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Decentral Life, Inc.

WDLF · Other · $3M mkt cap · FY2022 filings · · Narrow moat ·

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Narrow moat
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The five investor questions

80

2018–2022 (latest 5 aligned FYs; v3 window cap 5): revenue $220592 to $944413, increasing; diluted EPS -0.04 to 0.00, increasing. Diluted EPS was derived from net income and diluted weighted-average shares in 2 years where the direct tag was absent. Latest-filed diluted EPS remains usable for Business Trend, but an integer share-count change lacks enough evidence to confirm a comparable EPS basis; valuation growth therefore stays at 0%.

81

Median gross margin 95.1% over 6y, variable.

18

Median ROIC -34882.2%, above the 12% hurdle in 50% of years.

100

Net cash position — no leverage risk.

—

Not enough owner-earnings history to score capital discipline.

The capitalDiscipline component abstained: Not enough owner-earnings history to score capital discipline. The other four 20% weights were renormalized over the scored 80%.

Price vs. value if growth stopped today

A cautious baseline, not a price target: what the shares may support if normalized owner earnings simply hold steady.

Above value if growth stopped todayBelow value if growth stopped today
No price data
Not reported
Unavailable — insufficient owner-earnings data
Unavailable — insufficient growth-model data
$0.00
No price data

This zero-growth estimate assumes trailing owner earnings persist — unreliable for declining businesses. The recent FY revenue series does not trigger the three-consecutive-declines flag.

Among the current top-score group, the median current price is 243% above the zero-growth estimate across 49 of the current top 50 companies by Moat Score with both values.

Score records captured Oct 18, 2026.

Exactly which 50 companies?

FTNT, IBEX, META, MEDP, MSFT, GOOG, LULU, ANF, IDXX, TXRH, FHI, QLYS, FFIV, ADBE, LLY, MANH, CPRT, VEEV, RMD, GRMN, PCTY, EAT, UI, SSD, MNST, DOCS, LRCX, MCO, NTAP, NVDA, CORT, SFM, MPTI, ULTA, SN, ROL, CTAS, PAYC, IRMD, DECK, MORN, INTU, JKHY, TPR, LGCY, DAL, GWW, ISRG, MPWR, LOPE

Missing a usable price or zero-growth estimate: ANF.

Model details under moat-index@3.0.0: zero-growth multiple 11.1×, capped-growth comparison at no more than 18×; 9% discount rate; high-end growth 0% (capped at 4%) using min(5y revenue CAGR, 5y diluted-EPS CAGR), clamped to 0%–4%; maintenance capex uses min(capex, D&A); abstain when D&A is unavailable. This is a disclosed model range, not intrinsic value as fact.

8 years of fundamentals

The business, in plain English

Decentral Life, Inc. booked $944413 of revenue in FY2022 in the Other sector and kept 94.9% of it as gross profit — a high-margin business by that measure. After every other cost, 77.0% of each revenue dollar reached the bottom line.

Across the filed record, revenue grew from $209380 (FY2017) to $944413 (FY2022) — about 35.2% a year compounded over 5 years.

WDLF's latest filed year, FY2022, doesn't disclose total debt in a form the methodology can use, so current leverage is treated as unmeasured — never assumed to be zero.

This breakdown is generated from the filed numbers and sub-scores above — no outside narrative, no estimates. Where a filing doesn’t disclose an input, the sentence that would need it is omitted instead of guessed.

FY2015–FY2022 · 8 fiscal years, normalized from WDLF’s SEC filings

Sales, as filed$944413 FY2022
$0$500000$1M201520182022
Revenue kept after cost of goods94.9% FY2022
0%50%100%201520182022
Standard ROIC or separately labeled Operating ROIC

Exact FY and FY-1 financing invested-capital inputs are required.

Exact FY and FY-1 financing invested-capital inputs are required.

Cash an owner could take out

Not disclosed in WDLF’s filings for these years — we don’t estimate it.

The explained ROIC gaps have filed inputs but no meaningful positive invested-capital denominator. Other gaps mean the item is not in the filings for that year. The series is never interpolated or estimated. The Table view lists every filed value, including operating and net margins, total debt, and share count.

Flagship explainer

How Decentral Life, Inc. makes its money

Decentral Life, Inc.'s filing does not supply enough comparable lines for a truthful flow chart — here's what is filed:

Table alternative
Filed lineValue% of revenueSource
$944413100%
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
Cost of revenue$482175%
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
$89619695%
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
$63597567%
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
$72738677%
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
Source:
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
· event Dec 31, 2022 · retrieved Oct 18, 2026 · annual-row source set

Flagship explainer

What Decentral Life, Inc. owns — and owes

Decentral Life, Inc.'s filing tags don't support a full breakdown — here's what is filed:

Table alternative
Filed lineValue% of assetsSource
Total assets$845666100%
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
Cash and equivalents$19931024%
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
Stockholders’ equity$59357370%
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
Source:
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
· event Dec 31, 2022 · retrieved Oct 18, 2026 · annual-row source set

Flagship explainer

What drives Decentral Life, Inc.’s return on equity?

One or more filed inputs needed for the five-factor decomposition are unavailable.

DuPont source inputs
InputValueFiscal yearSource
Net income$727386FY2022
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
Income before taxUnavailableFY2022
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
Operating income$635975FY2022
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
Revenue$944413FY2022
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
Ending assets$845666FY2022
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
Beginning assets$408776FY2021
  • 10-K · FY 2021Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
Ending equity$593573FY2022
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
Beginning equity−$133813FY2021
  • 10-K · FY 2021Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
Source: · event Dec 31, 2022 · retrieved Oct 18, 2026 · annual-row source set

Flagship explainer

Where Decentral Life, Inc.'s cash went

Decentral Life, Inc.’s filing does not supply enough provenance-matched cash-flow lines for a truthful flow chart — here’s what is filed:

Table alternative
Filed lineValue% of cash from operationsSource
Cash from operations$395986100%
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
Source:
  • 10-K · FY 2022Filing detailsAccession 0001493152-23-008558 · filed Mar 22, 2023
· event Dec 31, 2022 · retrieved Oct 18, 2026 · annual-row source set

Curated 19-manager tier

Who reported holding Decentral Life, Inc.

Delayed public 13F reports for 2026-Q2—not live positions, trades, or recommendations.

0 holding0 exited0 not holding0/19 resolved19 not retrieved

Named manager positions and quarter-over-quarter changes
ManagerReported positionQuarter-over-quarterFiling accession
Abrams CapitalNot retrievedComparison not retrievedFiling not retrieved
Akre CapitalNot retrievedComparison not retrievedFiling not retrieved
Baupost GroupNot retrievedComparison not retrievedFiling not retrieved
Berkshire HathawayNot retrievedComparison not retrievedFiling not retrieved
Brave Warrior AdvisorsNot retrievedComparison not retrievedFiling not retrieved
Dodge & CoxNot retrievedComparison not retrievedFiling not retrieved
First EagleNot retrievedComparison not retrievedFiling not retrieved
FundsmithNot retrievedComparison not retrievedFiling not retrieved
Gardner Russo & QuinnNot retrievedComparison not retrievedFiling not retrieved
Gates Foundation TrustNot retrievedComparison not retrievedFiling not retrieved
Mairs & PowerNot retrievedComparison not retrievedFiling not retrieved
Markel / Markel-GaynerNot retrievedComparison not retrievedFiling not retrieved
Oakmark / Harris AssociatesNot retrievedComparison not retrievedFiling not retrieved
Pershing SquareNot retrievedComparison not retrievedFiling not retrieved
Polen CapitalNot retrievedComparison not retrievedFiling not retrieved
Sequoia / Ruane CunniffNot retrievedComparison not retrievedFiling not retrieved
Southeastern Asset ManagementNot retrievedComparison not retrievedFiling not retrieved
Tweedy, BrowneNot retrievedComparison not retrievedFiling not retrieved
Yacktman Asset ManagementNot retrievedComparison not retrievedFiling not retrieved

Position size uses shares and filed value from each manager’s 13F. Portfolio weight uses the eligible long-share filing denominator. Changes compare only with the immediately preceding calendar quarter.

Source: Filing source not retrieved · event Jun 30, 2026 · retrieved Oct 18, 2026

Flagship explainer

What Decentral Life, Inc. insiders reported

The complete Form 4 source snapshot retrieved on Oct 19, 2026 contains no transaction rows.

Verified empty: the retrieved source snapshot contains no transaction event.

Source snapshot retrieved 2026-10-19T07:00:05.998Z · SEC Form 4

Moat Score history

15 logged readings since Sep 4, 2026 · append-only, never rewritten

Moat Score over timeLast scored reading of each day, on the 0–100 scale69.5 / 100
0406080100WideNarrowShallowNo moatSep 4, 2026Oct 18, 2026

Tier changesSame-methodology and same-normalizer crossings of the Wide / Narrow / Shallow bars

None yet — WDLF has read Narrow moat for every logged capture since Sep 4, 2026.

Scores are logged append-only and never overwritten — this record cannot be reconstructed retroactively, which is exactly why it’s worth keeping.

Insider activity

Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”

These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.

This machine-readable surface covers SEC ownership filings from 2003; it does not represent earlier paper-era records.

No reported Form 4 transactions were found in the complete checked issuer window for WDLF, –. The totals and cluster result below are arithmetic over that certified window.

$0
P purchases minus S sales only, Oct 19, 2025–Oct 19, 2026.
0 P / 0 S
Only P and S are included; awards, gifts, exercises, withholding, and other mechanics are excluded.
No
Requires at least 3 distinct insiders with P purchases.

Transaction-code histogram

Supporting event counts for the same certified window, Oct 19, 2025–Oct 19, 2026.

P
0
S
0
A
0
F
0
M
0
G
0
C
0
J
0
W
0

Retrieved .

Other context

#13 of 104 scored Other companies, ranked by Moat Score.

Nearest peers by Moat Score

  1. #11RHLD Resolute Holdings Management, Inc.71.4Narrow moat
  2. #12CBOE Cboe Global Markets, Inc.70.0Narrow moat
  3. #14VRTS VIRTUS INVESTMENT PARTNERS, INC.69.4Narrow moat
  4. #15TW Tradeweb Markets Inc.69.1Narrow moat

Compare WDLF with its nearest peers →All Other companies on the Index →

Common questions about WDLF

Does Decentral Life, Inc. have an economic moat?
Based on its FY2022 SEC filings, the Moat Index scores Decentral Life, Inc. (WDLF) 69.5 out of 100 — a Narrow moat. The five questions behind that score begin at 20% each; if exactly one genuinely lacks data, the other four weights are renormalized and disclosed. revenue and EPS trend 80, pricing power 81, returns on capital 18, balance-sheet safety 100, capital allocation not measurable from the filings.
How has WDLF's Moat Score changed over time?
The record logs 15 readings since Sep 4, 2026; the latest reads 69.5 out of 100 (narrow moat). No tier changes on record yet. The history is append-only — readings are only ever added, never rewritten.

Scored from primary SEC filings via the public methodology. Educational only — not a recommendation to buy or sell WDLF. See the disclaimer.