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Upturn AI Summary - About
Life Time Group Holdings Inc(LTH)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for LTH
10/23/2026: LTH (2-star) is currently NOT-A-BUY. Pass it for now.
Life Time Group Holdings is a premium health and fitness company that operates a large network of upscale athletic country clubs across the United States. The company is known for its integrated wellness model, which combines traditional gym facilities with high-margin personal training and professional services. Its primary growth opportunity lies in its expansion into new urban markets and its innovative Life Time Living residential projects. However, the stock faces risks from a high debt load and potential sensitivity to economic downturns in consumer discretionary spending. It is best suited for investors comfortable with capital-intensive growth strategies who are willing to monitor the company's deleveraging progress over time.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Life Time offers growth through unit expansion, but capital intensity limits rapid scaling. |
| Momentum investor | Weak fit | Momentum is inconsistent and highly sensitive to broader consumer discretionary cycles. |
| Value investor | Mixed fit | Valuation fluctuates based on property assets versus operational earnings. |
| Dividend investor | Weak fit | The company does not pay a dividend and prioritizes capital reinvestment. |
| Low-risk investor | Weak fit | High debt levels and operational leverage make this a higher-risk play. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock is susceptible to swings in consumer sentiment and interest rate news. |
| Valuation risk | Medium | Investors must weigh the company's real estate-heavy model against current market multiples. |
| Competition risk | High | Competition from low-cost providers and digital fitness alternatives remains fierce. |
| Business quality | Medium | The brand is strong, but the heavy debt load impacts overall quality scores. |
| Dividend income | Low / none | Income-focused investors will find no yield here. |
| Execution risk | Medium / high | Successful expansion depends on the ability to build and fill expensive new locations. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 30.64% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 9.37B USD | Price to earnings Ratio 22.91 | 1Y Target Price 55.93 |
Price to earnings Ratio 22.91 | 1Y Target Price 55.93 | ||
Volume (30-day avg) 3.4M shares | Beta 1.49 | 52 Weeks Range 24.14 - 47.23 | Updated Date 10/25/2026 |
52 Weeks Range 24.14 - 47.23 | Updated Date 10/25/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.83 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Membership Dues | Recurring monthly fees for access to fitness clubs and amenities. | The primary, stable engine of cash flow for the company. |
| Center Services | Personal training, group instruction, spa, and food/beverage sales. | High-margin secondary revenue that builds deep customer loyalty. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-29 | When Before Market | Estimate 0.41 | Actual - |
Profitability
Profit Margin 13.04% | Operating Margin (TTM) 17.05% |
Management Effectiveness
Return on Assets (TTM) 4.17% | Return on Equity (TTM) 13.45% |
Valuation
Trailing PE 22.91 | Forward PE 20.24 | Enterprise Value 12.59B | Price to Sales(TTM) 2.94 |
Enterprise Value 12.59B | Price to Sales(TTM) 2.94 | ||
Enterprise Value to Revenue 3.95 | Enterprise Value to EBITDA 14.53 | Shares Outstanding 223.46M | Shares Floating 206.89M |
Shares Outstanding 223.46M | Shares Floating 206.89M | ||
Percent Insiders 8.67 | Percent Institutions 93.42 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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