What is the 13F Pro Quality Score for TREE?

13F Pro ranks LendingTree, Inc. (TREE) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View TREE's current score at https://13fpro.ai/research/TREE (free sign-up required for the full ranking).

Where does 13F Pro source TREE data?

All LendingTree, Inc. fundamentals and ownership data come directly from SEC EDGAR. LendingTree, Inc. files with the SEC under CIK 1434621. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is TREE in?

LendingTree, Inc. (TREE) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is TREE research updated on 13F Pro?

TREE's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

LendingTree, Inc.(TREE)Stock Analysis

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →Nasdaq

Institutional-grade research for retail investors

SEC EDGAR: CIK 1434621 TREE stock profile & AI dashboard →

13F Pro Quality Score

57.5/100

Rank #1,038 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

85.4/100

Profitability

60.9/100

Balance Sheet

56.6/100

Earnings Quality

30.0/100

Free Cash Flow

50.6/100

Institutional Flow

21.3/100

Revenue Scale

51.8/100

Dilution Risk

36.5/100

TREE Stock Analysis & AI Quality Score

AI stock analysis and institutional research for LendingTree, Inc. (TREE), a Financials sector company. 13F Pro's AI-powered ranking engine scores TREE at 57.5/100 on a 32-signal composite quality model, placing it at rank #1,038 of 2,879 stocks — the top half of the AI-ranked universe. TREE scores in the top quartile across revenue growth (85.4). Areas of concern include institutional flow (21.3) and earnings quality (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 36.5/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), LendingTree, Inc. reports quarterly revenue of $327.3M, net income of $17.3M, an operating margin of 9.5%. Top institutional holders of TREE by reported 13-F value include BlackRock,, JENNISON ASSOCIATES, PUNCH & ASSOCIATES INVESTMENT MANAGEMENT,, based on the most recent SEC filings. TREE trades on the Nasdaq exchange and files with the SEC under CIK 1434621. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate TREE daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for LendingTree, Inc. directly from SEC EDGAR. LendingTree, Inc.'s 13F Pro composite quality score has ranged between 8 and 58 since 2021, currently 57.5 — an improving long-term trajectory across 56 quarterly and live scoring snapshots.

✦

Fun facts about LendingTree, Inc.

Quirks, history, and lore behind TREE — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · mid-cap · listed on Nasdaq · headquartered in Charlotte, North Carolina.
2
The Numbers
Annual revenue in the hundreds of millions of dollars, built almost entirely on referral fees — it rarely lends a single dollar itself.
3
The History
Founded in 1996, it was an early bet that consumers would shop for financial products online the same way they shop for flights — by comparing offers side by side.
4
The Secret
It's essentially a lead-generation marketplace: banks and lenders pay handsomely just to get in front of a borrower who's already raised their hand.
5
The Lore
Its famously cheeky ad campaign promised that banks would compete for your business — a genuinely novel idea at the time that turned a tagline into a whole brand identity.
6
The Giveaway
The slogan "When banks compete, you win" made this online loan marketplace a household name — and its ticker happens to be a very apt piece of financial flora.

▶ Think you know your stocks? Play the Daily Ticker

Revenue

Q1 2026

$327.3M

Net Income

Q1 2026

$17.3M

Free Cash Flow

Q1 2026

$8.8M

Operating Margin

Q1 2026

9.5%

D/E Ratio

Q1 2026

1.28

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+24.1% YoY

$1.12BFY 2025

FY22 $985.0MFY23 $672.5MFY24 $900.2MFY25 $1.12B

Net Income

+460.3% YoY

$151.3MFY 2025

FY22 $-188.0MFY23 $-122.0MFY24 $-42.0MFY25 $151.3M

Operating Income

+45.2% YoY

$64.8MFY 2025

FY22 $-32.8MFY23 $-40.6MFY24 $44.6MFY25 $64.8M

EPS (Diluted)

+443.3% YoY

$10.78FY 2025

FY22 $-14.69FY23 $-9.46FY24 $-3.14FY25 $10.78

Total Assets

+11.5% YoY

$855.7MFY 2025

FY22 $1.20BFY23 $802.8MFY24 $767.7MFY25 $855.7M

Total Debt

-16.5% YoY

$391.6MFY 2025

FY22 $816.0MFY23 $528.7MFY24 $469.1MFY25 $391.6M

Op. Cash Flow

+17.4% YoY

$73.1MFY 2025

FY22 $43.0MFY23 $67.6MFY24 $62.3MFY25 $73.1M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$1.12B +24.1%	$900.2M +33.9%	$672.5M -31.7%	$985.0M -10.3%	$1.10B +20.7%	$910.0M
Net Income	$151.3M +460.3%	$-42.0M +65.6%	$-122.0M +35.1%	$-188.0M -372.0%	$69.1M +243.2%	$-48.3M
Operating Income	$64.8M +45.2%	$44.6M +209.9%	$-40.6M -24.0%	$-32.8M -507.9%	$8.0M +221.6%	$-6.6M
EPS (Diluted)	$10.78 +443.3%	$-3.14 +66.8%	$-9.46 +35.6%	$-14.69 -390.9%	$5.05 +236.1%	$-3.71
Total Assets	$855.7M +11.5%	$767.7M -4.4%	$802.8M -33.1%	$1.20B -7.7%	$1.30B +9.3%	$1.19B
Total Debt	$391.6M -16.5%	$469.1M -11.3%	$528.7M -35.2%	$816.0M +11.3%	$733.4M +20.0%	$611.4M
Operating Cash Flow	$73.1M +17.4%	$62.3M -7.9%	$67.6M +57.3%	$43.0M	—	—

AI Insight: TREE Financial Trends

Revenue accelerated to $327M in Q1 2026 with operating income turning sustainably positive after Q1 2025 loss.

• Revenue grew from $240M in Q1 2025 to $327M in Q1 2026, a 36% year-over-year increase.

• Operating income recovered from -$7M in Q1 2025 to $31M in Q1 2026, marking consistent profitability.

• Total debt decreased from $494M in Q1 2025 to $391M in Q1 2026, reducing leverage.

• Equity nearly tripled from $104M in Q1 2025 to $305M in Q1 2026, strengthening balance sheet.

⚠ Operating cash flow declined from $29M in Q3 2025 to $12M in Q1 2026.

⚠ Large net income spike to $145M in Q4 2025 appears one-time given normalized $17M in Q1 2026.

AI Insight: TREE Ratio Trends

LendingTree shows dramatic operational turnaround with operating margin expanding from -3.0% in Q1 2025 to 9.5% in Q1 2026 while debt-to-equity ratio improved from 4.76 to 1.28.

• Operating margin recovered from -3.0% in Q1 2025 to 9.5% in Q1 2026, showing consistent improvement over five quarters.

• Debt-to-equity ratio dramatically improved from 4.76 in Q1 2025 to 1.28 in Q1 2026, indicating substantial deleveraging.

• ROIC turned positive and expanded from -4.8% in Q1 2025 to 17.9% in Q1 2026, demonstrating improving capital efficiency.

⚠ Net profit margin of 45.2% in Q4 2025 appears unsustainably high and dropped to 5.3% in Q1 2026.

⚠ ROA and ROE show volatile quarterly swings with some missing data points, indicating potential earnings volatility.

Get alerted when TREE's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Available Research

13F Pro tracks comprehensive data for LendingTree, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of TREE

BlackRock, Inc.
$46.7M1,089,966 sh
JENNISON ASSOCIATES LLC
$43.7M1,020,211 sh
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.
$27.7M647,038 sh
AMERIPRISE FINANCIAL INC
$23.8M554,716 sh
VANGUARD CAPITAL MANAGEMENT LLC
$20.5M478,016 sh
Divisadero Street Capital Management, LP
$20.1M469,269 sh
MILLENNIUM MANAGEMENT LLC
$15.8M368,119 sh
EMERALD ADVISERS, LLC
$14.6M339,669 sh
JACOBS LEVY EQUITY MANAGEMENT, INC
$13.8M320,678 sh
GEODE CAPITAL MANAGEMENT, LLC
$11.9M277,928 sh

Fund	Value	Shares
BlackRock, Inc.	$46.7M	1,089,966
JENNISON ASSOCIATES LLC	$43.7M	1,020,211
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.	$27.7M	647,038
AMERIPRISE FINANCIAL INC	$23.8M	554,716
VANGUARD CAPITAL MANAGEMENT LLC	$20.5M	478,016
Divisadero Street Capital Management, LP	$20.1M	469,269
MILLENNIUM MANAGEMENT LLC	$15.8M	368,119
EMERALD ADVISERS, LLC	$14.6M	339,669
JACOBS LEVY EQUITY MANAGEMENT, INC	$13.8M	320,678
GEODE CAPITAL MANAGEMENT, LLC	$11.9M	277,928

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAC-UN

Ares Acquisition Corp III

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put TREE on your watchlist

Track score changes the day LendingTree, Inc. files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

Is TREE a good stock to buy?

13F Pro's AI-powered analysis of LendingTree, Inc. (TREE) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for TREE are available on the TREE stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own TREE?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling TREE. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of LendingTree, Inc.'s investment landscape.