Valuation Update With 7 Day Price Move • Jun 30
Investor sentiment improves as stock rises 17% After last week's 17% share price gain to US$43.71, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 96% over the past three years. Reported Earnings • May 01
First quarter 2026 earnings released: EPS: US$1.25 (vs US$0.92 loss in 1Q 2025) First quarter 2026 results: EPS: US$1.25 (up from US$0.92 loss in 1Q 2025). Revenue: US$327.3m (up 37% from 1Q 2025). Net income: US$17.3m (up US$29.6m from 1Q 2025). Profit margin: 5.3% (up from net loss in 1Q 2025). The move to profitability was driven by higher revenue. Revenue is forecast to grow 8.7% p.a. on average during the next 3 years, compared to a 16% growth forecast for the Consumer Finance industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 97% per year but the company’s share price has only increased by 40% per year, which means it is significantly lagging earnings growth. Announcement • Apr 29
LendingTree, Inc., Annual General Meeting, Jun 17, 2026 LendingTree, Inc., Annual General Meeting, Jun 17, 2026. Valuation Update With 7 Day Price Move • Apr 17
Investor sentiment improves as stock rises 17% After last week's 17% share price gain to US$48.22, the stock trades at a forward P/E ratio of 14x. Average forward P/E is 8x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 101% over the past three years. Announcement • Apr 15
LendingTree, Inc. to Report Q1, 2026 Results on Apr 30, 2026 LendingTree, Inc. announced that they will report Q1, 2026 results at 4:00 PM, Eastern Standard Time on Apr 30, 2026 New Risk • Mar 03
New major risk - Share price stability The company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of British stocks, typically moving 13% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Interest payments are not well covered by earnings (1.8x net interest cover). Share price has been highly volatile over the past 3 months (13% average weekly change). Earnings are forecast to decline by an average of 5.6% per year for the foreseeable future. Minor Risk Large one-off items impacting financial results. Announcement • Mar 03
Lendingtree, Inc. Provides Revenue Guidance for the First-Quarter and Full-Year of 2026 LendingTree, Inc. provided revenue guidance for the first-quarter and full-year of 2026. For the quarter, company expects Revenue of $317million to $325 million.
For the year, company expects Revenue of $1,275 million to $1,330 million. New Risk • Mar 03
New major risk - Revenue and earnings growth Earnings are forecast to decline by an average of 4.4% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Interest payments are not well covered by earnings (1.8x net interest cover). Earnings are forecast to decline by an average of 4.4% per year for the foreseeable future. Minor Risks Share price has been volatile over the past 3 months (11% average weekly change). Large one-off items impacting financial results. Reported Earnings • Mar 03
Full year 2025 earnings released: EPS: US$11.14 (vs US$3.14 loss in FY 2024) Full year 2025 results: EPS: US$11.14 (up from US$3.14 loss in FY 2024). Revenue: US$1.12b (up 24% from FY 2024). Net income: US$151.3m (up US$193.0m from FY 2024). Profit margin: 14% (up from net loss in FY 2024). Revenue is forecast to grow 8.8% p.a. on average during the next 3 years, compared to a 16% growth forecast for the Consumer Finance industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 80% per year but the company’s share price has only increased by 6% per year, which means it is significantly lagging earnings growth. Valuation Update With 7 Day Price Move • Feb 17
Investor sentiment deteriorates as stock falls 16% After last week's 16% share price decline to US$39.25, the stock trades at a forward P/E ratio of 16x. Average forward P/E is 10x in the Consumer Finance industry in the United Kingdom. Total loss to shareholders of 4.1% over the past three years. Valuation Update With 7 Day Price Move • Feb 03
Investor sentiment deteriorates as stock falls 17% After last week's 17% share price decline to US$49.00, the stock trades at a forward P/E ratio of 22x. Average forward P/E is 10x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 9.7% over the past three years. Announcement • Jan 22
LendingTree, Inc. to Report Q4, 2025 Results on Mar 02, 2026 LendingTree, Inc. announced that they will report Q4, 2025 results at 4:00 PM, Eastern Standard Time on Mar 02, 2026 Announcement • Jan 10
LendingTree, Inc. Promotes Ian Smith to Chief Operating Officer and Laura Nelson to Head of Insurance LendingTree, Inc. announced the promotion of Ian Smith,43, to Chief Operating Officer. Scott Peyree previously served as Chief Operating Officer before he was appointed Chief Executive Officer following the passing of founder Doug Lebda. Laura Nelson will step into the Head of Insurance role following Smith's transition. The leadership appointments reflect LendingTree's continued focus on disciplined execution, operational scale, and long-term growth. As Chief Operating Officer, Smith will oversee day-to-day operations across LendingTree, bringing the operating rigor and discipline he established within the company's insurance business to lending and the broader organization. Nelson will lead LendingTree's insurance marketplace, building on its momentum and continuing to drive performance, innovation, and partner success. Smith most recently served as Senior Vice President of Insurance at LendingTree, where he led the company's insurance business, driving strategy, operations and growth across its insurance marketplace. He joined QuoteWizard in 2005 and helped transform the business from a fast-growing startup into one of the leading online insurance comparison platforms in the U.S. Following LendingTree's acquisition of QuoteWizard, Smith played a critical role in integrating the business into LendingTree's broader financial ecosystem and advancing the company's position in the insurtech space. Nelson has served as Senior Vice President of Sales, where she led revenue growth initiatives and built high-performing sales teams across the company. As Head of Insurance, she will be responsible for the overall strategy, execution and performance of LendingTree's insurance marketplace, continuing to strengthen relationships with carriers and deliver value to consumers. Valuation Update With 7 Day Price Move • Jan 09
Investor sentiment improves as stock rises 18% After last week's 18% share price gain to US$62.78, the stock trades at a forward P/E ratio of 23x. Average forward P/E is 11x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 121% over the past three years. Valuation Update With 7 Day Price Move • Nov 26
Investor sentiment improves as stock rises 17% After last week's 17% share price gain to US$57.74, the stock trades at a forward P/E ratio of 23x. Average forward P/E is 9x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 167% over the past three years. Valuation Update With 7 Day Price Move • Nov 07
Investor sentiment deteriorates as stock falls 20% After last week's 20% share price decline to US$52.62, the stock trades at a forward P/E ratio of 22x. Average forward P/E is 8x in the Consumer Finance industry in the United Kingdom. Total returns to shareholders of 86% over the past three years. Reported Earnings • Oct 31
Third quarter 2025 earnings released: EPS: US$0.75 (vs US$4.34 loss in 3Q 2024) Third quarter 2025 results: EPS: US$0.75 (up from US$4.34 loss in 3Q 2024). Revenue: US$307.8m (up 18% from 3Q 2024). Net income: US$10.2m (up US$68.1m from 3Q 2024). Profit margin: 3.3% (up from net loss in 3Q 2024). Revenue is forecast to grow 5.1% p.a. on average during the next 3 years, compared to a 16% growth forecast for the Consumer Finance industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 54% per year but the company’s share price has only increased by 44% per year, which means it is significantly lagging earnings growth. Breakeven Date Change • Oct 30 The 6 analysts covering LendingTree previously expected the company to break even in 2025. New consensus forecast suggests the company will make a profit of US$15.4m in 2025. Earnings growth of 34% is required to achieve expected profit on schedule.
Announcement • Oct 30
LendingTree, Inc. Updates Earnings Guidance for the Fourth Quarter and Full Year Ended December 31, 2025 LendingTree, Inc. updated earnings guidance for the fourth quarter and full year ended December 31, 2025. For the quarter, the company expected resulting implied revenue to be $280 million to $290 million.
For the year, the company expected revenue of $1.08 billion to $1.09 billion. Announcement • Oct 11
LendingTree, Inc. to Report Q3, 2025 Results on Oct 30, 2025 LendingTree, Inc. announced that they will report Q3, 2025 results After-Market on Oct 30, 2025 New Risk • Aug 27
New minor risk - Insider selling There has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: US$598k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. Currently, the following risks have been identified for the company: Minor Risks Share price has been volatile over the past 3 months (8.9% average weekly change). Significant insider selling over the past 3 months (US$598k sold). Recent Insider Transactions • Aug 27
CFO & Treasurer recently sold US$445k worth of stock On the 25th of August, Jason Bengel sold around 6k shares on-market at roughly US$68.86 per share. This transaction amounted to 50% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Jason's only on-market trade for the last 12 months. Reported Earnings • Aug 01
Second quarter 2025 earnings released: EPS: US$0.65 (vs US$0.58 in 2Q 2024) Second quarter 2025 results: EPS: US$0.65 (up from US$0.58 in 2Q 2024). Revenue: US$250.1m (up 19% from 2Q 2024). Net income: US$8.86m (up 14% from 2Q 2024). Profit margin: 3.5% (down from 3.7% in 2Q 2024). Revenue is forecast to grow 6.0% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Consumer Finance industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 20% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth. Announcement • Jul 17
LendingTree, Inc. to Report Q2, 2025 Results on Jul 31, 2025 LendingTree, Inc. announced that they will report Q2, 2025 results at 4:00 PM, Eastern Standard Time on Jul 31, 2025 Reported Earnings • May 02
First quarter 2025 earnings released: US$0.92 loss per share (vs US$0.078 profit in 1Q 2024) First quarter 2025 results: US$0.92 loss per share (down from US$0.078 profit in 1Q 2024). Revenue: US$239.7m (up 43% from 1Q 2024). Net loss: US$12.4m (down US$13.4m from profit in 1Q 2024). Revenue is forecast to grow 5.6% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Consumer Finance industry in the United Kingdom. Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has fallen by 17% per year, which means it is performing significantly worse than earnings. Announcement • May 02
LendingTree, Inc. Updates Earnings Guidance for the Full Year of 2025 LendingTree, Inc. updated earnings guidance for the full year of 2025. For the year, the company expects revenue to be $955 million to $995 million compared to the prior range of $985 million to $1,025 million. Board Change • May 01
Insufficient new directors No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 3 experienced directors. 6 highly experienced directors. Independent Director Mark Ernst was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model. Announcement • Apr 28
LendingTree, Inc., Annual General Meeting, Jun 11, 2025 LendingTree, Inc., Annual General Meeting, Jun 11, 2025. Announcement • Apr 24
LendingTree, Inc. to Report Q1, 2025 Results on May 01, 2025 LendingTree, Inc. announced that they will report Q1, 2025 results After-Market on May 01, 2025 Recent Insider Transactions • Mar 15
Key Executive recently bought US$1.4m worth of stock On the 12th of March, Scott Peyree bought around 32k shares on-market at roughly US$42.91 per share. This transaction amounted to 47% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Scott has been a buyer over the last 12 months, purchasing a net total of US$1.6m worth in shares. Reported Earnings • Mar 06
Full year 2024 earnings released: US$3.14 loss per share (vs US$9.46 loss in FY 2023) Full year 2024 results: US$3.14 loss per share (improved from US$9.46 loss in FY 2023). Revenue: US$900.2m (up 34% from FY 2023). Net loss: US$41.7m (loss narrowed 66% from FY 2023). Revenue is forecast to grow 6.9% p.a. on average during the next 3 years, compared to a 11% growth forecast for the Consumer Finance industry in the United Kingdom. Over the last 3 years on average, earnings per share has fallen by 31% per year but the company’s share price has only fallen by 21% per year, which means it has not declined as severely as earnings. Announcement • Mar 06
LendingTree, Inc. Provides Earnings Guidance for the First Quarter of 2025 and Full Year 2025 LendingTree, Inc. provided earnings guidance for the first quarter of 2025 and full year 2025. For the quarter, the company expects Revenue: $241 million - $248 million.
For the year, the company expects Revenue is anticipated to be in the range of $985 million - $1,025 million, an increase of 9% to 14% compared to 2024. full-year 2025 outlook assumes double-digit revenue growth in both the Home and Consumer segments, with more modest Insurance segment growth following a record year. Announcement • Feb 20
LendingTree, Inc. to Report Q4, 2024 Results on Mar 05, 2025 LendingTree, Inc. announced that they will report Q4, 2024 results After-Market on Mar 05, 2025 Reported Earnings • Nov 03
Third quarter 2024 earnings released: US$4.35 loss per share (vs US$11.43 loss in 3Q 2023) Third quarter 2024 results: US$4.35 loss per share (improved from US$11.43 loss in 3Q 2023). Revenue: US$260.8m (up 68% from 3Q 2023). Net loss: US$58.0m (loss narrowed 61% from 3Q 2023). Revenue is forecast to grow 11% p.a. on average during the next 3 years, compared to a 9.9% growth forecast for the Consumer Finance industry in the United Kingdom. Over the last 3 years on average, earnings per share has fallen by 51% per year but the company’s share price has only fallen by 33% per year, which means it has not declined as severely as earnings. Announcement • Oct 15
LendingTree, Inc. to Report Q3, 2024 Results on Oct 31, 2024 LendingTree, Inc. announced that they will report Q3, 2024 results After-Market on Oct 31, 2024 Recent Insider Transactions • Aug 20
Independent Director recently sold US$98k worth of stock On the 15th of August, Diego Rodriguez sold around 2k shares on-market at roughly US$49.16 per share. This transaction amounted to 32% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$8.0m more than they bought in the last 12 months. Announcement • Aug 01
LendingTree, Inc. has filed a Follow-on Equity Offering in the amount of $50 million. LendingTree, Inc. has filed a Follow-on Equity Offering in the amount of $50 million.
Security Name: Common Stock
Security Type: Common Stock
Transaction Features: At the Market Offering Reported Earnings • Jul 26
Second quarter 2024 earnings released: EPS: US$0.58 (vs US$0.009 loss in 2Q 2023) Second quarter 2024 results: EPS: US$0.58 (up from US$0.009 loss in 2Q 2023). Revenue: US$210.1m (up 15% from 2Q 2023). Net income: US$7.80m (up US$7.92m from 2Q 2023). Profit margin: 3.7% (up from net loss in 2Q 2023). Revenue is forecast to grow 12% p.a. on average during the next 3 years, compared to a 11% growth forecast for the Consumer Finance industry in the United Kingdom. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 33 percentage points per year, which is a significant difference in performance. Announcement • Jul 16
LendingTree, Inc. to Report Q2, 2024 Results on Jul 25, 2024 LendingTree, Inc. announced that they will report Q2, 2024 results After-Market on Jul 25, 2024 Recent Insider Transactions • May 08
CFO & Treasurer recently sold US$431k worth of stock On the 3rd of May, Trent Ziegler sold around 9k shares on-market at roughly US$49.30 per share. This transaction amounted to 100% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Trent's only on-market trade for the last 12 months. New Risk • May 04
New minor risk - Shareholder dilution The company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.4% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Interest payments are not well covered by earnings (1.3x net interest cover). Share price has been highly volatile over the past 3 months (13% average weekly change). Minor Risk Shareholders have been diluted in the past year (2.4% increase in shares outstanding). Reported Earnings • May 01
First quarter 2024 earnings released: EPS: US$0.078 (vs US$1.05 in 1Q 2023) First quarter 2024 results: EPS: US$0.078 (down from US$1.05 in 1Q 2023). Revenue: US$167.8m (down 16% from 1Q 2023). Net income: US$1.02m (down 93% from 1Q 2023). Profit margin: 0.6% (down from 6.7% in 1Q 2023). Revenue is forecast to grow 11% p.a. on average during the next 3 years, compared to a 11% growth forecast for the Consumer Finance industry in the United Kingdom. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 38 percentage points per year, which is a significant difference in performance. Announcement • Apr 28
LendingTree, Inc., Annual General Meeting, Jun 12, 2024 LendingTree, Inc., Annual General Meeting, Jun 12, 2024, at 11:00 US Eastern Standard Time. Agenda: To consider directorate elections; to consider on pay); to consider LendingTree's independent registered public accounting firm; and to consider other matters. Announcement • Apr 17
LendingTree, Inc. to Report Q1, 2024 Results on Apr 30, 2024 LendingTree, Inc. announced that they will report Q1, 2024 results at 7:00 AM, Eastern Standard Time on Apr 30, 2024 Announcement • Mar 28
LendingTree, Inc. announced that it expects to receive $175 million in funding LendingTree, Inc announced a private placement to issue secured first lien term loan facility with new lender, Apollo Global Management, Inc. for a gross proceeds of $175,000,000 on March 27, 2024. The company expects to issue $125,000,000 of the facility upon funding while the remainder will be available as a delayed draw during the following 12 months. New Risk • Mar 02
New minor risk - Shareholder dilution The company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.0% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (13% operating cash flow to total debt). Share price has been highly volatile over the past 3 months (12% average weekly change). Minor Risk Shareholders have been diluted in the past year (2.0% increase in shares outstanding). Announcement • Feb 29
Lendingtree, Inc. Provides Revenue Guidance for the First-Quarter and Full-Year of 2024 LendingTree, Inc. provided revenue guidance for the first-quarter and full-year of 2024. For the quarter, company expects Revenue of $158 - $168 million. For the year, Revenue is anticipated to be in the range of $650 - $690 million, representing a decline of 3% to an increase of 3% compared to 2023. Reported Earnings • Feb 28
Full year 2023 earnings released: US$9.46 loss per share (vs US$14.69 loss in FY 2022) Full year 2023 results: US$9.46 loss per share (improved from US$14.69 loss in FY 2022). Revenue: US$672.5m (down 32% from FY 2022). Net loss: US$122.4m (loss narrowed 35% from FY 2022). Revenue is forecast to grow 6.9% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Consumer Finance industry in the United Kingdom. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 29 percentage points per year, which is a significant difference in performance. Announcement • Feb 21
LendingTree, Inc. to Report Q4, 2023 Results on Feb 27, 2024 LendingTree, Inc. announced that they will report Q4, 2023 results at 7:00 AM, US Eastern Standard Time on Feb 27, 2024 Reported Earnings • Oct 31
Third quarter 2023 earnings released: US$11.43 loss per share (vs US$12.44 loss in 3Q 2022) Third quarter 2023 results: US$11.43 loss per share (improved from US$12.44 loss in 3Q 2022). Revenue: US$155.2m (down 35% from 3Q 2022). Net loss: US$148.5m (loss narrowed 6.4% from 3Q 2022). Revenue is forecast to grow 4.6% p.a. on average during the next 3 years, compared to a 11% growth forecast for the Consumer Finance industry in the United Kingdom. Announcement • Oct 17
LendingTree, Inc. to Report Q3, 2023 Results on Oct 31, 2023 LendingTree, Inc. announced that they will report Q3, 2023 results at 7:00 AM, US Eastern Standard Time on Oct 31, 2023 Recent Insider Transactions • Sep 02
Founder recently sold US$7.3m worth of stock On the 30th of August, Douglas Lebda sold around 388k shares on-market at roughly US$18.93 per share. This transaction amounted to 16% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Douglas has been a net seller over the last 12 months, reducing personal holdings by US$8.2m. New Risk • Aug 13
New minor risk - Insider selling There has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: US$60k This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (8.8% operating cash flow to total debt). Share price has been highly volatile over the past 3 months (14% average weekly change). Minor Risk Significant insider selling over the past 3 months (US$60k sold). Recent Insider Transactions • Aug 04
Chief Human Resources Officer recently sold US$59k worth of stock On the 2nd of August, Jill Olmstead sold around 3k shares on-market at roughly US$22.32 per share. This transaction amounted to 40% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$481k more than they bought in the last 12 months. Reported Earnings • Jul 29
Second quarter 2023 earnings released: US$0.009 loss per share (vs US$0.63 loss in 2Q 2022) Second quarter 2023 results: US$0.009 loss per share (improved from US$0.63 loss in 2Q 2022). Revenue: US$182.5m (down 30% from 2Q 2022). Net loss: US$115.0k (loss narrowed 99% from 2Q 2022). Revenue is forecast to grow 1.4% p.a. on average during the next 3 years, compared to a 8.4% growth forecast for the Consumer Finance industry in the United Kingdom. Announcement • Jun 22
LendingTree Appoints Eoghan Nolan as SVP, Product Management LendingTree announced the appointment of Eoghan Nolan as SVP, Product Management. With extensive and diverse experience in digital product design, technology, and engineering, Eoghan has a proven track record of unlocking scale, driving delivery, and creating new product-driven business models. He has a passion for leveraging data and technology to create, accelerate and scale up business models – values that align perfectly with LendingTree's mission to simplify financial decisions for life's meaningful moments. Nolan has held integral roles in building global-scale technology platforms at Google and Accenture. Most recently, he served as SVP, Product and Engineering at Charlotte-based Red Ventures, the operator behind multiple brands and businesses including Bankrate, CNET and Lonely Planet. Prior to his work at Red Ventures, Eoghan was responsible for designing and delivering the technology, product, and data strategies in the online gaming, fintech and ecommerce industries. Eoghan holds a B.A. in Economics from Trinity College Dublin, and Masters degrees in both Computer Science and Financial Mathematics from University College Dublin. He will be based out of LendingTree's headquarters in Charlotte, North Carolina. Recent Insider Transactions • May 14
Independent Director recently bought US$236k worth of stock On the 12th of May, Mark Ernst bought around 13k shares on-market at roughly US$18.14 per share. This transaction amounted to 64% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold US$421k more in shares than they bought in the last 12 months. Reported Earnings • May 03
First quarter 2023 earnings released: EPS: US$1.05 (vs US$0.84 loss in 1Q 2022) First quarter 2023 results: EPS: US$1.05 (up from US$0.84 loss in 1Q 2022). Revenue: US$200.5m (down 29% from 1Q 2022). Net income: US$13.5m (up US$24.3m from 1Q 2022). Profit margin: 6.7% (up from net loss in 1Q 2022). The move to profitability was driven by lower expenses. Revenue is forecast to grow 6.3% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Consumer Finance industry in the United Kingdom. Reported Earnings • Mar 01
Full year 2022 earnings released: US$14.69 loss per share (vs US$5.54 profit in FY 2021) Full year 2022 results: US$14.69 loss per share (down from US$5.54 profit in FY 2021). Revenue: US$985.0m (down 10% from FY 2021). Net loss: US$187.9m (down 357% from profit in FY 2021). Revenue is forecast to grow 3.9% p.a. on average during the next 3 years, compared to a 11% growth forecast for the Consumer Finance industry in the United Kingdom. Announcement • Feb 08
LendingTree, Inc. to Report Q4, 2022 Results on Feb 27, 2023 LendingTree, Inc. announced that they will report Q4, 2022 results at 7:00 AM, US Eastern Standard Time on Feb 27, 2023 Recent Insider Transactions • Nov 18
Chief Human Resources Officer recently sold US$91k worth of stock On the 10th of November, Jill Olmstead sold around 4k shares on-market at roughly US$26.07 per share. This transaction amounted to 69% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Despite this recent sale, insiders have collectively bought US$912k more than they sold in the last 12 months. Valuation Update With 7 Day Price Move • Sep 03
Investor sentiment deteriorated over the past week After last week's 17% share price decline to US$29.52, the stock trades at a trailing P/E ratio of 15.3x. Average forward P/E is 5x in the Consumer Finance industry in the United Kingdom. Total loss to shareholders of 90% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$30.50 per share. Recent Insider Transactions • Aug 25
Independent Director recently bought US$347k worth of stock On the 23rd of August, Mark Ernst bought around 10k shares on-market at roughly US$34.68 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought US$264k more in shares than they have sold in the last 12 months. Valuation Update With 7 Day Price Move • Aug 12
Investor sentiment improved over the past week After last week's 16% share price gain to US$49.06, the stock trades at a trailing P/E ratio of 23.8x. Average forward P/E is 5x in the Consumer Finance industry in the United Kingdom. Total loss to shareholders of 83% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$39.41 per share. Reported Earnings • Jul 29
Second quarter 2022 earnings released: US$0.63 loss per share (vs US$0.74 profit in 2Q 2021) Second quarter 2022 results: US$0.63 loss per share (down from US$0.74 profit in 2Q 2021). Revenue: US$261.9m (down 3.0% from 2Q 2021). Net loss: US$8.04m (down 182% from profit in 2Q 2021). Over the next year, revenue is expected to shrink by 2.2% compared to a 17% growth forecast for the industry in the United Kingdom. Over the last 3 years on average, earnings per share has fallen by 12% per year but the company’s share price has fallen by 52% per year, which means it is performing significantly worse than earnings. Valuation Update With 7 Day Price Move • Jun 16
Investor sentiment deteriorated over the past week After last week's 18% share price decline to US$48.93, the stock trades at a trailing P/E ratio of 14.6x. Average forward P/E is 7x in the Consumer Finance industry in the United Kingdom. Total loss to shareholders of 87% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$43.39 per share. Board Change • May 31
High number of new directors Independent Director Mark Ernst was the last director to join the board, commencing their role in 2022. Recent Insider Transactions • May 12
Independent Director recently bought US$657k worth of stock On the 9th of May, Mark Ernst bought around 10k shares on-market at roughly US$65.67 per share. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold US$708k more in shares than they bought in the last 12 months. Reported Earnings • May 06
First quarter 2022 earnings released: US$0.84 loss per share (vs US$1.48 profit in 1Q 2021) First quarter 2022 results: US$0.84 loss per share (down from US$1.48 profit in 1Q 2021). Revenue: US$283.2m (up 3.8% from 1Q 2021). Net loss: US$10.8m (down 156% from profit in 1Q 2021). Over the next year, revenue is forecast to grow 12%, compared to a 104% growth forecast for the industry in the United Kingdom. Board Change • Apr 29
Insufficient new directors There is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 2 highly experienced directors. Independent DIrector Jennifer Witz was the last director to join the board, commencing their role in 2020. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model. Valuation Update With 7 Day Price Move • Mar 08
Investor sentiment deteriorated over the past week After last week's 17% share price decline to US$101, the stock trades at a trailing P/E ratio of 17.1x. Average forward P/E is 7x in the Consumer Finance industry in the United Kingdom. Total loss to shareholders of 55% over the past year. Simply Wall St's valuation model estimates the intrinsic value at US$54.19 per share. Reported Earnings • Feb 26
Full year 2021 earnings: Revenues and EPS in line with analyst expectations Full year 2021 results: EPS: US$5.54 (up from US$1.74 loss in FY 2020). Revenue: US$1.10b (up 21% from FY 2020). Net income: US$73.1m (up US$95.7m from FY 2020). Profit margin: 6.7% (up from net loss in FY 2020). The move to profitability was driven by higher revenue. Revenue was in line with analyst estimates. Over the next year, revenue is forecast to grow 12%, compared to a 121% growth forecast for the industry in the United Kingdom. Board Change • Feb 23
Insufficient new directors There is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 2 highly experienced directors. Independent DIrector Jennifer Witz was the last director to join the board, commencing their role in 2020. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model. Board Change • Jan 04
Insufficient new directors There is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 5 experienced directors. 2 highly experienced directors. Independent DIrector Jennifer Witz was the last director to join the board, commencing their role in 2020. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model. Recent Insider Transactions • Nov 05
President & President of Marketplace recently sold US$615k worth of stock On the 2nd of November, Neil Salvage sold around 4k shares on-market at roughly US$148 per share. This was the largest sale by an insider in the last 3 months. Neil has been a seller over the last 12 months, reducing personal holdings by US$1.5m. Reported Earnings • Oct 29
Third quarter 2021 earnings released: US$0.33 loss per share (vs US$1.90 loss in 3Q 2020) The company reported a solid third quarter result with reduced losses, improved revenues and improved control over expenses. Third quarter 2021 results: Revenue: US$297.5m (up 35% from 3Q 2020). Net loss: US$4.41m (loss narrowed 82% from 3Q 2020). Board Change • Sep 29
Insufficient new directors There is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 6 experienced directors. 1 highly experienced director. Independent DIrector Jennifer Witz was the last director to join the board, commencing their role in 2020. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model. Board Change • Aug 27
Insufficient new directors There is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 6 experienced directors. 1 highly experienced director. Independent DIrector Jennifer Witz was the last director to join the board, commencing their role in 2020. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model. 
