TREE (LendingTree) Moat Score: 4/10 (As of Jun. 30, 2026)


TREE LendingTree Inc TREE
78 GF Score
Price $43.32
GF Value $59.30
Valuation Modestly Undervalued
! 4 Warning Signs
View Full Analysis

What is LendingTree Moat Score?

LendingTree TREE +1.31% 78 Moat Score is 4 as of Jun. 30, 2026. GuruFocus rates TREE with a GF Score™ of 78/100 and a GF Value™ of $59.30 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 594 Diversified Financial Services companies, LendingTree ranks better than 98.82% on this metric.

LendingTree has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

LendingTree has Narrow Moat: LendingTree has a modest moat due to its strong brand recognition and network effects in the online lending marketplace. However, the industry is competitive with low switching costs for consumers, limiting its pricing power and market share sustainability.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes LendingTree might have Narrow Moat - Discernible but modest moat.

LendingTree  (NAS:TREE) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

LendingTree Moat Score Related Terms

TREE vs TMS, RILY, HTH: Moat Score Comparison

For the Financial Conglomerates subindustry, LendingTree's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, LendingTree's Moat Score distribution charts can be found below:

* The bar in red indicates where LendingTree's Moat Score falls into.


TREE
78GF Score
LendingTree Inc TREE
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
LendingTree (TREE) has a Moat Score of 4 as of Jun. 30, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, LendingTree ranks #7 out of 594 companies in the Diversified Financial Services industry, placing it in the top 1.2%.
Is LendingTree's Moat Score too high?
LendingTree's current Moat Score is 4. Based on the distribution chart, LendingTree ranks #7 out of 594 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, LendingTree has a GF Score™ of 78/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LendingTree's Moat Score compare to TMS and RILY?
According to the Diversified Financial Services industry distribution chart, LendingTree ranks #7 out of 594 companies for Moat Score. This places LendingTree in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Diversified Financial Services company?
A good Moat Score depends on the Diversified Financial Services industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. LendingTree's current Moat Score is 4. 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 $59.30, compared to a current price of $43.32 — trading 26.9% below its estimated fair value. The current Moat Score is 4. LendingTree's overall GF Score™ is 78/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For LendingTree (TREE), the current Moat Score is 4 as of Jun. 30, 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 $43.32 is trading 26.9% below its estimated GF Value™ of $59.30. GuruFocus considers LendingTree to be Modestly Undervalued.

Key valuation signals for TREE:

  • Moat Score: 4
  • GF Value™: $59.30 vs. price of $43.32 (26.9% below fair value)
  • GF Score™: 78/100 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.
78GF Score

Get the complete analysis for TREE

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.32
Price
$59.30
GF Value