LendingTreeTREE +4.03%74 OCF Margin % is 3.53% as of Mar. 2026, which is 68% below its 10-year median of 11.15. GuruFocus rates TREE with a GF Score™ of 74/100 and a GF Value™ of $59.26 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 112 Diversified Financial Services companies, LendingTree ranks better than 52.68% on this metric.
The historical rank and industry rank for LendingTree's OCF Margin % or its related term are showing as below:
TREE'
s OCF Margin % Range Over the Past 10 Years
Min: 4.24 Med: 11.15 Max: 15.98
Current: 7.04
During the past 13 years, the highest OCF Margin % of LendingTree was 15.98%. The lowest was 4.24%. And the median was 11.15%.
TREE's OCF Margin % is ranked better than 52.68% of 112
companies
in the Diversified Financial Services industry
Industry Median: 5.555
vs TREE: 7.04
LendingTree OCF Margin % Related Terms
LendingTree OCF Margin % Historical Data
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The historical data trend for LendingTree's OCF Margin % 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 OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, LendingTree's OCF Margin % distribution charts can be found below:
* The bar in red indicates where LendingTree's OCF Margin % 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.
LendingTree (TREE) has a OCF Margin % of 3.53% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on LendingTree and its competitors. This is 68% below median its historical median of 11.15. Over the past decade, LendingTree's OCF Margin % has ranged from 4.24 to 15.98. According to the industry distribution chart, LendingTree ranks #53 out of 112 companies in the Diversified Financial Services industry, placing it in the top 47.3%.
Is LendingTree's OCF Margin % too high?
LendingTree's current OCF Margin % of 3.53% is 68% below median its 10-year median of 11.15. Over the past 10 years, this metric has ranged from a low of 4.24 to a high of 15.98. The Diversified Financial Services industry median OCF Margin % is 5.56. LendingTree's value of 3.53% is 36.5% below this industry median. Based on the distribution chart, LendingTree ranks #53 out of 112 companies in the Diversified Financial Services industry, which is above the industry midpoint. Overall, LendingTree has a GF Score™ of 74/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does LendingTree's OCF Margin % compare to RILY and HTH?
According to the Diversified Financial Services industry distribution chart, LendingTree ranks #53 out of 112 companies for OCF Margin %. This puts LendingTree in the upper half of its industry. The industry median OCF Margin % is 5.56. LendingTree's value of 3.53% is 36.5% below this benchmark. Historically, LendingTree's own OCF Margin % has ranged from 4.24 to 15.98 over the past decade. While the company's 10-year median is 11.15 vs. the industry median of 5.56, 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 OCF Margin % for a Diversified Financial Services company?
The median OCF Margin % among Diversified Financial Services companies is 5.56, based on 112 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. LendingTree's current OCF Margin % of 3.53% is 36.5% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on LendingTree and its competitors. For the Diversified Financial Services industry, the median OCF Margin % is 5.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LendingTree's current OCF Margin % is 3.53%, which is 68% below median its own 10-year median of 11.15. 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 $59.26, compared to a current price of $38.34 — trading 35.3% below its estimated fair value. The current OCF Margin % is 3.53%, which is 68% below median its 10-year median of 11.15 and 36.5% below the Diversified Financial Services industry median of 5.56. LendingTree's overall GF Score™ is 74/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For LendingTree (TREE), the current OCF Margin % is 3.53% 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 $38.34 is trading 35.3% below its estimated GF Value™ of $59.26.
GuruFocus considers LendingTree to be Possible Value Trap.
Key valuation signals for TREE:
OCF Margin %: 3.53% (68% below median its 10-year median of 11.15)
GF Value™: $59.26 vs. price of $38.34 (35.3% below fair value)
Industry Position: 36.5% below the Diversified Financial Services median (#53 of 112)
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.
74GF Score
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