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LendingTree Inc. (TREE) — RQD Stock Rating Cockpit

$28.03 +5.69% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

LendingTree Inc. (TREE) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $393.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+2.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TREE)Realized 20D OHLCV Swing Band: ±8.8%

RSI-14 MOMENTUMBULLISH MOMENTUM

60.830 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE10% OF RANGE

L: $24$28.03H: $69

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: D-RQD 7 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C+RQD 27 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on TREE

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (35)

8.6% ROIC with 42.0% gross margin and 18.58% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (72)

27/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like TREE

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (TREE Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

TREE // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -43.48%▲ RESISTANCE BREAKOUT

2026-10-30O $27.98H $28.20L $27.51C $28.03VOL 289.7K

RES: $24.45SUP: $19.83SMA50: $26.50SMA200: $38.09

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TREE Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TREE Butterfly Map → + Track TREE →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

5.0%/yr Implied 5Y Growth

vs. +24.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on TREE today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TREE. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for TREE today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TREE)

Financials Rank #399 of 1096 ⚔️ BRBI vs TREE Full Matrix →

1. Head-to-Head Financials Peer Comparison (TREE vs. BRBI, GEMI, BETR, CCAP)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, LendingTree Inc. (TREE) ranks #399 by composite RQD confidence (63/100, grade C) and #753 by equity capitalization ($393.5M). Within this direct 5-issuer industry benchmark cohort, CCAP leads on earnings valuation at 9.9x trailing P/E, while TREE leads on capital efficiency and profitability with 8.6% ROIC and — gross margin. CCAP currently holds the highest overall quantitative score in the immediate peer group at 65/100 (C) compared with TREE at 63/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
TREE ACTIVE LendingTree Inc.	C	63/100	—	—	8.6%	+5.69%	$393.5M	Benchmark Subject
BRBI BRBI BR Partners S.A. ADSs	D	49/100	—	—	—	-3.27%	$400.1M	/brbi-vs-tree →
GEMI Gemini Space Station Inc. (Class A)	D-	39/100	—	—	-35.0%	-1.60%	$403.6M	/gemi-vs-tree →
BETR Better Home & Finance Holding Company (Class A)	D	44/100	—	—	-35.0%	+6.55%	$436.0M	/betr-vs-tree →
CCAP Crescent Capital BDC Inc.	C	65/100	9.9x	—	-11.1%	+3.22%	$342.7M	/ccap-vs-tree →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001434621

In its most recent audited fiscal period (FY2025, filed 2025-12-31), LendingTree Inc. (TREE) reported GAAP revenue of $1.12B (+24.1% vs. FY2024 revenue of $900.2M , and +66.1% cumulative change since FY2023) , GAAP net income of $151.0M, operating cash flow of $73.1M, and free cash flow of $73.1M (+17.4% YoY). On the balance sheet, TREE closed FY2025 with $855.7M in total assets against $387.7M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.12B	$151.0M	$73.1M	$73.1M	$855.7M	$387.7M
FY2024 (FY)	2024-12-31	$900.2M	-$42.0M	$62.3M	$62.3M	$767.7M	$344.1M
FY2023 (FY)	2023-12-31	$672.5M	-$122.0M	$67.6M	$67.6M	—	—

3. TREE Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TREE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, LendingTree Inc. (NASDAQ: TREE) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $28.03 (+5.69% 1D, market cap $393.5M). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, TREE ranks #399 in composite RQD confidence.

How does TREE compare to BRBI and GEMI in the Financials sector?

Within the Financials sector (Finance: Consumer Services), TREE carries a Roarable C (63/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 8.6%. By comparison, BRBI (BRBI BR Partners S.A. ADSs) holds a D grade (49/100 RQD, P/E N/A, ROIC —, cap $400.1M) and GEMI (Gemini Space Station Inc. (Class A)) posts a D- grade (39/100 RQD, P/E N/A, ROIC -35.0%, cap $403.6M). Among the 5-stock peer group, CCAP leads on earnings multiple (9.9x) while TREE leads on capital efficiency (8.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for TREE?

Per TREE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001434621), LendingTree Inc. generated $1.12B in revenue (+24.1% YoY), $151.0M in net income, and $73.1M in free cash flow against $855.7M in total assets and $387.7M in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is TREE trading relative to its 50-day, 200-day, and 52-week technical levels?

TREE last traded at $28.03 (+5.69% on volume of 336,869 shares), positioning the stock +5.77% above its 50-day simple moving average ($26.50) and -26.41% below its 200-day simple moving average ($38.09). Across its 52-week range of $23.50 to $68.93, TREE sits at the 10.0% percentile with a 14-day RSI of 60.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.8% ($25.56 to $30.50).

TREE Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell TREE stock right now?

LendingTree Inc. (TREE) currently earns a Roarable Rating of C (Hold — HOLD) with 63/100 RQD Confidence. Solid steady margins (9% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.

What is TREE's 12-month price target and RQD AI Jury consensus?

TREE's 12-month base price target is $28.66 (range $22.35 to $72.38), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: TREE RQD Cockpit TREE 12M Forecast TREE Earnings & Move TREE Dividends & DRIP TREE Insiders & 13F TREE Whale Options TREE Profit Sankey TREE News & Why