NASDAQ · Financial - Credit Services

TREE (TREE) Stock

$27.39 -2.32% NASDAQ: TREE Financial Services

Valuation

MetricValue
Price$27.39
Market Cap$382.17M
P/E Ratio2.88
P/B Ratio1.71
P/S Ratio0.43
EPS (TTM)$12.90
52-Week High$77.35
52-Week Low$27.09
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE88.60%
ROA8.02%
ROCE28.57%
Gross Margin96.32%
Operating Margin8.62%
Net Margin15.02%
Debt/Equity1.44
Current Ratio1.76

Annual Financials (USD)

Metric20212022202320242025
Revenue$1.1B$985.0M$673.0M$900.0M$1.1B
Operating Profit$8.0M$-33.0M$-41.0M$45.0M$82.0M
Net Profit$69.0M$-188.0M$-122.0M$-42.0M$151.0M
EPS$5.05$-14.69$-9.46$-3.14$10.78
Op Margin0.7%-3.3%-6.0%5.0%7.3%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.3B$1.2B$803.0M$768.0M$856.0M
Total Liabilities$851.0M$991.0M$679.0M$659.0M$569.0M
Cash$251.0M$299.0M$112.0M$107.0M$81.0M
Borrowings$749.0M$913.0M$611.0M$544.0M$440.0M

Latest News

Pagaya Technologies (PGY) Stock Still Looks Cheap Despite Fresh AI Credit Expansion News Simply Wall St. · Jul 10, 2026 Had it with credit card rates? Here's a hack for lowering them USA TODAY · Jul 9, 2026 Discount grocery giant shuts 100 stores, completely exits 3 states TheStreet · Jul 7, 2026 Average new car payment reaches all-time high as affordability issues persist Fox Business · Jul 7, 2026 PGY vs. TREE: Which AI-Powered Lending Play Deserves Your Investment? Zacks · Jul 6, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$125.0M$43.0M$68.0M$62.0M$73.0M
Investing Cash Flow$-22.0M$-39.0M$-25.0M$-22.0M$-22.0M
Financing Cash Flow$-54.0M$-47.0M$-3.0M$-10.0M$-12.0M
Net Cash Flow$81.0M$48.0M$-187.0M$-5.0M$-26.0M
Free Cash Flow$90.0M$32.0M$55.0M$51.0M$61.0M

Valuation & Return Ratios

MetricValue
PEG Ratio3.55
EV / EBITDA7.53
FCF Yield14.06%
Quick Ratio1.89
Interest Coverage1.74
Return 1Y-3.90%
Return 3Y43.72%
Return 5Y-75.75%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ABTC $7.73 -4.27% -2.83 $563.33M 0.00%
ASIC $26.39 +0.44% 10.81 $1.27B 0.00%
ATLC $88.43 -2.25% 11.73 $1.34B 0.00%
BBDC $9.37 -0.79% 9.92 $980.58M 13.51%
BHF $53.21 +0.35% 10.79 $3.06B 0.00%

About TREE

TREE is led by CEO Scott Peyree, employs 927 people, headquartered in US, publicly traded since 2008.

TREE stock trades at $27.39 with a market capitalization of $382.17M. The stock is valued at a price-to-earnings (P/E) ratio of 2.88, price-to-book of 1.71, price-to-sales of 0.43. Over the past 52 weeks the stock has ranged between $27.09 and $77.35, and currently trades 64.6% below its 52-week high.

On profitability, TREE generates a return on equity (ROE) of 88.60% — well above the market average, a sign of a high-quality business, return on capital employed of 28.57%, an operating margin of 8.62%, a net profit margin of 15.02%.

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