HomesToLife Ltd (HTLM) AI Stock Analysis

• Market Cap: $36.87M
• Dividend Yield: N/A
• Average Volume (3M): 21.49K
• Price to Earnings (P/E): ―
• Beta (1Y): -0.78
• 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: 14,687,500
• 10 Day Avg. Volume: 24,190
• 30 Day Avg. Volume: 21,488
• PEG Ratio: 0.09
• Price to Book (P/B): 35.27
• Price to Sales (P/S): 29.11
• P/FCF Ratio: -105.99
• Enterprise Value/Market Cap: 8.16
• Enterprise Value/Revenue: 149.69
• Enterprise Value/Gross Profit: 456.08
• Enterprise Value/Ebitda: 1.11K
• 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: $3.00 ▼(-1.96% 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

Revenue Growth

The strong revenue growth in the first half of 2025 indicates effective market positioning and adaptability to consumer demands, which supports long-term business sustainability.

Shareholder Support

High shareholder approval for key resolutions reflects confidence in management and strategic direction, enhancing operational capabilities and growth potential.

Leverage Improvement

Reduced leverage enhances financial stability and flexibility, allowing for better capital allocation and risk management over the long term.

Negative Factors

CFO Resignation

The resignation of the CFO could disrupt financial management and strategic planning, potentially affecting operational stability until a successor is appointed.

Negative Profitability

Negative profitability metrics indicate operational inefficiencies and financial strain, which may hinder growth and investment opportunities if not addressed.

Declining Revenue

A significant decline in revenue over two years suggests challenges in market competitiveness and product demand, impacting long-term growth prospects.

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: Positive
• RSI: Neutral
• STOCH: Positive

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 2.85, above the 50-day MA of 3.04, and below the 200-day MA of 3.55, indicating a bearish trend. The MACD of -0.15 indicates Positive momentum. The RSI at 41.10 is Neutral, neither overbought nor oversold. The STOCH value of 17.96 is Positive, 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%
RECT	50 Neutral	$24.66M	19.17	11.45%	―	6.70%	-30.54%
HTLM	44 Neutral	$36.87M	―	―	―	―	―

HomesToLife Ltd Corporate Events

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.

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.

HomesToLife Ltd to Participate in Investor Webinar on October 16, 2025

HomesToLife Ltd, a company involved in the home furnishings industry, announced that its management will participate in a webinar hosted by CGS International Securities Pte. Ltd. on October 16, 2025. This event could potentially enhance the company’s visibility and investor relations by showcasing their investor presentation, which may impact their market positioning and stakeholder engagement.

HomesToLife Ltd Announces CFO Resignation and Transition Plan

On October 1, 2025, HomesToLife Ltd announced the resignation of its Chief Financial Officer, Mr. Chew Kwang Yong, effective November 18, 2025. Mr. Chew plans to pursue interests in the capital markets post-resignation, and his departure is not due to any disagreements with the company. During the transition period, Mr. Chew will assist in the handover process and support the recruitment of his successor. The company is actively searching for a new CFO to ensure continued operational stability.

HomesToLife Ltd Reports Strong Revenue Growth for First Half of 2025

On September 17, 2025, HomesToLife Ltd announced its financial results for the first half of 2025, revealing a notable increase in revenues compared to the same period in 2024. The company’s total revenues rose from $156.3 million to $180.8 million, driven by increased sales to both third parties and related parties. This financial performance reflects the company’s strong market positioning and its ability to adapt to changing consumer demands, which is likely to have positive implications for its stakeholders.