LPLA
NEUTRAL
$321.89
Live
LPL Financial Holdings Inc. · NASDAQ
Target $405.14
(+25.9%)
$281.51
52W Range
$403.58
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 14, 2026
Market cap
$25.81B
P/E
29.5
ROE
20.9%
Profit margin
5.2%
Debt/Equity
1.42
Dividend yield
0.38%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
LPLA exhibits a stable financial foundation with a Piotroski F-Score of 5/9, though it currently trades at a significant premium to its Graham Number ($128.01) and Intrinsic Value ($151.65). The company demonstrates elite operational consistency, having beaten earnings estimates for nearly 25 consecutive quarters, and possesses a highly attractive PEG ratio of 0.42. However, the valuation gap, combined with bearish insider selling and a 0/100 technical trend, offsets the strong growth metrics. The stock appears to be a high-quality compounder that is currently overpriced based on deterministic value models but potentially undervalued based on forward-looking growth projections.
Key Strengths
Exceptional earnings track record with consistent beats over 25 quarters
Strong ROE of 20.86% indicating efficient capital utilization
Robust revenue growth (YoY 41.80%) and Q/Q momentum
Very low PEG ratio (0.42) suggesting growth is not fully priced in relative to earnings
Healthy liquidity position with a Current Ratio of 2.38
Key Risks
Significant valuation premium over Graham and Intrinsic value baselines
Bearish insider sentiment with multiple officer/president sales and zero buys
Technical trend is currently fully bearish (0/100)
Relatively high Debt/Equity ratio of 1.42
Negligible dividend yield (0.38%) providing little downside protection
AI Fair Value Estimate
Based on comprehensive analysis
$215.5
-33.1% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
60
Moderate
35
88
95
55
25
AI Verdict
Quality Growth at a Premium
Key drivers: Earnings consistency, Forward P/E compression, Valuation gap, Insider selling
Confidence
90%
Value
35/100
Ref P/E, PEG, Graham Number
Positives
- Forward P/E (11.35) is significantly lower than trailing P/E (29.50)
- PEG ratio of 0.42 is deeply undervalued
Watchpoints
- Current price ($321.89) is ~150% higher than Graham Number ($128.01)
- Price/Book of 4.82 is elevated
Future
88/100
Ref Growth rates
Positives
- Strong YoY revenue growth of 41.80%
- Positive Q/Q earnings growth of 11.10%
- Analyst target price of $405.14 suggests 25%+ upside
Watchpoints
- Earnings growth (4.60% YoY) lags significantly behind revenue growth
Past
95/100
Ref Historical trends
Positives
- Unmatched consistency in beating quarterly estimates
- Strong 5-year price appreciation (+123.1%)
Watchpoints
No urgent risks highlighted.
Health
55/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Piotroski F-Score of 5/9 indicates stability
- Strong Current and Quick ratios (>2.3)
Watchpoints
- Debt/Equity of 1.42 is slightly above sector average
- Altman Z-Score data unavailable for bankruptcy risk assessment
Dividend
25/100
Ref Yield, Payout
Positives
- Very low payout ratio (10.99%) suggests room for growth
Watchpoints
- Yield of 0.38% is unattractive for income investors
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$321.89
Analyst Target
$405.14
Upside/Downside
+25.9%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for LPLA and closest competitors.
Updated 2026-04-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
LPLA
LPL Financial Holdings Inc.
Primary
|
+123.1% | +60.7% | +3.9% | +1.5% | +11.4% | +9.3% |
|
CINF
Cincinnati Financial Corporation
Peer
|
+73.4% | +55.3% | +29.4% | -2.2% | -1.3% | +1.8% |
|
BRO
Brown & Brown, Inc.
Peer
|
+71.6% | +37.5% | -24.3% | -23.1% | -2.0% | -1.0% |
|
BAP
Credicorp Ltd.
Peer
|
+143.6% | +167.7% | +99.6% | +46.0% | +19.0% | +7.0% |
|
BCH
Banco de Chile
Peer
|
+195.7% | +165.5% | +92.4% | +56.3% | +13.2% | +7.7% |
LPL
LPL Financial Holdings Inc.
Primary
5Y
+123.1%
3Y
+60.7%
1Y
+3.9%
6M
+1.5%
1M
+11.4%
1W
+9.3%
CIN
Cincinnati Financial Corporation
Peer
5Y
+73.4%
3Y
+55.3%
1Y
+29.4%
6M
-2.2%
1M
-1.3%
1W
+1.8%
BRO
Brown & Brown, Inc.
Peer
5Y
+71.6%
3Y
+37.5%
1Y
-24.3%
6M
-23.1%
1M
-2.0%
1W
-1.0%
BAP
Credicorp Ltd.
Peer
5Y
+143.6%
3Y
+167.7%
1Y
+99.6%
6M
+46.0%
1M
+19.0%
1W
+7.0%
BCH
Banco de Chile
Peer
5Y
+195.7%
3Y
+165.5%
1Y
+92.4%
6M
+56.3%
1M
+13.2%
1W
+7.7%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
29.5
Forward P/E
11.35
PEG Ratio
0.42
P/B Ratio
4.82
P/S Ratio
1.56
EV/Revenue
1.84
EV/EBITDA
N/A
Market Cap
$25.81B
Profitability
Profit margins and return metrics
Profit Margin
5.2%
Operating Margin
10.07%
Gross Margin
30.86%
ROE
20.86%
ROA
5.43%
Growth
Revenue and earnings growth rates
Revenue Growth
+41.8%
Earnings Growth
+4.6%
Q/Q Revenue Growth
+40.43%
Q/Q Earnings Growth
+11.1%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
1.42
Moderate
Current Ratio
2.38
Strong
Quick Ratio
2.31
Excellent
Cash/Share
$35.78
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$4.9B
Gross Margin
23.7%
Op. Margin
10.2%
Net Margin
6.1%
Total Assets
$18.5B
Liabilities
$13.1B
Equity
$5.3B
Debt/Equity
2.46x
Operating CF
$0.8B
CapEx
$-0.2B
Free Cash Flow
$0.6B
FCF Yield
78%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-30
$N/A
2026-01-29
$5.23
+6.8% surprise
2025-10-30
$5.2
+15.8% surprise
2025-07-31
$4.51
+7.1% surprise
Financial Services Sector Comparison
Comparing LPLA against 404 companies in the Financial Services sector
(68 bullish, 175 neutral, 161 bearish)
P/E Ratio
29.5
This Stock
vs
49.16
Sector Avg
-40.0%
(Discount)
Return on Equity (ROE)
20.86%
This Stock
vs
-0.06%
Sector Avg
-34123.9%
(Below Avg)
Profit Margin
5.2%
This Stock
vs
60.11%
Sector Avg
-91.3%
(Weaker)
Debt to Equity
1.42
This Stock
vs
1.3
Sector Avg
+8.9%
(Higher)
Revenue Growth
41.8%
This Stock
vs
42.19%
Sector Avg
-0.9%
(Slower)
Current Ratio
2.38
This Stock
vs
3.33
Sector Avg
-28.7%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
LPLA
LPL Financial Holdings Inc.
|
NEUTRAL | $25.81B | 29.5 | 20.9% | 5.2% | $321.89 | |
|
CINF
Cincinnati Financial Corporation
|
BULLISH | $24.94B | 10.56 | 16.0% | 18.9% | $160.18 | Compare |
|
BRO
Brown & Brown, Inc.
|
NEUTRAL | $27.03B | 23.78 | 10.7% | 18.7% | $79.18 | Compare |
|
BAP
Credicorp Ltd.
|
NEUTRAL | $27.33B | 14.35 | 18.5% | 31.6% | $344.33 | Compare |
|
BCH
Banco de Chile
|
BEARISH | $21.82B | 15.0 | 20.9% | 45.1% | $43.2 | Compare |
LPLA
LPL Financial...
NEUTRAL
Mkt Cap
$25.8B
P/E
29.5
ROE
20.9%
Price
$321.89
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-24 | MNOOKIN ALLISON H | Director | Stock Award | 3 | - |
| 2026-03-24 | THOMAS COREY E | Director | Stock Award | 7 | - |
| 2026-03-24 | PUTNAM JAMES S | Director | Stock Award | 10 | - |
| 2026-03-24 | EBERHART H PAULETT | Director | Stock Award | 5 | - |
| 2026-03-24 | GLAVIN WILLIAM FRANCIS JR | Director | Stock Award | 15 | - |
| 2026-03-24 | BERNARD EDWARD C | Director | Stock Award | 4 | - |
| 2026-03-24 | SCHIFTER RICHARD P | Director | Stock Award | 19 | - |
| 2026-03-10 | COHEN MARC ELIOT | Officer | Sale | 3,300 | $1,019,996 |
| 2026-03-09 | COHEN MARC ELIOT | Officer | Option Exercise | 2,212 | $171,496 |
| 2026-03-02 | JAMBUSARIA ANERI | Officer | Sale | 308 | $94,248 |
| 2026-02-26 | AUDETTE MATTHEW J | President | Sale | 1,581 | $506,715 |
| 2026-02-26 | ENYEDI MATTHEW | Officer | Sale | 2,109 | $675,192 |
| 2026-02-25 | AUDETTE MATTHEW J | President | Stock Award | 8,776 | - |
| 2026-02-25 | STEINMEIER RICHARD | Chief Executive Officer | Stock Award | 12,781 | - |
| 2026-02-25 | ENYEDI MATTHEW | Officer | Stock Award | 3,975 | - |
MNOOKIN ALLISON H
Director
2026-03-24
3 shares
THOMAS COREY E
Director
2026-03-24
7 shares
PUTNAM JAMES S
Director
2026-03-24
10 shares
EBERHART H PAULETT
Director
2026-03-24
5 shares
GLAVIN WILLIAM FRANCIS JR
Director
2026-03-24
15 shares
BERNARD EDWARD C
Director
2026-03-24
4 shares
SCHIFTER RICHARD P
Director
2026-03-24
19 shares
COHEN MARC ELIOT
Officer
2026-03-10
3,300 shares
·
$1,019,996
COHEN MARC ELIOT
Officer
2026-03-09
2,212 shares
·
$171,496
JAMBUSARIA ANERI
Officer
2026-03-02
308 shares
·
$94,248
AUDETTE MATTHEW J
President
2026-02-26
1,581 shares
·
$506,715
ENYEDI MATTHEW
Officer
2026-02-26
2,109 shares
·
$675,192
AUDETTE MATTHEW J
President
2026-02-25
8,776 shares
STEINMEIER RICHARD
Chief Executive Officer
2026-02-25
12,781 shares
ENYEDI MATTHEW
Officer
2026-02-25
3,975 shares
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning LPLA from our newsroom.
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