L7S Credit Hero · H.O.T.⁷

LTV %

Life Time Value — the margin dollars one customer returns before they churn, measured against what it cost to win them. LTV:CAC below 3× is the warning line.

Lifespan basis

ARPU — avg revenue per user, monthly

Gross margin

Monthly churn rate

CAC — customer acquisition cost

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LTV : CAC — target ≥ 3×—

CAC payback—

Avg lifespan —

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