Nov 3
TREE · LendingTree, Inc.
$37.01
-1.72 (-4.44%)
At close · Nov 6
Return incl. dividend (before tax)
Market Cap
$519.60M
Shares
14.04M
Volume · Nov 6
384.51K
Avg daily vol (3M)
395.2K
You came from your AI assistant. Add Equibles to it and ask about this data directly, free.
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$37.01
Open$36.93
Day$36.09–38.08
52W close$24.00–68.01
Avg vol 30d358K
Short int1.1M · 7.5% of shares · 4.3d
Short vol28%
Last earningsNov 3, 2026
DataJan 2020–Nov 2026
Filing10-Q · Jul 31
Up next
Feb 5, 2027
Est · unconfirmed
· in 13 wks
Latest documents
2026
Nov 3
Oct 30
Current report
8-K
Events of Oct 27
Director or officer change, or executive pay, Charter or bylaw amendment, or fiscal year change
LendingTree, Inc. reported that Heather Novitsky will leave as General Counsel effective December 31, 2026, provide transition services until March 12, 2027, and receive Tier A severance subject to conditions. Its Board also adopted amended bylaws effective October 27, 2026.
Jul 31
Quarterly report
10-Q
FY2026 Q2, ended Jun 30
Quarterly report for FY2026 Q2
AI summary on its way
Revenue $313.42M
▲ 25.3%
Net income $9.57M
▲ 8.0%
Diluted EPS $0.68
▲ 4.6%
Jul 29
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$1.27B
Trailing 12 months
Net income (TTM)
$181.66M
Trailing 12 months
Revenue growth YoY
+25.3%
Year over year
Operating margin
8.2%
Trailing 12 months
P / E (TTM)
3.0
Trailing earnings · reciprocal yield 33.4%
FCF yield
13.6%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
−$279.52M
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+3.0%
Year over year · more shares
Price change (1Y)
-33.2%
Trailing year
Short interest
7.5%
Latest settlement · 4.3 days to cover
Quarterly results
* Q4 derived as the full year minus Q1 to Q3.
AI Brief
Q3 FY26 earnings call · Nov 3, 2026
Q3 FY26
TL;DR. Q3 revenue grew 12% and results handily beat guidance; updated full-year guidance calls for 17% revenue and 14% adjusted EBITDA growth at the midpoint. The company repaid $60 million of debt and plans a fourth-quarter buyback. The quarter included a $72.4 million GAAP net loss, year-over-year declines in adjusted EBITDA and Consumer profit, and continued mortgage weakness.
Bullish
- + Q3 revenue grew 12% year over year to $343.6 million, and the company said results handily beat guidance.
- + Updated full-year guidance calls for revenue growth of 17% and adjusted EBITDA growth of 14% at the midpoint.
- + Insurance revenue increased 15% year over year to $234.9 million, while segment profit rose 14% to $54.2 million.
- + Home revenue increased 9% year over year to $41.5 million and segment profit rose 5% to $12.4 million.
- + Home Equity revenue increased 20% year over year to $34.0 million.
- + The company repaid $60 million of long-term debt during the quarter, saving $5 million in interest expense and reducing gross debt to $336 million.
Bearish
- − The company reported a GAAP net loss of $72.4 million, or $5.15 per diluted share, due to a $98.8 million non-cash goodwill charge.
- − Adjusted EBITDA declined 1% year over year to $39.6 million.
- − Consumer segment profit declined 16% year over year despite revenue increasing 2%.
- − Variable marketing margin percentage declined to 28% from 30% year over year.
- − Mortgage remains difficult, with home sales at a very low level.
- − Small-business lending's merchant sentiment has recovered only partially, with take rates and average loan size still below prior peaks.
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Research
our published analysis of this company
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Very High
Market backdrop
VIX 28.2 · fear
Equity put/call 0.89
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−1%
below
Price vs 50-day avg
+38%
above
RSI (14)
75
overbought
MACD trend
Positive
52-week position
30%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+47%
trailing
6-month return
+2%
trailing
YTD return
−30%
this year
Relative strength
+3%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $27 › 200d $37 — 200d above 50d
Institutional flow
Accumulating
70 of 192 funds reported for Sep 30 · net +100.8K sh shares · +13 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
7.50% of shares out · ▼ -5.1% MoM · 4.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
192 holders — near 3-yr high, broad support
Squeeze score
79
high risk · 0–100
Fundamentals
Revenue growth
+24%
Y/Y
Gross margin
32%
contracting
EPS growth
+443%
Y/Y
Valuation
P/E 2.9
below peers
Buyback
$96.7M
remaining
Balance sheet
$310.5M
net debt
Quant / Vol
risk profile
Volatility
75%
annualized · 1-yr
Max drawdown
−65%
past year
ATR
5.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 29, 2026
Revenue
· Full-year 2026
Lowered
$1.3B – $1.32B
Apr 30, 2026
$1.3B – $1.35B
changed to
Jul 29, 2026
$1.3B – $1.32B
prior FY $1.12B
midpoint +17.2% Y/Y
Variable Marketing Margin
· Full-year 2026
Non-GAAP
$364M – $374M
Adjusted EBITDA
· Full-year 2026
Non-GAAP
Lowered
$145M – $152M
Apr 30, 2026
$152M – $162M
changed to
Jul 29, 2026
$145M – $152M
Previous outlook
earlier release
· from the 8-K filed Apr 30, 2026
Still-open targets the latest release did not restate under the same label.
Variable Marketing Margin
· Full-year 2026
$378M – $395M
Prior guidance
period ended
· from the 8-K filed Jul 29, 2026
Revenue
· Third-quarter 2026
$325M – $335M
Adjusted EBITDA
· Third-quarter 2026
$34M – $36M
Variable Marketing Margin
· Third-quarter 2026
$88M – $93M
Guided vs delivered
· last 8 settled
Revenue
Second-quarter 2026
guided $305M – $325M
$313.42M
In line
Revenue
first-quarter 2026
guided $317M – $325M
$327.27M
Beat +2.0%
Revenue
Third-quarter 2025
guided $273M – $281M
$307.79M
Beat +11.1%
Revenue
Full-year 2025
guided $1B – $1.05B
$1.12B
Beat +9.0%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−1%
Neutral
Price vs 50-day avg
+38%
Bullish
RSI (14)
75
Bearish
MACD trend
Positive
Bullish
52-week position
30%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $27 › 200d $37 — 200d above 50d
Institutional flow
Accumulating
70 of 192 funds reported for Sep 30 · net +100.8K sh shares · +13 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
7.50% of shares out · ▼ -5.1% MoM · 4.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
192 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $24
Now $37 · 30%
Range high $68
vs 200-day avg -1%
vs 50-day avg +38%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted EBITDA non-GAAP | 35.16M | the three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net income (loss) 9.57M
+1.29M Amortization of intangibles
+4.28M Depreciation
+1.84M Restructuring and severance
+0K Loss on impairments and disposal of assets
+0K Loss on investments
+5.2M Non-cash compensation expense
+0K Contribution to LendingTree Foundation
+756K Litigation settlements and contingencies
+8.48M Interest expense, net
-832K Dividend income
+4.57M Income tax expense (benefit)
= Adjusted EBITDA 35.16M
|
|||
| Revenue earned per consumer (Insurance) percent increase | 16% | the second quarter of 2026 filing | — |
| Segment margin (Insurance) | 24% | the three months ended June 30, 2026 filing | — |
| Segment margin (total) | 28% | the three months ended June 30, 2026 filing | — |
| Segment profit | 88.82M | the three months ended June 30, 2026 filing | — |
| Segment profit (Consumer) | 27.62M | the three months ended June 30, 2026 filing | — |
| Segment profit (Home) | 11.28M | the three months ended June 30, 2026 filing | — |
| Segment profit (Insurance) | 50M | the three months ended June 30, 2026 filing | — |
| Variable marketing expense non-GAAP | 226.08M | the three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Selling and marketing expense 236.45M
-10.37M Non-variable selling and marketing expense
= Variable marketing expense 226.08M
|
|||
| Variable marketing margin non-GAAP | 87.34M | the three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net income (loss) 9.57M
+11.27M Cost of revenue
+10.37M Non-variable selling and marketing expense
+25.71M General and administrative expense
+10.03M Product development
+4.28M Depreciation
+1.29M Amortization of intangibles
+1.84M Restructuring and severance
+756K Litigation settlements and contingencies
+8.48M Interest expense, net
-832K Other (income) expense
+4.57M Income tax expense (benefit)
= Variable marketing margin 87.34M
|
|||
| Volume (home equity loans) percent increase | 11% | the second quarter of 2026 filing | — |
| Volume (Insurance) percent increase | 22% | the second quarter of 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance Brokers — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
TREE
this stock
LendingTree, Inc.
|
$519.60M | -30.3% | +24.1% | 2.9 | 7.5% |
|
MRSH
Marsh & Mclennan Companies, Inc.
|
$99.59B | +10.4% | +10.3% | 25.1 | 1.4% |
|
AJG
Arthur J. Gallagher & Co.
|
$73.87B | +8.8% | +10.1% | 44.1 | 2.8% |
|
AON
Aon plc
|
$73.07B | -5.1% | +7.7% | 18.9 | 1.6% |
|
WTW
Willis Towers Watson PLC
|
$30.33B | +0.1% | -2.2% | 20.7 | 2.4% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| TREE | +32.5% | +46.9% | +2.1% | +32.5% | -30.3% |
| SPY | -2.7% | -5.6% | -0.5% | -2.7% | +7.8% |
| vs SPY | +35.2% | +52.5% | +2.6% | +35.2% | -38.1% |
Capital returns
Buyback program
· as of Jul 30, 2026
Authorized
$150.00M
Spent (derived)
$53.30M
Remaining
$96.70M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1434621
CUSIP
52603B107
13F (30d)
77 filings
55 filers
Visit website
Investor relations