HomesToLife Ltd (HTLM)

Nasdaq: HTLM · Retail-Furniture Stores · filing with the SEC since 2024

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Grade6.3

◀ Past 6.8● Present 5.9▶ Future 6.7

1 est.

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The grade of HomesToLife Ltd

Nine metrics read from its own filings, by tense

Headline grade

6.3/10

◀ Past6.825% of the headline

● Present5.945% of the headline

▶ Future6.730% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

6.8/1025% of the headline grade · 3 of 3 filed

Surviving crises

as filed

7.3/10

Has it survived what it has been through?

No warning events in its filings since 2024.

weight 45% of this tense · 73rd percentile among 11 sector filers · read for itself

From the record

HomesToLife Ltd's filings since 2024 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

8.9/10

What has it actually done, year after year?

+298.3% a year over 4 filed years; profitable in 4 of 4.

weight 33% of this tense · 89th percentile among 10 sector filers · read for its customers

From the record

HomesToLife Ltd's 4 filed years say what it did: revenue went from $6 million in fiscal 2022 to $378 million in fiscal 2025, up 298.3% a year; it rose in 3 of 3 years; it never fell from a peak; net income was positive in 4 of 4 of those years (its annual reports).

What it rests on

revenue growth over the filed span298.3%top 5% of its family
the share of years revenue rosetop 5% of its family
the share of filed years with a profittop 30% of its family
the deepest fall from a revenue peak0.0%top 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

2.5/10

How has it treated the people who own it?

Share count grew 89.1% a year. 36% of cash flow returned.

weight 22% of this tense · 25th percentile among 8 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, HomesToLife Ltd's diluted share count grew about 89.1% a year, and dividends and buybacks returned about 36% of its operating cash flow over 3 years (its filed statements). No open-market trades by its officers or directors are on the Form 4 record: a foreign private issuer's insiders file none.

What it rests on

the share count over the yearsbottom 6% of its family
cash returned against operating cash flowbottom 45% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.9/1045% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

6.1/10

Is it financially healthy right now?

ROE 59%: 59¢ of profit per shareholder dollar. Leverage 80%: owes 80¢ per asset dollar.

weight 45% of this tense · 61st percentile among 11 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, HomesToLife Ltd earned about 59 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 76 cents per dollar of everything the company owns. Leverage: it owed about 80 cents per dollar of assets, and net share issuance: its share count was unchanged over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 14% of its family
return on equitytop 14% of its family
gross profit against assetstop 5% of its family
the share count against the year beforetop 50% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

6.2/10

How strong is its position in its industry?

top 38% of 11 in its family; net margin 4.4%.

weight 33% of this tense · 62nd percentile among 11 sector filers · read for its customers

From the record

HomesToLife Ltd's standing among 11 graded names in its industry family: revenue of $378 million in fiscal 2025 ranks in the bottom 23% by size; a net margin of 4.4% ranks in the top 32%; revenue growth of 298.3% a year over the last 3 filed years ranks in the top 5% (its annual reports).

What it rests on

revenue against the family$378Mbottom 23% of its family
net margin4.4%top 32% of its family
three-year revenue growth298.3%top 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

4.8/10

What are the people in charge doing?

SI estimate 4.8/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 10 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read, so the desk assumes the typical reading of its industry family, the median of 10 members with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read.
How it was reasoned: family median, 10 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: HomesToLife Ltd's leadership is put at 4.8 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read, so the desk assumes the typical reading of its industry family, the median of 10 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

6.7/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed

4.1/10

How much room does it have to grow?

bottom 41% of 11 in its family for room to expand.

weight 22% of this tense · 41st percentile among 11 sector filers · read for itself

From the record

HomesToLife Ltd's room to grow, from the newest filed statements (fiscal 2025): cash of $27 million against no long-term debt tagged leaves 19.6% of its assets as net cash, top 32% of its family; cash from operations less capital spending is 3.3% of revenue (bottom 32%); a gross margin of 27.9% (bottom 23%) (its annual report).

What it rests on

cash less debt against assets19.6%top 32% of its family
cash from operations less capital spending against revenue3.3%bottom 32% of its family
gross margin27.9%bottom 23% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

9.3/10

What could actually drive growth from here?

top 7% of 10 in its family for growth drivers.

weight 45% of this tense · 93rd percentile among 10 sector filers · read for its customers

From the record

HomesToLife Ltd's growth drivers, from the filed years to fiscal 2025: revenue grew 298.3% a year over the last three filed years against 298.3% over all 4, speeding up (top 10% of its family); the newest year grew 12.8% (top 5%); capital spending grew 327.2% a year (top 5%) (its annual reports). HomesToLife Ltd reported 3 lines of business in fiscal 2025: Export Sales at $350 million, Leather Trading at $19 million, Retail Sales at $9 million. 3 of 3 grew in the latest filed year, and the largest line is 93% of revenue (its annual report).

What it rests on

three-year growth against the whole span+0.0 points a yeartop 10% of its family
the newest year's revenue growth12.8%top 5% of its family
three-year growth of capital spending327.2%top 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

4.8/10

Did its newest year beat what its own record pointed to?

bottom 48% of 10 in its family for expectations against reality.

weight 33% of this tense · 48th percentile among 10 sector filers · read for its shareholders

From the record

HomesToLife Ltd's newest year against its own record: revenue of $378 million in fiscal 2025 came in 84.9% below the $2.5 billion its prior three years' pace pointed to (bottom 5% of its family); net income of $17 million against a prior three-year average of $7 million (top 15%); a net margin of 4.4% against 6.4% before (top 45%) (its annual reports).

What it rests on

revenue against the prior three years' pace-84.9%bottom 5% of its family
net income against the prior three years' average+154%top 15% of its family
net margin against its prior average-2.1 pointstop 45% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton HTLM · research, not advice