LendingTree stock: fair value
TREEThe fair value of LendingTree under our model is $71.05, the price is 50% below.
The fair value is an estimate from our model, not a price target.
Daily figure as of 13 Nov 2026
Valuation signal
Possible value trapIn our model the price counts as cheap below $47.37 and expensive above $142.11 (uncertainty very high, based on the price swings of the past year).
Calculated with a cost of equity of 9.2%. At 10.2% the fair value would be $60.01, at 8.2% it would be $87.17.
Possible value trap: looks cheap, but high risk.
Where the number comes from
From the cash-flow model alone; the profit includes one-off items, so there is no industry value.
Ten-year cash-flow model from smoothed free cash flow and its past growth until it reaches 3.8%. Discounted at 9.2% (government bond yield 3.8% plus beta 1.2 times a risk premium of 4.4%); no analyst estimates were available.
Calculate with your own assumptionsThe calculation step by step
With these figures the cash flow model arrives at $71.05 per share: free cash flow for the next ten years, each year discounted to today at 9.2%, plus the terminal value for the years after. The table explains the calculation; it is not a recommendation.
Calculation as a table
| Year | Free cash flow | Source | Discount factor | Present value (discounted at 9.2%) |
|---|---|---|---|---|
| 2026 | $59.68M | extrapolated at −2.2% | 0.9160 | $54.67M |
| 2027 | $59.43M | extrapolated at −0.4% | 0.8391 | $49.87M |
| 2028 | $59.94M | extrapolated at 0.9% | 0.7687 | $46.07M |
| 2029 | $60.98M | extrapolated at 1.8% | 0.7041 | $42.94M |
| 2030 | $62.43M | extrapolated at 2.4% | 0.6450 | $40.27M |
| 2031 | $64.18M | extrapolated at 2.8% | 0.5909 | $37.92M |
| 2032 | $66.18M | extrapolated at 3.1% | 0.5412 | $35.82M |
| 2033 | $68.39M | extrapolated at 3.3% | 0.4958 | $33.91M |
| 2034 | $70.77M | extrapolated at 3.5% | 0.4542 | $32.14M |
| 2035 | $73.3M | extrapolated at 3.6% | 0.4160 | $30.5M |
| Step | Value |
|---|---|
| Sum of present values (ten years) | $404.1M |
| Terminal value: cash flow 2035 × (1 + 3.8%) / (9.2% − 3.8%) | $1.43B |
| Present value of terminal value (× 0.4160) | $593.47M |
| Equity value (sum plus present value of terminal value) | $997.58M |
| Shares (diluted) | 14.04M |
| Value per share (equity value divided by shares) | $71.05 |
| Fair value (from the cash flow model alone) | $71.05 |
The model uses free cash flow after interest, which belongs to shareholders, discounted at the cost of equity. Net debt is therefore not deducted again.
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 5 Nov 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.