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HTLM · Nasdaq · United States · Retail-Furniture Stores
In shortHomesToLife Ltd is profitable, generates cash and holds more cash than debt, with revenue growing (+12.8% last year).
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 5.1% | 34/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 4.4% | 38/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 85.9% | 100/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 40.4% | 100/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 1.19× | 33/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 0.37× | 90/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | Net cash | 100/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 13.77× | 100/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 2.22 | 29/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 3.3% | 33/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 0.75× | 56/100 |
| Years with positive free cash flow (last 5) | 3 of 4 | 69/100 |
Weight in the score: 20%
| Profitable years (last 5) | 4 of 4 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 3 | 100/100 |
| Revenue growth volatility | 3088.7% | 0/100 |
| Operating margin volatility | 4.2% | 71/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 298.5% | 100/100 |
|---|---|---|
| EPS growth, 3-year average | 44.2% | 100/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
The last 4 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Revenue | 6 | 326 | 335 | 378 |
| Cost of revenue | 2.3 | 240 | 252 | 273 |
| Gross profit | 3.7 | 86 | 83 | 105 |
| Operating income | 0.7 | 17 | 9.5 | 19 |
| Interest expense | – | 0.9 | 1 | 1.4 |
| Pre-tax income | 0.8 | 12 | 11 | 21 |
| Income tax | – | 1.9 | 2.4 | 4.2 |
| Net income | 0.8 | 10 | 8.4 | 17 |
| Diluted EPS | $0.06 | $0.12 | $0.09 | $0.18 |
| Diluted shares (millions) | 13 | 88 | 90 | 90 |
2.22 Grey zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
7/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Dec 31, 2025 · Data updated Jun 11, 2026