US$44.93
US$69.29
+54.21%
7.63%US$78.00US$60.00n/a7
Jan ’26US$38.75
US$67.88
+75.16%
9.12%US$78.00US$58.00n/a8
Dec ’25US$44.21
US$67.88
+53.53%
9.12%US$78.00US$58.00n/a8
Nov ’25US$45.15
US$67.88
+50.33%
9.12%US$78.00US$58.00US$64.008
Oct ’25US$57.57
US$62.88
+9.21%
9.39%US$71.00US$50.00US$64.698
Sep ’25US$57.93
US$62.88
+8.54%
9.39%US$71.00US$50.00US$67.958
Aug ’25US$46.29
US$62.88
+35.83%
9.39%US$71.00US$50.00US$49.478
Jul ’25US$39.74
US$53.25
+34.00%
9.38%US$60.00US$42.00US$38.338
Jun ’25US$42.99
US$53.25
+23.87%
9.38%US$60.00US$42.00US$35.028
May ’25US$47.89
US$53.25
+11.19%
9.38%US$60.00US$42.00US$54.128
Apr ’25US$41.69
US$38.86
-6.80%
14.52%US$45.00US$27.00US$52.767
Mar ’25US$39.98
US$37.75
-5.58%
15.09%US$45.00US$27.00US$40.398
Feb ’25US$33.43
US$26.00
-22.23%
37.29%US$45.00US$15.00US$44.938
Jan ’25US$30.32
US$21.88
-27.85%
17.17%US$25.00US$15.00US$38.758
Dec ’24US$19.78
US$21.38
+8.06%
17.34%US$25.00US$15.00US$44.218
Nov ’24US$15.00
US$21.63
+44.17%
16.98%US$25.00US$15.00US$45.158
US$81.33
Fair Value
34.5% undervalued intrinsic discount
6
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/11/06 14:12
End of Day Share Price 2025/11/06 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

LendingTree, Inc. is covered by 15 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Nathaniel SchindlerBofA Global Research
Mark Stephen MahaneyCitigroup Inc
Kunal MadhukarDeutsche Bank