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LendingTree, Inc.
CIK 0001434621 · EDGAR ↗
cleanelevatedtriggeredno dataplanned
82.7
composite · 4 signals · ELEVATED

Every card below shows the score and the exact filing data it was computed from — no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded — never a guess.

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Signals

P-01 · FY 2025-12-31 · ELEVATED52.5

Earnings quality

Beneish M-Score -1.83 in the elevated zone
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2026-03-09) ↗
Evidence — inputs and thresholds
{
  "m_score": -1.831,
  "threshold": -1.78,
  "ratios": {
    "DSRI": 0.911,
    "GMI": 0.998,
    "AQI": 1.094,
    "SGI": 1.241,
    "DEPI": 0.897,
    "SGAI": 1,
    "LVGI": 0.806,
    "TATA": 0.091
  },
  "defaulted_to_neutral": [
    "SGAI"
  ],
  "sloan_accruals": 0.0963,
  "inputs": {
    "revenue_t": 1117324000,
    "revenue_t1": 900219000,
    "total_assets_t": 855692000,
    "net_income_t": 151308000,
    "cfo_t": 73103000
  },
  "stale": false,
  "latest_filing_period": "2025-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1434621/000162828026016084/0001628280-26-016084-index.htm",
    "form": "10-K",
    "filed": "2026-03-09"
  }
}
P-05 · FY 2025-12-31 · ELEVATED100.0

Tax arbitrage

ETR -619.7% vs 21% statutory — gap persistent across 1 of 1 years
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2026-03-09) ↗
Evidence — inputs and thresholds
{
  "etr_by_year": {
    "2025-12-31": -6.1969
  },
  "statutory_rate": 0.21,
  "gap_by_year": {
    "2025-12-31": 6.4069
  },
  "note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
  "stale": false,
  "latest_filing_period": "2025-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1434621/000162828026016084/0001628280-26-016084-index.htm",
    "form": "10-K",
    "filed": "2026-03-09"
  }
}
P-13 · FY 2022-12-31 · ELEVATED86.5

Zombie / distress

[FY2022 data, stale — no more recent EBIT figure in XBRL] Interest coverage -1.26x below 1.0
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2025-03-07) ↗
Evidence — inputs and thresholds
{
  "icr_by_year": {
    "2025-12-31": null,
    "2024-12-31": null,
    "2023-12-31": null,
    "2022-12-31": -1.259
  },
  "consecutive_years_below_1": 1,
  "altman_z_double_prime": -0.095,
  "definitions": {
    "zombie": "ICR<1 for 3+ consecutive FYs (BIS 2018)",
    "z_distress": "<1.1 distress, 1.1-2.6 gray, >2.6 safe"
  },
  "inputs": {
    "ebit_t": -32762000,
    "interest_expense_t": 26014000
  },
  "stale": true,
  "latest_filing_period": "2025-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1434621/000143462125000006/0001434621-25-000006-index.htm",
    "form": "10-K",
    "filed": "2025-03-07"
  }
}
P-12 · FY 2025-12-31 · CLEAN17.6

Restatement predictor

F-Score 0.53 — at or below the population base rate
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2026-03-09) ↗
Evidence — inputs and thresholds
{
  "f_score": 0.527,
  "probability": 0.00195,
  "components": {
    "rsst": 0.0963,
    "drec": 0.0158,
    "dinv": null,
    "soft": 0.8669,
    "dcs": 0.227,
    "droa": 0.2312,
    "issue": 0
  },
  "model": "Dechow et al. 2011, Model 1 (simplified RSST)",
  "thresholds": {
    "elevated": 1,
    "triggered": 1.85
  },
  "stale": false,
  "latest_filing_period": "2025-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1434621/000162828026016084/0001628280-26-016084-index.htm",
    "form": "10-K",
    "filed": "2026-03-09"
  }
}