WallStSmart

Life Time Group Holdings Inc (LTH)vsSea Ltd (SE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sea Ltd generates 771% more annual revenue ($27.72B vs $3.18B). LTH leads profitability with a 13.0% profit margin vs 5.9%. LTH trades at a lower P/E of 23.2x. LTH earns a higher WallStSmart Score of 61/100 (C+).

LTH

Buy

61

out of 100

Grade: C+

Growth: 8.0Profit: 6.5Value: 5.3Quality: 3.5
Piotroski: 5/9Altman Z: 0.82

SE

Buy

56

out of 100

Grade: C

Growth: 8.7Profit: 5.5Value: 6.7Quality: 6.5
Piotroski: 6/9Altman Z: 1.53
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for LTH.

SEUndervalued (+56.1%)

Margin of Safety

+56.1%

Fair Value

$260.75

Current Price

$106.24

$154.51 discount

UndervaluedFair: $260.75Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LTH2 strengths · Avg: 8.0/10
Price/BookValuation
2.8x8/10

Reasonable price relative to book value

EPS GrowthGrowth
40.6%8/10

Earnings expanding 40.6% YoY

SE3 strengths · Avg: 9.0/10
Revenue GrowthGrowth
48.1%10/10

Revenue surging 48.1% year-over-year

Market CapQuality
$65.07B9/10

Large-cap with strong market position

Free Cash FlowQuality
$1.15B8/10

Generating 1.1B in free cash flow

Areas to Watch

LTH3 concerns · Avg: 2.3/10
Debt/EquityHealth
1.293/10

Elevated debt levels

Free Cash FlowQuality
$-53.70M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.822/10

Distress zone — elevated risk

SE3 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.534/10

Distress zone — elevated risk

Profit MarginProfitability
5.9%3/10

5.9% margin — thin

P/E RatioValuation
41.5x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : LTH

The strongest argument for LTH centers on Price/Book, EPS Growth. Revenue growth of 13.7% demonstrates continued momentum.

Bull Case : SE

The strongest argument for SE centers on Revenue Growth, Market Cap, Free Cash Flow. Revenue growth of 48.1% demonstrates continued momentum. PEG of 1.04 suggests the stock is reasonably priced for its growth.

Bear Case : LTH

The primary concerns for LTH are Debt/Equity, Free Cash Flow, Altman Z-Score.

Bear Case : SE

The primary concerns for SE are Altman Z-Score, Profit Margin, P/E Ratio. A P/E of 41.5x leaves little room for execution misses.

Key Dynamics to Monitor

LTH profiles as a value stock while SE is a hypergrowth play — different risk/reward profiles.

SE carries more volatility with a beta of 1.52 — expect wider price swings.

SE is growing revenue faster at 48.1% — sustainability is the question.

SE generates stronger free cash flow (1.1B), providing more financial flexibility.

Bottom Line

LTH scores higher overall (61/100 vs 56/100) and 13.7% revenue growth. SE offers better value entry with a 56.1% margin of safety. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Life Time Group Holdings Inc

CONSUMER CYCLICAL · LEISURE · USA

Life Time Group Holdings, Inc. offers health, fitness and wellness experiences to a community of individual members in the United States and Canada. The company is headquartered in Chanhassen, Minnesota.

Sea Ltd

CONSUMER CYCLICAL · INTERNET RETAIL · USA

Sea Limited is engaged in the digital entertainment, e-commerce and digital financial services businesses in Southeast Asia, Latin America, the rest of Asia and internationally. The company is headquartered in Singapore.

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