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Upturn AI SWOT - About
TREE 
Lendingtree Inc (TREE)
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Upturn Advisory Summary
10/15/2025: 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 $71
1 Year Target Price $71
| 3 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.91% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 793.03M USD | Price to earnings Ratio - | 1Y Target Price 71 |
Price to earnings Ratio - | 1Y Target Price 71 | ||
Volume (30-day avg) 5 | Beta 1.73 | 52 Weeks Range 33.50 - 77.34 | Updated Date 10/17/2025 |
52 Weeks Range 33.50 - 77.34 | Updated Date 10/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -4.07 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -5.33% | Operating Margin (TTM) 8.51% |
Management Effectiveness
Return on Assets (TTM) 4.74% | Return on Equity (TTM) -40.91% |
Valuation
Trailing PE - | Forward PE 11.68 | Enterprise Value 1278396013 | Price to Sales(TTM) 0.78 |
Enterprise Value 1278396013 | Price to Sales(TTM) 0.78 | ||
Enterprise Value to Revenue 1.26 | Enterprise Value to EBITDA 15 | Shares Outstanding 13620161 | Shares Floating 13263994 |
Shares Outstanding 13620161 | Shares Floating 13263994 | ||
Percent Insiders 18.68 | Percent Institutions 81.25 |
Upturn AI SWOT
Lendingtree Inc
Company Overview
History and Background
LendingTree, Inc. was founded in 1996 as CreditSource USA by Doug Lebda and went public in 2000. It pioneered the online loan marketplace, connecting borrowers with multiple lenders.
Core Business Areas
- Home: Provides an online marketplace for mortgage loans, refinance options, and home equity lines of credit (HELOCs).
- Consumer: Offers a platform for personal loans, credit cards, and other financial products.
- Insurance: Provides an online insurance marketplace, connecting consumers with various insurance providers.
Leadership and Structure
Doug Lebda is the Chairman and CEO. The organizational structure includes various functional departments such as technology, marketing, finance, and operations, reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Mortgage Loans: LendingTree connects borrowers with lenders for mortgage origination and refinancing. While precise market share data is difficult to obtain, LendingTree is a significant player in the online mortgage marketplace. Competitors include Rocket Mortgage (RKT), Better.com, and Zillow (Z).
- Personal Loans: The platform facilitates access to personal loans for various purposes. Competition includes Upstart (UPST), SoFi (SOFI), and Prosper Marketplace.
- Credit Cards: LendingTree provides a marketplace for comparing and applying for credit cards from various issuers. Competitors include Credit Karma, Bankrate and NerdWallet.
Market Dynamics
Industry Overview
The financial services industry is undergoing digital transformation, with increasing adoption of online marketplaces for lending and insurance products. Interest rates, economic conditions and consumer confidence directly impact the industry.
Positioning
LendingTree is positioned as a leading online marketplace, offering consumers a convenient way to compare financial products from multiple lenders. Their competitive advantage lies in their brand recognition, large lender network, and user-friendly platform.
Total Addressable Market (TAM)
The total addressable market for online lending is estimated to be in the trillions of dollars. LendingTree is positioned to capture a share of this TAM through its established marketplace and brand recognition.
Upturn SWOT Analysis
Strengths
- Brand recognition
- Extensive lender network
- Diversified product offerings
- Established online platform
- Strong traffic acquisition
Weaknesses
- Dependence on advertising spending
- Sensitivity to interest rate fluctuations
- Exposure to credit risk through partner lenders
- Profitability can be heavily influenced by macroeconomic factors
- Variable marketing spend is a large portion of their financials
Opportunities
- Expansion into new financial product categories
- Increased adoption of online lending platforms
- Partnerships with financial institutions
- Growth in the gig economy and freelance lending
- International expansion
Threats
- Increased competition from other online marketplaces
- Changes in regulations affecting the lending industry
- Economic downturns and rising interest rates
- Cybersecurity risks
- Negative press from lender misconduct
Competitors and Market Share
Key Competitors
- RKT
- SOFI
- UPST
- RDFN
- ZG
Competitive Landscape
LendingTree faces competition from other online lending marketplaces, direct lenders, and traditional financial institutions. The company's strengths lie in its brand and large network, while its weaknesses include reliance on advertising and sensitivity to interest rates.
Major Acquisitions
QuoteWizard
- Year: 2018
- Acquisition Price (USD millions): 300
- Strategic Rationale: To expand into the insurance marketplace and diversify revenue streams.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be charted by plotting past revenues, profits, and user base growth.
Future Projections: Future growth is linked to total volume that is directly associated with interest rates. Analyst estimates should be evaluated for future projections and can be found through various financial outlets.
Recent Initiatives: Strategic initiatives may include new product launches, technology upgrades, or partnerships.
Summary
LendingTree is a well-established player in the online lending marketplace with strong brand recognition. However, its profitability is susceptible to macroeconomic factors such as interest rate volatility and consumer confidence. The company benefits from a diversified product offering and a large lender network, but faces competition from other online marketplaces. Future growth opportunities exist through expansion into new product categories and partnerships. Close monitoring of the financial health of the lenders partnered with LendingTree is also key.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Industry Research Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source. All investments involve risk, and past performance is not indicative of future results.
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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