LendingTree (TREE) Financials

$44.88 -0.32 (-0.71%)

Closing price 04/17/2025 04:00 PM Eastern

Extended Trading

$44.23 -0.65 (-1.45%)

As of 04/17/2025 06:06 PM Eastern

Annual Income Statements for LendingTree

This table shows LendingTree's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Income / (Loss) Attributable to Common Shareholders	-188	-122	-42
Consolidated Net Income / (Loss)	-188	-122	-42
Net Income / (Loss) Continuing Operations	-188	-122	-42
Total Pre-Tax Income	-55	-125	-37
Total Operating Income	-33	-41	45
Total Gross Profit	927	634	864
Total Revenue	985	673	900
Operating Revenue	985	673	900
Total Cost of Revenue	58	39	36
Operating Cost of Revenue	58	39	36
Total Operating Expenses	960	674	820
Selling, General & Admin Expense	152	118	109
Marketing Expense	702	434	636
Research & Development Expense	56	47	46
Depreciation Expense	20	19	18
Amortization Expense	25	7.69	5.89
Impairment Charge	0.00	39	0.00
Restructuring Charge	4.43	10	0.51
Other Special Charges / (Income)	-0.02	0.39	3.80
Total Other Income / (Expense), net	-22	-84	-82
Interest & Investment Income	-26	22	-28
Other Income / (Expense), net	3.84	-106	-54
Income Tax Expense	133	-2.52	4.32
Basic Earnings per Share	($14.69)	($9.46)	($3.14)
Weighted Average Basic Shares Outstanding	12.79M	12.94M	13.27M
Diluted Earnings per Share	($14.69)	($9.46)	($3.14)
Weighted Average Diluted Shares Outstanding	12.79M	12.94M	13.27M
Weighted Average Basic & Diluted Shares Outstanding	12.79M	12.94M	13.39M

This table shows LendingTree's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Income / (Loss) Attributable to Common Shareholders	-159	-10	13	-0.12	-148	13	1.02	7.75	-58	7.51
Consolidated Net Income / (Loss)	-159	-10	13	-0.12	-148	13	1.02	7.75	-58	7.51
Net Income / (Loss) Continuing Operations	-159	-10	13	-0.12	-148	13	1.02	7.75	-58	7.51
Total Pre-Tax Income	-23	-11	14	0.11	-152	13	1.58	9.44	-58	9.13
Total Operating Income	-19	-7.35	-13	6.61	-34	-0.22	7.18	9.59	9.92	18
Total Gross Profit	224	189	187	173	148	126	159	202	251	252
Total Revenue	238	202	201	182	155	134	168	210	261	262
Operating Revenue	238	202	201	182	155	134	168	210	261	262
Total Cost of Revenue	14	14	14	9.30	7.57	8.13	8.55	8.41	9.37	9.74
Operating Cost of Revenue	14	14	14	9.30	7.57	8.13	8.55	8.41	9.37	9.74
Total Operating Expenses	242	196	200	167	182	126	152	192	241	234
Selling, General & Admin Expense	40	37	37	29	26	25	26	27	27	29
Marketing Expense	177	137	137	116	97	83	108	148	194	186
Research & Development Expense	14	13	15	11	11	11	12	10	11	13
Depreciation Expense	5.27	5.07	4.80	4.68	4.76	4.83	4.67	4.60	4.58	4.45
Amortization Expense	6.58	3.73	2.05	1.98	1.98	1.68	1.49	1.47	1.47	1.47
Restructuring Charge	0.00	0.67	4.45	3.56	1.96	0.15	0.02	0.20	0.27	0.01
Other Special Charges / (Income)	-0.01	0.02	0.01	0.49	-0.15	0.04	0.04	-0.01	3.76	0.01
Total Other Income / (Expense), net	-4.20	-3.99	27	-6.50	-118	13	-5.60	-0.15	-67	-8.81
Other Income / (Expense), net	1.52	2.04	1.83	0.44	-111	2.64	1.03	1.05	-57	1.14
Income Tax Expense	136	-0.94	0.40	0.23	-3.53	0.40	0.56	1.69	0.45	1.63
Basic Earnings per Share	($12.44)	($0.78)	$1.05	($0.01)	($11.43)	$0.93	$0.08	$0.58	($4.34)	$0.54
Weighted Average Basic Shares Outstanding	12.76M	12.79M	12.85M	12.92M	12.99M	12.94M	13.10M	13.26M	13.35M	13.27M
Diluted Earnings per Share	($12.44)	($0.78)	$1.04	($0.01)	($11.43)	$0.94	$0.08	$0.58	($4.34)	$0.54
Weighted Average Diluted Shares Outstanding	12.76M	12.79M	12.94M	12.92M	12.99M	12.94M	13.28M	13.41M	13.35M	13.27M
Weighted Average Basic & Diluted Shares Outstanding	12.79M	12.79M	12.94M	12.97M	13.00M	12.94M	13.28M	13.34M	13.36M	13.39M

This table details how cash moves in and out of LendingTree's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Change in Cash & Equivalents	48	-187	-5.46
Net Cash From Operating Activities	43	68	62
Net Cash From Continuing Operating Activities	43	68	62
Net Income / (Loss) Continuing Operations	-188	-122	-42
Consolidated Net Income / (Loss)	-188	-122	-42
Depreciation Expense	20	19	18
Amortization Expense	33	11	8.39
Non-Cash Adjustments To Reconcile Net Income	69	147	78
Changes in Operating Assets and Liabilities, net	109	13	-0.56
Net Cash From Investing Activities	-28	-12	-11
Net Cash From Continuing Investing Activities	-28	-12	-11
Purchase of Property, Plant & Equipment	-11	-13	-11
Acquisitions	-16	0.00	0.00
Other Investing Activities, net	0.01	0.05	0.00
Net Cash From Financing Activities	33	-242	-57
Net Cash From Continuing Financing Activities	33	-242	-57
Repayment of Debt	-171	-241	-179
Repurchase of Common Equity	-43	0.00	0.00
Issuance of Debt	250	0.00	125
Other Financing Activities, net	-3.41	-1.09	-2.19
Cash Interest Paid	19	24	38
Cash Income Taxes Paid	0.40	1.28	1.68

This table details how cash moves in and out of LendingTree's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Change in Cash & Equivalents	6.43	13	-149	13	13	-64	119	-164	30	9.81
Net Cash From Operating Activities	10	17	13	15	18	21	5.71	-4.94	45	16
Net Cash From Continuing Operating Activities	10	17	13	15	18	21	5.71	-4.94	45	16
Net Income / (Loss) Continuing Operations	-159	-10	13	-0.12	-148	13	1.02	7.75	-58	7.51
Consolidated Net Income / (Loss)	-159	-10	13	-0.12	-148	13	1.02	7.75	-58	7.51
Depreciation Expense	5.27	5.07	4.80	4.68	4.76	4.83	4.67	4.60	4.58	4.45
Amortization Expense	7.57	4.72	4.01	1.72	3.76	1.35	2.11	2.24	1.99	2.05
Non-Cash Adjustments To Reconcile Net Income	17	15	-16	13	159	-9.43	7.02	-1.54	65	7.83
Changes in Operating Assets and Liabilities, net	140	2.56	6.44	-3.92	-0.87	11	-9.10	-18	32	-5.59
Net Cash From Investing Activities	-2.62	-2.47	-2.45	-2.40	-5.08	-2.55	-2.75	-2.73	-2.92	-2.82
Net Cash From Continuing Investing Activities	-2.62	-2.47	-2.45	-2.40	-5.08	-2.55	-2.75	-2.73	-2.92	-2.82
Purchase of Property, Plant & Equipment	-2.62	-2.47	-2.45	-2.40	-5.08	-2.60	-2.75	-2.73	-2.92	-2.82
Net Cash From Financing Activities	-1.17	-0.88	-160	-0.10	-0.49	-82	116	-156	-12	-3.61
Net Cash From Continuing Financing Activities	-1.17	-0.88	-160	-0.10	-0.49	-82	116	-156	-12	-3.61
Repayment of Debt	-0.63	-0.76	-158	-0.75	-	-82	-7.84	-155	-12	-4.17
Other Financing Activities, net	-0.55	-0.12	-1.69	0.65	-0.49	0.44	-1.42	-0.88	-0.45	0.57

This table presents LendingTree's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Total Assets	1,199	803	768
Total Current Assets	414	196	238
Cash & Equivalents	299	112	107
Restricted Cash	0.12	0.01	0.00
Accounts Receivable	83	55	98
Prepaid Expenses	26	29	34
Plant, Property, & Equipment, net	59	50	43
Total Noncurrent Assets	726	556	486
Long-Term Investments	175	60	1.70
Goodwill	420	382	382
Intangible Assets	58	51	43
Other Noncurrent Operating Assets	73	64	60
Total Liabilities & Shareholders' Equity	1,199	803	768
Total Liabilities	991	679	659
Total Current Liabilities	83	76	240
Short-Term Debt	2.50	3.13	125
Accounts Payable	2.03	1.96	8.36
Accrued Expenses	75	71	107
Total Noncurrent Liabilities	909	603	418
Long-Term Debt	814	526	344
Noncurrent Deferred & Payable Income Tax Liabilities	6.78	2.09	4.88
Other Noncurrent Operating Liabilities	89	75	69
Commitments & Contingencies	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	208	124	109
Total Preferred & Common Equity	208	124	109
Preferred Stock	0.00	0.00	0.00
Total Common Equity	208	124	109
Common Stock	1,189	1,228	1,254
Retained Earnings	-715	-838	-879
Treasury Stock	-266	-266	-266

This table presents LendingTree's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Total Assets	1,210	1,042	1,039	885	927	802	787
Total Current Assets	410	262	264	267	326	206	252
Cash & Equivalents	286	150	163	176	231	67	97
Restricted Cash	0.13	0.03	0.03	0.00	0.02	0.00	0.00
Accounts Receivable	96	84	76	64	63	108	125
Prepaid Expenses	28	28	26	27	32	31	30
Plant, Property, & Equipment, net	65	57	57	54	48	46	45
Total Noncurrent Assets	735	723	718	564	553	550	491
Long-Term Investments	175	175	173	60	60	60	1.70
Goodwill	420	420	420	382	382	382	382
Intangible Assets	64	56	54	52	49	48	46
Other Noncurrent Operating Assets	76	72	71	70	62	61	61
Total Liabilities & Shareholders' Equity	1,210	1,042	1,039	885	927	802	787
Total Liabilities	1,004	811	797	782	795	656	693
Total Current Liabilities	92	92	80	71	88	113	272
Short-Term Debt	2.48	2.50	2.50	2.50	15	15	126
Accounts Payable	4.58	4.47	3.17	1.56	3.10	3.04	49
Accrued Expenses	84	85	74	67	70	95	97
Total Noncurrent Liabilities	912	720	718	711	707	543	421
Long-Term Debt	813	625	625	626	631	468	346
Noncurrent Deferred & Payable Income Tax Liabilities	8.06	7.14	7.37	2.49	2.22	3.10	3.66
Other Noncurrent Operating Liabilities	91	87	85	83	74	72	71
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	206	231	242	103	132	146	94
Total Preferred & Common Equity	206	231	242	103	132	146	94
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	206	231	242	103	132	146	94
Common Stock	1,178	1,199	1,210	1,219	1,234	1,241	1,247
Retained Earnings	-705	-702	-702	-850	-837	-829	-887
Treasury Stock	-266	-266	-266	-266	-266	-266	-266

This table displays calculated financial ratios and metrics derived from LendingTree's official financial filings.

Metric	2022	2023	2024
Growth Metrics	-	-	-
Revenue Growth	-10.33%	-31.73%	33.86%
EBITDA Growth	-89.33%	-578.51%	114.70%
EBIT Growth	-122.02%	-406.95%	93.50%
NOPAT Growth	-429.67%	-23.96%	209.89%
Net Income Growth	-371.94%	34.87%	65.93%
EPS Growth	-390.89%	35.60%	66.81%
Operating Cash Flow Growth	-67.26%	57.26%	-7.86%
Free Cash Flow Firm Growth	121.76%	-59.74%	10.25%
Invested Capital Growth	-17.78%	-12.21%	-2.32%
Revenue Q/Q Growth	-5.40%	-9.15%	16.45%
EBITDA Q/Q Growth	-79.75%	3.41%	9,990.00%
EBIT Q/Q Growth	-156.08%	5.01%	63.60%
NOPAT Q/Q Growth	-108.81%	14.94%	68.63%
Net Income Q/Q Growth	-45.00%	15.89%	-14.29%
EPS Q/Q Growth	-41.93%	15.38%	-14.60%
Operating Cash Flow Q/Q Growth	-37.44%	6.68%	-11.19%
Free Cash Flow Firm Q/Q Growth	-76.78%	14.79%	-6.81%
Invested Capital Q/Q Growth	-2.58%	-2.92%	0.29%
Profitability Metrics	-	-	-
Gross Margin	94.14%	94.24%	95.99%
EBITDA Margin	2.48%	-17.35%	1.91%
Operating Margin	-3.33%	-6.04%	4.96%
EBIT Margin	-2.94%	-21.80%	-1.06%
Profit (Net Income) Margin	-19.08%	-18.20%	-4.63%
Tax Burden Percent	342.15%	97.99%	111.56%
Interest Burden Percent	189.95%	85.21%	392.07%
Effective Tax Rate	0.00%	0.00%	0.00%
Return on Invested Capital (ROIC)	-3.78%	-5.53%	6.57%
ROIC Less NNEP Spread (ROIC-NNEP)	-62.95%	-32.52%	-13.76%
Return on Net Nonoperating Assets (RNNOA)	-53.53%	-68.19%	-42.38%
Return on Equity (ROE)	-57.31%	-73.72%	-35.80%
Cash Return on Invested Capital (CROIC)	15.74%	7.48%	8.92%
Operating Return on Assets (OROA)	-2.31%	-14.65%	-1.21%
Return on Assets (ROA)	-15.04%	-12.23%	-5.31%
Return on Common Equity (ROCE)	-57.31%	-73.72%	-35.80%
Return on Equity Simple (ROE_SIMPLE)	-90.39%	-98.61%	-38.32%
Net Operating Profit after Tax (NOPAT)	-23	-28	31
NOPAT Margin	-2.33%	-4.23%	3.47%
Net Nonoperating Expense Percent (NNEP)	59.17%	26.99%	20.34%
Return On Investment Capital (ROIC_SIMPLE)	-2.24%	-4.35%	5.41%
Cost of Revenue to Revenue	5.86%	5.76%	4.01%
SG&A Expenses to Revenue	15.47%	17.50%	12.08%
R&D to Revenue	5.64%	7.02%	5.15%
Operating Expenses to Revenue	97.46%	100.28%	91.04%
Earnings before Interest and Taxes (EBIT)	-29	-147	-9.54
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	24	-117	17
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	1.31	3.18	4.76
Price to Tangible Book Value (P/TBV)	0.00	0.00	0.00
Price to Revenue (P/Rev)	0.28	0.59	0.58
Price to Earnings (P/E)	0.00	0.00	0.00
Dividend Yield	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	1.12	1.56	1.87
Enterprise Value to Revenue (EV/Rev)	0.62	1.12	0.98
Enterprise Value to EBITDA (EV/EBITDA)	25.22	0.00	51.22
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	28.12
Enterprise Value to Operating Cash Flow (EV/OCF)	14.32	11.11	14.11
Enterprise Value to Free Cash Flow (EV/FCFF)	6.44	19.52	20.72
Leverage & Solvency	-	-	-
Debt to Equity	3.92	4.26	4.31
Long-Term Debt to Equity	3.91	4.23	3.16
Financial Leverage	0.85	2.10	3.08
Leverage Ratio	3.81	6.03	6.74
Compound Leverage Factor	7.24	5.14	26.43
Debt to Total Capital	79.69%	80.99%	81.17%
Short-Term Debt to Total Capital	0.24%	0.48%	21.62%
Long-Term Debt to Total Capital	79.45%	80.51%	59.55%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%
Common Equity to Total Capital	20.31%	19.01%	18.83%
Debt to EBITDA	33.46	-4.53	27.35
Net Debt to EBITDA	14.04	-3.06	21.03
Long-Term Debt to EBITDA	33.36	-4.50	20.06
Debt to NOPAT	-35.58	-18.60	15.02
Net Debt to NOPAT	-14.93	-12.54	11.55
Long-Term Debt to NOPAT	-35.47	-18.49	11.02
Altman Z-Score	0.40	-0.70	0.00
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-
Current Ratio	5.02	2.60	0.99
Quick Ratio	4.63	2.21	0.85
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	96	38	42
Operating Cash Flow to CapEx	375.49%	539.36%	554.88%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00
Efficiency Ratios	-	-	-
Asset Turnover	0.79	0.67	1.15
Accounts Receivable Turnover	10.90	9.75	11.79
Inventory Turnover	0.00	0.00	0.00
Fixed Asset Turnover	14.97	12.27	19.31
Accounts Payable Turnover	31.04	19.43	6.99
Days Sales Outstanding (DSO)	33.48	37.45	30.97
Days Inventory Outstanding (DIO)	0.00	0.00	0.00
Days Payable Outstanding (DPO)	11.76	18.79	52.21
Cash Conversion Cycle (CCC)	21.73	18.67	-21.25
Capital & Investment Metrics	-	-	-
Invested Capital	548	481	470
Invested Capital Turnover	1.62	1.31	1.89
Increase / (Decrease) in Invested Capital	-118	-67	-11
Enterprise Value (EV)	615	751	879
Market Capitalization	273	394	518
Book Value per Share	$16.26	$9.55	$8.14
Tangible Book Value per Share	($21.16)	($23.69)	($23.65)
Total Capital	1,024	653	578
Total Debt	816	529	469
Total Long-Term Debt	814	526	344
Net Debt	342	357	361
Capital Expenditures (CapEx)	11	13	11
Debt-free, Cash-free Net Working Capital (DFCFNWC)	35	12	16
Debt-free Net Working Capital (DFNWC)	334	124	123
Net Working Capital (NWC)	331	121	-2.01
Net Nonoperating Expense (NNE)	165	94	73
Net Nonoperating Obligations (NNO)	340	357	361
Total Depreciation and Amortization (D&A)	53	30	27
Debt-free, Cash-free Net Working Capital to Revenue	3.55%	1.77%	1.81%
Debt-free Net Working Capital to Revenue	33.90%	18.44%	13.65%
Net Working Capital to Revenue	33.65%	17.97%	-0.22%
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	($14.69)	($9.46)	($3.14)
Adjusted Weighted Average Basic Shares Outstanding	12.79M	12.94M	13.27M
Adjusted Diluted Earnings per Share	($14.69)	($9.46)	($3.14)
Adjusted Weighted Average Diluted Shares Outstanding	12.79M	12.94M	13.27M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	12.81M	12.94M	13.39M
Normalized Net Operating Profit after Tax (NOPAT)	-20	5.95	34
Normalized NOPAT Margin	-2.01%	0.88%	3.80%
Pre Tax Income Margin	-5.58%	-18.58%	-4.15%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00
Payout Ratios	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%
Augmented Payout Ratio	-22.88%	0.00%	0.00%

This table displays calculated financial ratios and metrics derived from LendingTree's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-20.04%	-21.77%	-29.19%	-30.34%	-34.75%	-33.51%	-16.33%	15.17%	68.05%	94.65%
EBITDA Growth	-113.40%	-95.55%	-118.01%	22.98%	-3,141.11%	92.09%	731.30%	29.87%	70.02%	197.48%
EBIT Growth	-329.86%	-107.07%	-280.30%	295.24%	-749.72%	145.59%	173.48%	50.87%	67.24%	687.62%
NOPAT Growth	-350.38%	20.35%	-514.61%	-148.98%	-82.99%	95.84%	136.64%	215.97%	129.18%	6,979.40%
Net Income Growth	-3,457.94%	-121.71%	224.30%	98.57%	6.44%	222.25%	-92.45%	6,840.87%	60.95%	-40.99%
EPS Growth	-3,558.82%	-121.91%	223.81%	98.41%	8.12%	220.51%	-92.31%	5,900.00%	62.03%	-42.55%
Operating Cash Flow Growth	-70.19%	-60.71%	31.57%	147.26%	80.55%	25.44%	-56.61%	-132.80%	145.06%	-22.24%
Free Cash Flow Firm Growth	4,165.03%	282.07%	1,591.43%	4,889.09%	-68.77%	-41.16%	-67.30%	-76.79%	-21.36%	-61.15%
Invested Capital Growth	-21.18%	-17.78%	-24.28%	-25.09%	-11.91%	-12.21%	-8.84%	-6.01%	-5.45%	-2.32%
Revenue Q/Q Growth	-9.20%	-15.04%	-0.77%	-9.00%	-14.94%	-13.43%	24.87%	25.26%	24.10%	0.28%
EBITDA Q/Q Growth	-138.46%	206.39%	-153.03%	666.85%	-1,113.49%	106.31%	74.27%	16.61%	-333.99%	162.56%
EBIT Q/Q Growth	-372.12%	68.83%	-110.29%	163.09%	-2,154.76%	101.67%	238.96%	29.54%	-546.20%	140.20%
NOPAT Q/Q Growth	-376.80%	60.42%	-145.61%	46.28%	-250.43%	99.10%	2,260.89%	70.04%	-11.82%	112.32%
Net Income Q/Q Growth	-1,874.17%	93.44%	229.34%	-100.85%	-129,000.00%	108.57%	-92.01%	662.99%	-847.91%	112.95%
EPS Q/Q Growth	-1,874.60%	93.73%	233.33%	-100.96%	-114,200.00%	108.22%	-91.49%	625.00%	-848.28%	112.44%
Operating Cash Flow Q/Q Growth	67.85%	62.72%	-20.96%	14.53%	22.56%	13.06%	-76.29%	-186.60%	1,015.58%	-64.12%
Free Cash Flow Firm Q/Q Growth	3,944.87%	-17.94%	39.98%	8.43%	-74.92%	54.59%	-22.20%	-23.03%	-15.05%	-23.63%
Invested Capital Q/Q Growth	-21.10%	-2.58%	-2.46%	-0.09%	-7.20%	-2.92%	1.28%	3.02%	-6.65%	0.29%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
Gross Margin	94.07%	93.30%	93.14%	94.90%	95.12%	93.95%	94.91%	96.00%	96.41%	96.27%
EBITDA Margin	-1.77%	2.22%	-1.18%	7.38%	-87.88%	6.40%	8.93%	8.32%	-15.68%	9.78%
Operating Margin	-7.81%	-3.64%	-6.49%	3.62%	-21.90%	-0.16%	4.28%	4.56%	3.80%	6.86%
EBIT Margin	-7.17%	-2.63%	-5.57%	3.87%	-93.37%	1.80%	4.90%	5.06%	-18.20%	7.30%
Profit (Net Income) Margin	-66.72%	-5.15%	6.71%	-0.06%	-95.67%	9.47%	0.61%	3.69%	-22.23%	2.87%
Tax Burden Percent	696.81%	91.75%	97.15%	-102.68%	97.68%	96.97%	64.51%	82.14%	100.78%	82.18%
Interest Burden Percent	133.54%	213.34%	-123.93%	1.59%	104.90%	541.31%	19.18%	88.71%	121.19%	47.86%
Effective Tax Rate	0.00%	0.00%	2.85%	202.68%	0.00%	3.03%	35.49%	17.86%	0.00%	17.82%
Return on Invested Capital (ROIC)	-8.93%	-4.13%	-9.18%	-4.92%	-21.47%	-0.21%	3.46%	4.83%	4.27%	10.68%
ROIC Less NNEP Spread (ROIC-NNEP)	-54.61%	-6.02%	-1.36%	-2.87%	-54.79%	3.51%	2.36%	4.79%	-12.67%	8.66%
Return on Net Nonoperating Assets (RNNOA)	-54.63%	-5.12%	-1.59%	-3.17%	-132.63%	7.35%	4.29%	8.01%	-49.31%	26.68%
Return on Equity (ROE)	-63.56%	-9.25%	-10.77%	-8.09%	-154.09%	7.14%	7.75%	12.84%	-45.04%	37.36%
Cash Return on Invested Capital (CROIC)	64.50%	15.74%	22.79%	25.06%	6.34%	7.48%	6.45%	3.83%	9.44%	8.92%
Operating Return on Assets (OROA)	-5.98%	-2.07%	-4.31%	2.65%	-65.97%	1.21%	3.18%	3.67%	-16.83%	8.37%
Return on Assets (ROA)	-55.69%	-4.06%	5.19%	-0.04%	-67.59%	6.36%	0.39%	2.67%	-20.56%	3.29%
Return on Common Equity (ROCE)	-63.56%	-9.25%	-10.77%	-8.09%	-154.09%	7.14%	7.75%	12.84%	-45.04%	37.36%
Return on Equity Simple (ROE_SIMPLE)	-62.77%	0.00%	-70.86%	-64.43%	-141.81%	0.00%	-102.53%	-87.08%	-38.71%	0.00%
Net Operating Profit after Tax (NOPAT)	-13	-5.15	-13	-6.79	-24	-0.21	4.63	7.87	6.94	15
NOPAT Margin	-5.47%	-2.55%	-6.30%	-3.72%	-15.33%	-0.16%	2.76%	3.75%	2.66%	5.64%
Net Nonoperating Expense Percent (NNEP)	45.68%	1.89%	-7.82%	-2.04%	33.32%	-3.71%	1.10%	0.04%	16.94%	2.02%
Return On Investment Capital (ROIC_SIMPLE)	-	-0.50%	-	-	-	-0.03%	-	-	-	2.55%
Cost of Revenue to Revenue	5.93%	6.70%	6.86%	5.10%	4.88%	6.05%	5.09%	4.00%	3.59%	3.73%
SG&A Expenses to Revenue	16.62%	18.10%	18.30%	15.98%	17.00%	18.96%	15.38%	12.90%	10.23%	11.13%
R&D to Revenue	5.90%	6.50%	7.31%	5.81%	6.99%	8.26%	7.07%	4.94%	4.29%	4.95%
Operating Expenses to Revenue	101.88%	96.94%	99.63%	91.28%	117.03%	94.12%	90.63%	91.44%	92.60%	89.41%
Earnings before Interest and Taxes (EBIT)	-17	-5.32	-11	7.05	-145	2.42	8.21	11	-47	19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-4.21	4.48	-2.37	13	-136	8.60	15	17	-41	26
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.48	1.31	1.48	1.18	1.96	3.18	4.20	3.77	8.21	4.76
Price to Tangible Book Value (P/TBV)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Price to Revenue (P/Rev)	0.29	0.28	0.38	0.35	0.27	0.59	0.86	0.82	1.00	0.58
Price to Earnings (P/E)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	1.18	1.12	1.21	1.08	1.20	1.56	1.86	1.81	2.45	1.87
Enterprise Value to Revenue (EV/Rev)	0.63	0.62	0.71	0.70	0.80	1.12	1.42	1.36	1.49	0.98
Enterprise Value to EBITDA (EV/EBITDA)	5.49	25.22	72.97	50.86	0.00	0.00	0.00	0.00	6,754.21	51.22
Enterprise Value to EBIT (EV/EBIT)	12.81	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	2.54	0.00	0.00	0.00	0.00	0.00	0.00	0.00	61.98	28.12
Enterprise Value to Operating Cash Flow (EV/OCF)	9.62	14.32	13.98	10.48	9.37	11.11	14.33	20.91	16.38	14.11
Enterprise Value to Free Cash Flow (EV/FCFF)	1.61	6.44	4.56	3.70	17.72	19.52	27.55	45.67	25.24	20.72
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	3.95	3.92	2.72	2.60	6.12	4.26	4.91	3.31	5.01	4.31
Long-Term Debt to Equity	3.94	3.91	2.71	2.59	6.10	4.23	4.80	3.21	3.67	3.16
Financial Leverage	1.00	0.85	1.17	1.10	2.42	2.10	1.82	1.67	3.89	3.08
Leverage Ratio	3.91	3.81	4.08	4.06	6.78	6.03	5.43	4.75	8.49	6.74
Compound Leverage Factor	5.23	8.13	-5.05	0.06	7.11	32.64	1.04	4.22	10.29	3.23
Debt to Total Capital	79.80%	79.69%	73.11%	72.20%	85.96%	80.99%	83.09%	76.80%	83.37%	81.17%
Short-Term Debt to Total Capital	0.24%	0.24%	0.29%	0.29%	0.34%	0.48%	1.92%	2.37%	22.28%	21.62%
Long-Term Debt to Total Capital	79.56%	79.45%	72.81%	71.91%	85.62%	80.51%	81.17%	74.43%	61.09%	59.55%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	20.20%	20.31%	26.89%	27.80%	14.04%	19.01%	16.91%	23.20%	16.63%	18.83%
Debt to EBITDA	6.77	33.46	71.05	55.30	-5.20	-4.53	-6.51	-5.06	2,779.23	27.35
Net Debt to EBITDA	2.95	14.04	34.31	25.72	-3.25	-3.06	-3.58	-3.73	2,199.89	21.03
Long-Term Debt to EBITDA	6.75	33.36	70.77	55.08	-5.18	-4.50	-6.36	-4.91	2,036.49	20.06
Debt to NOPAT	3.14	-35.58	-20.94	-27.74	-18.80	-18.60	-45.21	-39.52	25.50	15.02
Net Debt to NOPAT	1.37	-14.93	-10.11	-12.90	-11.75	-12.54	-24.86	-29.13	20.19	11.55
Long-Term Debt to NOPAT	3.13	-35.47	-20.86	-27.63	-18.72	-18.49	-44.17	-38.30	18.69	11.02
Altman Z-Score	0.50	0.47	0.34	0.30	-0.63	-0.08	0.18	0.07	-0.16	0.12
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Current Ratio	4.48	5.02	2.85	3.31	3.76	2.60	3.71	1.82	0.92	0.99
Quick Ratio	4.17	4.63	2.55	2.98	3.38	2.21	3.35	1.54	0.82	0.85
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	138	113	159	172	43	67	52	40	34	26
Operating Cash Flow to CapEx	389.82%	673.07%	536.54%	627.57%	363.90%	803.04%	207.87%	-181.06%	1,548.84%	575.34%
Free Cash Flow to Firm to Interest Expense	24.14	0.00	0.00	0.00	0.00	0.00	7.81	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	1.79	0.00	0.00	0.00	0.00	0.00	0.86	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	1.33	0.00	0.00	0.00	0.00	0.00	0.45	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.83	0.79	0.77	0.68	0.71	0.67	0.65	0.73	0.92	1.15
Accounts Receivable Turnover	9.13	10.90	9.12	8.61	9.21	9.75	8.71	7.28	8.15	11.79
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	14.90	14.97	14.09	13.18	12.44	12.27	12.10	12.97	15.63	19.31
Accounts Payable Turnover	13.37	31.04	7.78	9.20	14.38	19.43	8.86	10.51	1.37	6.99
Days Sales Outstanding (DSO)	39.97	33.48	40.04	42.40	39.61	37.45	41.93	50.15	44.76	30.97
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	27.31	11.76	46.90	39.69	25.39	18.79	41.19	34.74	266.72	52.21
Cash Conversion Cycle (CCC)	12.66	21.73	-6.86	2.71	14.23	18.67	0.74	15.41	-221.96	-21.25
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	562	548	534	534	495	481	487	502	468	470
Invested Capital Turnover	1.63	1.62	1.46	1.32	1.40	1.31	1.25	1.29	1.60	1.89
Increase / (Decrease) in Invested Capital	-151	-118	-171	-179	-67	-67	-47	-32	-27	-11
Enterprise Value (EV)	661	615	645	577	594	751	908	906	1,148	879
Market Capitalization	305	273	342	285	201	394	552	550	774	518
Book Value per Share	$16.15	$16.26	$18.03	$18.72	$7.91	$9.55	$10.08	$11.03	$7.06	$8.14
Tangible Book Value per Share	($21.73)	($21.16)	($19.15)	($18.02)	($25.53)	($23.69)	($22.94)	($21.43)	($24.99)	($23.65)
Total Capital	1,022	1,024	859	869	731	653	778	628	567	578
Total Debt	816	816	628	628	628	529	646	483	472	469
Total Long-Term Debt	813	814	625	625	626	526	631	468	346	344
Net Debt	356	342	303	292	393	357	355	356	374	361
Capital Expenditures (CapEx)	2.62	2.47	2.45	2.40	5.08	2.60	2.75	2.73	2.92	2.82
Debt-free, Cash-free Net Working Capital (DFCFNWC)	36	35	23	24	23	12	22	41	9.00	16
Debt-free Net Working Capital (DFNWC)	321	334	173	187	198	124	253	108	106	123
Net Working Capital (NWC)	319	331	170	185	196	121	238	93	-20	-2.01
Net Nonoperating Expense (NNE)	146	5.26	-26	-6.68	125	-13	3.62	0.12	65	7.24
Net Nonoperating Obligations (NNO)	356	340	303	292	393	357	355	356	374	361
Total Depreciation and Amortization (D&A)	13	9.79	8.80	6.41	8.52	6.18	6.77	6.84	6.58	6.50
Debt-free, Cash-free Net Working Capital to Revenue	3.43%	3.55%	2.50%	2.96%	3.07%	1.77%	3.46%	6.14%	1.16%	1.81%
Debt-free Net Working Capital to Revenue	30.87%	33.90%	19.14%	22.73%	26.79%	18.44%	39.53%	16.14%	13.68%	13.65%
Net Working Capital to Revenue	30.63%	33.65%	18.86%	22.43%	26.46%	17.97%	37.20%	13.91%	-2.65%	-0.22%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($12.44)	($0.78)	$1.05	($0.01)	($11.43)	$0.93	$0.08	$0.58	($4.34)	$0.54
Adjusted Weighted Average Basic Shares Outstanding	12.76M	12.79M	12.85M	12.92M	12.99M	12.94M	13.10M	13.26M	13.35M	13.27M
Adjusted Diluted Earnings per Share	($12.44)	($0.78)	$1.04	($0.01)	($11.43)	$0.94	$0.08	$0.58	($4.34)	$0.54
Adjusted Weighted Average Diluted Shares Outstanding	12.76M	12.79M	12.94M	12.92M	12.99M	12.94M	13.28M	13.41M	13.35M	13.27M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	12.79M	12.79M	12.91M	12.97M	13.00M	12.94M	13.28M	13.34M	13.36M	13.39M
Normalized Net Operating Profit after Tax (NOPAT)	-13	-4.66	-8.30	7.46	4.49	-0.03	4.67	8.03	9.77	15
Normalized NOPAT Margin	-5.47%	-2.31%	-4.14%	4.09%	2.89%	-0.02%	2.78%	3.82%	3.75%	5.64%
Pre Tax Income Margin	-9.58%	-5.61%	6.91%	0.06%	-97.95%	9.76%	0.94%	4.49%	-22.06%	3.49%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	-2.98	0.00	0.00	0.00	0.00	0.00	1.24	0.00	0.00	0.00
NOPAT to Interest Expense	-2.27	0.00	0.00	0.00	0.00	0.00	0.70	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	-3.44	0.00	0.00	0.00	0.00	0.00	0.82	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	-2.73	0.00	0.00	0.00	0.00	0.00	0.28	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	-64.05%	-22.88%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Frequently Asked Questions About LendingTree's Financials

When does LendingTree's fiscal year end?

According to the most recent income statement we have on file, LendingTree's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has LendingTree's net income changed over the last 2 years?

LendingTree's net income appears to be on a downward trend, with a most recent value of -$41.70 million in 2024, falling from -$187.95 million in 2022. The previous period was -$122.40 million in 2023.

What is LendingTree's operating income?

LendingTree's total operating income in 2024 was $44.63 million, based on the following breakdown:

Total Gross Profit: $864.15 million
Total Operating Expenses: $819.52 million

How has LendingTree revenue changed over the last 2 years?

Over the last 2 years, LendingTree's total revenue changed from $984.99 million in 2022 to $900.22 million in 2024, a change of -8.6%.

How much debt does LendingTree have?

LendingTree's total liabilities were at $658.85 million at the end of 2024, a 2.9% decrease from 2023, and a 33.5% decrease since 2022.

How much cash does LendingTree have?

In the past 2 years, LendingTree's cash and equivalents has ranged from $106.59 million in 2024 to $298.85 million in 2022, and is currently $106.59 million as of their latest financial filing in 2024.

How has LendingTree's book value per share changed over the last 2 years?

Over the last 2 years, LendingTree's book value per share changed from 16.26 in 2022 to 8.14 in 2024, a change of -49.9%.

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This page (NASDAQ:TREE) was last updated on 4/19/2025 by MarketBeat.com Staff

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LendingTree (TREE) Financials

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LendingTree (TREE) Financials

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