Is TREE or VOYA more undervalued in 2026?

CirclFi compares LendingTree, Inc. (TREE) and Voya Financial, Inc. (VOYA) using 13 institutional-grade valuation models. TREE has a Quality of Company score of 8.5/10 while VOYA scores 7.4/10.

Which is a better buy — TREE or VOYA?

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 TREE and VOYA valuations compare?

TREE at $38.45 and VOYA at $80.08 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

TREE vs VOYA Valuation Comparison 2026 — Intrinsic Value Analysis

TREE

Financial Conglomerates

LendingTree, Inc.

Quality

8.5

out of 10

Value Trap

SAFE

Price

$38.45

Last close

Models

11/13

Active

VOYA

Financial Conglomerates

Voya Financial, Inc.

Quality

7.4

out of 10

Value Trap

SAFE

Price

$80.08

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	TREE Fair Value	TREE Upside	VOYA Fair Value	VOYA Upside
Bayesian DCF	Intrinsic	$13.54	-64.8%	$130.04	+62.4%
Earnings Power Value	Intrinsic	$51.87	+34.9%	$57.81	-27.8%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
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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TREE vs VOYA — Which Stock Is More Undervalued?

TREE scores higher with a 8.5/10 quality rating vs VOYA's 7.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing LendingTree, Inc. (TREE) and Voya Financial, Inc. (VOYA) 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.

TREE currently trades at $38.45 with a QOC of 8.5/10, while VOYA trades at $80.08 with a QOC of 7.4/10.

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).