LendingTree, Inc.

LendingTree, Inc.

TREEยทNASDAQ

$36.62

-4.2%
Financial ServicesFinancial - Credit Services

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.

At a Glance

Live Snapshot
Market Cap$510.95M
EPS11.1400
P/E Ratio3.29
Earnings Date07/30/2026
LendingTree, Inc.

LendingTree, Inc. Fair Value Envelope

TREE ยท NASDAQ

Our analysis suggests that TREE has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $36.6194, this represents a potential HIDDEN relative to our calculated worth for LendingTree, Inc..

Intrinsic Value
Current Price: $36.6194

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$4.4B
+ Cash & Equivalents$81.1M
Firm Value$4.5B
- Debt$435.2M
Equity Value$4.0B
/ Shares Outstanding13,670,696B
DCF Value$295
UNDERVALUED BY 705%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$86.9M
$103.3M
$122.9M
$146.1M
$173.7M
$206.5M
$245.5M
$291.8M
$347.0M
$412.5M
Maintenance CapEx
-$3.0M
-$3.5M
-$4.2M
-$5.0M
-$5.9M
-$7.0M
-$8.3M
-$9.9M
-$11.8M
-$14.0M
Owner Earnings
$84.0M
$99.8M
$118.7M
$141.1M
$167.8M
$199.4M
$237.1M
$281.9M
$335.2M
$398.5M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$77.7M
$85.6M
$94.2M
$103.7M
$114.2M
$125.7M
$138.4M
$152.3M
$167.7M
$184.6M
Terminal Value represents 71.6% of Enterprise Value