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TREE

LendingTreeA
Nasdaq / Financial Services
Last Price
Quote time unavailable
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Current thesis
The official Q2 release showed 25% year-over-year consolidated revenue growth, 11% adjusted EBITDA growth, and particularly strong Insurance performance. Updated Q3 and FY2026 outlooks provide some forward visibility, while AI and marketplace initiatives could support operating leverage [#SEC-8K-2026-07-29].
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +5.3.
What can break
Home profitability remains exposed to elevated interest rates and weak housing activity.
Momentum
3
Value
64
Sentiment
84
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $36.00 · Bull $45.00 · Bear $24.00Analysis 2026-08-03; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-03 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $54.17
Why
Momentum3 · Δ7d -0.2
Value64 · Δ7d +0.7
Sentiment84 · Δ7d +5.3
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +5.3.

Contradictions & invalidation

  • • Home profitability remains exposed to elevated interest rates and weak housing activity.
  • • Insurance traffic-acquisition competition may keep variable margins below historical levels.
  • • The quarter was mixed: Consumer revenue fell 4% and segment profit fell 14%, Home segment profit fell 14%, and variable marketing margin as a percentage of revenue declined to 28% from 33% a year earlier.

Catalyst clock

2026-11-01

Insurance growth and margin follow-through

Lead driver: Sentiment · See AI snapshot
Momentum
3
9% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
-0.8
Value
64
28% active weight
Current posture
7d trendFlat
Δ7d
+0.7
Δ21d
+0.9
Sentiment
84
62% active weight
Current posture
7d trendImproving
Δ7d
+5.3
Δ21d
+19.1
Why this grade

Composite grade A. Momentum 3.5 / Value 63.7 / Sentiment 84.2

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-03. Scenario method

B+
Bull case
20%
Probability
Target price
$45.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$36.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$24.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$440.14M
Beta
2.14
Shares Out
14.04M
P/E (TTM)
53.6
P/S (TTM)
0.70
P/FCF (TTM)
12.29
Rev YoY
+25.3%
EPS YoY
+4.9%
Gross Margin
+94.7%
Op Margin
+8.5%
Net Debt
$358.54M
Current Ratio
1.85
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data