HomesToLife Ltd (HTLM) AI Stock Analysis

• Market Cap: $225.12M
• Dividend Yield: N/A
• Average Volume (3M): 21.49K
• Price to Earnings (P/E): ―
• Beta (1Y): -0.68
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 34
• Sector: Real Estate
• Sector Strength: 53
• Industry: Industrial - Distribution
• EPS (TTM): 0.03
• Shares Outstanding: 89,687,500
• 10 Day Avg. Volume: 24,190
• 30 Day Avg. Volume: 21,488
• PEG Ratio: 0.13
• Price to Book (P/B): 35.27
• Price to Sales (P/S): 38.90
• P/FCF Ratio: -105.99
• Enterprise Value/Market Cap: 0.14
• Enterprise Value/Revenue: 15.75
• Enterprise Value/Gross Profit: 47.99
• Enterprise Value/Ebitda: 117.09
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 44 Neutral
• Price Target: $2.50 ▼(-18.30% Downside)

HomesToLife Ltd's overall stock score is driven primarily by its financial struggles, with declining revenues and negative profitability. Technical analysis indicates bearish momentum, and the lack of valuation metrics further underscores the company's challenges. These factors collectively result in a low stock score.

Positive Factors

Technology-driven product differentiation

The strategic US$1M stake in Zeica Labs creates an owned technology pipeline for spatial-audio smart furniture. This structural move can differentiate product lines, support higher ASPs and margins, and build a sustainable tech-enabled competitive advantage across markets.

Improved leverage and balance sheet flexibility

A materially lower debt-to-equity ratio reduces financial risk and interest burdens, giving the company greater flexibility to fund product development or weather cyclical downturns. This improved capital structure supports longer-term strategic options and reduces insolvency risk.

Stable gross margin

A stable ~65% gross margin indicates resilient unit economics despite top-line weakness. Durable product-level margins provide a foundation for restoring operating profitability if revenue stabilizes, and allow management to focus on scaling revenue without margin degradation.

Negative Factors

Declining revenues and profitability

Sustained revenue decline compresses scale and makes fixed-cost absorption harder, driving negative operating and net margins. Loss of top-line momentum can erode market position and makes multi-quarter recovery harder without clear structural initiatives to regain customers or expand channels.

Negative operating and free cash flow

Negative operating and free cash flow reduce internal funding for capex, R&D or working capital, increasing reliance on external financing. Over months this constrains strategic investments, heightens liquidity risk, and can force dilutive or costly capital raises if performance doesn't improve.

Finance leadership transition

A CFO resignation and interim appointment creates uncertainty over financial strategy and execution during a period of cash strain. Ongoing leadership transition can delay budgeting, refinancing or margin restoration plans and complicate investor communications over the medium term.

HomesToLife Ltd Business Overview & Revenue Model

Company Description

HomesToLife Ltd (HTLM) is a dynamic real estate company specializing in the buying, selling, and leasing of residential properties. Operating primarily in the urban and suburban markets, HTLM offers a comprehensive suite of services including property management, real estate consulting, and a user-friendly online platform for property listings. The company aims to simplify the real estate process for buyers and sellers alike, leveraging technology to enhance customer experience and streamline transactions.

How the Company Makes Money

HomesToLife Ltd generates revenue through several key channels. The primary revenue stream comes from transaction fees associated with property sales and leases, where HTLM charges a commission based on the final sale price or rental agreement. Additionally, the company earns income from property management services, offering maintenance and administrative support to property owners for a monthly fee. HTLM also monetizes its online platform through advertising fees from third-party service providers such as mortgage lenders and home improvement companies. Strategic partnerships with local real estate agents and developers further enhance their service offerings and expand their market reach, contributing to overall earnings.

HomesToLife Ltd Financial Statement Overview

Summary

HomesToLife Ltd is experiencing significant financial difficulties. The income statement shows a sharp decline in revenue and negative profitability metrics. The balance sheet indicates reduced leverage but negative ROE. Cash flow issues are evident with negative free cash flow and operating cash flow.

Income Statement

HomesToLife Ltd's income statement shows a concerning trend, with a decline in total revenue from $5.97 million in 2022 to $4.17 million in 2024, representing a negative revenue growth rate of approximately -30.2%. The gross profit margin remained relatively stable around 65% in 2024. EBIT and EBITDA margins have turned negative in 2024, indicating operating challenges. The net profit margin also turned negative, reflecting profitability issues.

Balance Sheet

The balance sheet presents a mixed picture. The debt-to-equity ratio has improved from 2.1 in 2022 to 1.05 in 2024, indicating reduced leverage. However, the equity ratio is relatively stable around 40%, showing balanced asset financing. The return on equity (ROE) has turned negative in 2024 due to net losses, affecting shareholder returns.

Cash Flow

Cash flow metrics reveal declining health with a negative free cash flow in 2024, down from positive figures in previous years. The operating cash flow has also turned negative, highlighting cash generation challenges. The free cash flow to net income ratio is not meaningful due to negative net income in 2024.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	2.01M	3.12M	3.78M	5.97M	5.46M
Gross Profit	659.76K	1.02M	1.87M	3.71M	3.43M
EBITDA	270.42K	-118.84K	1.05M	1.73M	1.19M
Net Income	-456.27K	-1.25M	176.82K	814.73K	966.38K
Balance Sheet
Total Assets	7.50M	8.62M	7.12M	5.46M	3.99M
Cash, Cash Equivalents and Short-Term Investments	544.89K	3.44M	1.37M	2.15M	1.34M
Total Debt	4.25M	3.61M	3.37M	1.78M	1.21M
Total Liabilities	6.41M	5.17M	5.52M	4.13M	3.50M
Stockholders Equity	1.09M	3.44M	1.60M	1.33M	490.57K
Cash Flow
Free Cash Flow	-1.01M	-1.15M	647.27K	1.72M	1.92M
Operating Cash Flow	-907.00K	-1.02M	894.78K	1.73M	1.95M
Investing Cash Flow	-104.35K	-124.00K	-247.51K	-14.56K	-563.28K
Financing Cash Flow	-566.79K	3.19M	-1.43M	-921.53K	-926.12K

HomesToLife Ltd Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 3.06
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HTLM, the sentiment is Negative. The current price of 3.06 is above the 20-day moving average (MA) of 2.55, above the 50-day MA of 2.74, and below the 200-day MA of 3.38, indicating a bearish trend. The MACD of -0.04 indicates Negative momentum. The RSI at 47.11 is Neutral, neither overbought nor oversold. The STOCH value of 61.52 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HTLM.

HomesToLife Ltd Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
BRIA	61 Neutral	$49.75M	―	―	8.21%	―	―
RECT	50 Neutral	$23.34M	18.15	11.45%	―	6.70%	-30.54%
HTLM	44 Neutral	$225.12M	―	―	―	―	―

HomesToLife Ltd Corporate Events

HomesToLife Invests US$1 Million in Zeica Labs to Power Smart Home Furniture Push

On January 15, 2026, HomesToLife Ltd announced a US$1 million strategic investment for a 10% fully diluted stake in Zeica Labs Pte. Ltd., a Singapore technology start-up that owns the spatial-audio intellectual property and engineering capabilities behind the patented Super X-Fi immersive audio technology. The investment, made via wholly owned subsidiary HTL Marketing, positions Zeica Labs as HomesToLife’s innovation and technology development partner, with plans to integrate spatial-audio features into upcoming furniture collections and use Singapore as the initial testbed before rolling out to other key markets. The move underscores HomesToLife’s push to reposition itself as a technology-forward furniture and smart home player, aiming to differentiate its next-generation products and deepen its competitiveness across its global footprint.

The most recent analyst rating on (HTLM) stock is a Hold with a $3.00 price target. To see the full list of analyst forecasts on HomesToLife Ltd stock, see the HTLM Stock Forecast page.

HomesToLife Ltd Reports Significant Profit Growth in 9M 2025

On November 17, 2025, HomesToLife Ltd announced a 71% increase in net profit to $13.1 million for the nine months ending September 30, 2025, driven by export growth and improved margins. The company reported a 15% rise in net revenue to $275 million, with significant contributions from Europe and North America. Gross profit increased by 25%, and the company maintained a healthy financial position with a net cash position of $11.7 million. The acquisition of HTL Marketing Pte. Ltd. and the new retail operations in South Korea contributed to the financial results, highlighting the company’s strategic growth initiatives and resilience in the market.

The most recent analyst rating on (HTLM) stock is a Hold with a $3.00 price target. To see the full list of analyst forecasts on HomesToLife Ltd stock, see the HTLM Stock Forecast page.

HomesToLife Ltd Appoints Interim CFO Amid Leadership Transition

On October 1, 2025, HomesToLife Ltd announced the resignation of its Chief Financial Officer, Mr. Chew Kwang Yong, effective November 18, 2025. Subsequently, on November 12, 2025, the company’s board appointed Mr. Zhengjie ‘Jeff’ Chai as the interim CFO, effective November 19, 2025, while continuing the search for a permanent replacement. This leadership change is crucial for maintaining the company’s financial stability and strategic direction during the transition period.

The most recent analyst rating on (HTLM) stock is a Hold with a $3.00 price target. To see the full list of analyst forecasts on HomesToLife Ltd stock, see the HTLM Stock Forecast page.