LifeMD, Inc.
LFMDAbout the company
LifeMD, Inc. operates as a direct-to-patient telehealth company, engages in the provision of patients access to virtual medical care and pharmacy services in the United States.
Investment snapshot
Positive
2
BUY / PASS
Neutral / negative
5 / 9
NEUTRAL / FAIL
Median fair value
$2.51
+14.1% vs price
Models with upside
2 / 17
Positive margin of safety
Strongest signal
Models split on LFMD at $2.20 — fair values range $1.67–$4.93
Key risk
11 of 12 flag LFMD's debt & leverage — Graham, Buffett, Lynch +8 more
Framework analysis
| Verdict | Meaning |
|---|---|
| BUY | Positive purchase signal: the framework's buy requirements are met. |
| PASS | The company clears the framework's checklist or screen, but the framework does not produce a buy signal. For valuation frameworks this often means margin of safety is missing, insufficient, or unavailable; some screen-only frameworks have no intrinsic-value BUY state. |
| NEUTRAL | Neither a positive nor negative conclusion. It does not mean to hold an existing position. |
| FAIL | The company does not clear the framework's requirements. |
| Ranked | Ranked strategies do not use PASS: selected cohort is BUY, outside the cohort is FAIL, and unranked is NEUTRAL. |
Current investor scores use trailing 12-month flows and the latest balance sheet where supported. Multi-year and EPS tests retain annual history; each framework shows its financial basis below. Intrinsic values use annual financials.
| Metric | Graham Defensive Value | Buffett Quality Compounder | Lynch GARP | Greenblatt Magic Formula | Piotroski F-Score | Dreman Contrarian Value | Munger Quality Focus | Pabrai Dhandho Framework | Akre Three-Legged Stool | Marks Risk-Aware Value | Ackman Activist Value | Templeton Global Bargain Hunter | Sleep Scale Economies Shared | Asness Systematic Factors | Neff Low-P/E Total Return | Schloss Asset-Value Discipline | O'Shaughnessy Systematic Factor Composite |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Verdict | FAIL | FAIL | FAIL | Not ranked | NEUTRAL | FAIL | PASS | NEUTRAL | FAIL | FAIL | FAIL | NEUTRAL | PASS | NEUTRAL | FAIL | FAIL | NEUTRAL |
| Score | |||||||||||||||||
| Analysis | Checking access… | Checking access… | Checking access… | Checking access… | Checking access… | Checking access… | Checking access… | Checking access… | Checking access… | Checking access… | Checking access… | Checking access… | Checking access… | Checking access… | Checking access… | Checking access… | Checking access… |
| Intrinsic Value (annual) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | |||
| Margin of Safety | -31.7% | N/A | N/A | N/A | N/A | N/A | +12.4% | N/A | N/A | N/A | +55.4% | N/A | N/A | N/A | N/A | N/A | N/A |
| Financial Basis | TTM ended 2026-09-30 · Balance sheet at 2026-09-30 · Annual history · FY 2025 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | Annual history · FY 2025 Latest source filing: 2026-03-10 Score computed: 2026-11-14 | Annual history · FY 2025 · TTM ended 2026-09-30 vs 2025-09-30 · TTM ended 2026-09-30 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | Annual history · FY 2025 Latest source filing: 2026-03-10 Score computed: 2026-11-14 | Annual history · FY 2025 Latest source filing: 2026-03-10 Score computed: 2026-11-14 | Annual history · FY 2025 · TTM ended 2026-09-30 · Balance sheet at 2026-09-30 · Market data at 2026-11-01 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | Qualitative assessment · Annual history · FY 2025 Latest source filing: 2026-03-10 Score computed: 2026-11-14 | Qualitative assessment · Annual history · FY 2025 Latest source filing: 2026-03-10 Score computed: 2026-11-14 | Annual history · FY 2025 · Qualitative assessment · TTM ended 2026-09-30 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | Annual history · FY 2025 · Qualitative assessment Latest source filing: 2026-03-10 Score computed: 2026-11-14 | Annual history · FY 2025 · TTM ended 2026-09-30 · Market data at 2026-11-01 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | Annual history · FY 2025 · Price history 2025-01-01–2026-11-01 Latest source filing: 2026-03-10 Score computed: 2026-11-14 | Annual history · FY 2025 · Qualitative assessment Latest source filing: 2026-03-10 Score computed: 2026-11-14 | TTM ended 2026-09-30 · Balance sheet at 2026-09-30 · Price history 2025-01-01–2026-11-01 · Annual history · FY 2025 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | Annual history · FY 2025 · TTM ended 2026-09-30 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | Annual history · FY 2025 · Balance sheet at 2026-09-30 Latest source filing: 2026-11-12 Score computed: 2026-11-14 | TTM ended 2026-09-30 · Annual history · FY 2025 · Price history 2025-01-01–2026-11-01 Latest source filing: 2026-11-12 Score computed: 2026-11-14 |
Where It Passes
- Valuation models67% pass✓ 2✗ 1▾
Models split on LFMD at $2.20 — fair values range $1.67–$4.93
Graham fair value$1.67✗Graham-31.7% margin vs $2.20Munger fair value$2.51✓Munger+12.4% margin vs $2.20Ackman fair value$4.93✓Ackman+55.4% margin vs $2.20
Where It Falls Short
- Debt & Leverage8% pass✓ 1✗ 14▾
11 of 12 flag LFMD's debt & leverage — Graham, Buffett, Lynch +8 more
LT Debt vs Net Current Assets✗GrahamLT Debt <= Net Current AssetsDebt/Equity & Interest Coverage✗BuffettD/E < 0.5 AND Interest Coverage > 5xTotal Debt / Equity✗Lynch< 0.33Cash - Long-term Debt✗LynchPositive preferredLT Debt / Total Assets Change0.00% -> 0.00%✓PiotroskiDecreased YoYCurrent Assets / Current Liabilities0.80✗Dreman> 1.5✗SchlossCurrent ratio >= 1.50x (app cutoff)Total Debt / Shareholders' Equity✗Dreman< 0.8✗Templeton< 1.0 (fixed cap; proxy for below-sector-median leverage)✗SchlossD/E < 1.00xDebt Levels✗MungerDebt/Equity < 0.5✗AkreDebt/Equity < 0.3Interest Coverage & Debt/EBITDAIC=-5.6x, D/EBITDA=N/A (D&A unavailable)✗MarksInterest Coverage > 3x; Debt/EBITDA < 4xTotal Debt / Shareholders Equity✗Ackman<= 1.0Negative debt-to-equity (higher means less debt)✗AsnessTop 30% of eligible cross-section - Profitability13% pass✓ 7✗ 28▾
14 of 16 flag LFMD's profitability — Graham, Buffett, Lynch +11 more
Positive EPS (10 years)1/15 years positive✗GrahamPositive EPS every year for 10 yearsEPS Growth (3-yr avg, 10-yr window)✗Graham>= 33% growthNet Income Positive (10+ years)1/15 years positive✗BuffettPositive every year for 10+ yearsROE (up to 5-year arithmetic mean)-213.7%✗Buffett> 15% arithmetic mean (app rule)Operating Margin (10-yr trend)-4.0% (latest)✓BuffettStable or rising over 10 yearsFree Cash Flow Proxy✗BuffettPositive and growingEarnings Variance (10-yr CoV)✗BuffettCoV < 0.3Retained Earnings Effectiveness✗Buffett$1 retained -> > $1 market value createdBasic earnings-growth PEG (dividends excluded)P/E 8.8x (growth N/A)✗Lynch< 1.0 (ideally < 0.5)3-5 Year EPS CAGR✗Lynch15-30% (Fast Grower); > 0% to passROEN/A (negative equity)✗Lynch> 15%EBIT / Enterprise Value-11.1%✗Greenblatt> 10%Earnings Yield + ROC AssessmentEY=-11.1%, ROC=N/A (invested capital <= 0)✗GreenblattBoth EY > 10% and ROC > 25%Net Income / Total Assets20.39%✓PiotroskiROA > 0ROA Change YoY-28.13% -> 20.39% (delta: +48.52%)✓PiotroskiCurrent ROA > Prior ROA(CFO / Total Assets) vs ROACFO/Assets=11.76%, ROA=20.39%✗PiotroskiCFO/Assets > ROAGross Margin Change YoY86.2% -> 85.7%✗PiotroskiImproved YoYPre-Tax Income / Revenue-17.7%✗Dreman>= 8%Net Income / Shareholders' Equity✗Dreman> 12%Margin of SafetyP/E=8.8x, P/B=4.4x✓PabraiP/B < 1.5 or P/E < 15Return on Equity-264.5% (3-yr avg)✗AkreROE > 20% (3-year avg)Discount to Intrinsic Value✗Marks>= 20% below intrinsic valuePositive Net Income Frequency1/14 years positive✗MarksPositive net income in >= 7 of last 10 yearsOperating Income / Revenue-17.9%✗Ackman>= 15%Net Income / Shareholders Equity✗Ackman>= 15%5-Year EPS CAGR✗Templeton> 0% (5-year EPS CAGR)Operating Margin Trend-9.5% (2023) -> -4.0% (2025)✓TempletonNon-negative operating-margin trend over 3 yearsRevenue growth vs. gross and operating margin trendgross margin 87.6% -> 85.7%, operating margin -9.5% -> -4.0%✓SleepRevenue rising; gross margin flat or falling; operating margin holdingNet income / market capitalization-0.44%; #3301/6340 (top 52.1%)✗AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-sectionGross profit / total assets+189.27%; #41/3702 (top 1.1%)✓AsnessTop 30% of eligible cross-sectionNet income / positive book equity✗AsnessTop 30% of eligible cross-sectionNegative 5-year standard deviation of ROA-0.7122; #5135/5884 (top 87.3%)✗AsnessTop 30% of eligible cross-section3-5 Year Diluted EPS CAGR✗Neff7%-20% annualizedPositive Diluted-EPS Years✗Schloss>= 70% positive over 5-10 observed years (app rule) - Growth13% pass✓ 3✗ 10▾
7 of 8 flag LFMD's growth — Graham, Lynch, Dreman +4 more
EPS Growth (3-yr avg, 10-yr window)✗Graham>= 33% growthBasic earnings-growth PEG (dividends excluded)P/E 8.8x (growth N/A)✗Lynch< 1.0 (ideally < 0.5)3-5 Year EPS CAGR✗Lynch15-30% (Fast Grower); > 0% to passInventory Growth vs Revenue GrowthInv: 201.5% vs Rev: -40.9%✗LynchInventory growth < Revenue growthEPS Growth Direction✗DremanPositive over recent yearsEPS CAGR✗Dreman> 5% annualizedPositive Net Income Frequency1/14 years positive✗MarksPositive net income in >= 7 of last 10 years3yr Median Revenue Growth25.3%✓Ackman>= 5%Positive EPS Growth Frequency✗AckmanPositive EPS growth in >= 3 of last 5 years5-Year EPS CAGR✗Templeton> 0% (5-year EPS CAGR)Revenue growth vs. gross and operating margin trendgross margin 87.6% -> 85.7%, operating margin -9.5% -> -4.0%✓SleepRevenue rising; gross margin flat or falling; operating margin holding5-year Revenue CAGR39.1%✓SleepCAGR > 7%3-5 Year Diluted EPS CAGR✗Neff7%-20% annualized - Efficiency13% pass✓ 2✗ 9▾
7 of 8 flag LFMD's efficiency — Graham, Buffett, Greenblatt +4 more
Current Ratio0.80✗Graham>= 2.0ROIC (3-5 yr avg)-253.2%✗Buffett> 10%ROIC - WACC-263.2%✗BuffettPositive (WACC = 10%)EBIT / (NWC + Net Fixed Assets)N/A (invested capital <= 0)✗Greenblatt> 25%Current Ratio Change YoY0.78 -> 1.25✓PiotroskiIncreased YoYRevenue / Total Assets Change YoY2.03x -> 2.76x✓PiotroskiImproved YoYCurrent Assets / Current Liabilities0.80✗Dreman> 1.5Return on Invested Capital✗Munger> 15%ROIC (high and growing)FY2023: ROIC=-52.6%; FY2024: ROIC=-174.3%; FY2025: ROIC=unavailable✗AkreLatest 3 consecutive FYs: ROIC > 15% in eachReinvestment Rate x ROIC✗AkreReinvestment Rate * ROIC > 10%ROIC (5-year)0/3 years above 12% (latest -174.3%)✗SleepROIC > 12% in a majority of years - Verdicts18% pass✓ 2✗ 9▾
Split decision: 9 FAIL · 5 NEUTRAL · 2 PASS
Overall verdict✗GrahamFAIL (1/9)✗BuffettFAIL (1/9)✗LynchFAIL (0/7)•GreenblattNot ranked•PiotroskiNEUTRAL (F-Score 6)✗DremanFAIL (1/11)✓MungerPASS (2/4)•PabraiNEUTRAL (2/3)✗AkreFAIL (1/6)✗MarksFAIL (2/5)✗AckmanFAIL (3/9)•TempletonNEUTRAL (5/8)✓SleepPASS (3/6)•AsnessNEUTRAL (Not ranked)✗NeffFAIL (3/6)✗SchlossFAIL (1/7)•OshaughnessyNEUTRAL (Not ranked) - Cash Flow20% pass✓ 4✗ 8▾
8 of 10 flag LFMD's cash flow — Buffett, Lynch, Piotroski +5 more
Free Cash Flow Proxy✗BuffettPositive and growingFCF Positive and Growing$-11.2M✗LynchPositive and growingOperating Cash Flow$8.3M✓PiotroskiCFO > 0(CFO / Total Assets) vs ROACFO/Assets=11.76%, ROA=20.39%✗PiotroskiCFO/Assets > ROAPrice / (CFO / Shares)12.4x✗Dreman< 8xP/E or FCF YieldP/E=8.8x, FCF Yield=6.0%✓PabraiP/E < 15 or FCF Yield > 10%FCF Positive3/5 years FCF positive✓MarksPositive FCF in majority of recent years(OCF - CapEx) / Market Cap-10.9%✗Ackman>= 4%Price / FCF per Share16.0x✓Ackman<= 25Positive Operating Cash Flow frequency5/14 years positive✗SleepPositive OCF in >= 70% of available yearsOperating Cash Flow - Capital Expenditures$-11.2M✗Neff> $0 (app proxy for a strong fundamental case)(Operating cash flow - capex) / market capitalization-10.57%; #3254/4519 (top 72.0%)✗OshaughnessyTop 10% of eligible cross-section - Valuation23% pass✓ 8✗ 20▾
10 of 13 flag LFMD's valuation — Graham, Lynch, Greenblatt +7 more
Price / 3-yr avg EPS✗Graham<= 15xPrice-to-Book Ratio4.4x✗Graham<= 1.5xP/E x P/B✗Graham<= 22.5Basic earnings-growth PEG (dividends excluded)P/E 8.8x (growth N/A)✗Lynch< 1.0 (ideally < 0.5)EBIT / Enterprise Value-11.1%✗Greenblatt> 10%Earnings Yield + ROC AssessmentEY=-11.1%, ROC=N/A (invested capital <= 0)✗GreenblattBoth EY > 10% and ROC > 25%Price / EPS8.8x✓Dreman< 12x✓Templeton< 12x (fixed ceiling; proxy for the market's cheapest 40%)Price / (CFO / Shares)12.4x✗Dreman< 8xPrice / Book Value per Share4.4x✗Dreman< 1.2x✗Templeton< 1.5x✗SchlossP/B <= 0.80x (app cutoff)Valuation ReasonablenessP/E=8.8x✓MungerP/E < 25 or Owner Earnings Yield > 5%P/E or FCF YieldP/E=8.8x, FCF Yield=6.0%✓PabraiP/E < 15 or FCF Yield > 10%P/B or P/E vs. Historical AverageP/E=8.8x, P/B=4.4x✓MarksP/E < 15 or P/B < 2.0Discount to Intrinsic Value✗Marks>= 20% below intrinsic valuePrice / FCF per Share16.0x✓Ackman<= 25Price vs. Trailing Low100% of trailing low ($2.20)✓Templeton<= 120% of trailing low (certified split-adjusted live window)Net income / market capitalization-0.44%; #3301/6340 (top 52.1%)✗AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-sectionPositive book equity / market capitalization-0.0055; #5314/6449 (top 82.4%)✗AsnessTop 30% of eligible cross-sectionPrice / Diluted EPS8.8x✓NeffP/E <= 15x (app proxy for a P/E 40%-60% below the market)(EPS CAGR % + Dividend Yield %) / P/E✗Neff> 0.7 (Neff's published traditional edge)Price / Tangible Book Value per Share4.47x✗SchlossP/TBV <= 1.00x (app cutoff)Book Value per Share Change✗SchlossLatest BVPS >= earliest BVPS over >= 3 years (app rule)Revenue / market capitalization+1.4058; #1411/5247 (top 26.9%)✗OshaughnessyTop 10% of eligible cross-section(Operating cash flow - capex) / market capitalization-10.57%; #3254/4519 (top 72.0%)✗OshaughnessyTop 10% of eligible cross-sectionTrailing six-month price return through the evaluation date-48.60%; #5104/6202 (top 82.3%)✗OshaughnessyTop 10% of eligible cross-section
Business & financials
Financial snapshot: annual FY 2025. Current investor scores may use newer quarterly data.
Company Profile
Financial Snapshot
Shareholder Return
Fiscal 2025
Issued 10.6% of shares last year, 22.0% issued over two.
- Buybacks
- $270.0K
- Dividends
- $3.1M
Company Financials
Latest TTM and quarters alongside annual years
TTM sums four consecutive quarters and uses the latest quarter-end balances. Quarter columns show three-month results; annual columns show full-year totals. Growth compares the same period a year earlier. EPS is not added for TTM; full-year ratios are blank for quarters.
The latest annual period end is unavailable. Showing the latest fiscal cycle’s quarters; quarter and annual columns may overlap. Quarterly shows the full quarter history.
| Metric | TTM · 2026-09-30 2025-10-01 – 2026-09-30 Sources · derived quarter valuesDerived from cumulative filings: revenue, net income, operating income, gross profit, ebit, pre tax income, interest expense, operating cash flow, capex, dividends paid. | Q3 FY 2026 2026-07-01 – 2026-09-30 Sources · derived quarter valuesDerived from cumulative filings: operating cash flow, capex, dividends paid. | Q2 FY 2026 2026-04-01 – 2026-06-30 Sources · derived quarter valuesDerived from cumulative filings: operating cash flow, capex, dividends paid. | Q1 FY 2026 2026-01-01 – 2026-03-31 Sources | FY 2025Sources
| FY 2024Sources
| FY 2023Sources
| FY 2022Sources
| FY 2021Sources
|
|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $106.1Mcurrent | -- | -- | -- | $150.8Mest. | $234.4Mest. | $213.3Mest. | $62.6Mest. | $111.9Mest. |
| Revenue | $149.1M↓41% | $44.6M↓26% | $47.3M↓24% | $50.2M↓24% | $194.1M↑25% | $154.8M↑1% | $152.5M↑28% | $119.0M↑28% | $92.9M |
| Operating Income | -$26.7M↓4004% | -$4.5M↓127% | -$7.1M↓686% | -$8.9M↓451% | -$7.7M↑62% | -$20.4M↓41% | -$14.5M↑67% | -$43.4M↑20% | -$54.3M |
| Net Income | -$462.6K↑90% | -$4.5M↓17% | -$7.1M↓241% | -$8.9M↓741% | $14.4M↑167% | -$21.4M↓4% | -$20.6M↑55% | -$45.5M↑25% | -$60.9M |
| EPS (Diluted) | -- | $-0.11 | $-0.16 | $-0.20 | $0.25↑142% | $-0.60 | -- | -- | -- |
| Gross Margin | 84.1%↓3% | 81.5%↓7% | 88.8%↑1% | 88.2%↑2% | 85.7%↓1% | 86.2%↓2% | 87.6%↑4% | 84.3%↑5% | 80.6% |
| Operating Margin | -17.9%↓6705% | -10.0%↓206% | -15.1%↓935% | -17.8%↓560% | -4.0%↑70% | -13.2%↓39% | -9.5%↑74% | -36.5%↑38% | -58.5% |
| ROE | 79.8%↑123% | — | — | — | 62.0%↓74% | 235.7%↑140% | -587.6%↓247% | 399.6%↑249% | -267.8% |
| Total Debt | -- | -- | -- | -- | -- | $18.3M | $18.3M | $0↓100% | $63.4K |
| Shareholders' Equity | -$579.7K↓144% | -$579.7K↓144% | $8.0M↑547% | $15.0M↑746% | $23.2M↑355% | -$9.1M↓359% | $3.5M↑131% | -$11.4M↓150% | $22.7M |
| Current Ratio | 0.80↑10% | 0.80↑10% | 0.90↑17% | 1.04↑27% | 1.25↑60% | 0.78↓37% | 1.22↑240% | 0.36↓82% | 1.97 |
| Debt / Equity | — | — | — | — | — | -2.02↓139% | 5.21 | 0.00↓100% | 0.00 |
| Operating Cash Flow | -$10.7M↓182% | -$949.6K↓545% | -$6.9M↓180% | $444.6K↓86% | $8.3M↓53% | $17.5M↑99% | $8.8M↑138% | -$22.9M↑31% | -$33.1M |
| Free Cash Flow | -$11.2M↓200% | -$1.1M↓19% | -$7.0M↓189% | $339.4K↓88% | $6.4M↓60% | $16.0M↑86% | $8.6M↑137% | -$23.3M↑30% | -$33.3M |
Score history
Historical Score Timeline
Industry peers
Industry Peers
Similar companies in Healthcare
LFMD vs Peers — Financial Grading
| Company | Market Cap | Price | Revenue | Net Income | ROE | D/E | Op. Margin | Curr. Ratio | Graham | Buffett | Lynch | Greenblatt | Piotroski | Dreman |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| HCA Healthcare, Inc.HCA | $104.2B | $499.05 | $75.6B | $6.8B | -112.6% | -7.71 | 13.0% | 0.97 | 1/9 | 5/9 | 3/7 | 1/3 | F-Score 6 | 4/11 |
| TENET HEALTHCARE CORPTHC | $22.8B | $286.03 | $21.3B | $2.4B | 56.1% | 3.12 | 16.5% | 1.76 | 1/9 | 4/9 | 3/7 | 3/3 | F-Score 6 | 5/11 |
| Guardant Health, Inc.GH | $20.5B | $151.70 | $982.0M | $416.3M | 419.2% | -15.14 | -44.5% | 4.84 | 2/9 | 1/9 | 1/7 | 0/3 | F-Score 5 | 2/11 |
| EXACT SCIENCES CORPEXAS | $20.0B | $104.91 | $3.2B | $207.9M | -8.7% | 0.00 | -6.4% | 2.43 | 2/9 | 1/9 | 3/7 | 0/3 | F-Score 7 | 3/11 |
| Fresenius Medical Care AGFMS | $11.4B | $22.03 | $23.1B | $1.1B | 7.4% | 0.81 | 9.3% | 1.26 | 5/9 | 2/9 | 1/7 | 0/3 | F-Score 8 | 5/11 |
| UNIVERSAL HEALTH SERVICES INCUHS | $11.2B | $194.07 | $17.4B | $1.5B | 20.5% | 0.65 | 11.5% | 1.05 | 4/9 | 6/9 | 5/7 | 1/3 | F-Score 7 | 6/11 |
| DAVITA INC.DVA | $11.0B | $174.56 | $13.6B | $746.8M | -114.7% | -15.78 | 15.0% | 1.29 | 1/9 | 4/9 | 2/7 | 1/3 | F-Score 7 | 3/11 |
| CHEMED CORPCHE | $7.1B | $548.20 | $2.5B | $265.2M | 27.1% | — | 13.4% | 1.05 | 4/9 | 7/9 | 3/7 | 1/3 | F-Score 6 | 6/11 |