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Upturn AI SWOT - About
TREE 
Lendingtree Inc (TREE)
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Upturn Advisory Summary
04/01/2025: TREE (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -18.8% | Avg. Invested days 25 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 706.65M USD | Price to earnings Ratio - | 1Y Target Price 66.57 |
Price to earnings Ratio - | 1Y Target Price 66.57 | ||
Volume (30-day avg) 291714 | Beta 2.15 | 52 Weeks Range 33.58 - 62.49 | Updated Date 04/1/2025 |
52 Weeks Range 33.58 - 62.49 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -3.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -4.63% | Operating Margin (TTM) 6.87% |
Management Effectiveness
Return on Assets (TTM) 3.9% | Return on Equity (TTM) -35.81% |
Valuation
Trailing PE - | Forward PE 16.05 | Enterprise Value 1110929213 | Price to Sales(TTM) 0.79 |
Enterprise Value 1110929213 | Price to Sales(TTM) 0.79 | ||
Enterprise Value to Revenue 1.23 | Enterprise Value to EBITDA 15.19 | Shares Outstanding 13393600 | Shares Floating 10869994 |
Shares Outstanding 13393600 | Shares Floating 10869994 | ||
Percent Insiders 18.75 | Percent Institutions 81.24 |
Analyst Ratings
Rating 4.12 | Target Price 67.88 | Buy 3 | Strong Buy 3 |
Buy 3 | Strong Buy 3 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Lendingtree Inc
Company Overview
History and Background
LendingTree, Inc. was founded in 1996 by Doug Lebda. Originally CreditSource USA, it rebranded to LendingTree in 1998. It pioneered the online lending marketplace, connecting borrowers with multiple lenders. It went public in 2000 and has since expanded its services beyond mortgages to include various loan products, credit cards, and other financial offerings. Following several acquisitions and strategic shifts over the years, Lendingtree has positioned itself as a leading platform for comparison shopping for financial services.
Core Business Areas
- Home: Provides services related to mortgages, including purchase, refinance, and home equity loans. Facilitates connections between borrowers and lenders to find competitive rates.
- Consumer: Encompasses personal loans, auto loans, credit cards, and other consumer credit products. Offers consumers a platform to compare offers and find the best financial solutions for their needs.
- Insurance: Provides comparison shopping of insurance products
Leadership and Structure
Doug Lebda is the Founder and CEO. The company has a typical corporate structure with various departments reporting to the executive team. The board of directors provides governance and oversight.
Top Products and Market Share
Key Offerings
- Mortgage Rate Quotes: Allows users to compare mortgage rates from multiple lenders. LendingTree facilitates the process, but doesn't originate the loans. Market share data is not readily available. Competitors include Rocket Mortgage, Zillow, and Bankrate.
- Personal Loan Offers: Provides a platform to compare personal loan rates and terms. Similar to mortgages, LendingTree connects borrowers with lenders. Market share data is fragmented. Competitors include Credit Karma, Upstart, and SoFi.
- Credit Cards: Offers a platform to compare offers for credit cards. Market share data is fragmented. Competitors include Credit Karma, NerdWallet.
Market Dynamics
Industry Overview
The online lending marketplace industry is competitive and evolving. It's influenced by interest rates, regulatory changes, consumer confidence, and technological advancements. The industry benefits from increasing consumer adoption of online financial services.
Positioning
LendingTree positions itself as a facilitator, connecting borrowers and lenders. Its competitive advantage lies in its brand recognition, wide range of product offerings, and large network of lending partners.
Total Addressable Market (TAM)
The TAM for online lending platforms across mortgage, personal loans, and credit cards is estimated to be in the hundreds of billions of dollars. LendingTree is positioned to capture a percentage of this TAM by providing a comparison-shopping platform, but actual market share varies.
Upturn SWOT Analysis
Strengths
- Brand Recognition
- Large Network of Lending Partners
- Diversified Product Offerings
- Established Online Platform
- Data Driven Insights
Weaknesses
- Dependence on Marketing Spend
- Sensitivity to Interest Rate Fluctuations
- Competition from Direct Lenders
- Dependence on Lead Generation
- Fluctuating revenue dependent on the economy
Opportunities
- Expansion into New Financial Products
- Increased Focus on Mobile Users
- Strategic Partnerships with Fintech Companies
- Leveraging Data Analytics for Personalization
- Growth in emerging markets
Threats
- Increased Competition from Other Online Marketplaces
- Changes in Lending Regulations
- Economic Downturn Affecting Loan Demand
- Data Security and Privacy Concerns
- Potential Disruptive Technologies
Competitors and Market Share
Key Competitors
- RDFN
- LC
- TREE
Competitive Landscape
LendingTree faces competition from both established financial institutions and newer fintech companies. Its advantage is in connecting borrowers with multiple lenders, but it is challenged by direct lenders and aggregators with stronger brand recognition or better technology.
Major Acquisitions
Student Loan Hero
- Year: 2016
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expanded LendingTree's presence in the student loan market.
Growth Trajectory and Initiatives
Historical Growth: Growth has been uneven, marked by periods of rapid expansion and subsequent slowdowns. Depends on overall economy.
Future Projections: Analyst projections are highly dependent on interest rate forecasts and the overall economic climate, therefore varies. Check major financial outlet projections.
Recent Initiatives: Company has focused on cost-cutting measures and streamlining operations to improve profitability.
Summary
LendingTree is a well-established online lending marketplace facing challenges due to economic uncertainty. While it benefits from brand recognition and a wide range of offerings, its financial performance is sensitive to interest rate fluctuations and competition. Recent cost-cutting initiatives are intended to bolster profitability. The company must continue to innovate and adapt to changing market conditions to sustain long-term growth. The company needs to also focus on profitability to ensure long term growth.
Similar Companies
ALLY
Ally Financial Inc
ALLY
Ally Financial Inc
LC
LendingClub Corp
LC
LendingClub Corp
RDFN
Redfin Corp
RDFN
Redfin Corp
SOFI
SoFi Technologies Inc.
SOFI
SoFi Technologies Inc.
Sources and Disclaimers
Data Sources:
- Lendingtree Investor Relations
- SEC Filings
- Market Research Reports
- Financial News Outlets
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data may not be precise due to varying methodologies and data availability. Financial performance figures are based on publicly available information and are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Lendingtree Inc
Exchange NASDAQ | Headquaters Charlotte, NC, United States | ||
IPO Launch date 2008-08-12 | Founder, Chairman & CEO Mr. Douglas R. Lebda | ||
Sector Financial Services | Industry Financial Conglomerates | Full time employees 927 | Website https://www.lendingtree.com |
Full time employees 927 | Website https://www.lendingtree.com | ||
LendingTree, Inc., through its subsidiary, operates online consumer platform in the United States. It operates through three segments: Home, Consumer, and Insurance. The Home segment offers purchase mortgage, refinance mortgage, and home equity loans and lines of credit. The Consumer segment provides credit cards; personal, small business, and auto loans; deposit accounts; and other credit products, such as debt settlement services. The Insurance segment includes information, tools, and access to insurance quote products, including automobile, home, life, and health and Medicare through which consumers are matched with insurance lead aggregators to obtain insurance offers and policies. This segment also offers QuoteWizard, a marketplace for insurance comparison; and ValuePenguin, a personal finance website that offers consumers objective analysis on various financial topics. The company was formerly known as Tree.com, Inc. and changed its name to LendingTree, Inc. in January 2015. LendingTree, Inc. was incorporated in 1996 and is based in Charlotte, North Carolina.
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