HomesToLife Ltd (HTLM) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 14, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 20-F/A for FY2025, filed Jun 11, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the HTLM SEC filings page.
HomesToLife Ltd (HTLM) reported $377.9M in revenue for fiscal year 2025, up 12.8% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 4 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
HomesToLife is scaling with improving margins, but its cash remains tied to receivables and creditor financing.
Gross margin improved by roughly three points while operating margin nearly doubled, indicating that better gross economics and overhead absorption both contributed to the earnings step-up. Cash conversion also recovered: operating cash flow reached$13.5M and free cash flow$12.3M , reversing the prior year's almost nonexistent free cash flow.
The balance sheet remains liability-funded: total liabilities were
Cash generation improved even as working capital absorbed resources: receivables reached
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of HomesToLife Ltd's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
HomesToLife Ltd has an operating margin of 5.1%, meaning the company retains $5 of operating profit per $100 of revenue. This results in a moderate score of 48/100, indicating healthy but not exceptional operating efficiency. This is up from 2.8% the prior year.
HomesToLife Ltd's revenue grew 12.8% year-over-year to $377.9M, a solid pace of expansion. This earns a growth score of 71/100.
HomesToLife Ltd has elevated debt relative to equity (D/E of 4.00), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 15/100, reflecting increased financial risk.
HomesToLife Ltd's current ratio of 1.19 is below the typical benchmark, resulting in a score of 28/100. This tight liquidity could limit financial flexibility if cash inflows slow.
HomesToLife Ltd has a free cash flow margin of 3.3%, earning a moderate score of 33/100. The company generates positive cash flow after capital investments, but with room for improvement.
HomesToLife Ltd earns a strong 59.5% return on equity (ROE), meaning it generates $59 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 80/100. This is down from 78.6% the prior year.
HomesToLife Ltd scores 4.22, well above the 2.99 safe threshold. This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
HomesToLife Ltd passes 5 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
For every $1 of reported earnings, HomesToLife Ltd generates $0.81 in operating cash flow ($13.5M OCF vs $16.6M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
HomesToLife Ltd earns $13.77 in operating income for every $1 of interest expense ($19.4M vs $1.4M). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.
Key Financial Metrics
Earnings & Revenue
None of these metrics is reported for Q4 2025.
Cash & Balance Sheet
HomesToLife Ltd held $27.3M in cash as of Q4 2025; long-term debt is not reported for that period.
Not reported for Q4 2025.
Not reported for Q4 2025.
Margins & Returns
None of these metrics is reported for Q4 2025.
Capital Allocation
None of these metrics is reported for Q4 2025.
HTLM Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA, Interest Expense, Income Tax, Net Income, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).
HTLM Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q4'2520-F/A | Q2'256-K | Q4'2420-F/A | Q2'2410-Q | Q4'2310-K |
|---|---|---|---|---|---|
| Total Assets | $139.2M+17.2% | $127.1M+1595.8% | $118.8M+1568.9% | $7.5M | $7.1M |
| Current Assets | $125.8M+16.7% | $114.5M+3381.0% | $107.8M+2750.7% | $3.3M | $3.8M |
| Cash & Equivalents | $27.3M+9.7% | $20.1M+3587.6% | $24.9M+1719.6% | $544K | $1.4M |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 |
| Inventory | $9.6M+19.5% | $10.6M+1199.2% | $8.0M+1090.8% | $817K | $675K |
| Accounts Receivable | $76.0M+13.6% | $71.7M+40744.4% | $66.9M+58922.5% | $175K | $113K |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $111.3M+3.0% | $105.0M+1294.0% | $108.1M+2259.4% | -$8.8M | -$5.0M |
| Current Liabilities | $105.4M+2.4% | $99.3M+2809.6% | $102.9M+3024.3% | $3.4M | $3.3M |
| Non-Current Liabilities | $6.0M+15.7% | $5.6M+88.4% | $5.1M+131.4% | $3.0M | $2.2M |
| Total Equity | $27.8M+159.9% | $22.1M+35.8% | $10.7M-11.6% | $16.3M | $12.1M |
| Retained Earnings | $2.8M+120.0% | -$3.8M+84.3% | -$13.8M+41.8% | -$24.0M | -$23.7M |
Not reported in any period shown, so not listed: Goodwill, Long-Term Debt.
HTLM Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
Not reported in any period shown, so not listed: Operating Cash Flow, Depreciation & Amortization, Stock-Based Compensation, Capital Expenditures, Free Cash Flow, Investing Cash Flow, Financing Cash Flow, Dividends Paid, Share Buybacks.
HTLM Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Return on Equity, Return on Assets, Asset Turnover, FCF Margin.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| HomesToLife Ltd HTLM | FY2025 | $377.9M | $16.6M | 4.4% | $157.0M | 46/100 |
| 1-800-FLOWERS.COM Inc FLWS | FY2026 | $1.5B | -$134.8M | -9.0% | $166.2M | 23/100 |
| Betterware de Mexico, S.A.P.I. de C.V. BWMX | FY2022 | N/A | $872.6M | N/A | $608.6M | — |
| MarineMax, Inc. HZO | FY2025 | $2.3B | -$31.6M | -1.4% | $1.2B | 33/100 |
| The ODP Corporation ODP | FY2024 | $7.0B | -$3.0M | 0.0% | $843.3M | 41/100 |
| ARKO Corp. ARKO | FY2025 | $7.6B | $22.7M | 0.3% | $460.0M | 36/100 |
Where HomesToLife Ltd Ranks
Frequently Asked Questions
What is HomesToLife Ltd's annual revenue?
HomesToLife Ltd (HTLM) reported $377.9M in total revenue for fiscal year 2025. This represents a 12.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is HomesToLife Ltd's revenue growing?
HomesToLife Ltd (HTLM) revenue grew by 12.8% year-over-year, from $335.1M to $377.9M in fiscal year 2025.
Is HomesToLife Ltd profitable?
Yes, HomesToLife Ltd (HTLM) reported a net income of $16.6M in fiscal year 2025, with a net profit margin of 4.4%.
What is HomesToLife Ltd's EBITDA?
HomesToLife Ltd (HTLM) had EBITDA of $19.9M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is HomesToLife Ltd's gross margin?
HomesToLife Ltd (HTLM) had a gross margin of 27.9% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is HomesToLife Ltd's operating margin?
HomesToLife Ltd (HTLM) had an operating margin of 5.1% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is HomesToLife Ltd's net profit margin?
HomesToLife Ltd (HTLM) had a net profit margin of 4.4% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is HomesToLife Ltd's return on equity (ROE)?
HomesToLife Ltd (HTLM) has a return on equity of 59.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is HomesToLife Ltd's free cash flow?
HomesToLife Ltd (HTLM) generated $12.3M in free cash flow during fiscal year 2025. This represents a 9524.3% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is HomesToLife Ltd's operating cash flow?
HomesToLife Ltd (HTLM) generated $13.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are HomesToLife Ltd's total assets?
HomesToLife Ltd (HTLM) had $139.2M in total assets as of fiscal year 2025, including both current and long-term assets.
What are HomesToLife Ltd's capital expenditures?
HomesToLife Ltd (HTLM) invested $1.1M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is HomesToLife Ltd's current ratio?
HomesToLife Ltd (HTLM) had a current ratio of 1.19 as of fiscal year 2025, which is considered adequate.
What is HomesToLife Ltd's debt-to-equity ratio?
HomesToLife Ltd (HTLM) had a debt-to-equity ratio of 4.00 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is HomesToLife Ltd's return on assets (ROA)?
HomesToLife Ltd (HTLM) had a return on assets of 11.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is HomesToLife Ltd's P/E ratio?
HomesToLife Ltd (HTLM) trades at 9.5x earnings, its market capitalization divided by net income of $16.6M net income, FY2025. The market capitalization is $157.0M as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is HomesToLife Ltd's price-to-sales ratio?
HomesToLife Ltd (HTLM) trades at 0.4x sales, its market capitalization divided by revenue of $377.9M revenue, FY2025. The market capitalization is $157.0M as of Oct 14, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is HomesToLife Ltd's Altman Z-Score?
HomesToLife Ltd (HTLM) has an Altman Z-Score of 4.22, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is HomesToLife Ltd's Piotroski F-Score?
HomesToLife Ltd (HTLM) has a Piotroski F-Score of 5 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are HomesToLife Ltd's earnings high quality?
HomesToLife Ltd (HTLM) has an earnings quality ratio of 0.81x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can HomesToLife Ltd cover its interest payments?
HomesToLife Ltd (HTLM) has an interest coverage ratio of 13.77x, meaning it can comfortably cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is HomesToLife Ltd?
HomesToLife Ltd (HTLM) scores 46 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.