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LendingTree Inc. (TREE) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$27.94 -0.32% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $27.87

LendingTree Inc. (TREE) carries a Roarable Rating of D (Sell) with 50/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $392.3M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is TREE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, LendingTree Inc. (NASDAQ: TREE) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $27.94 (-0.32% 1D, market cap $392.3M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, TREE ranks #655 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does TREE compare to BETR and GEMI in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), TREE carries a Roarable D (50/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 8.6%. By comparison, BETR (Better Home & Finance Holding Company (Class A)) holds a E grade (31/100 RQD, P/E N/A, ROIC -35.0%, cap $395.9M) and GEMI (Gemini Space Station Inc. (Class A)) posts a E grade (24/100 RQD, P/E N/A, ROIC -35.0%, cap $376.1M). Among the 5-stock peer group, CCAP leads on earnings multiple (9.9x) while TREE leads on capital efficiency (8.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for TREE?
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Per TREE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001434621), LendingTree Inc. generated $1.12B in revenue (+24.1% YoY), $151.0M in net income, and $73.1M in free cash flow against $855.7M in total assets and $387.7M in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $27.87 (-0.25%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 6.5% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY • 49.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510050
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D+
Cash (7)Whales (8)SEC (13)Macro (9)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE-3.6% Base Target
$72 Bull$27 Base$21 Bear
📬 FREE TREE RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TREE)Realized 20D OHLCV Swing Band: ±8.9%
Deterministic 5-Pillar Attribution (50/100 Composite)
🔍 WHY TREE SCORES 50/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (26% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 6/9

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+13/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 65% Net Buy • Cannibal Buyback (-1.52% YoY Shares)

▼ #1 Drag / Risk Factor: Cash Engine Quality7/20 pts (-13 pt drag)

Capital intensity & 5.8% operating margin leave 13 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
42
Grade D$24.78+7.1% Next Q
Q2 (-2Q)
45
Grade D$26.53-1.2% Next Q
Q3 (-1Q)
47
Grade D$26.21+6.6% Next Q
Current
50
Grade D$27.94-1.4% Hist 90D α
Trajectory: D (42) → D (50)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a TREE Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While TREE currently carries a cautious 50/100 (D) rating due to Cash Engine Quality (7/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($26.38) and Max Pain ($29.34) forces dealer call-delta covering toward $72.38.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.52% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $TREE• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “TREE Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 50%NO 50%Trade / Inspect Odds →
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How TREE Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$73.1M (6.5% FCF Margin)
Revenue$1.12BGross Profit $581.0M (52%)Cost of Sales $536.3MOp Profit $64.8M (5.8%)OpEx (R&D/SG&A) $516.2MNet Profit$151.0M (13.5%)Tax/Other $0

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow
FY23
Rev $672.5M
FY24
Rev $900.2M
FY25
Rev $1.12B
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$1.12B52%5.8%$151.0M$73.1M8.6%
FY 2024$900.2M52%5%-$42.0M$62.3M10.2%
FY 2023$672.5M52%-6%-$122.0M$67.6M8.6%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring TREE)

  • ✓Walkthrough of TREE's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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TREE // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -28.19%📐 HORIZONTAL RANGE
2026-11-03O $28.03H $28.03L $27.94C $27.94VOL 289.8K
RES: $56.14SUP: $19.52SMA50: $26.38SMA200: $37.70
$56.00$47.19$38.38$29.57$20.77RES $56.14SUP $19.52$27.942026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TREE Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TREE Butterfly Map → + Track TREE →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
5.0%/yr Implied 5Y Growth

vs. +24.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on TREE today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TREE. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for TREE today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TREE)

Financials Rank #655 of 1097 ⚔️ BETR vs TREE Full Matrix →

1. Head-to-Head Financials Peer Comparison (TREE vs. BETR, GEMI, BRBI, CCAP)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, LendingTree Inc. (TREE) ranks #655 by composite RQD confidence (50/100, grade D) and #752 by equity capitalization ($392.3M). Within this direct 5-issuer industry benchmark cohort, CCAP leads on earnings valuation at 9.9x trailing P/E, while TREE leads on capital efficiency and profitability with 8.6% ROIC and — gross margin. CCAP currently holds the highest overall quantitative score in the immediate peer group at 51/100 (D) compared with TREE at 50/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
TREE ACTIVE
LendingTree Inc.
D 50/100 — — 8.6% -0.32% $392.3M Benchmark Subject
BETR
Better Home & Finance Holding Company (Class A)
E 31/100 — — -35.0% -9.19% $395.9M /betr-vs-tree →
GEMI
Gemini Space Station Inc. (Class A)
E 24/100 — — -35.0% -6.82% $376.1M /gemi-vs-tree →
BRBI
BRBI BR Partners S.A. ADSs
D 45/100 — — — -11.65% $353.5M /brbi-vs-tree →
CCAP
Crescent Capital BDC Inc.
D 51/100 9.9x — -11.1% -0.32% $341.6M /ccap-vs-tree →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001434621 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), LendingTree Inc. (TREE) reported GAAP revenue of $1.12B (+24.1% vs. FY2024 revenue of $900.2M , and +66.1% cumulative change since FY2023) , GAAP net income of $151.0M, operating cash flow of $73.1M, and free cash flow of $73.1M (+17.4% YoY). On the balance sheet, TREE closed FY2025 with $855.7M in total assets against $387.7M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.12B $151.0M $73.1M $73.1M $855.7M $387.7M
FY2024 (FY) 2024-12-31 $900.2M -$42.0M $62.3M $62.3M $767.7M $344.1M
FY2023 (FY) 2023-12-31 $672.5M -$122.0M $67.6M $67.6M — —

3. TREE Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TREE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, LendingTree Inc. (NASDAQ: TREE) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $27.94 (-0.32% 1D, market cap $392.3M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 9/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, TREE ranks #655 in composite RQD confidence.

How does TREE compare to BETR and GEMI in the Financials sector?

Within the Financials sector (Finance: Consumer Services), TREE carries a Roarable D (50/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 8.6%. By comparison, BETR (Better Home & Finance Holding Company (Class A)) holds a E grade (31/100 RQD, P/E N/A, ROIC -35.0%, cap $395.9M) and GEMI (Gemini Space Station Inc. (Class A)) posts a E grade (24/100 RQD, P/E N/A, ROIC -35.0%, cap $376.1M). Among the 5-stock peer group, CCAP leads on earnings multiple (9.9x) while TREE leads on capital efficiency (8.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for TREE?

Per TREE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001434621), LendingTree Inc. generated $1.12B in revenue (+24.1% YoY), $151.0M in net income, and $73.1M in free cash flow against $855.7M in total assets and $387.7M in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is TREE trading relative to its 50-day, 200-day, and 52-week technical levels?

TREE last traded at $27.94 (-0.32% on volume of 289,771 shares), positioning the stock +5.91% above its 50-day simple moving average ($26.38) and -25.89% below its 200-day simple moving average ($37.70). Across its 52-week range of $23.50 to $68.93, TREE sits at the 9.8% percentile with a 14-day RSI of 60.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.9% ($25.45 to $30.43).

Direct Sub-Reports: TREE RQD Cockpit TREE 12M Forecast TREE Earnings & Move TREE Dividends & DRIP TREE Insiders & 13F TREE Whale Options TREE Profit Sankey TREE News & Why
ROARABLE RATING BRIEF • RQD 50/100 (D) ✓ SEC XBRL & RQD VERIFIED

TREE — LendingTree Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

LendingTree Inc. (TREE) earns a live Roarable RQD composite score of 50/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $27.94 (-0.32% 1D, market capitalization $392.3M).

  • Fundamental Cash Engine (7/20): Anchored by return on invested capital (ROIC) of 8.6%, gross margin of —, operating margin of 5.8%, and free cash flow yield of 18.58%.
  • Whale 13F & Options Flow (8/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (9/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

LendingTree Inc. (TREE) is a NASDAQ-listed company classified under the Financials sector and the Finance: Consumer Services industry. Its market capitalization is $0.4B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), LendingTree Inc. (TREE) reported $1.12B in annual revenue (up from $900.2M in FY2024, +24.1% YoY) and $151.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($672.5M revenue, -$122.0M net income) through FY2025, TREE scaled operating cash flow to $73.1M and free cash flow to $73.1M, backed by $855.7M in total assets against $387.7M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D • RQD 50/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 18.58% and institutional whale pillar of 8/20. With Fundamental Cash Engine at 7/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $23.50 – $68.93 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh current valuation and 10.8x EV/EBITDA against 5.8% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

— for upstream or downstream dependencies, sector correlations, or second-order bottlenecks beyond the sector and industry classification (Financials; Finance: Consumer Services).

  • Key Question #1: Can TREE sustain or expand its 5.8% operating margin and 8.6% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.12B and free cash flow of $73.1M, how will capital allocation balance growth reinvestment against $387.7M in total debt?
  • Key Question #3: How sensitive is TREE's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

TREE Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for LendingTree Inc. (TREE) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to TREE Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

TREE Bull vs. Bear Conversation Board — What's Your Call at $27.94?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON TREE 🐻 33% BEARISH CONVICTION
1. Pick Your Side on TREE:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $34.93 (+25.0%)
📌 Pinned Debate

An 18.58% FCF yield and 13.5% net margin in FY 2025 show strong cash generation relative to the $393.5M market capitalization.

Don't sleep on TREE's setup in Financials. An 18.58% FCF yield and 13.5% net margin in FY 2025 show strong cash generation relative to the $393.5M market capitalization.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (50/100) backs up the fundamental quality.

VolSurface_Trader 🐂 BULL

Both sides have a point here — TREE's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

FO ForensicBear RQD DEBATE OPENER • 10-K Footnote Auditor 🐻 BEARISH 🎯 Target: $22.91 (-18.0%)
Spot @ $27.94

The RQD rating assigns a D grade and a Sell verdict, with weak institutional flow (8 / 20) and a fundamental pillar of only 7 / 20 desp

Fading this rally in TREE at $27.94. The RQD rating assigns a D grade and a Sell verdict, with weak institutional flow (8 / 20) and a fundamental pillar of only 7 / 20 despite the high FCF yield.. With a beta of 1.0 and the stock sitting at $27.94 (52-wk range $23.50–$68.93), the easy multiple expansion is already priced in.

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