Stock

LendingTree

TREE

Financial - Credit Services · Financial Services

Also trades as: 0JTZ.L GBP 0.27 (+2.46%)

Price

$27.56

+0.98 (+3.69%)

Market Cap

$386.9M

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Oct 23, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality

Good

19/30

Growth

Good

12/20

Cash Flow

Mixed

3/10

Stability

Mixed

4/10

Valuation

Good

6/10

Ownership

Good

10/15

Dividends

Not counted

n/a

54 of 95 counted points = Winston Score 57. Pillars marked n/a do not apply to this company and are left out of the total.

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Share count rising — dilution

+2.7% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 13.7M (2021) → 14.1M (2025)

§Winston Score History

The full picture

LendingTree is an online marketplace where people can shop for financial products like mortgages, personal loans, credit cards, and insurance. Instead of going to one bank, consumers fill out a single form and get offers from multiple lenders competing for their business. The company connects everyday borrowers with banks, credit unions, and other financial institutions across the United States.

LendingTree makes money by charging lenders a fee each time a consumer is matched with or clicks on their offer — essentially a lead-generation model. The company operates almost entirely in the U.S. and, despite its small market cap of around $400 million, benefits from strong brand recognition built over two decades. Its main competitive advantage is the size of its lender network, but the business is highly sensitive to interest rates — when rates rise and loan demand falls, as seen in recent years, revenue can drop sharply, which remains the central risk facing the company.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+25.3% YoY

YoY Growth Rate

Strong revenue growth

EPS Growth

+4.5% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

$45M/ year

→ Flat (-2% vs prior year)

4.0% of revenue

Below sector average (7%)

Steady R&D investment year-over-year

Insider Activity

13.7%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

$111M cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Strong grower

LendingTree is growing revenue at 25% year-over-year. The Winston Score penalises unprofitable companies, but revenue at this pace tells a different story — this is a company still in "build mode."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

96.4%

Premium pricing power — 96.4% gross margin

Profit after running costs

Operating Margin

7.2%

Modest — 7.2% operating margin

Return on the money invested

ROCE

14.0%

Good — 14.0% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+25.3%

Fast-growing sales (+25.3% YoY)

Profit growth

EPS YoY

N/A

Data not available

How steady the profit is

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Profit that turns into cash

Cash Conversion

47%

Weak — only 47% of profit becomes cash

Spare cash per sale

FCF Margin

5.8%

Thin free cash flow (5.8%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns

Debt / Equity

1.35

Elevated debt (1.35)

Covers its interest

Interest Cover

2.38x

Tight — interest eats into profit (2.4x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

Price vs profit

P/E Ratio (TTM)

2.1x

Attractive valuation — P/E 2.1

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

-1.2

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Not applicable for this business.

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