HomesToLife Ltd (HTLM) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: N/A
• Average Volume (3M): 5.90K
• Price to Earnings (P/E): ―
• Beta (1Y): -0.92
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 34
• Sector: Real Estate
• Sector Strength: 49
• Industry: Industrial - Distribution
• EPS (TTM): N/A
• Shares Outstanding: 14,687,500
• 10 Day Avg. Volume: 3,443
• 30 Day Avg. Volume: 5,901
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $4.00
• Price Target Upside: 7.24% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 47 Neutral
• Price Target: $4.00 ▲(7.24% Upside)

HomesToLife Ltd's overall stock score is primarily impacted by its financial performance, which is facing significant challenges with declining revenues and negative profitability. Technical analysis provides a slightly better outlook with neutral indicators, but the lack of valuation data further weighs down the score.

Positive Factors

Business Model

HTLM's technology-driven business model simplifies real estate transactions, potentially enhancing customer experience and market penetration.

Revenue Streams

Diverse revenue streams from commissions, subscriptions, and partnerships provide resilience against market fluctuations and support long-term growth.

Debt Management

Improved leverage indicates better debt management, enhancing financial stability and reducing risk in the long term.

Negative Factors

Revenue Decline

Significant revenue decline suggests challenges in market demand or competitive positioning, impacting future growth prospects.

Profitability Issues

Negative profitability metrics indicate operational inefficiencies or pricing pressures, potentially affecting long-term financial health.

Cash Flow Challenges

Negative cash flow highlights cash generation issues, limiting the company's ability to invest in growth and manage debt effectively.

HomesToLife Ltd Business Overview & Revenue Model

Company Description

HomesToLife Ltd. engages in the retail of home furniture and sale of customized furniture solutions. Its products include leather and fabric upholstered furniture, case goods, and accessories. The company was founded by Yong Pin Phua and Yong Tat Phua in September 1989 and is headquartered in Singapore.

How the Company Makes Money

HomesToLife Ltd generates revenue through multiple streams, primarily by charging commission fees on transactions facilitated through its platform. When a property is sold through HTLM, the company typically takes a percentage of the sale price as its commission. Additionally, HTLM offers premium subscription services for real estate agents and agencies that provide enhanced visibility and advertising options on the platform. Partnerships with mortgage lenders and home service providers also contribute to its earnings, as HTLM earns referral fees for directing clients to these services. Furthermore, data analytics and market insights are offered as premium services to real estate professionals, creating another revenue stream.

HomesToLife Ltd Financial Statement Overview

Summary

HomesToLife Ltd is facing significant financial challenges. The income statement shows a concerning decline in revenue and profitability, with EBIT and EBITDA margins turning negative in 2024. The balance sheet shows some improvement in leverage, but negative ROE and cash flow issues persist, indicating substantial financial instability.

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	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	4.17M	5.07M	5.97M	5.46M
Gross Profit	2.75M	3.64M	3.71M	3.43M
EBITDA	-266.02K	1.39M	1.73M	1.19M
Net Income	-1.67M	237.50K	814.73K	966.38K
Balance Sheet
Total Assets	8.62M	7.12M	5.46M	3.99M
Cash, Cash Equivalents and Short-Term Investments	3.44M	1.37M	2.15M	1.34M
Total Debt	3.61M	3.37M	1.78M	1.21M
Total Liabilities	5.17M	5.52M	4.13M	3.50M
Stockholders Equity	3.44M	1.60M	1.33M	490.57K
Cash Flow
Free Cash Flow	-1.15M	647.27K	1.72M	1.92M
Operating Cash Flow	-1.02M	894.78K	1.73M	1.95M
Investing Cash Flow	-124.00K	-247.51K	-14.56K	-563.28K
Financing Cash Flow	3.19M	-1.43M	-921.53K	-926.12K

HomesToLife Ltd Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 3.73
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• 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 3.73 is below the 20-day moving average (MA) of 3.87, below the 50-day MA of 3.74, and below the 200-day MA of 4.78, indicating a bearish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 43.86 is Neutral, neither overbought nor oversold. The STOCH value of 56.23 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
DXPE	80 Outperform	$1.79B	21.75	20.33%	―	13.93%	48.25%
GIC	79 Outperform	$1.44B	22.01	22.72%	2.74%	-1.58%	-5.62%
MSM	75 Outperform	$5.17B	26.20	14.34%	3.71%	-4.11%	-31.26%
DSGR	71 Outperform	$1.48B	371.48	0.65%	―	13.48%	―
Sector *	63 Neutral	$7.03B	13.25	-0.30%	6.93%	4.01%	-25.47%
TITN	53 Neutral	$464.42M	11.08	-9.63%	―	-8.12%	-204.81%
HTLM	47 Neutral		―		―	―	―