Pause and consider this before making any purchases on Black Friday.
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 26 2025
0mins
Should l Buy TREE?
Source: MarketWatch
Financial Strategy for the Holidays: Experts suggest that Americans should consider investing in their finances before holiday shopping, rather than accumulating credit card debt.
Pay Yourself First Approach: The "pay yourself first" budgeting strategy encourages individuals to save or invest money before determining their spending limits for holiday purchases.
Self-Gifting Trends: A survey by KPMG reveals that 57% of people plan to shop for themselves this holiday season, with an average spending of $379.
Reframing Self-Gifting: The article encourages readers to rethink the concept of self-gifting by prioritizing financial health over impulsive shopping.
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Analyst Views on TREE
Wall Street analysts forecast TREE stock price to rise
6 Analyst Rating
6 Buy
0 Hold
0 Sell
Strong Buy
Current: 38.520
Low
72.00
Averages
81.33
High
85.00
Current: 38.520
Low
72.00
Averages
81.33
High
85.00
About TREE
LendingTree, Inc. operates LendingTree.com, an online financial services marketplace. The Company provides customers with access to offers on loans, credit cards, insurance and more through its network of approximately 430 financial partners. Its segments include Home, Consumer, and Insurance. The Home segment includes products, such as purchase mortgage, refinance mortgage, and home equity loans and lines of credit. Its Consumer segment includes products, such as credit cards, personal loans, small business loans, auto loans, deposit accounts, and other credit products such as debt settlement. The Insurance segment consists of insurance quote products and insurance policies in its agency businesses. It helps customers obtain financing, save money, and improve their financial and credit health in their personal journeys. With a portfolio of products and tools and personalized financial recommendations, the Company helps customers achieve everyday financial wins.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Housing Bill Promotes Supply and Affordability
- Legislative Push for Housing Supply: The House of Representatives passed the Housing for the 21st Century Act, aimed at modernizing federal housing policy to increase supply and address long-standing structural challenges in the market, thereby providing consumers with more safe and affordable housing options.
- Policy Innovation and Competition: LendingTree CEO Scott Peyree emphasized that the Act promotes innovation and competition in the housing market by encouraging supply growth and reducing unnecessary regulatory barriers, helping consumers make informed financial decisions in an increasingly challenging housing market.
- Economic Stability and Mobility: LendingTree believes that access to affordable housing is foundational to financial stability and mobility, and the passage of the Act will assist more families in achieving sustainable homeownership or securing affordable rental housing, enhancing overall financial health.
- Consumer-Centric Policies: As Congress considers this legislation, Peyree stressed the importance of keeping consumers at the center of the conversation, ensuring that policies effectively expand housing supply and modernize outdated frameworks to help more Americans achieve greater housing security.
See More
LendingTree (TREE) to Release Q4 2025 Earnings on March 2, 2026
- Earnings Release Schedule: LendingTree will announce its fiscal Q4 2025 results after market close on March 2, 2026, aiming to provide investors with the latest financial performance insights and enhance market transparency.
- Shareholder Letter Publication: The company will post a letter to shareholders on its website, further elaborating on financial results and future outlook, helping investors better understand the company's strategic direction.
- Conference Call Arrangement: LendingTree will hold an earnings conference call at 5:00 p.m. ET to discuss the financial results and answer investor questions, enhancing interaction and communication with shareholders.
- Webcast Replay Availability: The conference call will be webcast live on the company's website, with a replay available afterward, ensuring that investors who cannot participate in real-time can access key information.
See More
LendingTree (TREE) to Release Q4 2025 Earnings on March 2, 2026
- Earnings Release Schedule: LendingTree will announce its fiscal Q4 2025 results after market close on March 2, 2026, providing investors with insights into its latest financial performance and market trends.
- Shareholder Letter Publication: The company will post a letter to shareholders on its website, elaborating on financial results and future outlook, thereby enhancing transparency and boosting investor confidence.
- Conference Call Details: LendingTree will hold an earnings conference call at 5:00 p.m. ET to discuss the earnings release, ensuring that investors receive timely access to key information.
- Webcast Replay Availability: The conference call will be webcast live on the company's website, with a replay available afterward, allowing investors who cannot attend live to access the relevant information.
See More
The Impact of a Rate Cap on Credit Card Rewards
Trump's Proposal: President Donald Trump proposed capping credit-card interest rates at 10%, which negatively impacted the stocks of card issuers.
Legislative Challenges: Experts believe that Congress would need to pass legislation for the proposal to be enacted, a process that has faced difficulties in the past.
Market Reaction: The announcement led to a decline in the stock prices of credit card companies, indicating investor concern over the potential impact of the proposal.
Expert Insight: Matt Schulz from LendingTree suggests that the current political climate may make this proposal feel different from previous attempts that lacked traction.
See More
Americans' Debt Payment Anxiety Peaks, Especially Among Seniors
- Rising Debt Payment Anxiety: The New York Fed's survey indicates that over 60% of American adults expect to miss minimum debt payments in the coming months, with the highest concerns among those over 60, without college degrees, and earning below $50,000, highlighting increased economic pressure post-pandemic.
- Significant Credit Score Impact: Research from LendingTree shows that a single missed payment can lead to an average credit score drop of 80 points, with an average score of 553 for those missing payments, resulting in higher borrowing costs and lower credit limits, thus affecting overall borrowing capacity.
- Increasing Economic Uncertainty: Amid a softening labor market, a growing share of adults express anxiety about their current jobs and future credit access, reflecting an uneven economic recovery and fragile consumer confidence.
- Proactive Communication Recommended: Experts advise borrowers at risk of missing payments to proactively contact lenders for assistance, potentially pausing payments or lowering interest rates to avoid credit score damage and alleviate financial pressure.
See More
Trump's Interest Rate Cap May Impact Credit Card Rewards
Trump's Proposal: President Donald Trump has proposed capping credit card interest rates at 10%.
Impact on Rewards: This cap is expected to lead to a reduction in rewards for consumers, particularly those with lower credit scores.
See More
Housing Bill Promotes Supply and Affordability
- Legislative Push for Housing Supply: The House of Representatives passed the Housing for the 21st Century Act, aimed at modernizing federal housing policy to increase supply and address long-standing structural challenges in the market, thereby providing consumers with more safe and affordable housing options.
- Policy Innovation and Competition: LendingTree CEO Scott Peyree emphasized that the Act promotes innovation and competition in the housing market by encouraging supply growth and reducing unnecessary regulatory barriers, helping consumers make informed financial decisions in an increasingly challenging housing market.
- Economic Stability and Mobility: LendingTree believes that access to affordable housing is foundational to financial stability and mobility, and the passage of the Act will assist more families in achieving sustainable homeownership or securing affordable rental housing, enhancing overall financial health.
- Consumer-Centric Policies: As Congress considers this legislation, Peyree stressed the importance of keeping consumers at the center of the conversation, ensuring that policies effectively expand housing supply and modernize outdated frameworks to help more Americans achieve greater housing security.
See More
LendingTree (TREE) to Release Q4 2025 Earnings on March 2, 2026
- Earnings Release Schedule: LendingTree will announce its fiscal Q4 2025 results after market close on March 2, 2026, aiming to provide investors with the latest financial performance insights and enhance market transparency.
- Shareholder Letter Publication: The company will post a letter to shareholders on its website, further elaborating on financial results and future outlook, helping investors better understand the company's strategic direction.
- Conference Call Arrangement: LendingTree will hold an earnings conference call at 5:00 p.m. ET to discuss the financial results and answer investor questions, enhancing interaction and communication with shareholders.
- Webcast Replay Availability: The conference call will be webcast live on the company's website, with a replay available afterward, ensuring that investors who cannot participate in real-time can access key information.
See More
LendingTree (TREE) to Release Q4 2025 Earnings on March 2, 2026
- Earnings Release Schedule: LendingTree will announce its fiscal Q4 2025 results after market close on March 2, 2026, providing investors with insights into its latest financial performance and market trends.
- Shareholder Letter Publication: The company will post a letter to shareholders on its website, elaborating on financial results and future outlook, thereby enhancing transparency and boosting investor confidence.
- Conference Call Details: LendingTree will hold an earnings conference call at 5:00 p.m. ET to discuss the earnings release, ensuring that investors receive timely access to key information.
- Webcast Replay Availability: The conference call will be webcast live on the company's website, with a replay available afterward, allowing investors who cannot attend live to access the relevant information.
See More
The Impact of a Rate Cap on Credit Card Rewards
Trump's Proposal: President Donald Trump proposed capping credit-card interest rates at 10%, which negatively impacted the stocks of card issuers.
Legislative Challenges: Experts believe that Congress would need to pass legislation for the proposal to be enacted, a process that has faced difficulties in the past.
Market Reaction: The announcement led to a decline in the stock prices of credit card companies, indicating investor concern over the potential impact of the proposal.
Expert Insight: Matt Schulz from LendingTree suggests that the current political climate may make this proposal feel different from previous attempts that lacked traction.
See More
Americans' Debt Payment Anxiety Peaks, Especially Among Seniors
- Rising Debt Payment Anxiety: The New York Fed's survey indicates that over 60% of American adults expect to miss minimum debt payments in the coming months, with the highest concerns among those over 60, without college degrees, and earning below $50,000, highlighting increased economic pressure post-pandemic.
- Significant Credit Score Impact: Research from LendingTree shows that a single missed payment can lead to an average credit score drop of 80 points, with an average score of 553 for those missing payments, resulting in higher borrowing costs and lower credit limits, thus affecting overall borrowing capacity.
- Increasing Economic Uncertainty: Amid a softening labor market, a growing share of adults express anxiety about their current jobs and future credit access, reflecting an uneven economic recovery and fragile consumer confidence.
- Proactive Communication Recommended: Experts advise borrowers at risk of missing payments to proactively contact lenders for assistance, potentially pausing payments or lowering interest rates to avoid credit score damage and alleviate financial pressure.
See More
Trump's Interest Rate Cap May Impact Credit Card Rewards
Trump's Proposal: President Donald Trump has proposed capping credit card interest rates at 10%.
Impact on Rewards: This cap is expected to lead to a reduction in rewards for consumers, particularly those with lower credit scores.
See More
