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Upturn AI SWOT - About
TREE 
Lendingtree Inc (TREE)
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Upturn Advisory Summary
08/28/2025: TREE (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $67.67
1 Year Target Price $67.67
| 3 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.5% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 925.49M USD | Price to earnings Ratio - | 1Y Target Price 67.67 |
Price to earnings Ratio - | 1Y Target Price 67.67 | ||
Volume (30-day avg) 5 | Beta 1.59 | 52 Weeks Range 33.50 - 70.72 | Updated Date 08/29/2025 |
52 Weeks Range 33.50 - 70.72 | Updated Date 08/29/2025 | ||
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 19.65 | Enterprise Value 1332468053 | Price to Sales(TTM) 0.91 |
Enterprise Value 1332468053 | Price to Sales(TTM) 0.91 | ||
Enterprise Value to Revenue 1.32 | Enterprise Value to EBITDA 15.64 | Shares Outstanding 13620200 | Shares Floating 11057664 |
Shares Outstanding 13620200 | Shares Floating 11057664 | ||
Percent Insiders 18.53 | Percent Institutions 81.47 |
Upturn AI SWOT
Lendingtree Inc
Company Overview
History and Background
LendingTree was founded in 1996 by Doug Lebda, initially as CreditSource USA. It rebranded as LendingTree in 1998 and went public in 2000. It pioneered the online loan marketplace concept, connecting borrowers with multiple lenders. Over time, it expanded its offerings to include various financial products beyond loans.
Core Business Areas
- Consumer: This segment provides online marketplaces for various consumer financial products, including mortgage loans, personal loans, credit cards, deposit accounts, and insurance products. Revenue is primarily generated from fees paid by lenders when borrowers connect with them through the platform.
- Home: This segment encompasses mortgage-related services and technology solutions. This segment is most impacted by interest rates and overall sentiment of the mortgage market
- Insurance: This segment includes marketplaces that allow for users to shop insurance products.
Leadership and Structure
Doug Lebda is the Chairman and CEO. The organizational structure includes various departments such as technology, marketing, finance, and operations, with reporting lines to the CEO and senior management.
Top Products and Market Share
Key Offerings
- Mortgage Loans: LendingTree facilitates connections between borrowers and mortgage lenders. Market share data is fragmented, but LendingTree is a significant player in the online mortgage marketplace. Competitors include Rocket Mortgage (RKT), Better.com, and traditional banks/credit unions.
- Personal Loans: LendingTree provides a platform for consumers to compare personal loan offers. Competitors include Upstart (UPST), Prosper, and traditional lenders.
- Credit Cards: LendingTree allows users to compare and apply for credit cards. Competitors include Credit Karma, Bankrate, and direct issuer websites.
Market Dynamics
Industry Overview
The online lending and financial services marketplace is highly competitive and rapidly evolving, driven by technological advancements and changing consumer preferences. Increased regulatory scrutiny and economic uncertainty also impact the industry.
Positioning
LendingTree positions itself as a neutral platform connecting borrowers with a wide range of lenders, offering convenience and choice. Its competitive advantages include brand recognition, established relationships with lenders, and a large user base.
Total Addressable Market (TAM)
The TAM for online lending and financial services is estimated to be in the trillions of dollars, encompassing various loan types, credit cards, and insurance products. LendingTree is positioned to capture a portion of this market by offering a diversified platform and leveraging its brand and technology.
Upturn SWOT Analysis
Strengths
- Brand Recognition
- Large User Base
- Diversified Product Offering
- Established Lender Relationships
- Technology Platform
Weaknesses
- Dependence on Lender Fees
- Sensitivity to Interest Rate Fluctuations
- Customer Acquisition Costs
- Fluctuations in mortgage interest rates and refinancing volumes can significantly impact revenue.
- Dependence on macroeconomic conditions
Opportunities
- Expansion into New Financial Products
- Partnerships with Fintech Companies
- Increased Mobile Usage
- Growing Demand for Online Lending
- Further development of technology platform.
Threats
- Increased Competition
- Regulatory Changes
- Economic Downturn
- Data Security Breaches
- Changes in Consumer Behavior
Competitors and Market Share
Key Competitors
- RKT
- UPST
- RATE
Competitive Landscape
LendingTreeu2019s advantage is its brand recognition and established platform. Disadvantages include dependence on the overall economy and interest rates. Competitors like Rocket Mortgage have more direct-to-consumer models.
Major Acquisitions
ValuePenguin
- Year: 2014
- Acquisition Price (USD millions): 87
- Strategic Rationale: ValuePenguin acquisition provided LendingTree with more consumer education tools and comparison shopping capabilities.
Growth Trajectory and Initiatives
Historical Growth: Discuss Lendingtree Inc's growth trends over the past years.
Future Projections: Provide projections for Lendingtree Inc's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Lendingtree Inc.
Summary
LendingTree is a well-established online loan marketplace facing challenges due to interest rate sensitivity. Its brand recognition and diverse offerings are strengths, but competition and economic conditions pose threats. Successfully navigating the market requires diversification and effective cost management. The interest rate environment is a strong determinant in Lendingtree's profitability and growth. Long-term profitability will be dependent on future acquisitions and technology advancements.
Peer Comparison
Sources and Disclaimers
Data Sources:
- LendingTree Investor Relations
- SEC Filings
- Analyst Reports
- Industry Publications
- Company Press Releases
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change rapidly. Always conduct thorough research before making investment decisions.
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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