COMP <GO>
TREE vs RM // ALTMAN Z-SCORE & DEBT/EQUITY
LendingTree Inc. (NASDAQ) VS. Regional Management Corp. (NYSE) • 15-METRIC TALLY: TREE 3
— RM 2
■ METRIC PARITY
LAST: $28.03 (+5.69%) • MKT CAP: $393.5M
balance-sheet
—
LAST: $36.26 (+7.76%) • MKT CAP: $334.5M
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (TREE VS. RM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | TREE | RM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.60% | 11.90% | -3.30 | RM | /roic <GO> |
| EV/EBITDA & P/E Valuation | 10.8x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 18.58% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | 5.80% | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 13.50% | 6.90% | +6.60 | TREE | /net-margins <GO> |
| Revenue Growth (YoY) | 24.10% | 9.70% | +14.40 | TREE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 6/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 61.3 | 66.5 | -5.20 | RM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 7.0x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $393.5M | $334.5M | $59.0M | TREE | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | TREE REV | RM REV | TREE GROSS % | RM GROSS % | TREE FCF | RM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.12B | $645.6M | — | — | $73.1M | $304.3M |
| FY 2024 | $900.2M | $588.5M | — | — | $62.3M | $263.9M |
| FY 2023 | $672.5M | $551.4M | — | — | $67.6M | $249.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
TREE // BETA —
RM // BETA —