Is HTH or TREE more undervalued in 2026?

CirclFi compares Hilltop Holdings Inc. (HTH) and LendingTree, Inc. (TREE) using 13 institutional-grade valuation models. HTH has a Quality of Company score of 7.1/10 while TREE scores 8.5/10.

Which is a better buy — HTH or TREE?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do HTH and TREE valuations compare?

HTH at $37.65 and TREE at $38.45 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

HTH vs TREE Valuation Comparison 2026 — Intrinsic Value Analysis

HTH

Financial Conglomerates

Hilltop Holdings Inc.

Quality

7.1

out of 10

Value Trap

SAFE

Price

$37.65

Last close

Models

10/13

Active

TREE

Financial Conglomerates

LendingTree, Inc.

Quality

8.5

out of 10

Value Trap

SAFE

Price

$38.45

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	HTH Fair Value	HTH Upside	TREE Fair Value	TREE Upside
Bayesian DCF	Intrinsic	$131.86	+250.2%	$13.54	-64.8%
Earnings Power Value	Intrinsic	$17.66	-53.1%	$51.87	+34.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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HTH vs TREE — Which Stock Is More Undervalued?

TREE scores higher with a 8.5/10 quality rating vs HTH's 7.1/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Hilltop Holdings Inc. (HTH) and LendingTree, Inc. (TREE) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

HTH currently trades at $37.65 with a QOC of 7.1/10, while TREE trades at $38.45 with a QOC of 8.5/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).