WallStSmart

Lendingtree Inc (TREE)vsVoya Financial Inc (VOYA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Voya Financial Inc generates 585% more annual revenue ($8.25B vs $1.20B). TREE leads profitability with a 15.0% profit margin vs 8.2%. VOYA appears more attractively valued with a PEG of 1.19. TREE earns a higher WallStSmart Score of 76/100 (B+).

TREE

Strong Buy

76

out of 100

Grade: B+

Growth: 8.0Profit: 8.0Value: 5.7Quality: 4.5
Piotroski: 4/9Altman Z: 0.88

VOYA

Buy

64

out of 100

Grade: C+

Growth: 6.0Profit: 5.5Value: 6.3Quality: 6.8
Piotroski: 4/9

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TREE5 strengths · Avg: 9.6/10
P/E RatioValuation
2.8x10/10

Attractively priced relative to earnings

Return on EquityProfitability
59.4%10/10

Every $100 of equity generates 59 in profit

Revenue GrowthGrowth
36.5%10/10

Revenue surging 36.5% year-over-year

EPS GrowthGrowth
1747.0%10/10

Earnings expanding 1747.0% YoY

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

VOYA3 strengths · Avg: 8.0/10
P/E RatioValuation
13.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

EPS GrowthGrowth
23.2%8/10

Earnings expanding 23.2% YoY

Areas to Watch

TREE4 concerns · Avg: 2.5/10
Market CapQuality
$491.84M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.443/10

Elevated debt levels

PEG RatioValuation
3.552/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.882/10

Distress zone — elevated risk

VOYA2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
3.1%4/10

3.1% revenue growth

Free Cash FlowQuality
$-36.00M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : TREE

The strongest argument for TREE centers on P/E Ratio, Return on Equity, Revenue Growth. Revenue growth of 36.5% demonstrates continued momentum.

Bull Case : VOYA

The strongest argument for VOYA centers on P/E Ratio, Price/Book, EPS Growth. PEG of 1.19 suggests the stock is reasonably priced for its growth.

Bear Case : TREE

The primary concerns for TREE are Market Cap, Debt/Equity, PEG Ratio.

Bear Case : VOYA

The primary concerns for VOYA are Revenue Growth, Free Cash Flow.

Key Dynamics to Monitor

TREE profiles as a growth stock while VOYA is a value play — different risk/reward profiles.

TREE carries more volatility with a beta of 2.05 — expect wider price swings.

TREE is growing revenue faster at 36.5% — sustainability is the question.

TREE generates stronger free cash flow (9M), providing more financial flexibility.

Bottom Line

TREE scores higher overall (76/100 vs 64/100) and 36.5% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Lendingtree Inc

FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA

LendingTree, Inc., through its subsidiary, LT Intermediate Company, LLC, operates an online consumer platform in the United States. The company is headquartered in Charlotte, North Carolina.

Voya Financial Inc

FINANCIAL SERVICES · FINANCIAL CONGLOMERATES · USA

Voya Financial, Inc. is a retirement, investment and employee benefits company in the United States. The company is headquartered in New York, New York.

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