📊 FTLF Key Takeaways
Is Fitlife Brands, Inc.. (FTLF) a Good Investment?
FitLife Brands faces acute financial distress with a catastrophic 75% YoY revenue decline, leaving the company vulnerable despite maintaining positive profitability and cash flow. The combination of $46.5M long-term debt against only $1.2M cash reserves and $45.4M equity creates an unsustainable capital structure. Refinancing risk is elevated and the company's ability to service debt and fund operations is increasingly compromised.
FitLife Brands shows strong fundamental momentum, with revenue up 22.3% year over year and net income up 69.6%, indicating improving operating leverage and solid demand quality. Profitability is healthy across gross, operating, and free cash flow margins, and interest coverage is strong, but balance sheet leverage and tight liquidity keep the story from being higher conviction. Overall, the fundamentals support a positive view if earnings growth and cash generation remain durable.
Fitlife Brands, Inc.. Key Strengths (FTLF)
- Positive free cash flow of $2.5M despite revenue collapse shows ability to preserve cash
- Gross margin of 37.6% remains stable, indicating pricing power in core product line
- Interest coverage ratio of 7.4x demonstrates current ability to service debt obligations
- Strong top-line and bottom-line growth, with revenue up 22.3% and net income up 69.6% year over year
- Healthy profitability profile, including 40.5% gross margin, 14.0% operating margin, and 12.9% free cash flow margin
- Cash generation is solid relative to earnings, with $7.20M operating cash flow and minimal capital expenditure
FTLF Stock Risks: Fitlife Brands, Inc.. Investment Risks
- Severe revenue decline of 75.3% YoY indicates fundamental business deterioration or market loss
- Critical liquidity crisis with only $1.2M cash against $46.5M debt and 1.02x debt-to-equity ratio creates refinancing and covenant violation risk
- Quick ratio of 0.49x reveals heavy inventory dependence; company may struggle to meet short-term obligations if sales continue declining
- Zero capital expenditure suggests operational retrenchment; minimal investment capacity for growth or competitiveness
- Leverage is meaningful, with debt/equity of 1.11x and $46.46M in long-term debt
- Liquidity is tight, shown by a 1.13x current ratio and weak 0.46x quick ratio
- Return metrics are only moderate, with ROE of 11.2% and ROA of 4.3%, leaving less room if growth slows
Key Metrics to Watch
- Sequential revenue trend in next quarter - must stabilize or show recovery trajectory
- Cash balance and cash burn rate relative to debt service obligations
- Debt covenant compliance and any refinancing announcements
- Debt reduction and improvement in quick ratio/current ratio
- Sustainability of revenue growth and free cash flow conversion
Fitlife Brands, Inc.. (FTLF) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Fitlife Brands, Inc.. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
FTLF Profit Margin, ROE & Profitability Analysis
FTLF vs Materials Sector: How Fitlife Brands, Inc.. Compares
How Fitlife Brands, Inc.. compares to Materials sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Fitlife Brands, Inc.. Stock Overvalued? FTLF Valuation Analysis 2026
Based on fundamental analysis, Fitlife Brands, Inc.. has mixed fundamental signals relative to the Materials sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Fitlife Brands, Inc.. Balance Sheet: FTLF Debt, Cash & Liquidity
FTLF Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Fitlife Brands, Inc..'s revenue has grown significantly by 192% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.91 reflects profitable operations.
FTLF Revenue Growth, EPS Growth & YoY Performance
FTLF Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $15.9M | $1.7M | $0.17 |
| Q3 2025 | $16.0M | $921.0K | $0.09 |
| Q2 2025 | $16.1M | $1.7M | $0.18 |
| Q1 2025 | $15.9M | $2.0M | $0.20 |
| Q3 2024 | $13.9M | $1.7M | $0.35 |
| Q2 2024 | $14.8M | $2.0M | $0.40 |
| Q1 2024 | $10.7M | $156.0K | $0.03 |
| Q3 2023 | $8.3M | $1.2M | $0.24 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Fitlife Brands, Inc.. Dividends, Buybacks & Capital Allocation
FTLF SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Fitlife Brands, Inc.. (CIK: 0001374328)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FTLF
What is the AI rating for FTLF?
Fitlife Brands, Inc.. (FTLF) has a Combined AI Grade of C from Claude (D) and ChatGPT (A) with 80% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FTLF's key strengths?
Claude: Positive free cash flow of $2.5M despite revenue collapse shows ability to preserve cash. Gross margin of 37.6% remains stable, indicating pricing power in core product line. ChatGPT: Strong top-line and bottom-line growth, with revenue up 22.3% and net income up 69.6% year over year. Healthy profitability profile, including 40.5% gross margin, 14.0% operating margin, and 12.9% free cash flow margin.
What are the risks of investing in FTLF?
Claude: Severe revenue decline of 75.3% YoY indicates fundamental business deterioration or market loss. Critical liquidity crisis with only $1.2M cash against $46.5M debt and 1.02x debt-to-equity ratio creates refinancing and covenant violation risk. ChatGPT: Leverage is meaningful, with debt/equity of 1.11x and $46.46M in long-term debt. Liquidity is tight, shown by a 1.13x current ratio and weak 0.46x quick ratio.
What is FTLF's revenue and growth?
Fitlife Brands, Inc.. reported revenue of $25.3M.
Does FTLF pay dividends?
Fitlife Brands, Inc.. does not currently pay dividends.
Where can I find FTLF SEC filings?
Official SEC filings for Fitlife Brands, Inc.. (CIK: 0001374328) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FTLF's EPS?
Fitlife Brands, Inc.. has a diluted EPS of $0.17.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is FTLF's fundamental grade?
Based on our AI fundamental analysis in June 2026, Fitlife Brands, Inc.. has a C grade with 80% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is FTLF stock overvalued or undervalued?
Valuation metrics for FTLF: ROE of 3.8% (sector avg: 14%), net margin of 6.8% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
What is FTLF's AI grade for 2026?
Our dual AI analysis gives Fitlife Brands, Inc.. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is FTLF's free cash flow?
Fitlife Brands, Inc..'s operating cash flow is $2.5M, with capital expenditures of $0.0. FCF margin is 9.8%.
How does FTLF compare to other Materials stocks?
Vs Materials sector averages: Net margin 6.8% (avg: 10%), ROE 3.8% (avg: 14%), current ratio 1.52 (avg: 1.6).