What is LendingTree, Inc.'s earnings per share (EPS)?

LendingTree, Inc. (TREE) reported diluted earnings per share of $10.78 for fiscal year 2025. This represents a 443.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

LendingTree, Inc. (TREE) Financials

TREE

Trailing 12 months to June 30, 2026

Revenue $1.3B +25.3% YoY

Net Income $181.4M +434.1% YoY

EPS (Diluted) $12.93 +420.8% YoY

Free Cash Flow $73.9M -4.5% YoY

Market Cap $346.8M as of Oct 7, 2026

Price / Sales 0.3x on $1.3B revenue, trailing 12 months to June 30, 2026

Price / Earnings 1.9x on $181.4M net income, trailing 12 months to June 30, 2026

Price / Book 1.1x on $320.8M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 7, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Jul 31, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Jul 31, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the TREE SEC filings page.

LendingTree, Inc. (TREE) reported $1.3B in revenue over the twelve months to Jun 30, 2026, up 25.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI TREE FY2025 2026-10-04

LendingTree’s recovery is operationally profitable, but 2025’s headline earnings were far larger than the cash the business generated.

FY2025 net income of $151M was more than twice operating cash flow of $73.1M. That gap was amplified by a $130.3M tax benefit, leaving reported earnings and cash generation misaligned and making cash flow the more conservative view of operating output.

Revenue recovered sharply between FY2023 and FY2025 while operating margin moved from -6.0% to 5.8%, showing that the business regained profitability as activity returned. Yet gross margin fell to 31.5% in FY2025, so the improvement came mainly from operating-cost absorption rather than broader improvement in unit economics.

Debt-to-equity fell from 4.2x in FY2023 to 1.4x in FY2025, reducing balance-sheet dependence on creditors. Current ratio also recovered from 1.0x in FY2024 to 1.7x in FY2025, indicating that short-term coverage improved alongside deleveraging.

Financial Health Signals

Financial health score not available

LendingTree, Inc. does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Neutral

5/9

LendingTree, Inc. passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.

Earnings Quality Low Quality

0.48x

For every $1 of reported earnings, LendingTree, Inc. generates $0.48 in operating cash flow ($73.1M OCF vs $151.0M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Interest Coverage At Risk

1.39x

LendingTree, Inc. earns $1.39 in operating income for every $1 of interest expense ($64.8M vs $46.8M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

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Earnings & Revenue

Revenue

$313.4M

YoY+25.3%

QoQ-4.2%

5Y CAGR+3.0%

10Y CAGR+12.8%

LendingTree, Inc. generated $313.4M in revenue in Q2 2026. This represents an increase of 25.3% from the same quarter a year earlier. Against the prior quarter it is down 4.2%.

EBITDA

$26.1M

YoY+3.6%

QoQ-26.1%

5Y CAGR+11.7%

10Y CAGR+6.5%

LendingTree, Inc.'s EBITDA was $26.1M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 3.6% from the same quarter a year earlier. Against the prior quarter it is down 26.1%.

Net Income

$9.6M

YoY+8.0%

QoQ-44.5%

5Y CAGR+7.7%

10Y CAGR+2.0%

LendingTree, Inc. reported $9.6M in net income in Q2 2026. This represents an increase of 8.0% from the same quarter a year earlier. Against the prior quarter it is down 44.5%.

EPS (Diluted)

$0.68

YoY+4.6%

QoQ-44.3%

5Y CAGR+7.2%

10Y CAGR+0.9%

LendingTree, Inc. earned $0.68 per diluted share (EPS) in Q2 2026. This represents an increase of 4.6% from the same quarter a year earlier. Against the prior quarter it is down 44.3%.

Cash & Balance Sheet

Free Cash Flow

$26.0M

YoY+3.1%

QoQ+196.1%

5Y CAGR-4.4%

10Y CAGR+59.4%

LendingTree, Inc. generated $26.0M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 3.1% from the same quarter a year earlier. Against the prior quarter it is up 196.1%.

Cash & Debt

$110.8M

YoY-25.7%

QoQ+29.5%

5Y CAGR-11.4%

10Y CAGR-3.6%

LendingTree, Inc. held $110.8M in cash against $386.4M in long-term debt as of Q2 2026.

Shares Outstanding

14M

YoY+3.1%

QoQ+0.6%

5Y CAGR+1.1%

10Y CAGR+1.8%

LendingTree, Inc. had 14M shares outstanding in Q2 2026. This represents an increase of 3.1% from the same quarter a year earlier. Against the prior quarter it is up 0.6%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Gross Margin

28.3%

YoY-5.7pp

QoQ-2.5pp

5Y change-10.8pp

LendingTree, Inc.'s gross margin was 28.3% in Q2 2026, indicating the percentage of revenue retained after direct costs. This is down 5.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.5 percentage points.

Operating Margin

7.0%

YoY-1.4pp

QoQ-2.6pp

5Y change+3.0pp

10Y change-6.5pp

LendingTree, Inc.'s operating margin was 7.0% in Q2 2026, reflecting core business profitability. This is down 1.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.6 percentage points.

Net Margin

3.0%

YoY-0.5pp

QoQ-2.2pp

5Y change+0.6pp

10Y change-5.3pp

LendingTree, Inc.'s net profit margin was 3.0% in Q2 2026, showing the share of revenue converted to profit. This is down 0.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.2 percentage points.

Return on Equity

3.0%

YoY-4.5pp

QoQ-2.7pp

5Y change+1.4pp

10Y change-0.7pp

LendingTree, Inc.'s ROE was 3.0% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 4.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.7 percentage points.

Capital Allocation

R&D Spending

$10.0M

YoY-12.6%

QoQ-12.5%

5Y CAGR-5.5%

LendingTree, Inc. invested $10.0M in research and development in Q2 2026. This represents a decrease of 12.6% from the same quarter a year earlier. Against the prior quarter it is down 12.5%.

Capital Expenditures

$3.2M

YoY+15.3%

QoQ+14.3%

5Y CAGR-24.7%

10Y CAGR-3.0%

LendingTree, Inc. invested $3.2M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 15.3% from the same quarter a year earlier. Against the prior quarter it is up 14.3%.

Share Buybacks

Not reported for Q2 2026.

TREE Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TREE quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$1.3B	$1.1B+24.1%	$900.2M+33.9%	$672.5M-31.7%	$985.0M-10.3%	$1.1B+20.7%	$910.0M-17.8%	$1.1B+44.7%	$764.9M+23.8%	$617.7M+60.7%	$384.4M+51.2%	$254.2M+51.9%	$167.3M+20.2%	$139.2M+79.8%	$77.4M+41.8%	$54.6M
Cost of Revenue	$45.6M	$42.5M+17.9%	$36.1M-6.9%	$38.8M-32.9%	$57.8M+0.8%	$57.3M+5.1%	$54.5M-20.3%	$68.4M+87.9%	$36.4M+111.3%	$17.2M+25.1%	$13.8M+46.9%	$9.4M+18.6%	$7.9M+20.8%	$6.5M+52.3%	$4.3M+3.9%	$4.1M
Gross Profit	$377.5M	$352.0M+13.7%	$309.6M+6.8%	$289.8M-21.5%	$368.9M-10.1%	$410.4M+11.1%	$369.5M-14.5%	$432.3M+41.7%	$305.1M+21.4%	$251.4M-32.2%	$370.6M+51.4%	$244.8M+53.6%	$159.4M+20.2%	$132.7M+81.4%	$73.1M+44.9%	$50.5M
R&D Expenses	$43.4M	$45.3M-2.4%	$46.4M-1.8%	$47.2M-15.0%	$55.6M+5.1%	$52.9M+21.1%	$43.6M+9.2%	$40.0M+48.2%	$27.0M+50.4%	$17.9M+30.3%	$13.8M+31.2%	$10.5M+40.6%	$7.5M+41.7%	$5.3M+49.2%	$3.5M+10.2%	$3.2M
SG&A Expenses	$110.9M	$112.9M+3.8%	$108.7M-7.6%	$117.7M-22.8%	$152.4M-0.7%	$153.5M+18.9%	$129.1M+10.5%	$116.8M+15.4%	$101.2M+41.5%	$71.5M+92.2%	$37.2M+24.0%	$30.0M+16.0%	$25.9M+5.0%	$24.7M+10.9%	$22.2M+12.6%	$19.8M
Operating Income	$103.9M	$64.8M+45.2%	$44.6M+209.9%	-$40.6M-24.0%	-$32.8M-507.9%	$8.0M+221.6%	-$6.6M-113.0%	$50.7M-9.7%	$56.2M+69.6%	$33.1M-36.4%	$52.1M+82.8%	$28.5M+3042.6%	-$969K+12.5%	-$1.1M+61.2%	-$2.9M+95.3%	-$61.1M
EBITDA	N/A	$81.3M+29.2%	$62.9M+392.1%	-$21.5M-70.1%	-$12.7M-148.8%	$25.9M+241.4%	$7.6M-87.7%	$61.7M-2.9%	$63.6M+58.1%	$40.2M-29.5%	$57.1M+81.0%	$31.5M+1285.0%	$2.3M-4.9%	$2.4M+90.9%	$1.3M+102.2%	-$56.1M
Interest Expense	$44.4M	$46.8M+68.0%	$27.8M+28.4%	$21.7M-16.6%	$26.0M-44.5%	$46.9M+29.1%	$36.3M+79.1%	$20.3M+63.0%	$12.4M+77.0%	$7.0M+1152.8%	$561K+228.1%	$171K+8450.0%	$2K-89.5%	$19K-97.8%	$881K+139.4%	$368K
Income Tax	-$119.5M	-$130.3M-3115.8%	$4.3M+271.8%	-$2.5M-101.9%	$133.0M+1077.4%	$11.3M+156.6%	-$20.0M-135.4%	-$8.5M+87.1%	-$65.6M-1142.4%	$6.3M-69.1%	$20.4M+188.7%	-$23.0M-4646.5%	-$484K-6.8%	-$453K+69.5%	-$1.5M+87.4%	-$11.8M
Net Income	$181.4M	$151.0M+459.5%	-$42.0M+65.6%	-$122.0M+35.1%	-$188.0M-372.5%	$69.0M+243.0%	-$48.3M-370.7%	$17.8M-81.5%	$96.5M+519.5%	$15.6M-43.3%	$27.5M-42.8%	$48.0M+413.2%	$9.4M+137.2%	$3.9M-91.5%	$46.6M+178.4%	-$59.5M
EPS (Basic)	N/A	$11.14+454.8%	-$3.14+66.8%	-$9.46+35.6%	-$14.69-380.3%	$5.24+241.2%	-$3.71-366.9%	$1.39-82.0%	$7.72+493.8%	$1.30-44.2%	$2.33-44.1%	$4.17+396.4%	$0.84+133.3%	$0.36-91.7%	$4.36+176.1%	-$5.73
EPS (Diluted)	$12.93	$10.78+443.3%	-$3.14+66.8%	-$9.46+35.6%	-$14.69-390.9%	$5.05+236.1%	-$3.71-404.1%	$1.22-82.2%	$6.85+500.9%	$1.14-47.0%	$2.15-43.9%	$3.83+356.0%	$0.84+133.3%	$0.36-91.7%	$4.36+176.1%	-$5.73
Diluted Shares (Avg)	N/A	14M+6.0%	13M+2.5%	13M+1.2%	13M-6.6%	14M+5.3%	13M-11.0%	15M+3.7%	14M+3.0%	14M+7.1%	13M+1.8%	13M+12.1%	11M+1.4%	11M+3.2%	11M+3.1%	10M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$313.4M+25.3%	$327.3M+36.5%	$319.7M+22.2%	$307.8M+18.0%	$250.1M+19.0%	$239.7M+42.9%	$261.5M+94.7%	$260.8M+68.0%
Cost of Revenue	$11.3M+12.4%	$11.7M+18.0%	$11.6M+18.8%	$11.0M+17.6%	$10.0M+19.2%	$9.9M+16.0%	$9.7M+19.9%	$9.4M+23.8%
Gross Profit	$88.8M+4.4%	$100.8M+27.6%	$93.4M+6.2%	$94.6M+20.3%	$85.1M+17.4%	$79.0M+12.0%	$87.9M+41.3%	$78.6M+13.9%
R&D Expenses	$10.0M-12.6%	$11.5M-3.7%	$10.6M-18.2%	$11.3M+1.0%	$11.5M+10.6%	$11.9M+0.4%	$12.9M+16.5%	$11.2M+3.2%
SG&A Expenses	$25.7M+2.7%	$28.0M-8.7%	$31.0M+6.4%	$26.2M-1.7%	$25.0M-7.7%	$30.7M+18.9%	$29.1M+14.3%	$26.7M+1.1%
Operating Income	$21.8M+4.2%	$31.1M+537.7%	$22.2M+23.9%	$28.8M+190.0%	$20.9M+118.3%	-$7.1M-199.0%	$17.9M+8218.1%	$9.9M+129.2%
EBITDA	$26.1M+3.6%	$35.3M+1355.3%	$26.2M+16.8%	$32.8M+125.9%	$25.2M+77.4%	-$2.8M-123.7%	$22.4M+385.7%	$14.5M+149.6%
Interest Expense	$8.5M-18.4%	$8.6M-5.7%	$9.4M-5.6%	$17.9M+78.0%	$10.4M+766.1%	$9.1M+36.8%	$9.9M-6.9%	$10.1M+41.8%
Income Tax	$4.6M+139.7%	$5.7M+332.6%	-$131.2M-8158.2%	$1.4M+219.0%	$1.9M+13.2%	-$2.4M-534.7%	$1.6M+310.1%	$447K+112.6%
Net Income	$9.6M+8.0%	$17.3M+239.5%	$144.3M+1902.1%	$10.2M+117.5%	$8.9M+14.3%	-$12.4M-1318.0%	$7.2M-45.1%	-$58.0M+60.9%
EPS (Basic)	$0.69+6.2%	$1.25+235.9%	$10.65+1736.2%	$0.75+117.3%	$0.65+12.1%	-$0.92-1250.0%	$0.58-42.0%	-$4.34+62.0%
EPS (Diluted)	$0.68+4.6%	$1.22+232.6%	$10.30+1675.9%	$0.73+116.8%	$0.65+12.1%	-$0.92-1250.0%	$0.58-42.0%	-$4.34+62.0%
Diluted Shares (Avg)	14M+3.0%	14M+5.2%	N/A	14M+4.8%	14M+1.8%	13M+1.2%	N/A	13M+2.7%

TREE Balance Sheet

TREE quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$855.7M+11.5%	$767.7M-4.4%	$802.8M-33.1%	$1.2B-7.7%	$1.3B+9.3%	$1.2B+25.4%	$948.0M+5.8%	$896.1M+29.2%	$693.5M+114.4%	$323.4M+9.3%	$295.8M+111.4%	$139.9M-8.4%	$152.6M+6.6%	$143.2M-56.8%	$331.3M
Current Assets	$229.7M-3.7%	$238.5M+21.4%	$196.5M-52.5%	$414.0M+10.6%	$374.4M+26.3%	$296.4M+56.5%	$189.4M-19.1%	$234.2M-46.5%	$438.0M+211.5%	$140.6M-42.7%	$245.6M+105.2%	$119.7M-9.9%	$132.7M+8.6%	$122.3M-58.8%	$297.0M
Cash & Equivalents	$81.1M-23.9%	$106.6M-4.9%	$112.1M-62.5%	$298.8M+19.0%	$251.2M+47.8%	$169.9M+182.1%	$60.2M-42.7%	$105.1M-71.5%	$368.6M+304.4%	$91.1M-56.0%	$207.0M+140.1%	$86.2M-6.0%	$91.7M+14.3%	$80.2M+76.1%	$45.5M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$110.6M+13.1%	$97.8M+77.9%	$55.0M-33.8%	$83.1M-14.9%	$97.7M+8.7%	$89.8M-20.8%	$113.5M+24.6%	$91.1M+70.4%	$53.4M+29.1%	$41.4M+38.5%	$29.9M+119.5%	$13.6M+5.9%	$12.8M+11.9%	$11.5M+109.9%	$5.5M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$381.5M0.0%	$381.5M0.0%	$381.5M-9.2%	$420.1M0.0%	$420.1M0.0%	$420.1M0.0%	$420.1M+20.6%	$348.3M+207.3%	$113.4M+100.8%	$56.5M+1454.4%	$3.6M0.0%	$3.6M0.0%	$3.6M0.0%	$3.6M0.0%	$3.6M
Total Liabilities	$568.9M-13.7%	$658.9M-2.9%	$678.6M-31.5%	$991.4M+16.4%	$851.4M+3.3%	$824.2M+51.1%	$545.6M-0.8%	$549.9M+38.0%	$398.6M+333.3%	$92.0M+68.4%	$54.6M+25.5%	$43.5M-33.7%	$65.6M+8.9%	$60.2M-78.9%	$285.9M
Current Liabilities	$137.5M-42.8%	$240.5M+218.0%	$75.6M-8.4%	$82.5M-69.9%	$274.4M+145.4%	$111.8M-51.5%	$230.7M-11.9%	$262.0M+77.6%	$147.5M+121.1%	$66.7M+23.5%	$54.0M+39.8%	$38.6M-35.8%	$60.2M+10.7%	$54.4M-80.6%	$280.3M
Non-Current Liabilities	$431.4M+3.1%	$418.4M-30.6%	$603.0M-33.7%	$908.8M+57.5%	$576.9M-19.0%	$712.4M+126.2%	$314.9M+9.4%	$288.0M+14.7%	$251.1M+893.0%	$25.3M+4031.5%	$612K-87.5%	$4.9M-10.1%	$5.4M-7.6%	$5.9M+6.1%	$5.5M
Long-Term Debt	$387.7M+12.7%	$344.1M-34.5%	$525.6M-35.4%	$813.5M+70.1%	$478.2M-21.8%	$611.4M+131.3%	$264.4M+5.4%	$250.9M+5.4%	$238.2M	$0	N/A	N/A	N/A	N/A	N/A
Total Equity	$286.8M+163.5%	$108.8M-12.3%	$124.1M-40.3%	$207.9M-53.6%	$448.0M+22.8%	$364.8M-9.3%	$402.3M+16.2%	$346.2M+17.4%	$294.9M+27.4%	$231.4M-4.0%	$241.1M+150.2%	$96.4M+10.8%	$87.0M+4.9%	$82.9M+82.4%	$45.5M
Retained Earnings	-$728.1M+17.2%	-$879.4M-5.0%	-$837.7M-17.1%	-$715.3M-25.1%	-$571.8M+10.8%	-$640.9M-8.1%	-$592.7M+2.9%	-$610.5M+13.8%	-$708.4M+2.0%	-$722.6M+3.7%	-$750.1M+6.0%	-$798.2M+1.2%	-$807.5M+0.5%	-$811.5M+5.4%	-$858.1M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$911.6M+9.1%	$863.9M+11.2%	$855.7M+11.5%	$759.9M-3.5%	$835.8M+4.2%	$777.1M-16.1%	$767.7M-4.4%	$787.2M-11.1%
Current Assets	$299.8M-6.0%	$244.4M-4.0%	$229.7M-3.7%	$258.8M+2.8%	$319.0M+54.9%	$254.5M-21.9%	$238.5M+21.4%	$251.7M-5.7%
Cash & Equivalents	$110.8M-25.7%	$85.5M-32.3%	$81.1M-23.9%	$68.6M-29.1%	$149.1M+123.4%	$126.4M-45.2%	$106.6M-4.9%	$96.8M-44.9%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	$149.3M+18.3%	$117.5M+37.8%	$110.6M+13.1%	$149.4M+19.3%	$126.2M+17.2%	$85.2M+34.6%	$97.8M+77.9%	$125.3M+94.7%
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$381.5M0.0%	$381.5M0.0%	$381.5M0.0%	$381.5M0.0%	$381.5M0.0%	$381.5M0.0%	$381.5M0.0%	$381.5M0.0%
Total Liabilities	$590.9M-17.7%	$559.1M-17.0%	$568.9M-13.7%	$627.5M-9.4%	$717.7M+9.3%	$673.4M-15.3%	$658.9M-2.9%	$692.9M-11.4%
Current Liabilities	$162.4M-37.7%	$129.3M-39.1%	$137.5M-42.8%	$180.9M-33.5%	$260.6M+130.4%	$212.5M+142.3%	$240.5M+218.0%	$272.2M+283.1%
Non-Current Liabilities	$428.5M-6.3%	$429.8M-6.7%	$431.4M+3.1%	$446.7M+6.2%	$457.1M-15.9%	$460.8M-34.9%	$418.4M-30.6%	$420.7M-40.9%
Long-Term Debt	$386.4M+0.3%	$387.0M-0.2%	$387.7M+12.7%	$388.4M+12.2%	$385.1M-17.7%	$387.7M-38.6%	$344.1M-34.5%	$346.2M-44.7%
Total Equity	$320.8M+171.6%	$304.7M+193.7%	$286.8M+163.5%	$132.4M+40.5%	$118.1M-19.0%	$103.7M-21.1%	$108.8M-12.3%	$94.3M-8.1%
Retained Earnings	-$701.3M+20.6%	-$710.8M+20.3%	-$728.1M+17.2%	-$872.8M+1.6%	-$882.9M-6.5%	-$891.8M-6.6%	-$879.4M-5.0%	-$886.9M-4.3%

Not reported in any period shown, so not listed: Inventory.

TREE Cash Flow Statement

TREE quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$86.1M	$73.1M+17.4%	$62.3M-7.9%	$67.6M+57.3%	$43.0M-67.3%	$131.3M+17.9%	$111.3M-29.2%	$157.2M+26.8%	$123.9M+19.7%	$103.5M+61.2%	$64.2M+72.7%	$37.2M+309.8%	$9.1M-11.4%	$10.2M+316.8%	-$4.7M+83.2%	-$28.1M
Depreciation & Amortization	N/A	$16.5M-10.1%	$18.3M-4.0%	$19.1M-5.1%	$20.1M+12.2%	$17.9M+26.1%	$14.2M+29.1%	$11.0M+48.9%	$7.4M+4.2%	$7.1M+43.3%	$4.9M+64.4%	$3.0M-7.3%	$3.2M-7.3%	$3.5M-14.7%	$4.1M-18.3%	$5.0M
Stock-Based Compensation	N/A	$29.5M+3.1%	$28.6M-28.0%	$39.7M-33.4%	$59.6M-13.0%	$68.6M+27.6%	$53.7M+3.0%	$52.2M+17.6%	$44.4M+89.9%	$23.4M+142.2%	$9.6M+13.4%	$8.5M+14.3%	$7.4M+32.3%	$5.6M+22.7%	$4.6M+21.4%	$3.8M
Capital Expenditures	$12.2M	$12.4M+10.7%	$11.2M-10.4%	$12.5M+9.5%	$11.4M-67.4%	$35.1M-16.8%	$42.1M+110.3%	$20.0M+34.4%	$14.9M+85.4%	$8.0M-74.8%	$32.0M+341.6%	$7.2M+87.7%	$3.9M+40.2%	$2.8M+4.5%	$2.6M-56.9%	$6.1M
Free Cash Flow	$73.9M	$60.7M+18.9%	$51.0M-7.3%	$55.0M+74.6%	$31.5M-67.2%	$96.2M+39.1%	$69.2M-49.6%	$137.1M+25.8%	$109.0M+14.2%	$95.5M+196.0%	$32.3M+7.7%	$29.9M+473.8%	$5.2M-30.3%	$7.5M+201.8%	-$7.4M+78.5%	-$34.2M
Investing Cash Flow	-$9.7M	-$9.9M+11.5%	-$11.2M+10.1%	-$12.5M+55.2%	-$27.9M-376.9%	$10.1M+108.2%	-$122.1M-20.9%	-$101.1M+73.6%	-$383.0M-414.6%	-$74.4M	N/A	N/A	N/A	N/A	N/A	N/A
Financing Cash Flow	-$114.8M	-$88.7M-57.0%	-$56.5M+76.7%	-$242.0M-843.8%	$32.5M+151.4%	-$63.3M-132.8%	$193.3M+320.5%	-$87.7M-1910.4%	$4.8M-98.1%	$253.1M	N/A	N/A	N/A	N/A	N/A	N/A
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0	$0-100.0%	$131K-42.8%	$229K+259.0%	-$144K-101.3%	$11.4M	N/A
Share Buybacks	N/A	N/A	$0	$0-100.0%	$43.0M+7.5%	$40.0M	$0-100.0%	$5.5M-94.2%	$93.7M+370.9%	$19.9M-59.0%	$48.5M+22158.7%	$218K-91.6%	$2.6M-21.4%	$3.3M+277.8%	$879K	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$29.2M+4.3%	$11.6M+5601.0%	$16.5M+1.8%	$28.8M-36.3%	$28.0M+665.5%	-$210K-103.7%	$16.2M-22.2%	$45.3M+145.1%
Depreciation & Amortization	$4.3M+0.8%	$4.2M-2.6%	$3.9M-11.7%	$4.0M-12.8%	$4.2M-7.8%	$4.3M-7.9%	$4.4M-7.9%	$4.6M-3.7%
Stock-Based Compensation	$6.2M+20.4%	$4.1M-59.1%	N/A	$5.0M-27.1%	$5.2M-30.6%	$9.9M+27.4%	N/A	$6.9M-30.4%
Capital Expenditures	$3.2M+15.3%	$2.8M-18.9%	$3.0M+6.3%	$3.3M+11.7%	$2.7M+0.5%	$3.4M+24.3%	$2.8M+8.5%	$2.9M-42.4%
Free Cash Flow	$26.0M+3.1%	$8.8M+342.3%	$13.5M+0.8%	$25.6M-39.6%	$25.2M+428.5%	-$3.6M-222.3%	$13.4M-26.6%	$42.3M+216.1%
Investing Cash Flow	-$3.2M-15.3%	-$2.7M+20.4%	-$3.0M-6.3%	-$768K+73.7%	-$2.7M-0.6%	-$3.4M-24.3%	-$2.8M-10.7%	-$2.9M+42.4%
Financing Cash Flow	-$752K+69.5%	-$4.4M-118.7%	-$1.0M+71.4%	-$108.6M-781.9%	-$2.5M+98.4%	$23.4M-79.8%	-$3.6M+95.6%	-$12.3M-2439.4%

Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.

TREE Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

TREE quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Gross Margin	31.5%-2.9pp	34.4%-8.7pp	43.1%+5.6pp	37.5%+0.1pp	37.4%-3.2pp	40.6%+1.5pp	39.1%-0.8pp	39.9%-0.8pp	40.7%-55.7pp	96.4%+0.1pp	96.3%+1.0pp	95.3%0.0pp	95.3%+0.8pp	94.5%+2.0pp	92.4%
Operating Margin	5.8%+0.8pp	5.0%+11.0pp	-6.0%-2.7pp	-3.3%-4.1pp	0.7%+1.5pp	-0.7%-5.3pp	4.6%-2.8pp	7.3%+2.0pp	5.4%-8.2pp	13.6%+2.3pp	11.2%+11.8pp	-0.6%+0.2pp	-0.8%+2.9pp	-3.7%	-111.9%
Net Margin	13.5%+18.2pp	-4.7%+13.5pp	-18.1%+0.9pp	-19.1%-25.4pp	6.3%+11.6pp	-5.3%-6.9pp	1.6%-11.0pp	12.6%+10.1pp	2.5%-4.6pp	7.1%-11.8pp	18.9%+13.3pp	5.6%+2.8pp	2.8%-57.4pp	60.2%	-108.9%
Return on Equity	52.6%+91.3pp	-38.6%+59.7pp	-98.3%-7.9pp	-90.4%-105.8pp	15.4%+28.6pp	-13.2%-17.7pp	4.4%-23.4pp	27.9%+22.6pp	5.3%-6.6pp	11.9%-8.0pp	19.9%+10.2pp	9.7%+5.2pp	4.5%-51.7pp	56.2%+187.1pp	-130.9%
Return on Assets	17.6%+23.1pp	-5.5%+9.7pp	-15.2%+0.5pp	-15.7%-21.0pp	5.3%+9.4pp	-4.1%-5.9pp	1.9%-8.9pp	10.8%+8.5pp	2.3%-6.3pp	8.5%-7.7pp	16.2%+9.5pp	6.7%+4.1pp	2.6%-30.0pp	32.6%+50.5pp	-18.0%
Current Ratio	1.67+0.7x	0.99-1.6x	2.60-2.4x	5.02+3.7x	1.36-1.3x	2.65+1.8x	0.82-0.1x	0.89-2.1x	2.97+0.9x	2.11-2.4x	4.55+1.4x	3.10+0.9x	2.210.0x	2.25+1.2x	1.06
Debt-to-Equity	1.35-1.8x	3.16-1.1x	4.23+0.3x	3.91+2.8x	1.07-0.6x	1.68+1.0x	0.66-0.1x	0.72-0.1x	0.81+0.8x	0.00-0.2x	0.23-0.2x	0.45-0.3x	0.750.0x	0.73-5.6x	6.29
Asset Turnover	1.31+0.1x	1.17+0.3x	0.840.0x	0.820.0x	0.85+0.1x	0.77-0.4x	1.17+0.3x	0.850.0x	0.89-0.3x	1.19+0.3x	0.86-0.3x	1.20+0.3x	0.91+0.4x	0.54+0.4x	0.16
FCF Margin	5.4%-0.2pp	5.7%-2.5pp	8.2%+5.0pp	3.2%-5.6pp	8.8%+1.2pp	7.6%-4.8pp	12.4%-1.9pp	14.3%-1.2pp	15.5%+7.1pp	8.4%-3.4pp	11.8%+8.7pp	3.1%-2.3pp	5.4%+14.9pp	-9.5%+53.0pp	-62.5%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Gross Margin	28.3%-5.7pp	30.8%-2.2pp	29.2%-4.4pp	30.7%+0.6pp	34.0%-0.5pp	33.0%-9.1pp	33.6%-12.7pp	30.1%-14.4pp
Operating Margin	7.0%-1.4pp	9.5%+12.5pp	7.0%+0.1pp	9.3%+5.5pp	8.4%+3.8pp	-3.0%-7.2pp	6.9%+7.0pp	3.8%+25.7pp
Net Margin	3.0%-0.5pp	5.3%+10.4pp	45.1%+42.4pp	3.3%+25.5pp	3.5%-0.2pp	-5.2%-5.8pp	2.8%-7.0pp	-22.2%+73.4pp
Return on Equity	3.0%-4.5pp	5.7%+17.6pp	50.3%+43.7pp	7.7%+69.2pp	7.5%+2.2pp	-11.9%-12.7pp	6.6%-3.9pp	-61.5%+83.2pp
Return on Assets	1.1%0.0pp	2.0%+3.6pp	16.9%+15.9pp	1.3%+8.7pp	1.1%+0.1pp	-1.6%-1.7pp	0.9%-0.7pp	-7.4%+9.4pp
Current Ratio	1.85+0.6x	1.89+0.7x	1.67+0.7x	1.43+0.5x	1.22-0.6x	1.20-2.5x	0.99-1.6x	0.92-2.8x
Debt-to-Equity	1.20-2.1x	1.27-2.5x	1.35-1.8x	2.93-0.7x	3.26+0.1x	3.74-1.1x	3.16-1.1x	3.67-2.4x
Asset Turnover	0.340.0x	0.38+0.1x	0.370.0x	0.41+0.1x	0.300.0x	0.31+0.1x	0.34+0.2x	0.33+0.2x
FCF Margin	8.3%-1.8pp	2.7%+4.2pp	4.2%-0.9pp	8.3%-7.9pp	10.1%+13.7pp	-1.5%-3.3pp	5.1%-8.5pp	16.2%+7.6pp

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
LendingTree, Inc. TREE	FY2025	$1.1B	$151.0M	13.5%	$346.8M	—
HILLTOP HOLDINGS INC. HTH	FY2025	$1.3B	$166.0M	13.0%	$2.2B	20/100
VOYA FINANCIAL, INC. VOYA	FY2025	$8.2B	$654.0M	8.0%	$8.9B	34/100
BRC Group Holdings, Inc. RILY	FY2025	$967.6M	$307.0M	31.7%	$196.2M	4/100
Freedom Holding Corp. FRHC	FY2026	$2.2B	$153.3M	7.0%	$11.1B	25/100
Atlanticus Holdings Corporation ATLC	FY2025	$1.7B	$120.6M	7.2%	$1.4B	15/100

Where LendingTree, Inc. Ranks

Frequently Asked Questions

What is LendingTree, Inc.'s annual revenue?

LendingTree, Inc. (TREE) reported $1.1B in total revenue for fiscal year 2025. This represents a 24.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is LendingTree, Inc.'s revenue growing?

LendingTree, Inc. (TREE) revenue grew by 24.1% year-over-year, from $900.2M to $1.1B in fiscal year 2025.

Is LendingTree, Inc. profitable?

Yes, LendingTree, Inc. (TREE) reported a net income of $151.0M in fiscal year 2025, with a net profit margin of 13.5%.

What is LendingTree, Inc.'s EBITDA?

LendingTree, Inc. (TREE) had EBITDA of $81.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does LendingTree, Inc. have?

As of fiscal year 2025, LendingTree, Inc. (TREE) had $81.1M in cash and equivalents against $387.7M in long-term debt.

What is LendingTree, Inc.'s gross margin?

LendingTree, Inc. (TREE) had a gross margin of 31.5% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is LendingTree, Inc.'s operating margin?

LendingTree, Inc. (TREE) had an operating margin of 5.8% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is LendingTree, Inc.'s net profit margin?

LendingTree, Inc. (TREE) had a net profit margin of 13.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is LendingTree, Inc.'s return on equity (ROE)?

LendingTree, Inc. (TREE) has a return on equity of 52.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is LendingTree, Inc.'s free cash flow?

LendingTree, Inc. (TREE) generated $60.7M in free cash flow during fiscal year 2025. This represents a 18.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is LendingTree, Inc.'s operating cash flow?

LendingTree, Inc. (TREE) generated $73.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are LendingTree, Inc.'s total assets?

LendingTree, Inc. (TREE) had $855.7M in total assets as of fiscal year 2025, including both current and long-term assets.

What are LendingTree, Inc.'s capital expenditures?

LendingTree, Inc. (TREE) invested $12.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How much does LendingTree, Inc. spend on research and development?

LendingTree, Inc. (TREE) invested $45.3M in research and development during fiscal year 2025.

How many shares does LendingTree, Inc. have outstanding?

LendingTree, Inc. (TREE) had 14M shares outstanding as of fiscal year 2025.

What is LendingTree, Inc.'s current ratio?

LendingTree, Inc. (TREE) had a current ratio of 1.67 as of fiscal year 2025, which is generally considered healthy.

What is LendingTree, Inc.'s debt-to-equity ratio?

LendingTree, Inc. (TREE) had a debt-to-equity ratio of 1.35 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is LendingTree, Inc.'s return on assets (ROA)?

LendingTree, Inc. (TREE) had a return on assets of 17.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is LendingTree, Inc.'s P/E ratio?

LendingTree, Inc. (TREE) trades at 1.9x earnings, its market capitalization divided by net income of $181.4M net income, trailing 12 months to June 30, 2026. The market capitalization is $346.8M as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is LendingTree, Inc.'s price-to-sales ratio?

LendingTree, Inc. (TREE) trades at 0.3x sales, its market capitalization divided by revenue of $1.3B revenue, trailing 12 months to June 30, 2026. The market capitalization is $346.8M as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is LendingTree, Inc.'s Piotroski F-Score?

LendingTree, Inc. (TREE) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are LendingTree, Inc.'s earnings high quality?

LendingTree, Inc. (TREE) has an earnings quality ratio of 0.48x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

Can LendingTree, Inc. cover its interest payments?

LendingTree, Inc. (TREE) has an interest coverage ratio of 1.39x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.