📊 WDLF Key Takeaways
Is Decentral Life, Inc. (WDLF) a Good Investment?
Decentral Life exhibits a structurally unprofitable business model with -32.3% net margins and -36.2% ROE despite strong gross margins, indicating excessive operating costs relative to revenue. While the balance sheet is fortress-like with zero debt and excellent liquidity, the company's 489.1K revenue base combined with stale data (September 2023) and absence of operational improvements create significant uncertainty about viability.
Why Buy Decentral Life, Inc. Stock? WDLF Key Strengths
- Excellent liquidity position with 7.15x current and quick ratios
- Clean balance sheet with zero debt and positive stockholders equity of 435.8K
- Strong gross margin of 91% suggests viable underlying product/service pricing
- Positive operating cash flow of 12.5K and positive free cash flow despite net losses
WDLF Stock Risks: Decentral Life, Inc. Investment Risks
- Deeply unprofitable with -32.3% net margin and -36.2% ROE destroying shareholder value
- Operating expenses significantly exceed gross profit (91% gross margin vs -32.3% operating margin), indicating unsustainable cost structure
- Financial data is extremely stale at September 2023, nearly 2.5 years old with unknown current trajectory
- Micro-cap company with only 489.1K annual revenue provides minimal financial runway despite positive cash flow
- Zero Form 4 insider filings in last 90 days suggests no management confidence in company direction
Key Metrics to Watch
- Quarterly revenue trend and year-over-year growth rates
- Operating expense ratio and path to operating profitability
- Cash runway calculations based on current burn rate relative to 77.9K cash position
- Gross margin sustainability and operating leverage improvements
Decentral Life, Inc. (WDLF) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 2.5% FCF margin may limit capital allocation flexibility. Strong liquidity with a 7.15x current ratio provides a solid financial cushion.
WDLF Profit Margin, ROE & Profitability Analysis
WDLF vs Finance Sector: How Decentral Life, Inc. Compares
How Decentral Life, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Decentral Life, Inc. Stock Overvalued? WDLF Valuation Analysis 2026
Based on fundamental analysis, Decentral Life, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Decentral Life, Inc. Balance Sheet: WDLF Debt, Cash & Liquidity
WDLF Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Decentral Life, Inc.'s revenue has grown significantly by 96% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.00 indicates the company is currently unprofitable.
WDLF Revenue Growth, EPS Growth & YoY Performance
WDLF Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2023 | $173.2K | -$17.7K | $0.00 |
| Q2 2023 | $140.0K | $8.9K | $0.00 |
| Q1 2023 | $142.8K | -$50.3K | $0.00 |
| Q3 2022 | $84.9K | -$17.7K | $0.00 |
| Q2 2022 | $90.0K | $8.9K | $0.00 |
| Q1 2022 | $62.5K | -$50.3K | $0.00 |
| Q3 2021 | $69.6K | -$17.7K | N/A |
| Q2 2021 | $69.8K | -$97.7K | $0.00 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Decentral Life, Inc. Dividends, Buybacks & Capital Allocation
WDLF SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Decentral Life, Inc. (CIK: 0001281984)
📋 Recent SEC Filings
❓ Frequently Asked Questions about WDLF
What is the AI rating for WDLF?
Decentral Life, Inc. (WDLF) has an AI rating of SELL with 45% confidence, based on fundamental analysis of SEC EDGAR filings.
What are WDLF's key strengths?
Claude: Excellent liquidity position with 7.15x current and quick ratios. Clean balance sheet with zero debt and positive stockholders equity of 435.8K.
What are the risks of investing in WDLF?
Claude: Deeply unprofitable with -32.3% net margin and -36.2% ROE destroying shareholder value. Operating expenses significantly exceed gross profit (91% gross margin vs -32.3% operating margin), indicating unsustainable cost structure.
What is WDLF's revenue and growth?
Decentral Life, Inc. reported revenue of $489.2K.
Does WDLF pay dividends?
Decentral Life, Inc. does not currently pay dividends.
Where can I find WDLF SEC filings?
Official SEC filings for Decentral Life, Inc. (CIK: 0001281984) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is WDLF's EPS?
Decentral Life, Inc. has a diluted EPS of $0.00.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is WDLF a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Decentral Life, Inc. has a SELL rating with 45% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is WDLF stock overvalued or undervalued?
Valuation metrics for WDLF: ROE of -36.2% (sector avg: 12%), net margin of -32.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy WDLF stock in 2026?
Our dual AI analysis gives Decentral Life, Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is WDLF's free cash flow?
Decentral Life, Inc.'s operating cash flow is $12.5K, with capital expenditures of N/A. FCF margin is 2.5%.
How does WDLF compare to other Finance stocks?
Vs Finance sector averages: Net margin -32.3% (avg: 25%), ROE -36.2% (avg: 12%), current ratio 7.15 (avg: 1.2).