LTH Stock Analysis: Life Time Holdings | NYSE

Fitness Centers, Wellness Programs, Spa Services, Digital Streaming

Total Rating 62

Safety 75

Buy Signal 1.38

Leisure
Industry Rotation: +18.0

Market Cap: 10.6B
Avg Turnover: 147M

Risk 3d forecast

Volatility37.2%

VaR 5^th Pctl6.24%

VaR vs Median1.94%

Reward TTM

Sharpe Ratio1.79

Rel. Str. IBD95.3

Rel. Str. Peer Group92.9 pctl

Character TTM

Beta0.529

Beta Downside0.246

Hurst Exponent0.519

Choppyness47.6%

Drawdowns 3y

Max DD26.00%

CAGR/Max DD1.90

CAGR/Mean DD5.25

EPS (Earnings per Share)

EPS CAGR: 55.89%
EPS Trend: 96.5%

Last SUE: 0.97
Qual. Beats: 1

Revenue

Rev. CAGR: 15.34%
Rev. Trend: 99.6%

Last SUE: 2.33
Qual. Beats: 2

Warnings

High Debt While Negative Cash Flow

Tailwinds

Rs Leader

Idiosyncratic Leader

Seasonality 5.1 years of data, until 10/2026

Jan +10.1% 0

Feb +0.6% 0

Mar +0.1% 0

Apr +2.5% 0

May +6.8% 0

Jun +7.1% 14

Jul +0.6% 0

Aug -0.8% 0

Sep -9.1% 14

Oct -8.6% 0

Nov +20.8% 40

Dec -6.5% 14

How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.

Description: LTH Life Time Holdings

Life Time Group Holdings, Inc. (NYSE: LTH) operates a network of premium health, fitness, and wellness centers across the United States and Canada, serving individual members in suburban and urban metropolitan locations. The companys facilities offer extensive in-club amenities including fitness floors, group fitness, cycle, yoga, and pilates studios, indoor and outdoor pools, tennis and pickleball courts, basketball and volleyball courts, saunas, steam rooms, recovery spaces, LifeSpa, LifeCafe, and kids academy/childcare spaces. Beyond facility access, Life Time generates revenue through a broad suite of paid services such as personal training, small group training, nutrition and weight loss coaching, physical therapy, chiropractic services, swim lessons, sport-specific coaching, and medi-spa offerings.

The company also organizes athletic leagues, tournaments, social events, kids camps, and charity events, and sells nutritional supplements and apparel. Its digital platform extends the membership experience with live-streamed fitness classes, remote goal-based personal training, and curated health and wellness content. Founded in 1992 and headquartered in Chanhassen, Minnesota, the company was formerly known as LTF Holdings, Inc. before adopting its current name in June 2021.

Life Time operates within the GICS Leisure Facilities sub-industry under Consumer Discretionary, competing in the premium segment of the fitness center industry against operators such as Equinox and other high-end club chains. Its business model combines recurring membership dues with high-margin ancillary revenue streams from personal training, spa services, in-club dining, retail, and digital subscriptions, which helps diversify income beyond standard access fees.

Headlines to Watch Out For

Membership dues growth and pricing power expand recurring revenue
New center pipeline accelerates footprint expansion
Leverage and interest costs pressure operating margins

Piotroski VR-10 (Strict) 4.5

Net Income: 418.9m TTM > 0 and > 6% of Revenue
FCF/TA: -0.02 > 0.02 and ΔFCF/TA -3.30 > 1.0
NWC/Revenue: -5.64% < 20% (prev -6.97%; Δ 1.33% < -1%)
CFO/TA 0.11 > 3% & CFO 910.3m > Net Income 418.9m
Net Debt (6.85b) to EBITDA (943.9m): 7.25 < 3
Current Ratio: 0.73 > 1.5 & < 3
Outstanding Shares: last quarter (229.1m) vs 12m ago 1.35% < -2%
Gross Margin: 79.97% > 18% (prev 47.38%; Δ 32.59% > 0.5%)
Asset Turnover: 40.11% > 50% (prev 37.22%; Δ 2.88% > 0%)
Interest Coverage Ratio: 9.54 > 6 (EBIT TTM 617.5m / Interest Expense TTM 64.7m)

Altman Z'' 1.16

A: -0.02 (Total Current Assets 492.9m - Total Current Liabilities 678.6m) / Total Assets 8.60b
B: 0.03 (Retained Earnings 249.0m / Total Assets 8.60b)
C: 0.08 (EBIT TTM 617.5m / Avg Total Assets 8.21b)
D: 0.67 (Book Value of Equity 3.45b / Total Liabilities 5.14b)
Altman-Z'' = 1.16 = BB

Beneish M -3.71

DSRI: 0.57 (Receivables 36.9m/57.1m, Revenue 3.29b/2.91b)
GMI: 0.59 (GM 47.38% / 79.97%)
AQI: 0.91 (AQ_t 0.18 / AQ_t-1 0.19)
SGI: 1.13 (Revenue 3.29b / 2.91b)
TATA: -0.06 (NI 418.9m - CFO 910.3m) / TA 8.60b)
Beneish M = -3.71 (Cap -4..+1) = AAA

What is the price of LTH shares?

As of November 11, 2026, the stock is trading at USD 47.42 with a total of 7,500,073 shares traded. Over the past week, the price has changed by +6.39%, over one month by +17.46%, over three months by +11.68% and over the past year by +89.68%.

Current recommended Stop Loss: 45.10 (which is 4.9% or 1.3 ATR below the current price).

Is LTH a buy, sell or hold?

Life Time Holdings has received a consensus analysts rating of 4.80. Therefore, it is recommended to buy LTH.

StrongBuy: 12
Buy: 3
Hold: 0
Sell: 0
StrongSell: 0

What are the forecasts/targets for the LTH price?

Analysts Target Price	57.6	21.5%

Life Time Holdings (LTH) - Fundamental Data Overview as of 09 November 2026

Market Cap USD = 10.6b (10.6b USD * 1.0 USD.USD)
P/E Trailing = 25.4703
P/E Forward = 26.3158
P/S = 3.2136
P/B = 3.0661
Revenue TTM = 3.29b USD
EBIT TTM = 617.5m USD
EBITDA TTM = 943.9m USD
Long Term Debt = 1.46b USD (from longTermDebt, last quarter)
Short Term Debt = 127.5m USD (from shortTermDebt, last quarter)
Debt = 7.13b USD (from shortLongTermDebtTotal, last quarter) + Leases 2.82b
Net Debt = 6.85b USD (calculated: Debt 7.13b - CCE 286.2m)
Enterprise Value = 17.4b USD (10.6b + Debt 7.13b - CCE 286.2m)
Interest Coverage Ratio = 9.54 (Ebit TTM 617.5m / Interest Expense TTM 64.7m)
EV/FCF = -84.53x (Enterprise Value 17.4b / FCF TTM -206.2m)
FCF Yield = -1.18% (FCF TTM -206.2m / Enterprise Value 17.4b)
FCF Margin = -6.26% (FCF TTM -206.2m / Revenue TTM 3.29b)
Net Margin = 12.72% (Net Income TTM 418.9m / Revenue TTM 3.29b)
Gross Margin = 79.97% ((Revenue TTM 3.29b - Cost of Revenue TTM 659.7m) / Revenue TTM)
Gross Margin QoQ = 89.24% (prev 89.11%)
Tobins Q-Ratio = 2.03 (Enterprise Value 17.4b / Total Assets 8.60b)
Interest Expense / Debt = 0.91% (Interest Expense 64.7m / Debt 7.13b)
Taxrate = 26.46% (150.8m / 569.7m)
NOPAT = 454.1m (EBIT 617.5m * (1 - 26.46%))
Current Ratio = 0.73 (Total Current Assets 492.9m / Total Current Liabilities 678.6m)
Debt / Equity = 2.07 (Debt 7.13b / totalStockholderEquity, last quarter 3.45b)
Debt / EBITDA = 7.25 (Net Debt 6.85b / EBITDA 943.9m)
Debt / FCF = -33.21 (negative FCF - burning cash) (Net Debt 6.85b / FCF TTM -206.2m)
Total Stockholder Equity = 3.27b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.10% (Net Income 418.9m / Total Assets 8.60b)
RoE = 12.79% (Net Income TTM 418.9m / Total Stockholder Equity 3.27b)
RoCE = 13.04% (EBIT 617.5m / Capital Employed (Equity 3.27b + L.T.Debt 1.46b))
RoIC = 5.76% (NOPAT 454.1m / Invested Capital 7.88b)
WACC = 4.70% (E(10.6b)/V(17.7b) * Re(7.42%) + D(7.13b)/V(17.7b) * Rd(0.91%) * (1-Tc(0.26)))
Discount Rate = 7.42% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 86.95 | Cagr: 4.82%
[DCF] Fair Price = unknown (Cash Flow -206.2m)
EPS Correlation: 96.53 | EPS CAGR: 55.89% | SUE: 0.97 | # QB: 1
Revenue Correlation: 99.65 | Revenue CAGR: 15.34% | SUE: 2.33 | # QB: 2
EPS current Quarter (2027-03-31): EPS=0.48 | Chg30d=-0.47% | Revisions=+0% | Analysts=10
EPS current Year (2026-12-31): EPS=1.78 | Chg30d=+1.25% | Revisions=+44% | GrowthEPS=+23.3% | GrowthRev=+13.1%
EPS next Year (2027-12-31): EPS=2.05 | Chg30d=+0.59% | Revisions=+70% | GrowthEPS=+15.7% | GrowthRev=+12.0%
[Analyst] Revisions Ratio: +50% (up=15, down=4)