HomesToLife Ltd Financials
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).
Revenue growth paired with margin expansion is the dominant mechanic, while cash conversion and capitalization improved unevenly.
From FY2024 to FY2025, revenue rose12.8% while gross margin widened, indicating improved economics beyond volume alone. Operating margin expansion from2.8% to5.1% shows that a larger share of sales reached operating profit, although the tables do not isolate whether mix, cost control, or scale drove it.
In FY2024, net income of
The balance sheet remains liability-heavy, with
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 54/100, 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 100/100.
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 58/100. 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 99/100. This is down from 78.6% the prior year.
HomesToLife Ltd scores 4.21, 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
HomesToLife Ltd generated $377.9M in revenue in fiscal year 2025. This represents an increase of 12.8% from the prior year.
HomesToLife Ltd's EBITDA was $19.9M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 104.5% from the prior year.
HomesToLife Ltd reported $16.6M in net income in fiscal year 2025. This represents an increase of 96.6% from the prior year.
Cash & Balance Sheet
HomesToLife Ltd generated $12.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 9524.3% from the prior year.
HomesToLife Ltd held $27.3M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Margins & Returns
HomesToLife Ltd's gross margin was 27.9% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 3.1 percentage points from the prior year.
HomesToLife Ltd's operating margin was 5.1% in fiscal year 2025, reflecting core business profitability. This is up 2.3 percentage points from the prior year.
HomesToLife Ltd's net profit margin was 4.4% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.9 percentage points from the prior year.
HomesToLife Ltd's ROE was 59.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 19.1 percentage points from the prior year.
Capital Allocation
HomesToLife Ltd invested $1.1M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 120.5% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 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.
| Metric | Q4'25 | Q2'25 | Q4'24 | Q2'24 | Q4'23 |
|---|
Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, Interest Expense, Income Tax, Net Income, EPS (Diluted).
HTLM Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q4'25 | Q2'25 | Q4'24 | Q2'24 | Q4'23 |
|---|---|---|---|---|---|
| Total Assets | $139.2M+9.5% | $127.1M+7.0% | $118.8M+1485.3% | $7.5M+5.3% | $7.1M |
| Current Assets | $125.8M+9.8% | $114.5M+6.3% | $107.8M+3176.3% | $3.3M-13.0% | $3.8M |
| Cash & Equivalents | $27.3M+35.9% | $20.1M-19.3% | $24.9M+4467.5% | $544K-60.2% | $1.4M |
| Inventory | $9.6M-9.6% | $10.6M+32.1% | $8.0M+883.2% | $817K+21.1% | $675K |
| Accounts Receivable | $76.0M+6.1% | $71.7M+7.1% | $66.9M+38042.7% | $175K+54.7% | $113K |
| Total Liabilities | $111.3M+6.1% | $105.0M-2.9% | $108.1M+1329.5% | -$8.8M-75.6% | -$5.0M |
| Current Liabilities | $105.4M+6.1% | $99.3M-3.5% | $102.9M+2914.9% | $3.4M+3.6% | $3.3M |
| Total Equity | $27.8M+26.0% | $22.1M+106.4% | $10.7M-34.2% | $16.3M+34.3% | $12.1M |
| Retained Earnings | $2.8M+173.4% | -$3.8M+72.7% | -$13.8M+42.6% | -$24.0M-1.4% | -$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.
| Metric | Q4'25 | Q2'25 | Q4'24 | Q2'24 | Q4'23 |
|---|
Not reported in any period shown, so not listed: Operating Cash Flow, 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.
| Metric | Q4'25 | Q2'25 | Q4'24 | Q2'24 | Q4'23 |
|---|---|---|---|---|---|
| Current Ratio | 1.190.0x | 1.15+0.1x | 1.05+0.1x | 0.96-0.2x | 1.15 |
| Debt-to-Equity | 4.00-0.7x | 4.75-5.3x | 10.09 | N/A | N/A |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Return on Equity, Return on Assets, FCF Margin.
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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 Altman Z-Score?
HomesToLife Ltd (HTLM) has an Altman Z-Score of 4.21, 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 59 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.