Stock Ratings / Consumer Discretionary / HTLM

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HomesToLife Ltd (HTLM) — RQD Stock Rating Cockpit

Q: Should I buy, hold, or sell HTLM stock right now?

HomesToLife Ltd (HTLM) currently earns a Roarable Rating of C+ (Hold — HOLD) with 67/100 RQD Confidence. Solid 28% profit margin (85% return on capital), mixed timing at 8x P/E—hold if owned, no rush to chase.

Q: What is HTLM's 12-month price target and RQD AI Jury consensus?

HTLM's 12-month base price target is $1.55 (range $1.21 to $4.4), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

$1.49 -1.32% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $1.48

HomesToLife Ltd (HTLM) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $133.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on HTLM Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is HTLM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, HomesToLife Ltd (NASDAQ: HTLM) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $1.49 (-1.32% 1D, market cap $133.6M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 16/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 19/20. Across 1011 tracked Consumer Discretionary issuers, HTLM ranks #208 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does HTLM compare to PLBY and RENT in the Consumer Discretionary sector?

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Within the Consumer Discretionary sector (Other Specialty Stores), HTLM carries a Roarable C+ (67/100 RQD), trailing P/E of 8.1x, gross margin of 27.9%, and ROIC of 85.0%. By comparison, PLBY (Playboy Inc.) holds a E grade (25/100 RQD, P/E N/A, ROIC -4.1%, cap $140.2M) and RENT (Rent the Runway Inc. (Class A)) posts a D- grade (42/100 RQD, P/E 4.4x, ROIC -35.0%, cap $100.3M). Among the 5-stock peer group, RENT leads on earnings multiple (4.4x) while HTLM leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for HTLM?

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Per HTLM's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002023153), HomesToLife Ltd generated $377.9M in revenue (+12.8% YoY), $16.6M in net income, and $12.3M in free cash flow against $139.2M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (28% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $1.48 (-0.43%)🧬 Cannibal Buyback (-3.20% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 3.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HTLM)Realized 20D OHLCV Swing Band: ±8.9%

Deterministic 5-Pillar Attribution (67/100 Composite)

🔍 WHY HTLM SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+19/20 pts (28% of score)

SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-3.20% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+16/20 pts (24% of score)

Altman Z-Score 4.10 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning5/20 pts (-15 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-15 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B+$1.72-4.1% Next Q

Q2 (-2Q)

Grade B$1.65-3% Next Q

Q3 (-1Q)

Grade B$1.60-6.9% Next Q

Current

Grade C+$1.49+1.6% Hist 90D α

Trajectory: B+ (75) → C+ (67)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the HTLM Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 67/100 (C+) score, HTLM faces multiple-compression risk if 8.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-3.20% YoY Shares) — any gross margin slip below 25.4% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($1.74) or 200D SMA ($1.92) invalidates the momentum regime and cuts Target Base ($1.55) toward Bear Floor ($1.21).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HTLM• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “HTLM Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 67%NO 33%Trade / Inspect Odds →

RSI-14 MOMENTUMOVERSOLD (<32)

19.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

4.10>3.0 Fortress Safe

PIOTROSKI F-SCOREHIGH QUALITY (7–9)

7 / 99-Pt Accounting

52-WEEK LASER RANGE15% OF RANGE

L: $1$1.49H: $4

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (28% profit margin and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on HTLM

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

85.0% ROIC with 27.9% gross margin and 9.24% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BULLISH (80)

Altman-Z 4.10 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (60)

24/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like HTLM

✓Strong cash generator (28% profit margin)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.
✓Clean SEC annual filing review with no major hidden accounting time-bombs.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (HTLM Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

HTLM // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -16.29%🛡️ HOLDING TREND SUPPORT

2026-10-30O $1.30H $1.49L $1.00C $1.49VOL 36.3K

RES: $2.29SUP: $1.42SMA50: $1.74SMA200: $1.92

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HTLM Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HTLM Butterfly Map → + Track HTLM →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-5.2%/yr Implied 5Y Growth

vs. +12.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on HTLM today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HTLM. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for HTLM today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HTLM)

Consumer Discretionary Rank #208 of 1011 ⚔️ PLBY vs HTLM Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (HTLM vs. PLBY, RENT, FLWS, NEGG)

Industry: Other Specialty Stores (42 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, HomesToLife Ltd (HTLM) ranks #208 by composite RQD confidence (67/100, grade C+) and #735 by equity capitalization ($133.6M). Within this direct 5-issuer industry benchmark cohort, RENT leads on earnings valuation at 4.4x trailing P/E, while HTLM leads on capital efficiency and profitability with 85.0% ROIC and 27.9% gross margin. HTLM currently leads its immediate peer cohort in composite quantitative strength at 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
HTLM ACTIVE HomesToLife Ltd	C+	67/100	8.1x	27.9%	85.0%	-1.32%	$133.6M	Benchmark Subject
PLBY Playboy Inc.	E	25/100	—	71.0%	-4.1%	+2.63%	$140.2M	/plby-vs-htlm →
RENT Rent the Runway Inc. (Class A)	D-	42/100	4.4x	—	-35.0%	-1.86%	$100.3M	/rent-vs-htlm →
FLWS 1-800-FLOWERS.COM Inc.	E	26/100	—	38.0%	-35.0%	-2.37%	$184.9M	/flws-vs-htlm →
NEGG Newegg Commerce Inc.	E	13/100	—	48.7%	-14.3%	-5.19%	$205.1M	/negg-vs-htlm →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002023153

In its most recent audited fiscal period (FY2025, filed 2025-12-31), HomesToLife Ltd (HTLM) reported GAAP revenue of $377.9M (+12.8% vs. FY2024 revenue of $335.1M , and +15.9% cumulative change since FY2023) , GAAP net income of $16.6M, operating cash flow of $13.5M, and free cash flow of $12.3M (+9524.3% YoY). On the balance sheet, HTLM closed FY2025 with $139.2M in total assets against $0 in total debt (Altman Z-Score: 4.10, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$377.9M	$16.6M	$13.5M	$12.3M	$139.2M	—
FY2024 (FY)	2024-12-31	$335.1M	$8.4M	$384.5K	-$131.0K	$118.8M	—
FY2023 (FY)	2023-12-31	$326.0M	$10.3M	$18.8M	$18.8M	—	—

3. HTLM Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HTLM stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does HTLM compare to PLBY and RENT in the Consumer Discretionary sector?

What are the biggest fundamental strengths and SEC risk factors for HTLM?

Where is HTLM trading relative to its 50-day, 200-day, and 52-week technical levels?

HTLM last traded at $1.49 (-1.32% on volume of 1,677 shares), positioning the stock -14.37% below its 50-day simple moving average ($1.74) and -22.40% below its 200-day simple moving average ($1.92). Across its 52-week range of $1.00 to $4.19, HTLM sits at the 15.4% percentile with a 14-day RSI of 19.6 (OVERSOLD (<32)) and an implied next-earnings move of ±8.9% ($1.36 to $1.62).

HTLM Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell HTLM stock right now?

HomesToLife Ltd (HTLM) currently earns a Roarable Rating of C+ (Hold — HOLD) with 67/100 RQD Confidence. Solid 28% profit margin (85% return on capital), mixed timing at 8x P/E—hold if owned, no rush to chase.

What is HTLM's 12-month price target and RQD AI Jury consensus?

HTLM's 12-month base price target is $1.55 (range $1.21 to $4.4), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: HTLM RQD Cockpit HTLM 12M Forecast HTLM Earnings & Move HTLM Dividends & DRIP HTLM Insiders & 13F HTLM Whale Options HTLM Profit Sankey HTLM News & Why