TREE (LendingTree) Cyclically Adjusted FCF per Share: $5.50 (As of Mar. 2026)


TREE LendingTree Inc TREE
76 GF Score
Price $44.84
GF Value $59.55
Valuation Modestly Undervalued
! 4 Warning Signs
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What is LendingTree Cyclically Adjusted FCF per Share?

LendingTree TREE -0.66% 76 Cyclically Adjusted FCF per Share is $5.50 as of Mar. 2026. GuruFocus rates TREE with a GF Score™ of 76/100 and a GF Value™ of $59.55 (Modestly Undervalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

LendingTree's adjusted free cash flow per share for the three months ended in Mar. 2026 was $0.621. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $5.50 for the trailing ten years ended in Mar. 2026.

During the past 12 months, LendingTree's average Cyclically Adjusted FCF Growth Rate was 7.00% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 10.10% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 4.10% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 23.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of LendingTree was 65.60% per year. The lowest was -5.50% per year. And the median was 20.85% per year.

As of today (2026-07-08), LendingTree's current stock price is $44.84. LendingTree's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $5.50. LendingTree's Cyclically Adjusted Price-to-FCF of today is 8.15.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of LendingTree was 299.43. The lowest was 2.34. And the median was 41.68.


LendingTree  (NAS:TREE) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

LendingTree's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=44.84/5.50
=8.15

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of LendingTree was 299.43. The lowest was 2.34. And the median was 41.68.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


LendingTree Cyclically Adjusted FCF per Share Related Terms


LendingTree Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for LendingTree's Cyclically Adjusted FCF per Share 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.

LendingTree Cyclically Adjusted FCF per Share Chart

LendingTree Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.09 4.06 4.58 5.14 5.42

LendingTree Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.14 5.28 5.35 5.42 5.50

TREE vs TMS, RILY, HTH: Cyclically Adjusted FCF per Share Comparison

For the Financial Conglomerates subindustry, LendingTree's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, LendingTree's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where LendingTree's Cyclically Adjusted Price-to-FCF falls into.


TREE
76GF Score
LendingTree Inc TREE
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

LendingTree Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, LendingTree's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.621/330.2130*330.2130
=0.621

Current CPI (Mar. 2026) = 330.2130.

LendingTree Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 -0.181 241.018 -0.248
201609 1.416 241.428 1.937
201612 -0.284 241.432 -0.388
201703 1.068 243.801 1.447
201706 2.125 244.955 2.865
201709 0.979 246.819 1.310
201712 2.447 246.524 3.278
201803 0.780 249.554 1.032
201806 -0.515 251.989 -0.675
201809 2.739 252.439 3.583
201812 3.971 251.233 5.219
201903 1.091 254.202 1.417
201906 2.446 256.143 3.153
201909 2.150 256.759 2.765
201912 2.774 256.974 3.565
202003 1.721 258.115 2.202
202006 3.995 257.797 5.117
202009 -5.108 260.280 -6.480
202012 -1.014 260.474 -1.285
202103 -0.120 264.877 -0.150
202106 2.992 271.696 3.636
202109 1.685 274.310 2.028
202112 2.823 278.802 3.344
202203 0.506 287.504 0.581
202206 0.253 296.311 0.282
202209 0.596 296.808 0.663
202212 1.108 296.797 1.233
202303 0.828 301.836 0.906
202306 0.981 305.109 1.062
202309 1.031 307.789 1.106
202312 1.405 306.746 1.512
202403 0.223 312.332 0.236
202406 -0.572 314.175 -0.601
202409 3.171 315.301 3.321
202412 1.003 315.605 1.049
202503 -0.270 319.799 -0.279
202506 1.847 322.561 1.891
202509 1.828 324.800 1.858
202512 0.919 324.054 0.936
202603 0.621 330.213 0.621

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $5.50 mean?
LendingTree (TREE) has a Cyclically Adjusted FCF per Share of $5.50 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on LendingTree and its competitors.
Is LendingTree's Cyclically Adjusted FCF per Share too high?
LendingTree's current Cyclically Adjusted FCF per Share is $5.50. Overall, LendingTree has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LendingTree's Cyclically Adjusted FCF per Share compare to TMS and RILY?
LendingTree's Cyclically Adjusted FCF per Share of $5.50 can be compared against companies in the Diversified Financial Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Diversified Financial Services company?
A good Cyclically Adjusted FCF per Share depends on the Diversified Financial Services industry context. However, Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on LendingTree and its competitors. LendingTree's current Cyclically Adjusted FCF per Share is $5.50. 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 Modestly Undervalued. The stock's GF Value™ is $59.55, compared to a current price of $44.84 — trading 24.7% below its estimated fair value. The current Cyclically Adjusted FCF per Share is $5.50. LendingTree's overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For LendingTree (TREE), the current Cyclically Adjusted FCF per Share is $5.50 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 $44.84 is trading 24.7% below its estimated GF Value™ of $59.55. GuruFocus considers LendingTree to be Modestly Undervalued.

Key valuation signals for TREE:

  • Cyclically Adjusted FCF per Share: $5.50
  • GF Value™: $59.55 vs. price of $44.84 (24.7% below fair value)
  • GF Score™: 76/100 with 4 warning signs

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 Business Description

Other Exchanges 0JTZ:UKT77:Germany
Address 1415 Vantage Park Drive, Suite 700, Charlotte, NC, USA, 28203
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.
76GF Score

Get the complete analysis for TREE

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$44.84
Price
$59.55
GF Value