LendingTreeTREE +3.83%75 Interest Coverage is 3.74 as of Mar. 2026, which is 21% below its 10-year median of 4.76. GuruFocus rates TREE with a GF Score™ of 75/100 and a GF Value™ of $59.30 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 389 Diversified Financial Services companies, LendingTree ranks worse than 97.69% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. LendingTree's
Operating Income
for the
three
months ended in Mar. 2026 was $32 Mil. LendingTree's Interest Expense for the
three
months ended in Mar. 2026 was $-9 Mil.
LendingTree's interest coverage for the quarter that ended in Mar. 2026 was 3.74.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for LendingTree's Interest Coverage or its related term are showing as below:
TREE'
s Interest Coverage Range Over the Past 10 Years
Min: 1.75 Med: 4.76 Max: 93.34
Current: 2.28
TREE's Interest Coverage is ranked worse than 97.69% of 389
companies
in the Diversified Financial Services industry
Industry Median: No Debt
vs TREE: 2.28
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
LendingTree Interest Coverage Related Terms
LendingTree Interest Coverage Historical Data
* Premium members only.
The historical data trend for LendingTree's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
TREE vs RILY, HTH, FRHC: Interest Coverage Comparison
For the Financial Conglomerates subindustry, LendingTree's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, LendingTree's Interest Coverage distribution charts can be found below:
* The bar in red indicates where LendingTree's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 3.74 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on LendingTree and its competitors. This is 21% below median its historical median of 4.76. Over the past decade, LendingTree's Interest Coverage has ranged from 1.75 to 93.34. According to the industry distribution chart, LendingTree ranks #380 out of 389 companies in the Diversified Financial Services industry, placing it in the top 97.7%.
Is LendingTree's Interest Coverage too high?
LendingTree's current Interest Coverage of 3.74 is 21% below median its 10-year median of 4.76. Over the past 10 years, this metric has ranged from a low of 1.75 to a high of 93.34. The Diversified Financial Services industry median Interest Coverage is 10,000.00. LendingTree's value of 3.74 is 100% below this industry median. Based on the distribution chart, LendingTree ranks #380 out of 389 companies in the Diversified Financial Services industry, which is in the bottom quartile relative to peers. 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 Interest Coverage compare to RILY and HTH?
According to the Diversified Financial Services industry distribution chart, LendingTree ranks #380 out of 389 companies for Interest Coverage. This places LendingTree in the lower half of its industry. The industry median Interest Coverage is 10,000.00. LendingTree's value of 3.74 is 100% below this benchmark. Historically, LendingTree's own Interest Coverage has ranged from 1.75 to 93.34 over the past decade. While the company's 10-year median is 4.76 vs. the industry median of 10,000.00, 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 Interest Coverage for a Diversified Financial Services company?
The median Interest Coverage among Diversified Financial Services companies is 10,000.00, based on 389 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LendingTree's current Interest Coverage of 3.74 is 100% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on LendingTree and its competitors. For the Diversified Financial Services industry, the median Interest Coverage is 10,000.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LendingTree's current Interest Coverage is 3.74, which is 21% below median its own 10-year median of 4.76. 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 $39.58 — trading 33.3% below its estimated fair value. The current Interest Coverage is 3.74, which is 21% below median its 10-year median of 4.76 and 100% below the Diversified Financial Services industry median of 10,000.00. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For LendingTree (TREE), the current Interest Coverage is 3.74 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 $39.58 is trading 33.3% below its estimated GF Value™ of $59.30.
GuruFocus considers LendingTree to be Possible Value Trap.
Key valuation signals for TREE:
Interest Coverage: 3.74 (21% below median its 10-year median of 4.76)
GF Value™: $59.30 vs. price of $39.58 (33.3% below fair value)
Industry Position: 100% below the Diversified Financial Services median (#380 of 389)
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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