WallStSmart

Life Time Group Holdings Inc (LTH)vsMercadoLibre Inc. (MELI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

MercadoLibre Inc. generates 865% more annual revenue ($28.89B vs $3.00B). LTH leads profitability with a 12.5% profit margin vs 6.9%. LTH trades at a lower P/E of 15.8x. LTH earns a higher WallStSmart Score of 66/100 (B-).

LTH

Strong Buy

66

out of 100

Grade: B-

Growth: 8.0Profit: 6.5Value: 5.0Quality: 4.0
Piotroski: 6/9Altman Z: 0.89

MELI

Buy

62

out of 100

Grade: C+

Growth: 7.3Profit: 6.5Value: 7.3Quality: 5.3
Piotroski: 2/9Altman Z: 2.04
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LTHSignificantly Overvalued (-26.3%)

Margin of Safety

-26.3%

Fair Value

$23.51

Current Price

$26.23

$2.72 premium

UndervaluedFair: $23.51Overvalued
MELIUndervalued (+59.5%)

Margin of Safety

+59.5%

Fair Value

$4981.85

Current Price

$1792.63

$3189.22 discount

UndervaluedFair: $4981.85Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LTH3 strengths · Avg: 8.7/10
EPS GrowthGrowth
220.0%10/10

Earnings expanding 220.0% YoY

P/E RatioValuation
15.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

MELI5 strengths · Avg: 9.0/10
Return on EquityProfitability
36.0%10/10

Every $100 of equity generates 36 in profit

Revenue GrowthGrowth
44.6%10/10

Revenue surging 44.6% year-over-year

Market CapQuality
$90.88B9/10

Large-cap with strong market position

PEG RatioValuation
0.838/10

Growing faster than its price suggests

Free Cash FlowQuality
$4.78B8/10

Generating 4.8B in free cash flow

Areas to Watch

LTH3 concerns · Avg: 2.3/10
Debt/EquityHealth
1.383/10

Elevated debt levels

Free Cash FlowQuality
$-64.64M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.892/10

Distress zone — elevated risk

MELI4 concerns · Avg: 3.0/10
Price/BookValuation
13.5x4/10

Trading at 13.5x book value

Profit MarginProfitability
6.9%3/10

6.9% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

P/E RatioValuation
45.5x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : LTH

The strongest argument for LTH centers on EPS Growth, P/E Ratio, Price/Book. Revenue growth of 12.3% demonstrates continued momentum.

Bull Case : MELI

The strongest argument for MELI centers on Return on Equity, Revenue Growth, Market Cap. Revenue growth of 44.6% demonstrates continued momentum. PEG of 0.83 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 : MELI

The primary concerns for MELI are Price/Book, Profit Margin, Piotroski F-Score. A P/E of 45.5x leaves little room for execution misses.

Key Dynamics to Monitor

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

LTH carries more volatility with a beta of 1.65 — expect wider price swings.

MELI is growing revenue faster at 44.6% — sustainability is the question.

MELI generates stronger free cash flow (4.8B), providing more financial flexibility.

Bottom Line

LTH scores higher overall (66/100 vs 62/100) and 12.3% revenue growth. MELI offers better value entry with a 59.5% margin of safety. Both earn "Strong 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.

MercadoLibre Inc.

CONSUMER CYCLICAL · INTERNET RETAIL · USA

MercadoLibre, Inc. operates online trading platforms in Latin America. The company is headquartered in Buenos Aires, Argentina.

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