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TREE$39.89-4.24%
Fair $39.89+0.0%

TREE

LendingTree, Inc.

Financial Services / Financial ConglomeratesNasdaqGS

$39.89

-1.69 (-4.24%)

Fairly Valued+0.0%Fair Value $39.89Fund rank 27/100 · Data gapFallback financials|
SA 39/D
F-Score: 7/9

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 0.0/100

Data gap 27/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 59/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

39/100

D

Piotroski

7/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 16Warnings: 0unknown: 16
No SEC-backed annual rows; valuation uses fallback financial data. Sector-specific holding-company NAV/SOTP model required: targets are disabled until look-through holdings, debt and discount data exists.
Thesis & Journal · TREELocal privado en este navegador · LendingTree, Inc.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$557M

P/E

3.0x

↓

EV/EBITDA

8.6x

↓

ROE

52.8%

↑

Gross Margin

96.2%

↑

Debt/Equity

1.53

↑
52-Week Range$40
$33$77

TradingView lightweight chart

TREE price, volumen y niveles de valoración

Último $38.20Periodo +421.9%
Fair value: $39.89

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2010–2025 · 15 años de histórico normalizado

Revenue CAGR

+21.5%

FCF CAGR

—

FCF margin

5.4%

FCF / Net income

0.40x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $1.12B · net income $151.3M · FCF $60.7M

2010-FY → 2025-FY

Gross margin

96.2%— pts

Operating margin

7.3%+62.6% pts

Net margin

13.5%+43.9% pts

FCF margin

5.4%— pts
MetricTTM
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
Income Statement
Revenue$1.12B$1.12B$900.2M$672.5M$985.0M$1.10B$910.0M$1.11B$764.9M$617.7M$384.4M$254.2M$167.3M$139.2M$77.4M$54.6M$59.9M
Net Income$151.3M$151.3M$-41.7M$-122.4M$-188.0M$69.1M$-48.3M$17.8M$96.5M$15.6M$27.5M$48.0M$9.4M$3.9M$46.6M$-59.5M$-18.2M
EBITDA$103.8M$103.8M$73.1M$35.3M$17.0M$25.9M$7.6M$61.7M$63.6M$40.2M$57.1M$31.5M$2.3M$2.4M$1.3M$-56.1M$-29.9M
EPS10.7810.78-3.14-9.46-14.695.05-3.711.226.851.142.153.830.840.364.36-5.41-1.65
Gross Margin96.2%96.2%96.0%94.2%94.1%37.4%40.6%39.1%39.9%40.7%———————
Operating Margin7.3%7.3%5.4%1.3%-2.9%0.7%-0.7%4.6%7.3%5.4%13.6%11.2%-0.6%-0.8%-3.7%-111.9%-55.2%
Net Margin13.5%13.5%-4.6%-18.2%-19.1%6.3%-5.3%1.6%12.6%2.5%7.2%18.9%5.6%2.8%60.2%-108.9%-30.3%
Balance Sheet
Debt/Equity1.531.535.004.924.391.071.680.660.720.810.00——————
Current Ratio1.891.89———————————————
Cash Flow
Free Cash Flow$60.7M$60.7M$51.0M$55.0M$31.5M————————————
Returns
ROE52.8%52.8%-38.3%-98.6%-90.4%15.4%-13.2%4.4%27.9%5.3%11.9%19.9%9.7%4.5%56.2%-130.9%-17.9%
Valuation
P/E2.962.96———————————————
EV/EBITDA8.638.6313.2424.6352.65————————————
P/B1.871.874.882.981.36————————————
Growth & Yield
Revenue Growth24.1%24.1%33.9%-31.7%—20.7%-17.8%44.7%23.8%60.7%51.2%51.9%20.2%79.8%41.8%-8.8%—
EPS Growth443.3%443.3%66.8%35.6%—236.1%-404.1%-82.2%500.9%-47.0%-43.9%356.0%133.3%-91.7%180.6%-227.9%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

-31.0%

fácil

EPS terminal req.

$3.54

Spread vs growth

474.3%

5Y implied EPS CAGR

-16.9%

fácil

EPS terminal req.

$4.28

Spread vs growth

460.2%

10Y implied EPS CAGR

-4.4%

fácil

EPS terminal req.

$6.90

Spread vs growth

447.7%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +10.1%

Total return

+10.1%

Start / end P/E

n/dx → n/dx

EPS bridge

-3.14 → 10.78

Residual

+10.1%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term+10.1%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.