LPLA · NASDAQ · STOCK
LPL Financial Holdings (LPLA) Stock Analysis
$330.74
52W $260.15 – $400.16
56/100
$26.46B
26.3
0.48
Is LPLA Bullish or Bearish?
Mixed.
Innellis AI committee rates LPL Financial Holdings Inc. (LPLA) Watch with a composite score of 56/100
, based on 6 analysts with 50% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +3.64 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -16.36 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 38.8% yoy -- genuine top-line momentum. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- ROE of 18.4% shows genuine earnings power backing the valuation — Value
- Revenue growing 38.8% YoY -- genuine top-line momentum — Growth
- 4 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
- News sentiment is positive (+0.20 across 27 articles, 14d) — News
Bear Case
- P/E of 25.7 is moderate-to-rich — Value
- Price-to-book of 5.3x prices in significant intangible value — Value
- EPS declining -14.2% YoY despite any revenue growth — Growth
- Bollinger bandwidth of 16.3% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
56/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 71%
of 211 Financial Services peers
Value Analyst
neutral
48
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
+ ROE of 18.4% shows genuine earnings power backing the valuation
− P/E of 25.7 is moderate-to-rich
Growth Analyst
bullish
68
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 38.8% YoY -- genuine top-line momentum
− EPS declining -14.2% YoY despite any revenue growth
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Bollinger bandwidth of 16.3% signals elevated volatility
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 27 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 56.0 to 56.4.
- New bearish signals: 2 appeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Risk Analyst: +1 bearish signal(s).
- Value Analyst: +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
59.0
Neutral
MACD Histogram
2.912
Bullish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Mixed
Support
$310.74
Resistance
$339.96
Bollinger %B
0.67
Inside Bands
Price vs Moving Averages
EMA 9
$324.50
Above
EMA 21
$327.00
Above
EMA 50
$332.41
Below
EMA 200
$331.01
Below
Fundamental Analysis
Valuation
69
Growth
82
Profitability
42
Financial Health
80
Cash Flow
15
Valuation
P/E Ratio
26.3×
P/B Ratio
4.60×
PEG Ratio
-1.82
Dividend Yield
0.36%
52W High
$400.16
52W Low
$260.15
Quality & Growth
ROE
1614.8%
ROA
466.7%
Gross Margin
2519.1%
Operating Margin
1070.0%
Revenue Growth YoY
—
Debt / Equity
1.30
AI Fundamental Assessment
P/E ratio of 26.3 (moderate relative to a 15-40x range); Price-to-book of 4.6x; PEG ratio of -1.8 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 16.1%; Return on assets of 4.7%; Net margin of 5.1%; Gross margin of 25.2%; Current ratio of 2.46 (healthy short-term liquidity); Debt-to-equity of 1.30; Free cash flow per share is negative (-13.19); Most recent quarter beat estimates by 6.0%; 4 consecutive earnings beats; EPS growth accelerating (+0.0% -> +4.3% QoQ); Analyst estimates rising over recent quarters
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