📊 AI Stock Rating — Summary

For the quarter ending September 30, 2025, LPLA reported a revenue of approximately $4.55 billion, demonstrating strong top-line sales. Despite this, the company faced a net loss, reporting a net income of -$29.5 million, resulting in a negative EPS of -$0.37. The company yielded a free cash flow of $56.3 million, reflecting some capability to generate cash, though free cash flow figures were not entirely robust. Notably, the prior quarter saw notable financial activities including a debt repayment of $1.5 billion and a substantial stock repurchase of $1.73 billion. LPLA maintains a strong balance sheet with assets totaling $18.03 billion, liabilities at $12.99 billion, and a healthy net cash position with $1.34 billion more cash than debt. Over the previous year, LPLA has maintained shareholder returns by paying $0.30 in dividends across four quarters. Furthermore, analyst price targets range notably between $420 and $475, with a median target of $455, indicating optimism about the company's future stock performance relative to current conditions.

AI Score Breakdown

Revenue Growth — Score: 8/10

LPLA achieved solid revenue growth, indicated by its quarterly revenue of $4.55 billion. This growth is robust but must be sustained to counteract current profitability issues.

Profitability — Score: 4/10

The company registered a net loss with an EPS of -$0.37. This signals pressures on profitability despite growing revenues. Focus is required on improving margin efficiency.

Cash Flow Quality — Score: 6/10

While LPLA reported positive free cash flow of $56.3 million, significant outflows for debt repayment and stock repurchase impacted liquidity. The operating cash flow remains stable.

Leverage & Balance Sheet — Score: 9/10

The balance sheet is strong with substantial assets and a net cash position of $1.34 billion. It demonstrates financial resilience and ability to manage its liabilities.

Shareholder Returns — Score: 7/10

LPLA has committed to regular shareholder returns with quarterly dividends of $0.30 and substantial stock buybacks. While 1-year price change is not provided, analyst optimism and these returns are positive indicators.

Analyst Sentiment & Valuation — Score: 7/10

Analyst targets suggest confidence in future price appreciation with a median target of $455. This points towards fair valuation potential. However, current metrics are unavailable to further evaluate value proposition.

⚠ AI-generated — informational only, not financial advice.