Stock Ratings / Financials / TREE / earnings

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LendingTree Inc. (TREE) Next Earnings Date & Expected ±8.8% Move

$28.03 +5.69% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $28.26

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.

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $393.5M

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on TREE Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is TREE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does TREE compare to BRBI and GEMI in the Financials sector?

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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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for TREE?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $28.26 (+0.83%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 6.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY TREE SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (25% of score)

FRED Regime × Technicals: 10% of 52W Range • RSI-14 at 60.8 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (22% of score)

20D Institutional Volume Accumulation (±8.8% realized swing band)

▼ #1 Drag / Risk Factor: Cash Engine Quality7/20 pts (-13 pt drag)

Capital intensity & 5.8% operating margin leave 13 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$25.19+0.8% Next Q

Q2 (-2Q)

Grade C$25.39+5.6% Next Q

Q3 (-1Q)

Grade C$26.81+4.6% Next Q

Current

Grade C$28.03+0.9% Hist 90D α

Trajectory: C (55) → C (63)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the TREE Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, TREE faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

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

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($26.50) or 200D SMA ($38.09) invalidates the momentum regime and cuts Target Base ($28.66) toward Bear Floor ($22.35).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $TREE• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “TREE Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 63%NO 37%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±8.8% Swing Band

±$2.47 Expected Swing

MODEL EARNINGS SETUP GAUGE

TREE Quantitative Pre-Earnings Setup: 63/100

Trailing EPS: $4.25 • YoY Revenue Growth: 24.1%

Model Bullish Setup (63/100)Model Risk Weight (37/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$1.12B	$151.0M	$73.1M	52%
FY 2024	2024-12-31	$900.2M	-$42.0M	$62.3M	52%
FY 2023	2023-12-31	$672.5M	-$122.0M	$67.6M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating TREE & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on TREE
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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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?

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

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

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

When is TREE's next earnings date?

Based on SEC filing cadence, LendingTree Inc. (TREE)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is TREE stock expected to move on earnings?

Volatility modeling currently projects a ±8.8% event move for TREE, spanning a range between $25.56 and $30.5.

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