Life Time Group Holdings, Inc. (LTH) Fair Value 2026

LTH · Services-Membership Sports & Recreation Clubs ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.6 /10

32 fundamental signals · 13 models active

Value Trap Risk

SAFE (24/100)

Quick Summary — As of 2026-07-13, Life Time Group Holdings, Inc. (LTH) trades at $41.47, approximately 312% above CirclFi’s Bayesian DCF fair value of $10.08. QOC: 7.6/10. Value Trap Risk: 24/100 (SAFE). 13/13 models active.

Key Facts

Ticker
LTH
Price
$41.47
Quality Score
7.6/10
Value Trap Risk
24/100
Models Active
13/13
Last Updated
Strength: 13 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Valuation Matrix

13 Intrinsic Value Models vs. Current Price ($41.47)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
High Conviction
$10.08 -75.7%
Earnings Power Value
Medium Conviction
$7.43 -82.1%
CUCE Ensemble
Low Conviction
$21.76 -47.5%
First Chicago
High Conviction
$26.33 -36.5%

Unlock the Full Matrix

Access 9 additional models including EROIC Spread, Markov DDM, and more.

$1.30 / day

Billed monthly ($39/mo) or annually ($299/yr)

Unlock All 13 Models →

Cancel anytime · No contracts · Instant access

What Is Life Time Group Holdings, Inc. (LTH) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Life Time Group Holdings, Inc.'s intrinsic value is estimated at $21.50. Trading at its current price of $41.47, the valuation engine raises significant caution: 13 of 13 models flag downside risk, projecting an average implied return of -48.2%. Notably, PWERM sees the most upside at -5.0% (fair value: $39.39), while Dynamic NAV is the most conservative at -89.6% ($4.30). The spread between these extremes — +84.6% — reveals how different analytical frameworks can reach starkly different conclusions. Among models with highest confidence, Markov DDM lean bearish — adding weight to the bearish side of the thesis.

What Do the Models Say About LTH?

13 of 13 models are currently active for LTH. All 13 active models suggest the stock trades above fair value. The Bayesian DCF estimates LTH's intrinsic value at $10.08, implying -75.7% downside from the current price. See which stocks rank higher →

How Does LTH Rank in Services-Membership Sports & Recreation Clubs?

Among 3 Services-Membership Sports & Recreation Clubs stocks, LTH ranks #2 by Quality of Company score. CirclFi's QOC score of 7.6/10 evaluates 32 fundamental signals. A score of 7.6 indicates above-average quality.

Life Time Group Holdings, Inc. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.

Is LTH a Value Trap?

CirclFi's Value Trap algorithm assigns LTH a score of 24/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

13 of 13 models are active for Life Time Group Holdings, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Life Time Group Holdings, Inc. earns a quality score of 7.6/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +84.6% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every LTH valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across LTH's 13 active models, average confidence is 48%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Life Time Group Holdings, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Services-Membership Sports & Recreation Clubs Stocks Should You Also Analyze?

2 related Services-Membership Sports & Recreation Clubs stocks with 13-model coverage

Read investment analysis: OSW · PLNT

Frequently Asked Questions About Life Time Group Holdings, Inc.

What is Life Time Group Holdings, Inc.'s intrinsic value in 2026?

Based on CirclFi's 13-model analysis, Life Time Group Holdings, Inc. (LTH) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $10.08. The Quality of Company score is 7.6/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is LTH overvalued or undervalued right now?

At $41.47, 0 of 13 active models suggest LTH may be undervalued, while 13 indicate potential overvaluation. The assessment depends on which methodology best fits Life Time Group Holdings, Inc.'s business model in Services-Membership Sports & Recreation Clubs.

What does a Quality of Company score of 7.6 mean for LTH?

Life Time Group Holdings, Inc.'s QOC of 7.6/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on LTH?

CirclFi analyzes LTH with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 13 of 13 are active for this stock. Read the full methodology →

Is LTH a value trap in 2026?

Life Time Group Holdings, Inc.'s Value Trap score is 24/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

You’ve done the research. Don’t stop at half the picture.

Stop collecting opinions. Let 13 mathematical frameworks give you clarity on LTH.

Unlock All 13 Fair Values — $39/mo

Cancel anytime · Less than a cup of coffee · Instant access