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LendingTree cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$32.8M in Q3 2026 · $81.1M over twelve months

Operating cash flow$35.7M
Capital spending−$2.9M
Free cash flow+$32.8M
Cash conversion cycle-418 days

Analysis

In Q3 2026, LendingTree generated $35.7M of operating cash flow and spent $2.9M on capital projects, leaving free cash flow of $32.8M. That is $7.2M more than in Q3 2025 ($25.6M).

Over the twelve months to Sep 30, 2026, operating cash flow was $93.0M; the largest uses were net borrowing (+) / repaid (−) ($63.7M), capital spending ($11.9M), other financing ($3.3M); besides operations, cash came from other investing ($52K); the cash balance rose by $14.1M.

Operating cash flow was $35.7M against net income of −$72.4M. The largest differences: impairments +$98.8M, receivables −$15.8M, deferred taxes −$6.2M.

Its cash conversion cycle was -418 days (receivables 42 + inventory 0 − payables 460): suppliers fund its working capital.

Free cash flow

LendingTree: free cash flow by quarterLendingTree: free cash flow by quarter$13.4MQ4 2024−$3.6MQ1 2025$25.2MQ2 2025$25.6MQ3 2025$13.5MQ4 2025$8.8MQ1 2026$26.0MQ2 2026$32.8MQ3 2026
Operating cash flow less capital spending.
LendingTree: operating cash flow against capital spendingLendingTree: operating cash flow against capital spendingOperating cash flowCapital spending$16.2M$2.8MQ4 2024−$210K$3.4MQ1 2025$28.0M$2.7MQ2 2025$28.8M$3.3MQ3 2025$16.5M$3.0MQ4 2025$11.6M$2.8MQ1 2026$29.2M$3.2MQ2 2026$35.7M$2.9MQ3 2026
Latest (Q3 2026): Operating cash flow $35.7M, Capital spending $2.9M.

Capital allocation, year by year

LendingTree: where the cash came from (up) and went (down), by fiscal yearLendingTree: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksFY2021: Operating cash flow $131MFY2021: Shares issued $2.2MFY2021: Capital spending −$35.1MFY2021: Buybacks −$40.0M$133MFY2021FY2022: Operating cash flow $43.0MFY2022: Net borrowing $249MFY2022: Capital spending −$11.4MFY2022: Buybacks −$43.0M$292MFY2022FY2023: Operating cash flow $67.6MFY2023: Net borrowing −$1.9MFY2023: Capital spending −$12.5M$67.6MFY2023FY2024: Operating cash flow $62.3MFY2024: Net borrowing $112MFY2024: Capital spending −$11.2M$175MFY2024FY2025: Operating cash flow $73.1MFY2025: Net borrowing $39.6MFY2025: Asset sales $2.5MFY2025: Capital spending −$12.4M$115MFY2025
Over these 5 years operating cash flow totalled $377M; the largest uses were buybacks ($83.0M) and capital spending ($82.7M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$82.7M
Debt$331M
Net debt$248M
Due within a year$3.9M

LendingTree funds itself: free cash flow was $81.1M over the last twelve months, and $82.7M of cash and investments stands against $331M of debt ($3.9M due within a year, 21.0× covered by cash).

Where the cash came from and went

LendingTree: sources (+) and uses (−) of cash, Q3 2026LendingTree: sources (+) and uses (−) of cash, Q3 2026Net borrowing (+) / repaid (−)−$60.7MOperating cash flow$35.7MCash drawn (+) / kept (−)$28.1MCapital spending−$2.9MOther financing−$146K
LendingTree: sources (+) and uses (−) of cash, TTM to Q3 2026LendingTree: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$93.0MNet borrowing (+) / repaid (−)−$63.7MCash drawn (+) / kept (−)−$14.1MCapital spending−$11.9MOther financing−$3.3MOther investing$52K

From profit to cash

LendingTree: net income to operating cash flow, Q3 2026LendingTree: net income to operating cash flow, Q3 2026Net income−$72.4MDepreciation & amortization$5.4MStock-based pay$4.9MDeferred taxes−$6.2MImpairments$98.8MGains on disposals$3KReceivables−$15.8MPrepaid and other assets−$414KIncome taxes payable$29KOther operating capital$2KOperating cash flow$35.7M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.
QuarterReceivable daysInventory daysPayable daysCash conversion cycle
Q3 202642—460-418
Q2 202639—223-184
Q1 202631—56-25
Q4 202537—234-196
Q3 202541—389-348
Q2 202538—214-175
Q1 202534—65-31
Q4 202439—270-231

Every quarter

QuarterOperating cash flowCapital spendingNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$35.7M−$2.9M−$60.7M$28.1M$32.8M
Q2 2026$29.2M−$3.2M−$1.0M−$25.2M$26.0M
Q1 2026$11.6M−$2.8M−$1.0M−$4.4M$8.8M
Q4 2025$16.5M−$3.0M−$1.0M−$12.5M$13.5M
Q3 2025$28.8M−$3.3M−$2.8M$80.6M$25.6M
Q2 2025$28.0M−$2.7M−$2.8M−$22.7M$25.2M
Q1 2025−$210K−$3.4M$46.2M−$19.8M−$3.6M
Q4 2024$16.2M−$2.8M−$3.8M−$9.8M$13.4M

LendingTree: income statement and cash flow

LendingTree, Q3 2026: revenue $344M (+12% year over year), operating margin -20.5%. The chart follows the revenue to costs, profit and cash.

LendingTree: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.