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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
LendingTreeTREE +3.00%72 Debt-to-EBITDA is 2.92 as of Mar. 2026, which is 61% below its 10-year median of 7.44. GuruFocus rates TREE with a GF Score™ of 72/100 and a GF Value™ of $59.94 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 116 Diversified Financial Services companies, LendingTree ranks better than 70.69% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for LendingTree's Debt-to-EBITDA or its related term are showing as below:
TREE'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.09 Med: 7.44 Max: 53.54
Current: 3.09
During the past 13 years, the highest Debt-to-EBITDA Ratio of LendingTree was 53.54. The lowest was 3.09. And the median was 7.44.
TREE's Debt-to-EBITDA is ranked better than 70.69% of 116
companies
in the Diversified Financial Services industry
Industry Median: 5.755
vs TREE: 3.09
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
LendingTree Debt-to-EBITDA Related Terms
LendingTree Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for LendingTree's Debt-to-EBITDA 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.
For the Financial Conglomerates subindustry, LendingTree's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, LendingTree's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where LendingTree's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
LendingTree (TREE) has a Debt-to-EBITDA of 2.92 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on LendingTree. This is 61% below median its historical median of 7.44. Over the past decade, LendingTree's Debt-to-EBITDA has ranged from 3.09 to 53.54. According to the industry distribution chart, LendingTree ranks #34 out of 116 companies in the Diversified Financial Services industry, placing it in the top 29.3%.
Is LendingTree's Debt-to-EBITDA too high?
LendingTree's current Debt-to-EBITDA of 2.92 is 61% below median its 10-year median of 7.44. Over the past 10 years, this metric has ranged from a low of 3.09 to a high of 53.54. The Diversified Financial Services industry median Debt-to-EBITDA is 5.76. LendingTree's value of 2.92 is 49.3% below this industry median. Based on the distribution chart, LendingTree ranks #34 out of 116 companies in the Diversified Financial Services industry, which is above the industry midpoint. Overall, LendingTree has a GF Score™ of 72/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does LendingTree's Debt-to-EBITDA compare to TMS and RILY?
According to the Diversified Financial Services industry distribution chart, LendingTree ranks #34 out of 116 companies for Debt-to-EBITDA. This puts LendingTree in the upper half of its industry. The industry median Debt-to-EBITDA is 5.76. LendingTree's value of 2.92 is 49.3% below this benchmark. Historically, LendingTree's own Debt-to-EBITDA has ranged from 3.09 to 53.54 over the past decade. While the company's 10-year median is 7.44 vs. the industry median of 5.76, LendingTree has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Diversified Financial Services company?
The median Debt-to-EBITDA among Diversified Financial Services companies is 5.76, based on 116 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LendingTree's current Debt-to-EBITDA of 2.92 is 49.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on LendingTree. For the Diversified Financial Services industry, the median Debt-to-EBITDA is 5.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LendingTree's current Debt-to-EBITDA is 2.92, which is 61% below median its own 10-year median of 7.44. 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 $59.94, compared to a current price of $40.23 — trading 32.9% below its estimated fair value. The current Debt-to-EBITDA is 2.92, which is 61% below median its 10-year median of 7.44 and 49.3% below the Diversified Financial Services industry median of 5.76. LendingTree's overall GF Score™ is 72/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For LendingTree (TREE), the current Debt-to-EBITDA is 2.92 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 $40.23 is trading 32.9% below its estimated GF Value™ of $59.94.
GuruFocus considers LendingTree to be Possible Value Trap.
Key valuation signals for TREE:
Debt-to-EBITDA: 2.92 (61% below median its 10-year median of 7.44)
GF Value™: $59.94 vs. price of $40.23 (32.9% below fair value)
Industry Position: 49.3% below the Diversified Financial Services median (#34 of 116)
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.
72GF Score
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