LendingTree's Days Sales Outstanding for the
three
months ended in Mar. 2026 was 31.8.
LendingTree's Days Inventory for the
three
months ended in Mar. 2026 was 0.
LendingTree's Days Payable for the
three
months ended in Mar. 2026 was 56.66.
Therefore, LendingTree's Cash Conversion Cycle (CCC) for the
three
months ended in Mar. 2026 was -24.86.
Generally, the lower this number is, the better for the company. Although it should be combined with other metrics (such as ROE % and ROA %), it can be especially useful for comparing close competitors, because the company with the lowest CCC is often the one with better management.
Be Aware
CCC is most effective with retail-type companies, which have inventories that are sold to customers. Consulting businesses, software companies and insurance companies are all examples of companies for whom this metric is meaningless.
The CCC is one of several tools that can help you evaluate management, especially if it is calculated for several consecutive time periods and for several competitors. Decreasing or steady CCCs are good, while rising ones should motivate you to dig a bit deeper.
LendingTree Cash Conversion Cycle Related Terms
LendingTree Cash Conversion Cycle Historical Data
* Premium members only.
The historical data trend for LendingTree's Cash Conversion Cycle can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
TREE vs TMS, RILY, HTH: Cash Conversion Cycle Comparison
For the Financial Conglomerates subindustry, LendingTree's Cash Conversion Cycle, along with its competitors' market caps and Cash Conversion Cycle data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
LendingTree Cash Conversion Cycle vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, LendingTree's Cash Conversion Cycle distribution charts can be found below:
* The bar in red indicates where LendingTree's Cash Conversion Cycle falls into.
Cash Conversion Cycle (CCC) measures how fast a company can convert cash on hand into even more cash on hand. This metric looks at the amount of time needed to sell inventory, the amount of time needed to collect receivables and the length of time the company is afforded to pay its bills without incurring penalties.
Cash Conversion Cycle is one of several measures of management effectiveness.
LendingTree's Cash Conversion Cycle for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
LendingTree (TREE) has a Cash Conversion Cycle of -24.86 as of Mar. 2026. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on LendingTree and its competitors.
Is LendingTree's Cash Conversion Cycle too high?
LendingTree's current Cash Conversion Cycle is -24.86. Overall, LendingTree has a GF Score™ of 75/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does LendingTree's Cash Conversion Cycle compare to TMS and RILY?
LendingTree's Cash Conversion Cycle of -24.86 can be compared against companies in the Diversified Financial Services industry. The industry median Cash Conversion Cycle is 1.19. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Conversion Cycle for a Diversified Financial Services company?
The median Cash Conversion Cycle among Diversified Financial Services companies is 1.19, based on 92 companies in the industry. Companies in the top quartile (top 25%) have a Cash Conversion Cycle significantly above this median, while those in the bottom quartile fall well below. However, Cash Conversion Cycle should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Conversion Cycle mean?
A high Cash Conversion Cycle can signal that a stock is expensive relative to its fundamentals. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on LendingTree and its competitors. For the Diversified Financial Services industry, the median Cash Conversion Cycle is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LendingTree's current Cash Conversion Cycle is -24.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LendingTree stock overvalued right now?
Based on GuruFocus' analysis, LendingTree (TREE) is currently considered Possible Value Trap. The stock's GF Value™ is $59.30, compared to a current price of $40.58 — trading 31.6% below its estimated fair value. The current Cash Conversion Cycle is -24.86. LendingTree's overall GF Score™ is 75/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Conversion Cycle calculated?
Cash Conversion Cycle is calculated from a company's financial statements. For LendingTree (TREE), the current Cash Conversion Cycle is -24.86 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is LendingTree (TREE) Overvalued in 2026?
Based on GuruFocus' analysis, LendingTree stock appears to be undervalued.
The current stock price of $40.58 is trading 31.6% below its estimated GF Value™ of $59.30.
GuruFocus considers LendingTree to be Possible Value Trap.
Key valuation signals for TREE:
Cash Conversion Cycle: -24.86
GF Value™: $59.30 vs. price of $40.58 (31.6% below fair value)
No single metric tells the full story. See the TREE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LendingTree Inc. is a U.S.-based company that mainly operates an online loan marketplace. The company offers online tools and resources to help consumers find loans or other credit-based products, including mortgage loans, reverse mortgages, home equity loans, personal loans, auto loans, credit cards, student loans, small business loans, and various related products. It provides consumers with direct access to a wide array of lenders. The company has three reportable segments: Home, Consumer, and Insurance. It generates match fees by connecting consumers with lenders and closing fees from lenders when a transaction is finalized. The company conducts business solely in the United States.
75GF Score
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