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Upturn AI SWOT - About
TREE 
Lendingtree Inc (TREE)
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Upturn Advisory Summary
07/03/2025: TREE (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $63
1 Year Target Price $63
| 3 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -36.97% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 524.62M USD | Price to earnings Ratio - | 1Y Target Price 63 |
Price to earnings Ratio - | 1Y Target Price 63 | ||
Volume (30-day avg) 5 | Beta 1.62 | 52 Weeks Range 33.50 - 62.49 | Updated Date 07/5/2025 |
52 Weeks Range 33.50 - 62.49 | Updated Date 07/5/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -4.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -5.67% | Operating Margin (TTM) 3.71% |
Management Effectiveness
Return on Assets (TTM) 3.71% | Return on Equity (TTM) -46.84% |
Valuation
Trailing PE - | Forward PE 11.43 | Enterprise Value 965571693 | Price to Sales(TTM) 0.54 |
Enterprise Value 965571693 | Price to Sales(TTM) 0.54 | ||
Enterprise Value to Revenue 0.99 | Enterprise Value to EBITDA 13.01 | Shares Outstanding 13535200 | Shares Floating 10964987 |
Shares Outstanding 13535200 | Shares Floating 10964987 | ||
Percent Insiders 18.7 | Percent Institutions 84.17 |
Upturn AI SWOT
Lendingtree Inc
Company Overview
History and Background
LendingTree, Inc. was founded in 1996 by Doug Lebda and initially launched as CreditSource USA. It rebranded to LendingTree in 1998. The company pioneered the concept of online loan marketplaces, connecting borrowers with multiple lenders.
Core Business Areas
- Consumer: Connects consumers with lenders for various loan types, including personal loans, auto loans, credit cards, and small business loans.
- Home: Facilitates mortgage lending and refinancing, connecting consumers with mortgage lenders. It also includes real estate services and home equity lines of credit.
- Insurance: Connects consumers with insurance providers, offering comparisons for auto, home, and life insurance policies.
Leadership and Structure
Doug Lebda is the Chairman and CEO. The organizational structure is functional, with departments focused on technology, marketing, sales, and finance.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Connects borrowers with mortgage lenders, enabling comparison shopping for rates and terms. LendingTree competes with companies like Zillow, Rocket Mortgage, and Bankrate in the mortgage space. Market share fluctuates, and precise figures are challenging to obtain due to the fragmented nature of the industry. Revenue is generated through fees from lenders when a loan is funded through the platform.
- Personal Loans: Connects borrowers with personal loan lenders, providing options for debt consolidation, home improvement, and other needs. Competitors include Upstart, SoFi, and Prosper. The personal loan market is highly competitive, and LendingTree's market share varies. Revenue is based on referral fees from lenders.
- Credit Cards: Connects borrowers to various card providers, allowing comparison shopping and application. Competitors include Credit Karma, Bankrate and others. Revenue is generated through referral fees and advertising spend on the platform.
Market Dynamics
Industry Overview
The online lending marketplace industry is growing rapidly, driven by increasing consumer demand for convenient and transparent access to financial products. The industry is competitive, with established players and new entrants vying for market share.
Positioning
LendingTree positions itself as a leading online lending marketplace, offering consumers a wide range of loan products and lender options. Its competitive advantage lies in its brand recognition, large lender network, and technology platform.
Total Addressable Market (TAM)
The total addressable market for LendingTree encompasses all loan origination volume across various categories like mortgage, personal loans, auto loans, and credit cards. This TAM is in the trillions of dollars annually. LendingTree is positioned to capture a portion of this market by facilitating connections between borrowers and lenders. Exact estimated TAM is between 5 and 6 trillion.
Upturn SWOT Analysis
Strengths
- Brand recognition
- Large lender network
- Technology platform
- Diversified product offerings
Weaknesses
- Dependence on lender relationships
- Sensitivity to interest rate fluctuations
- Marketing expenses
- Fluctuations in lending activity based on external economy
Opportunities
- Expanding into new product categories
- Increasing market share through targeted marketing
- Leveraging data analytics to improve customer experience
- Partnerships with financial institutions
Threats
- Increased competition from other online lending marketplaces
- Changes in government regulations
- Economic downturn impacting loan demand
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- RDFN
- LC
- SOFI
- RATE
Competitive Landscape
LendingTree faces intense competition from other online lending marketplaces, as well as traditional lenders. Its advantages include its brand recognition and lender network, but it faces challenges from competitors with lower cost structures or more specialized offerings.
Major Acquisitions
ValueTree.com
- Year: 2003
- Acquisition Price (USD millions): 130
- Strategic Rationale: Strengthen LendingTree's market position. Further, expand the company's lead generation capabilities.
Growth Trajectory and Initiatives
Historical Growth: LendingTree's historical growth has been driven by the increasing adoption of online lending. Growth has been affected by economic cycles and interest rate changes.
Future Projections: Analyst projections for LendingTree's future growth vary, depending on macroeconomic conditions and the company's ability to execute its strategic initiatives.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new product categories, and strategic acquisitions.
Summary
LendingTree is a well-established online lending marketplace with a strong brand and extensive lender network. Its performance is sensitive to economic conditions and interest rate fluctuations. The company needs to focus on managing costs and differentiating itself from competitors. LendingTree needs to maintain strong relationships with its key lending partners.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Lendingtree Inc
Exchange NASDAQ | Headquaters Charlotte, NC, United States | ||
IPO Launch date 2008-08-12 | Founder, Chairman & CEO Mr. Douglas R. Lebda | ||
Sector Financial Services | Industry Financial Conglomerates | Full time employees 927 | Website https://www.lendingtree.com |
Full time employees 927 | Website https://www.lendingtree.com | ||
LendingTree, Inc., through its subsidiary, 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, and home equity loans and lines of credit. The Consumer segment provides credit cards; personal, small business, and auto loans; deposit accounts; and other credit products, such as debt settlement services. The Insurance segment includes information, tools, and access to insurance quote products, including automobile, home, life, and health and Medicare through which consumers are matched with insurance lead aggregators to obtain insurance offers and policies. This segment also offers QuoteWizard, a marketplace for insurance comparison; and ValuePenguin, a personal finance website that offers consumers objective analysis on various financial topics. 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 based in Charlotte, North Carolina.
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