Assay
Financial-condition grades for SEC filers
Company Report · as of Oct 9, 2026
|
| Life Time Group Holdings, Inc.LTH · other | |
|---|---|
| Grade |  Cmiddle fifth of 336 graded peers; percentile 55.2, sampling error 2.6 points; lower is stronger |
| Rank | 186 of 336 |
| Profitability | Cpercentile 54.5 |
| Solvency | C/Dpercentile 59.2 |
| Growth and financing | Bpercentile 35.3 |
| Reliability | 0.94 AUCfailure model, filers with over $2.67B assets; 95% interval 0.88 to 0.97; 61 events, 2020 to 2025 |
| Peer failure rate | 0.52% a yearItem 1.03 bankruptcies, same asset band, 2012 to 2025 |
| Size band | over $2.67B assetstotal assets $8.0B[1] |
| Standard universe | insiderevenue above $1M and assets above $10M[1-2] |
| Warnings | none activenot computable: distress |
| Inputs computable | 10 of 14 |
| Graded from | filings received through Feb 24, 2026227 days before the rescan; every figure keyed to the SEC receipt date |
| Last close | $40.292026-10-08; market equity $9.0B; iex feed |
| Price used in grade | None |
| Share price, twelve months to the rescansplit-adjusted close; a lollipop at every rescan carries the letter held then; baseline ticks are SEC receipt dates of the inputs; ranges and dragging scroll the full history | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Percentile at every rescan on file, Jan 21, 2012 to Oct 9, 2026; stronger toward the top. Hover for the date. Open this report as it stood on | ||||||||||||||||||||||||||||
Each date opens the report as it stood on that rescan. |
Business, in the company's words. Opening of Item 1 of the 10-K received Feb 24, 2026; the document on sec.gov.
Life Time Group Holdings, Inc. (collectively with its direct and indirect subsidiaries, “Life Time,” “we,” “our,” “us,” or the “Company”) is a holding company incorporated in the state of Delaware. Life Time Group Holdings, Inc. completed its initial public offering (“IPO”) in October 2021 and its common stock trades on the New York Stock Exchange (“NYSE”) under the symbol “LTH.” Life Time, the “Healthy Way of Life Company,” is a premier lifestyle and leisure brand offering premium health, fitness and wellness experiences to a community of nearly 1.6 million individual members, who together comprise nearly 873,000 memberships, as of December 31, 2025.
The Fourteen Inputs [top]
Lower percentile is stronger. Source numbers open the SEC filing; a range that spans filings opens the sources table.
| Input | Percentile, 0 to 100 | Value | Source | Peer median | Percentile | Peers | Period end |
|---|---|---|---|---|---|---|---|
| Profitability, sleeve percentile 54.5 | |||||||
| Gross profitability | 17.8% | [1-3] | 27.1% | 64.9 | 289 | 2025-12-31 | |
| Return on invested capital | 8.5% | [4-12] | 10.0% | 54.0 | 151 | 2025-12-31 | |
| Accruals ratio | (6.6%) | [1,13-15] | (5.9%) | 44.6 | 506 | 2025-12-31 | |
| Gross margin stability, five years | not computable | 2.2 pts | |||||
| five annual gross margins are required; found 1 | |||||||
| Solvency, sleeve percentile 59.2 | |||||||
| Twelve-month failure probability | not computable | 0.04% | |||||
| latest liabilities, cash plus short-term investments, book equity, and shares are required | |||||||
| Altman Z double-prime | 0.87 | [1,4,8,16-19] | 2.05 | 54.5 | 386 | 2025-12-31 | |
| Net debt to EBITDA | 1.68x | [4,7,9,20] | 2.52x | 38.3 | 184 | 2025-12-31 | |
| Interest coverage | not computable | 2.18x | |||||
| one or more required annual facts are missing | |||||||
| Current ratio | 0.63x | [16-17] | 1.32x | 84.8 | 506 | 2025-12-31 | |
| Growth and financing, sleeve percentile 35.3 | |||||||
| Revenue growth, three-year compound | 18.0% | [2,21-23] | 5.1% | 16.2 | 403 | 2025-12-31 | |
| Free cash flow growth, three-year compound | not computable | 8.7% | |||||
| current FCF must be positive and base FCF must exceed $100,000 | |||||||
| Reinvestment rate | 197.7% | [4-6,16-17,20,24-26] | 11.9% | 5.3 | 190 | 2025-12-31 | |
| Asset growth, three years | 6.5% | [1,15,27-28] | 4.1% | 38.2 | 438 | 2025-12-31 | |
| Net share issuance, one year | 5.8% | [29-30] | (0.4%) | 81.4 | 356 | 2026-02-20 | |
Gross profitability. Revenue less cost of goods sold, over total assets.
Accruals ratio. Net income less operating cash flow, over average assets; lower is stronger.
Gross margin stability, five years. Standard deviation of gross margin; lower is stronger.
Twelve-month failure probability. CHS model; lower is stronger.
Net debt to EBITDA. Lower is stronger.
Net share issuance, one year. Split-adjusted; lower is stronger.
Sleeves are equal-weighted; within a sleeve each computable input carries equal weight. Composite -0.008; sampling error 2.6 percentile points on 336 peers.
Among 336 Peers [top]
Composite score of every graded peer, smoothed. Vertical rules are the letter band edges at the 20th, 40th, 60th and 80th percentiles. Small dots are the six largest peers by market equity.
| Rank | Company | Percentile | Letter | Warnings |
|---|---|---|---|---|
| 181 | Union Pacific Corp. (UNP) Union Pacific Corp. (UNP) Cmiddle fifth; percentile 53.7 NYSE · Railroads, Line-Haul Operating market equity $165.3B; last close $278.11 No active warnings; 10 of 14 inputs | 53.7 | C | |
| 182 | Lyft, Inc. (LYFT) Lyft, Inc. (LYFT) Cmiddle fifth; percentile 54.0 Nasdaq · Services-Business Services, NEC market equity $6.1B; last close $16.14 Warnings: fortress balance sheet; 8 of 14 inputs | 54.0 | C | fortress balance sheet |
| 183 | Hilton Worldwide Holdings Inc. (HLT) Hilton Worldwide Holdings Inc. (HLT) Cmiddle fifth; percentile 54.3 NYSE · Hotels & Motels market equity $72.8B; last close $323.38 No active warnings; 10 of 14 inputs | 54.3 | C | |
| 184 | Arlo Technologies, Inc. (ARLO) Arlo Technologies, Inc. (ARLO) Cmiddle fifth; percentile 54.6 NYSE · Services-Detective, Guard & Armored Car Services market equity $1.3B; last close $12.16 No active warnings; 8 of 14 inputs | 54.6 | C | |
| 185 | Neogenomics Inc. (NEO) Neogenomics Inc. (NEO) Cmiddle fifth; percentile 54.9 Nasdaq · Services-Testing Laboratories market equity $2.1B; last close $16.03 No active warnings; 9 of 14 inputs | 54.9 | C | |
| 186 | Life Time Group Holdings, Inc. (LTH) Life Time Group Holdings, Inc. (LTH) Cmiddle fifth; percentile 55.2 NYSE · Services-Membership Sports & Recreation Clubs market equity $9.0B; last close $40.29 No active warnings; 10 of 14 inputs | 55.2 | C | |
| 187 | United Airlines Holdings, Inc. (UAL) United Airlines Holdings, Inc. (UAL) Cmiddle fifth; percentile 55.5 Nasdaq · Air Transportation, Scheduled market equity $34.9B; last close $107.42 No active warnings; 9 of 14 inputs | 55.5 | C | |
| 188 | Equifax Inc. (EFX) Equifax Inc. (EFX) Cmiddle fifth; percentile 55.8 NYSE · Services-Consumer Credit Reporting, Collection Agencies market equity $17.1B; last close $145.31 No active warnings; 10 of 14 inputs | 55.8 | C | |
| 189 | International Seaways, Inc. (INSW) International Seaways, Inc. (INSW) Cmiddle fifth; percentile 56.1 NYSE · Water Transportation market equity $6.0B; last close $121.81 No active warnings; 8 of 14 inputs | 56.1 | C | |
| 190 | Delta AIR Lines, Inc. (DAL) Delta AIR Lines, Inc. (DAL) Cmiddle fifth; percentile 56.4 NYSE · Air Transportation, Scheduled market equity $54.0B; last close $82.16 No active warnings; 8 of 14 inputs | 56.4 | C | |
| 191 | Vivakor, Inc. (VIVK) Vivakor, Inc. (VIVK) Cmiddle fifth; percentile 56.7 Nasdaq · Refuse Systems market equity $32.8M; last close $4.43 Warnings: short runway, late filer; 7 of 14 inputs | 56.7 | C | short runway, late filer |
| Peer policy | Letter | Percentile | Peers |
|---|---|---|---|
| all graded filers, equal sleeves | C | 53.8 | 2204 |
| sector peers, equal sleeves (the grade) | C | 55.2 | 336 |
| same exchange, equal sleeves | C | 54.6 | 984 |
| sector peers, equal inputs | C | 51.3 | 336 |
Each letter is one fifth of the 336 graded peers, about 67 companies. A boundary letter (A/B, B/C, C/D, D/E) marks a percentile within one sampling error of a band edge.
What the Price Implies [top]
Market measures at the 2026-10-08 close. None enters the grade. Percentile among graded peers with the same measure.
| Measure | Value | Peer median | Percentile | Reading |
|---|---|---|---|---|
| Twelve-month price change, skipping the latest month | 52.2% | 2.0% | 85 | hotter than 85 of 100 peers |
| Distance from 52-week high | (11.9%) | (26.8%) | 77 | closer to its high than 77 of 100 peers |
| EBIT to enterprise value | 4.7% | 4.4% | 55 | pricier than 45 of 100 peers |
| Free cash flow yield | (0.2%) | 4.1% | 22 | pricier than 78 of 100 peers |
| Book value to price | 0.37 | 0.34 | 55 | pricier than 45 of 100 peers |
| Sales to price | 0.33 | 0.70 | 29 | pricier than 71 of 100 peers |
| Composite equity issuance, five years | not computable | (8.8%) | a share count from five years earlier is required | |
| Relative strength against the sector, log excess return | 0.27 | (0.13) | 85 | ahead of 85 of 100 peers |
Inputs: market equity $9.0B; EBIT $481.3M; free cash flow -$21.0M; book equity $3.3B; sales $3.0B; debt $1.5B; cash $223.6M[31].
Diagnostics [top]
Diagnostics do not feed the grade.
| Piotroski F-score: None of 9, period end 2025-12-31 | ||
|---|---|---|
| Return on assets above zero | 5.2% | ✓ pass[13,15] |
| Operating cash flow above zero | $870.5M | ✓ pass[14] |
| Return on assets improved | 3.0 pts | ✓ pass[13,15,27,32] |
| Operating cash flow exceeds net income | $496.9M | ✓ pass[13-14] |
| Long-term leverage fell | (1.7 pts) | ✓ pass[1,15,27,33-34] |
| Current ratio improved | 30.4 pts | ✓ pass[16-17,25-26] |
| No new shares issued | 5.8% | ✗ fail[29-30] |
| Gross margin improved | n/a[2-3] | |
| Asset turnover improved | 4.6 pts | ✓ pass[2,15,21,27] |
| Cash, filings, liquidity | |
|---|---|
| Cash and equivalents | $223.6M[35] |
| Operating cash flow, four quarters | $899.3M[14,35-39] |
| Months of runway | not finite |
| trailing operating cash flow is nonnegative, so runway is not finite | |
| Late filings, two years | 0 |
| NT 10-K or NT 10-Q | |
| Days since last periodic filing | 71 |
| 10-Q received Jul 30, 2026 | |
| Median daily dollar volume | $109.7M |
| 63 sessions | |
| Days since newest grade input | 227 |
Downloads [top]
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Sources [top]
Every citation on this page. Filing opens the SEC index page for that submission; viewer opens the SEC interactive data for the same filing; series opens the SEC XBRL API record for that tag and company.
| # | Concept | XBRL tag | Value | Period end | Received | Form | Links |
|---|---|---|---|---|---|---|---|
| 1 | assets | us-gaap:Assets | $8.0B | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 2 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $3.0B | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 3 | cost of revenue | us-gaap:CostOfGoodsAndServicesSold | $1.6B | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 4 | operating income | us-gaap:OperatingIncomeLoss | $481.3M | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 5 | pretax income | us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest | $493.5M | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 6 | income tax | us-gaap:IncomeTaxExpenseBenefit | $119.8M | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 7 | total debt | us-gaap:LongTermDebt | $1.5B | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 8 | book equity | us-gaap:StockholdersEquity | $3.1B | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 9 | cash | us-gaap:CashAndCashEquivalentsAtCarryingValue | $204.8M | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 10 | total debt | us-gaap:LongTermDebt | $1.5B | 2024-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 11 | book equity | us-gaap:StockholdersEquity | $2.6B | 2024-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 12 | cash | us-gaap:CashAndCashEquivalentsAtCarryingValue | $10.9M | 2024-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 13 | net income | us-gaap:NetIncomeLoss | $373.7M | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 14 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $870.5M | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 15 | assets | us-gaap:Assets | $7.2B | 2024-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 16 | current assets | us-gaap:AssetsCurrent | $385.8M | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 17 | current liabilities | us-gaap:LiabilitiesCurrent | $609.5M | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 18 | retained earnings | us-gaap:RetainedEarningsAccumulatedDeficit | -$46.9M | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 19 | liabilities | us-gaap:Liabilities | $4.9B | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 20 | depreciation amortization | us-gaap:DepreciationDepletionAndAmortization | $296.3M | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 21 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $2.6B | 2024-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 22 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $2.2B | 2023-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 23 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $1.8B | 2022-12-31 | 2025-02-27 | 10-K | filing · viewer · series |
| 24 | capital expenditure | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment | $891.5M | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 25 | current assets | us-gaap:AssetsCurrent | $171.0M | 2024-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 26 | current liabilities | us-gaap:LiabilitiesCurrent | $520.1M | 2024-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 27 | assets | us-gaap:Assets | $7.0B | 2023-12-31 | 2025-02-27 | 10-K | filing · viewer · series |
| 28 | assets | us-gaap:Assets | $6.6B | 2022-12-31 | 2024-02-28 | 10-K | filing · viewer · series |
| 29 | shares outstanding | dei:EntityCommonStockSharesOutstanding | 221,805,082 | 2026-02-20 | 2026-02-24 | 10-K | filing · viewer · series |
| 30 | shares outstanding | dei:EntityCommonStockSharesOutstanding | 209,592,785 | 2025-02-24 | 2025-02-27 | 10-K | filing · viewer · series |
| 31 | shares outstanding | dei:EntityCommonStockSharesOutstanding | 223,461,948 | 2026-07-27 | 2026-07-30 | 10-Q | filing · viewer · series |
| 32 | net income | us-gaap:NetIncomeLoss | $156.2M | 2024-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 33 | long term debt | us-gaap:LongTermDebtNoncurrent | $1.5B | 2025-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 34 | long term debt | us-gaap:LongTermDebtNoncurrent | $1.5B | 2024-12-31 | 2026-02-24 | 10-K | filing · viewer · series |
| 35 | cash | us-gaap:CashAndCashEquivalentsAtCarryingValue | $223.6M | 2026-06-30 | 2026-07-30 | 10-Q | filing · viewer · series |
| 36 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $408.4M | 2026-06-30 | 2026-07-30 | 10-Q | filing · viewer · series |
| 37 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $198.8M | 2026-03-31 | 2026-05-05 | 10-Q | filing · viewer · series |
| 38 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $630.7M | 2025-09-30 | 2025-11-04 | 10-Q | filing · viewer · series |
| 39 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $379.6M | 2025-06-30 | 2026-07-30 | 10-Q | filing · viewer · series |
Limitations [top]
Grade boundary. Percentile 55.2 is 4.8 points from the nearest band edge; sampling error is 2.6 points.
Peer group. Sector assignment from four-digit SIC codes, hand-tuned and published. The grade under three alternative peer policies is tabled above.
Size. Within a sector the letter tracks size. Among graded filers in the smallest asset band, 72% grade E and 0% grade A; in the largest, 13% grade E and 21% grade A. Universe as of Oct 9, 2026.
Failure model. filings 2012-01-01 to 2019-12-31 fit, filings 2020-01-01 to 2025-12-31 test; status post hoc pending confirmation. pre-registered on 2026 filings once their 12-month outcome windows close; supported if the paired per-quintile gain over the pooled model has a lower bound above 0.05.
Input validity. Revenue or total assets at or below $100,000 sets the degenerate-inputs flag. An input whose denominator is at or below $100,000 is left not computable rather than ranked.
Returns. No input on this page has a post-2015 confidence interval on returns that excludes zero. The grade ranks reported financial condition and is not a return forecast.
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