Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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 -0.19%71 EV-to-OCF is 8.88 as of Aug. 18, 2026, which is 65% below its 10-year median of 25.68. GuruFocus rates TREE with a GF Score™ of 71/100 and a GF Value™ of $60.89 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 531 Diversified Financial Services companies, LendingTree ranks worse than 90.58% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, LendingTree's Enterprise Value is $764 Mil.
LendingTree's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $86 Mil. Therefore, LendingTree's EV-to-OCF for today is 8.88.
The historical rank and industry rank for LendingTree's EV-to-OCF or its related term are showing as below:
TREE'
s EV-to-OCF Range Over the Past 10 Years
Min: 8.84 Med: 25.68 Max: 211.64
Current: 8.88
During the past 13 years, the highest EV-to-OCF of LendingTree was 211.64. The lowest was 8.84. And the median was 25.68.
TREE's EV-to-OCF is ranked worse than 90.58% of 531
companies
in the Diversified Financial Services industry
Industry Median: -34.02
vs TREE: 8.88
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
LendingTree's PE Ratio (TTM) for today is calculated as:
LendingTree's share price for today is $31.25.
LendingTree's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $12.900.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
LendingTree EV-to-OCF Related Terms
LendingTree EV-to-OCF Historical Data
* Premium members only.
The historical data trend for LendingTree's EV-to-OCF 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 EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, LendingTree's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where LendingTree's EV-to-OCF falls into.
LendingTree's current Enterprise Value is $764 Mil.
LendingTree's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $86 Mil.
* 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 EV-to-OCF of 8.88 as of Aug. 18, 2026. This is 65% below median its historical median of 25.68. Over the past decade, LendingTree's EV-to-OCF has ranged from 8.84 to 211.64. According to the industry distribution chart, LendingTree ranks #481 out of 531 companies in the Diversified Financial Services industry, placing it in the top 90.6%.
Is LendingTree's EV-to-OCF too high?
LendingTree's current EV-to-OCF of 8.88 is 65% below median its 10-year median of 25.68. Over the past 10 years, this metric has ranged from a low of 8.84 to a high of 211.64. Based on the distribution chart, LendingTree ranks #481 out of 531 companies in the Diversified Financial Services industry, which is in the bottom quartile relative to peers. Overall, LendingTree has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does LendingTree's EV-to-OCF compare to TMS and RILY?
According to the Diversified Financial Services industry distribution chart, LendingTree ranks #481 out of 531 companies for EV-to-OCF. This places LendingTree in the lower half of its industry. Historically, LendingTree's own EV-to-OCF has ranged from 8.84 to 211.64 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Diversified Financial Services company?
A good EV-to-OCF depends on the Diversified Financial Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. LendingTree's current EV-to-OCF is 8.88, which is 65% below median its own 10-year median of 25.68. 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 $60.89, compared to a current price of $31.25 — trading 48.7% below its estimated fair value. The current EV-to-OCF is 8.88, which is 65% below median its 10-year median of 25.68. LendingTree's overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For LendingTree (TREE), the current EV-to-OCF is 8.88 as of Aug. 18, 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 $31.25 is trading 48.7% below its estimated GF Value™ of $60.89.
GuruFocus considers LendingTree to be Possible Value Trap.
Key valuation signals for TREE:
EV-to-OCF: 8.88 (65% below median its 10-year median of 25.68)
GF Value™: $60.89 vs. price of $31.25 (48.7% 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.
71GF Score
Get the complete analysis for TREE
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
TREE has been successfully added to your 
