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/company/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.

What drives TREE's revenue?

Per LendingTree, Inc.'s latest 10-Q filed with the SEC on 2026-07-31, the biggest revenue drivers are: Insurance ($209.3M, +42% YoY); Consumer ($60.3M, -4% YoY); Home ($43.9M, +9% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/TREE.

What are TREE's largest expenses?

LendingTree, Inc.'s latest 10-Q reports these as the largest expense items: Selling and marketing expense ($236.5M, +34% YoY); General and administrative expense ($25.7M, +3% YoY); Cost of revenue ($11.3M, +12% YoY). Sourced directly from SEC EDGAR filing text for Q2 2026 (quarter ended June 30, 2026).

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

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

13F Pro Quality Score

71.9/100

Rank #170 of 2,961 stocksTOP 10%

View Financials peers →

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

Revenue Growth

89.0/100

Profitability

78.2/100

Balance Sheet

96.4/100

Earnings Quality

19.0/100

Free Cash Flow

44.8/100

Institutional Flow

24.0/100

Revenue Scale

54.6/100

Dilution Risk

35.3/100

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Why TREE Scores 72/100

exact factor attribution · 2026-09-11

TREE's composite is driven by revenue growth and capital efficiency, held back by earnings quality and institutional flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+10.4 pts

89th pct

Capital efficiency

+6.2 pts

96th pct

Profitability

+5.6 pts

78th pct

Earnings growth

+1.4 pts

71th pct

Scale

+0.9 pts

55th pct

Free cash flow

-0.8 pts

45th pct

Shareholder dilution

-1.0 pts

35th pct

Institutional flow

-1.7 pts

24th pct

Earnings quality

-3.1 pts

19th pct

Latest change (2026-08-03): 58 → 61 · ↑ Earnings growth 30→89; ↑ Capital efficiency 57→70; despite ↓ Free cash flow 51→41

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

TREE Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for LendingTree, Inc. (TREE), a Financials sector company. 13F Pro's AI-powered ranking engine scores TREE at 71.9/100 on a 32-signal composite quality model, placing it at rank #170 of 2,961 stocks — the top 10% of the AI-ranked universe. TREE scores in the top quartile across balance sheet strength (96.4), revenue growth (89.0), profitability (78.2). Areas of concern include earnings quality (19.0) and institutional flow (24.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 35.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), LendingTree, Inc. reports quarterly revenue of $313.4M, net income of $9.6M, an operating margin of 7.0%. 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 24 and 72 since 2021, currently 71.9 — an improving long-term trajectory across 68 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.

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What's Driving TREE's Business? Latest 10-Q Breakdown

AI-extracted from LendingTree, Inc.'s 10-Q filed 2026-07-31 — Q2 2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Q2 2026 revenue rose 25% to $313.4 million on a 42% surge in Insurance, but heavier media costs cut consolidated segment margin to 28% from 34%.

Biggest Revenue Drivers

Insurance$209.3M+42% YoY

22% increase in volume and 16% increase in revenue earned per consumer as auto rate decreases drove competition for share

Consumer$60.3M-4% YoY

Primarily due to a decrease in credit cards

Biggest Revenue Drivers

Total revenue: $313.4M+25% YoY

Insurance$209.3M+42% YoY

22% increase in volume and 16% increase in revenue earned per consumer as auto rate decreases drove competition for share

Consumer$60.3M-4% YoY

Primarily due to a decrease in credit cards

Home$43.9M+9% YoY

Primarily due to increases in revenue from home equity loans

Within Home

Home equity loans$34.9M+15% YoY

11% volume increase plus 4% increase in revenue earned per consumer as homeowners tap near-record home equity

Largest Expense Items

Selling and marketing expense$236.5M+34% YoY

Driven by advertising and promotional expense; online advertising rose 36% to $224.9 million

General and administrative expense$25.7M+3% YoY

Generally consistent with the second quarter of 2025; fell to 8% of revenue from 10%

Cost of revenue$11.3M+12% YoY

Primarily due to a $1.0 million increase in compensation and benefits; steady at 4% of revenue

Product development$10.0M-13% YoY

Continued investment in internally developed features and functionality

Margins: Consolidated segment margin fell to 28% from 34%, with Insurance at 24% (from 27%), Consumer 46% (from 51%) and Home 26% (from 32%) as elevated media and advertising costs pressured all three; management expects advertising costs to remain elevated through 2026.

Watch Items from the Filing

Consumer revenue declined 4% to $60.3 million with segment profit down 14%, on lower close rates and smaller loan sizes in small business.
$397.0 million outstanding on the 2025 Term Loan at SOFR-based 7.89%; a 100-basis point rate move would shift annual interest paid by $4.0 million.
Home faces persistent headwinds: existing home sales near four million annually, similar to 2008-2009 levels, which management expects to continue in 2026.
Mantha/QuoteWizard $19.0 million TCPA settlement fully paid, cutting litigation accruals to $0.9 million from $13.0 million at year-end 2025.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$313.4M

Net Income

Q2 2026

$9.6M

Free Cash Flow

Q2 2026

$26.0M

Operating Margin

Q2 2026

7.0%

ROIC

Q2 2026

12.3%

D/E Ratio

Q2 2026

1.22

Period

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

+462.8% YoY

$151.3MFY 2025

FY22 $-188.0MFY23 $-122.4MFY24 $-41.7MFY25 $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

Free Cash Flow

+18.9% YoY

$60.7MFY 2025

FY22 $31.5MFY23 $55.0MFY24 $51.0MFY25 $60.7M

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 +462.8%	$-41.7M +65.9%	$-122.4M +34.9%	$-188.0M -371.9%	$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	—	—
Free Cash Flow	$60.7M +18.9%	$51.0M -7.3%	$55.0M +74.6%	$31.5M	—	—

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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.
$54.3M1,226,671 sh
JENNISON ASSOCIATES LLC
$44.8M1,012,126 sh
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.
$32.1M725,675 sh
AMERIPRISE FINANCIAL INC
$31.1M702,718 sh
VANGUARD CAPITAL MANAGEMENT LLC
$18.8M423,392 sh
MILLENNIUM MANAGEMENT LLC
$18.2M411,135 sh
JACOBS LEVY EQUITY MANAGEMENT, INC
$16.6M374,073 sh
GEODE CAPITAL MANAGEMENT, LLC
$16.4M370,209 sh
GOLDMAN SACHS GROUP INC
$15.6M351,910 sh
EMERALD ADVISERS, LLC
$14.8M334,702 sh

Fund	Value	Shares
BlackRock, Inc.	$54.3M	1,226,671
JENNISON ASSOCIATES LLC	$44.8M	1,012,126
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.	$32.1M	725,675
AMERIPRISE FINANCIAL INC	$31.1M	702,718
VANGUARD CAPITAL MANAGEMENT LLC	$18.8M	423,392
MILLENNIUM MANAGEMENT LLC	$18.2M	411,135
JACOBS LEVY EQUITY MANAGEMENT, INC	$16.6M	374,073
GEODE CAPITAL MANAGEMENT, LLC	$16.4M	370,209
GOLDMAN SACHS GROUP INC	$15.6M	351,910
EMERALD ADVISERS, LLC	$14.8M	334,702

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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. TREE is classified as a small company.

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.