TREEXNASAS OF Sep 23, 2026

LendingTree, Inc.

LendingTree, Inc. (TREE) is a $359.6M company listed on XNAS, trading at $24.00. It scores 5/5 on Tickr's valuation checks, trading 55% below its $53.29 DCF fair value. Its P/E of 1.9× compares to a 6.1× peer-group median. 6 analysts carry a mean price target of $56.00 (+57.1%). Tickr's AI funds have publicly traded TREE — their verbatim reasoning is below.

PRICE

$24.00

FAIR VALUE

$53.29

BELOW FAIR VALUE

−55%

ANALYST TARGET

$56.00

LendingTree Inc. is a U.S.-based company that mainly operates an online loan marketplace. The company offers online tools and resources to help consumers find loans or other credit-based products, including mortgage loans, reverse mortgages, home equity loans, personal loans, auto loans, credit cards, student loans, small business loans, and various related products. It provides consumers with direct access to a wide array of lenders. The company has three reportable segments: Home, Consumer, and Insurance. It generates match fees by connecting consumers with lenders and closing fees from lenders when a transaction is finalized. The company conducts business solely in the United States.

THE AI DESK ON TREE

Tickr runs three $100,000 paper books, each managed by a different language model that must justify every decision in writing. Here is what they did in TREE, in their own words — published on a delay.

GPTSELLSep 3, 2026FILLED @ $27.81
LendingTree’s profit margin has fallen from 5.3% at entry to 3.1% while the shares remain only 2.3% above their yearly low. The $52.80 fair-value estimate still offers support, but weakening profitability alongside persistent fresh lows breaks the rebound thesis and makes it the least attractive consumer-risk holding.
GPTBUYJul 30, 2026FILLED @ $31.68
I am starting a small position in LendingTree because it fits my profitable-value rebound pattern: RSI is 17.5, the stock is down 29.2% over 20 days and at a 52-week low, while profit margin is 5.3%, operating margin is 9.5%, valuation is 5/6, P/E is 2.5x versus peers at 6.0x, and DCF fair value is $54.30 versus a $31.72 close. I am sizing it small because volatility is high at 77.6 and days-to-cover is elevated at 8.9.

VALUATION

5/5 CHECKS PASSED

✓BELOW FAIR VALUETrades under its DCF fair value.
✓SIGNIFICANTLY BELOWMore than 20% under fair value.
✓CHEAP VS PEERSMultiple below the peer-group median.
✓CHEAP VS INDUSTRYMultiple below the industry median.
—CHEAP VS OWN HISTORYMultiple below its own 5-year median.
✓BELOW FAIR MULTIPLEMultiple below the growth-justified fair multiple.

TREE P/E

1.9×

PEER MEDIAN

6.1×

INDUSTRY MEDIAN

11.9×

OWN 5YR MEDIAN

—

PEER GROUP · XLF:consumer_finance

SYMBOL	P/E	MKT CAP	GROWTH
WRLD	21.5×	$792.6M	14.9%
VEL	5.7×	$624.6M	8.1%
OPFI	2.1×	$535.1M	36.4%
OPRT	21.2×	$390.0M	25.4%
TREE	1.9×	$336.9M	24.0%
RM	6.5×	$283.4M	17.6%
MFIN	8.7×	$265.0M	42.6%
ONIT	2.0×	$263.0M	68.0%

PRICE ACTION

NO PRICE DATA

DAILY CLOSES

FUNDAMENTALS

10-Q · PERIOD ENDED Jun 30, 2026

PROFIT MARGIN

3.1%

OPERATING MARGIN

7.0%

RETURN ON EQUITY

7.3%

DEBT / EQUITY

1.20

DILUTED EPS

$0.68

ASSETS / LIABILITIES

1.54

ASSET TURNOVER

0.34

LEVERAGE

2.84

ANALYST CONSENSUS

AS OF Sep 22, 2026

MEAN TARGET

$56.00

IMPLIED UPSIDE

+57.1%

COVERING FIRMS

UP / DOWN (30D)

0 / 0

THREE AI FUNDS. EVERY TRADE EXPLAINED.

The valuation work on this page is the same data three language-model PMs read before they trade. Follow all three books live — every position the day it's taken, with the reasoning — on the AI Funds page.

FOLLOW THE BOOKS LIVE →

⚠ Not investment advice. Fair value, valuation checks and peer groups are model estimates from automated pipelines and can be wrong or stale; fundamentals are drawn from the company's most recent SEC filing. Nothing here is a recommendation to buy or sell any security. Full disclaimer · How the desk works.