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LendingTree

DB:T77
Snowflake Description

High growth potential with questionable track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
T77
DB
$2B
Market Cap
  1. Home
  2. DE
  3. Diversified Financials
Company description

LendingTree, Inc., through its subsidiary, LendingTree, LLC, operates an online loan marketplace for consumers seeking loans in the United States. The last earnings update was 33 days ago. More info.


Add to Portfolio Compare Print
  • LendingTree has significant price volatility in the past 3 months.
T77 Share Price and Events
7 Day Returns
6%
DB:T77
7.3%
Europe Consumer Finance
9.9%
DE Market
1 Year Returns
-47.1%
DB:T77
-49.3%
Europe Consumer Finance
-17.5%
DE Market
T77 Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
LendingTree (T77) 6% -29% -34.8% -47.1% 49.8% -
Europe Consumer Finance 7.3% -35.4% -41.1% -49.3% -65.1% -64%
DE Market 9.9% -16.6% -24.8% -17.5% -24.5% -28.1%
1 Year Return vs Industry and Market
  • T77 outperformed the Consumer Finance industry which returned -49.3% over the past year.
  • T77 underperformed the Market in Germany which returned -17.5% over the past year.
Price Volatility
T77
Industry
5yr Volatility vs Market

Value

 Is LendingTree undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of LendingTree to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for LendingTree.

DB:T77 Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 5 analysts.
= Stable Book Value * Return on Equity
= $49.38 * 21.9%
$10.81
Book Value of Equity per Share Weighted future Book Value estimates from 3 analysts. $49.38
Discount Rate (Cost of Equity) See below 4%
Perpetual Growth Rate 10-Year DE Government Bond Rate -0.4%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for DB:T77
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year DE Govt Bond Rate -0.4%
Equity Risk Premium S&P Global 5.4%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.59
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.587 (1 + (1- 21%) (15.36%))
0.771
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.8
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= -0.39% + (0.8 * 5.44%)
3.96%

Discounted Cash Flow Calculation for DB:T77 using Excess Returns Model Model

The calculations below outline how an intrinsic value for LendingTree is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

DB:T77 Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (21.9% – 3.96%) * $49.38)
$8.85
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $8.85 / (3.96% - -0.39%)
$203.32
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $49.38 + $203.32
$252.7
DB:T77 Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in DB:T77 represents 0.92945x of NasdaqGS:TREE
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.92945x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (USD) x Listing Adjustment Factor
= $ 252.70 x 0.92945
€234.88
Value per share (EUR) From above. €234.88
Current discount Discount to share price of €170.10
= -1 x (€170.10 - €234.88) / €234.88
27.6%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price LendingTree is available for.
Intrinsic value
28%
Share price is €170.1 vs Future cash flow value of €234.88
Current Discount Checks
For LendingTree to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • LendingTree's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • LendingTree's share price is below the future cash flow value, but not at a substantial discount (< 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for LendingTree's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are LendingTree's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
DB:T77 PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-12-31) in USD $3.07
NasdaqGS:TREE Share Price ** NasdaqGS (2020-03-31) in USD $183.01
Europe Consumer Finance Industry PE Ratio Median Figure of 27 Publicly-Listed Consumer Finance Companies 5.31x
Germany Market PE Ratio Median Figure of 399 Publicly-Listed Companies 16.31x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of LendingTree.

DB:T77 PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGS:TREE Share Price ÷ EPS (both in USD)

= 183.01 ÷ 3.07

59.52x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • LendingTree is overvalued based on earnings compared to the Europe Consumer Finance industry average.
  • LendingTree is overvalued based on earnings compared to the Germany market.
Price based on expected Growth
Does LendingTree's expected growth come at a high price?
Raw Data
DB:T77 PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 59.52x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 14 Analysts
30%per year
Europe Consumer Finance Industry PEG Ratio Median Figure of 19 Publicly-Listed Consumer Finance Companies 0.41x
Germany Market PEG Ratio Median Figure of 255 Publicly-Listed Companies 1.18x

*Line of best fit is calculated by linear regression .

DB:T77 PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 59.52x ÷ 30%

1.99x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • LendingTree is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on LendingTree's assets?
Raw Data
DB:T77 PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-12-31) in USD $30.86
NasdaqGS:TREE Share Price * NasdaqGS (2020-03-31) in USD $183.01
Europe Consumer Finance Industry PB Ratio Median Figure of 42 Publicly-Listed Consumer Finance Companies 0.67x
Germany Market PB Ratio Median Figure of 571 Publicly-Listed Companies 1.43x
DB:T77 PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGS:TREE Share Price ÷ Book Value per Share (both in USD)

= 183.01 ÷ 30.86

5.93x

* Primary Listing of LendingTree.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • LendingTree is overvalued based on assets compared to the Europe Consumer Finance industry average.
X
Value checks
We assess LendingTree's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. LendingTree has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is LendingTree expected to perform in the next 1 to 3 years based on estimates from 14 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
30%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is LendingTree expected to grow at an attractive rate?
  • LendingTree's earnings growth is expected to exceed the low risk savings rate of -0.4%.
Growth vs Market Checks
  • LendingTree's earnings growth is expected to exceed the Germany market average.
  • LendingTree's revenue growth is expected to exceed the Germany market average.
Annual Growth Rates Comparison
Raw Data
DB:T77 Future Growth Rates Data Sources
Data Point Source Value (per year)
DB:T77 Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 14 Analysts 30%
DB:T77 Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 14 Analysts 11.4%
Europe Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 12.9%
Europe Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 9.6%
Germany Market Earnings Growth Rate Market Cap Weighted Average 14.4%
Germany Market Revenue Growth Rate Market Cap Weighted Average 4.1%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
DB:T77 Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 14 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
DB:T77 Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2024-12-31 2,044 263 1
2023-12-31 1,822 227 2
2022-12-31 1,589 154 4
2021-12-31 1,445 214 103 12
2020-12-31 1,255 175 64 14
2020-03-31
DB:T77 Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-12-31 1,107 144 39
2019-09-30 1,054 156 38
2019-06-30 941 161 42
2019-03-31 846 116 74
2018-12-31 765 111 109
2018-09-30 723 89 103
2018-06-30 698 63 84
2018-03-31 666 97 47
2017-12-31 618 99 19
2017-09-30 558 85 34
2017-06-30 481 89 31
2017-03-31 422 60 32

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • LendingTree's earnings are expected to grow significantly at over 20% yearly.
  • LendingTree's revenue is expected to grow by 11.4% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
DB:T77 Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 14 Analyst Estimates (S&P Global) See Below

All data from LendingTree Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:T77 Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2024-12-31 16.21 16.21 16.21 1.00
2023-12-31 13.79 15.14 12.45 2.00
2022-12-31 8.90 11.62 5.90 5.00
2021-12-31 6.63 8.59 4.59 11.00
2020-12-31 4.21 5.33 3.27 12.00
2020-03-31
DB:T77 Past Financials Data
Date (Data in USD Millions) EPS *
2019-12-31 3.07
2019-09-30 2.99
2019-06-30 3.30
2019-03-31 5.85
2018-12-31 8.74
2018-09-30 8.32
2018-06-30 6.95
2018-03-31 3.95
2017-12-31 1.63
2017-09-30 2.86
2017-06-30 2.63
2017-03-31 2.72

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • LendingTree is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).
X
Future performance checks
We assess LendingTree's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
LendingTree has a total score of 5/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has LendingTree performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare LendingTree's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • LendingTree has delivered over 20% year on year earnings growth in the past 5 years.
  • LendingTree's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • LendingTree's 1-year earnings growth is negative, it can't be compared to the Europe Consumer Finance industry average.
Earnings and Revenue History
LendingTree's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from LendingTree Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:T77 Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-12-31 1,106.60 39.46 851.93 39.95
2019-09-30 1,054.09 38.25 807.00 38.66
2019-06-30 940.54 42.14 722.14 35.07
2019-03-31 846.22 74.01 651.24 30.86
2018-12-31 764.87 109.32 594.21 26.96
2018-09-30 723.15 102.55 574.08 24.27
2018-06-30 697.58 84.32 564.76 22.47
2018-03-31 666.26 47.48 537.29 20.56
2017-12-31 617.74 19.42 503.33 17.93
2017-09-30 557.62 33.96 441.08 14.87
2017-06-30 480.69 31.11 376.45 13.78
2017-03-31 422.20 32.10 328.31 13.50
2016-12-31 384.40 31.21 297.83 13.76
2016-09-30 361.90 55.27 282.16 14.63
2016-06-30 337.15 55.37 266.31 13.59
2016-03-31 297.99 52.81 237.13 12.20
2015-12-31 254.22 51.32 202.88 10.49
2015-09-30 219.74 21.34 176.07 9.28
2015-06-30 191.24 14.52 153.81 8.26
2015-03-31 178.25 10.76 144.27 7.70
2014-12-31 167.35 -0.49 137.78 7.46
2014-09-30 159.90 -1.28 130.81 6.77
2014-06-30 155.93 -1.52 127.53 6.33
2014-03-31 151.20 -6.23 125.20 5.99
2013-12-31 139.24 -0.67 114.51 5.26
2013-09-30 126.77 0.51 105.37 5.06
2013-06-30 112.72 0.47 93.84 4.70

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • LendingTree has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • LendingTree used its assets more efficiently than the Europe Consumer Finance industry average last year based on Return on Assets.
  • LendingTree's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess LendingTree's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
LendingTree has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is LendingTree's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up LendingTree's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • LendingTree's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
  • LendingTree's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of LendingTree's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is not covered by short term assets, assets are 0.6x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from LendingTree Company Filings, last reported 3 months ago.

DB:T77 Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-12-31 402.33 339.39 60.24
2019-09-30 389.26 345.97 50.50
2019-06-30 373.89 372.58 51.33
2019-03-31 352.19 439.25 64.57
2018-12-31 346.21 375.94 105.10
2018-09-30 376.47 247.70 265.19
2018-06-30 347.43 244.48 293.30
2018-03-31 329.90 241.33 346.47
2017-12-31 294.87 238.20 368.55
2017-09-30 302.81 235.12 345.24
2017-06-30 295.93 232.10 355.64
2017-03-31 241.42 0.00 105.44
2016-12-31 231.44 0.00 91.13
2016-09-30 222.81 0.00 176.93
2016-06-30 212.84 0.00 159.61
2016-03-31 208.59 0.00 174.23
2015-12-31 241.14 0.00 206.98
2015-09-30 112.79 0.00 106.25
2015-06-30 105.32 0.00 92.97
2015-03-31 102.16 0.00 88.54
2014-12-31 96.37 0.00 86.21
2014-09-30 79.33 0.00 83.63
2014-06-30 78.56 0.00 87.62
2014-03-31 79.33 0.00 89.50
2013-12-31 87.01 0.00 91.67
2013-09-30 86.63 0.00 87.75
2013-06-30 87.51 0.00 85.28
  • LendingTree's level of debt (84.4%) compared to net worth is high (greater than 40%).
  • Unable to establish if LendingTree's debt level has increased without past 5-year debt data.
  • Debt is well covered by operating cash flow (42.4%, greater than 20% of total debt).
  • Interest payments on debt are well covered by earnings (EBIT is 4x coverage).
X
Financial health checks
We assess LendingTree's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. LendingTree has a total score of 2/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is LendingTree's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from LendingTree dividends. Estimated to be 0% next year.
If you bought €2,000 of LendingTree shares you are expected to receive €0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate LendingTree's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate LendingTree's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
DB:T77 Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 14 Analyst Estimates (S&P Global) See Below
Europe Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 21 Stocks 6.9%
Germany Market Average Dividend Yield Market Cap Weighted Average of 323 Stocks 3.8%
Germany Minimum Threshold Dividend Yield 10th Percentile 0.9%
Germany Bottom 25% Dividend Yield 25th Percentile 1.7%
Germany Top 25% Dividend Yield 75th Percentile 5%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

DB:T77 Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2024-12-31
2023-12-31
2022-12-31 0.00 1.00
2021-12-31 0.00 2.00
2020-12-31 0.00 2.00
2020-03-31

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as LendingTree has not reported any payouts.
  • Unable to verify if LendingTree's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of LendingTree's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as LendingTree has not reported any payouts.
Future Payout to shareholders
  • No need to calculate the sustainability of LendingTree's dividends in 3 years as they are not expected to pay a notable one for Germany.
X
Income/ dividend checks
We assess LendingTree's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.9%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can LendingTree afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. LendingTree has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of LendingTree's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Doug Lebda
COMPENSATION $42,318,238
AGE 49
TENURE AS CEO 12.2 years
CEO Bio

Mr. Douglas R. Lebda, also known as Doug, Founded LendingTree, LLC in June 1996 and served as its Chief Executive Officer and President since January 2008. Mr. Lebda is the Founder of LendingTree, Inc. and has been its Chief Executive Officer since January 1, 2008. Mr. Doug Lebda serves as Advisor at RevTech Labs. He serves as the Chief Executive Officer of Tree.com at RealEstate.com, Inc. He serves as Chief Executive Officer of Lending Tree Inc at Discover Home Loans, Inc. He served as Chief Executive Officer of Discover Home Loans, Inc. He served as Chief Executive Officer at iNest Realty, Inc. He serves as Chief Executive Officer at GetSmart.com, Inc. He is Co-Founder at Tykoon, Inc. He previously served as President of IAC and Chief Operating Officer of IAC at Match.com, L.L.C. He previously served as President of IAC and Chief Operating Officer of IAC at Cornerstone Brands, Inc. He previously served as Chief Executive Officer at Domania.com, Inc. He previously served as President and Chief Operating Officer at IAC Search & Media, Inc. He served as President and Chief Operating Officer at IAC/InterActiveCorp from January 2006 to August 2008. He served as Chairman at LendingTree, LLC. He serves as Chairman at iNest Realty, Inc. He serves as Chairman of GetSmart.com, Inc. He serves as Chairman of Tree.com at RealEstate.com, Inc. He serves as Chairman of Lending Tree Inc at Home Loan Center, Inc. He has been Chairman of LendingTree, Inc. since January 1, 2008 and serves as its Director. Mr. Lebda serves as Member of Advisory Board at Bolstr Inc. He serves as Chairman of the Board of Recyclebank, Inc. He served as Chairman at Domania.com, Inc. He served as Director, Member of Executive Compensation & Development Committee and Member of Corporate Responsibility & Governance Committee at Eastman Kodak Co. Before founding LendingTree, Mr. Lebda worked as an auditor and consultant for PricewaterhouseCoopers.

CEO Compensation
  • Doug's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Doug's remuneration is higher than average for companies of similar size in Germany.
Management Team Tenure

Average tenure and age of the LendingTree management team in years:

3.3
Average Tenure
47.5
Average Age
  • The tenure for the LendingTree management team is about average.
Management Team

Doug Lebda

TITLE
Founder
COMPENSATION
$42M
AGE
49
TENURE
12.2 yrs

Neil Salvage

TITLE
President
COMPENSATION
$793K
AGE
46
TENURE
3.3 yrs

John Moriarty

TITLE
Chief Financial Officer
COMPENSATION
$602K
AGE
47
TENURE
2.6 yrs

Carla Shumate

TITLE
Senior VP & Chief Accounting Officer
COMPENSATION
$1M
AGE
48
TENURE
7.2 yrs

Paul Tyma

TITLE
Chief Technology Officer
TENURE
3.8 yrs

Arun Sankaran

TITLE
Chief Information Security Officer
TENURE
1.4 yrs

Trent Ziegler

TITLE
Vice President of Finance & Investor Relations

Megan Greuling

TITLE
Director of PR & Communications

Brad Wilson

TITLE
Chief Marketing Officer
AGE
45
TENURE
2.7 yrs

Jill Olmstead

TITLE
Chief Humans Resources Officer
AGE
55
Board of Directors Tenure

Average tenure and age of the LendingTree board of directors in years:

5
Average Tenure
50
Average Age
  • The tenure for the LendingTree board of directors is about average.
Board of Directors

Doug Lebda

TITLE
Founder
COMPENSATION
$42M
AGE
49
TENURE
12.2 yrs

Peter Horan

TITLE
Independent Director
COMPENSATION
$210K
AGE
64
TENURE
11.6 yrs

Steve Ozonian

TITLE
Lead Independent Director
COMPENSATION
$257K
AGE
63
TENURE
3.3 yrs

Gabe Dalporto

TITLE
Director
COMPENSATION
$250K
AGE
47
TENURE
2.6 yrs

Neal Dermer

TITLE
Independent Director
COMPENSATION
$191K
AGE
50
TENURE
6.7 yrs

Craig Troyer

TITLE
Independent Director
COMPENSATION
$199K
AGE
50
TENURE
5.7 yrs

Robin Henderson

TITLE
Independent Director
COMPENSATION
$206K
AGE
49
TENURE
5.3 yrs

Saras Sarasvathy

TITLE
Independent Director
COMPENSATION
$196K
AGE
60
TENURE
4.7 yrs

Tom Davidson

TITLE
Independent Director
COMPENSATION
$196K
AGE
47
TENURE
3 yrs

Ken Thompson

TITLE
Independent Director
COMPENSATION
$200K
AGE
69
TENURE
3 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
13. Nov 19 Sell Peter Horan Individual 05. Nov 19 11. Nov 19 -800 €347.31 €-269,455
06. Nov 19 Sell Peter Horan Individual 04. Nov 19 04. Nov 19 -300 €347.17 €-104,059
05. Nov 19 Sell Steven Ozonian Individual 01. Nov 19 01. Nov 19 -975 €325.68 €-316,751
13. Aug 19 Sell Sushil Sharma Individual 09. Aug 19 09. Aug 19 -440 €283.04 €-124,539
12. Aug 19 Sell Peter Horan Individual 07. Aug 19 07. Aug 19 -1,000 €279.03 €-278,418
11. Jul 19 Sell Neil Salvage Individual 09. Jul 19 09. Jul 19 -3,483 €379.23 €-1,320,849
07. Jun 19 Sell John Moriarty Individual 05. Jun 19 06. Jun 19 -4,599 €349.77 €-1,606,953
02. May 19 Sell G. Thompson Individual 30. Apr 19 30. Apr 19 -1,500 €343.84 €-515,753
02. May 19 Sell Gabriel Dalporto Individual 01. May 19 01. May 19 -637 €343.57 €-218,855
01. May 19 Sell Steven Ozonian Individual 29. Apr 19 29. Apr 19 -1,650 €336.20 €-551,157
X
Management checks
We assess LendingTree's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. LendingTree has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

LendingTree, Inc., through its subsidiary, LendingTree, LLC, operates an online loan marketplace for consumers seeking loans in the United States. Its mortgage products comprise purchase and refinance products. The company also provides information, tools, and access to various conditional loan offers for non-mortgage products, including auto loans, credit cards, home equity loans, personal loans, reverse mortgages, small business loans, and student loans. In addition, it offers information, tools, and access to other products, including deposit accounts; credit repair, through which consumers obtain assistance improving their credit profiles; debt relief services, through which consumers obtain assistance negotiating existing loans; and home improvement services, through which consumers have the opportunity to research and find home improvement professional services. Further, the company provides personal credit data, through which consumers gain insights into how prospective lenders and other third parties view their credit profiles; real estate brokerage services, through which consumers are matched with local realtors who assist them in their home purchase or sale efforts; and various insurance products, including home and automobile, through which consumers are matched with insurance lead aggregators to obtain insurance offers. Additionally, it operates CompareCards, an online source for side-by-side credit card comparison shopping; SimpleTuition, an online marketing platform for student loans; MagnifyMoney, a consumer facing media property that offers editorial content, expert commentary, tools, and resources; and SnapCap, an online platform, which connects business owners with lenders. The company was formerly known as Tree.com, Inc. and changed its name to LendingTree, Inc. in January 2015. LendingTree, Inc. was founded in 1996 and is headquartered in Charlotte, North Carolina.

Details
Name: LendingTree, Inc.
T77
Exchange: DB
Founded: 1996
$2,177,187,581
13,046,043
Website: http://www.lendingtree.com
Address: LendingTree, Inc.
11115 Rushmore Drive,
Charlotte,
North Carolina, 28277,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGS TREE New Common Stock Nasdaq Global Select US USD 12. Aug 2008
DB T77 New Common Stock Deutsche Boerse AG DE EUR 12. Aug 2008
LSE 0JTZ New Common Stock London Stock Exchange GB USD 12. Aug 2008
BMV TREE * New Common Stock Bolsa Mexicana de Valores MX MXN 12. Aug 2008
Number of employees
Current staff
Staff numbers
1,095
LendingTree employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/03/31 22:41
End of day share price update: 2020/03/31 00:00
Last estimates confirmation: 2020/03/30
Last earnings filing: 2020/02/27
Last earnings reported: 2019/12/31
Last annual earnings reported: 2019/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.