Overview Dividends

(FTHM) Fathom Holdings - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US31189V1098

Real Estate Services, Mortgage Services, Technology

FTHM EPS (Earnings per Share)

EPS (Earnings per Share) of FTHM over the last years for every Quarter: "2020-09-30": -0.02, "2020-12-31": -0.09, "2021-03-31": -0.25, "2021-06-30": -0.15, "2021-09-30": -0.24, "2021-12-31": -0.24, "2022-03-31": -0.37, "2022-06-30": -0.35, "2022-09-30": -0.38, "2022-12-31": -0.63, "2023-03-31": -0.36, "2023-06-30": -0.27, "2023-09-30": -0.34, "2023-12-31": -0.5, "2024-03-31": -0.31, "2024-06-30": -0.22, "2024-09-30": -0.25, "2024-12-31": -0.2169, "2025-03-31": -0.24, "2025-06-30": -0.13,
EPS Growth (3Y CAGR): 26.19%
EPS Trend (3Y Correlation): 74.0%

FTHM Revenue

Revenue of FTHM over the last years for every Quarter: 2020-09-30: 55.847915, 2020-12-31: 53.40857, 2021-03-31: 49.645489, 2021-06-30: 84.182954, 2021-09-30: 100.94, 2021-12-31: 95.461, 2022-03-31: 90.082, 2022-06-30: 128.179, 2022-09-30: 111.264, 2022-12-31: 83.437, 2023-03-31: 77.541, 2023-06-30: 100.089, 2023-09-30: 93.524, 2023-12-31: 74.072, 2024-03-31: 70.503, 2024-06-30: 89.207, 2024-09-30: 83.733, 2024-12-31: 91.741, 2025-03-31: 93.135, 2025-06-30: 121.423,
Revenue Growth (3Y CAGR): 3.23%
Revenue Trend (3Y Correlation): 16.2%

Description: FTHM Fathom Holdings

Fathom Holdings Inc. is a pioneering real estate technology company that has revolutionized the industry by integrating residential brokerage, mortgage, title, and insurance services under one platform in the United States. By operating through three distinct segments - Real Estate Brokerage, Mortgage, and Technology - the company has created a holistic ecosystem that caters to the diverse needs of buyers, sellers, landlords, and tenants.

The companys Real Estate Brokerage segment provides comprehensive brokerage services, while the Mortgage segment offers a range of residential loan origination and underwriting services. The Technology segment is a significant differentiator, offering Software as a Service (SaaS) solutions and data mining capabilities to third-party customers, thereby diversifying revenue streams and enhancing the overall value proposition.

Fathom Holdings suite of services extends beyond traditional real estate brokerage, with offerings such as intelliAgent, a cutting-edge real estate technology platform that provides brokerage and agent-level tools, business intelligence, and reporting. The companys diverse brand portfolio, including Fathom Realty, Dagley Insurance, Encompass Lending, and Verus Title, among others, underscores its commitment to delivering a seamless customer experience.

Analyzing the and , we can infer that Fathom Holdings Inc. (FTHM) is a high-risk, high-reward investment opportunity. The stocks current price is $1.12, with a 20-day SMA of $0.93 and a 50-day SMA of $0.87, indicating a potential bullish trend. However, the 200-day SMA of $1.72 suggests that the stock is still in a downtrend. The ATR of 0.10 (8.87% of the current price) indicates moderate volatility.

Considering the , the companys Market Cap of $25.02M USD and the absence of a P/E ratio suggest that FTHM is not profitable at present. The negative RoE of -46.02% further reinforces this notion. However, the companys innovative business model, diversified revenue streams, and expanding presence in the real estate technology space could potentially drive growth in the future.

Based on the analysis of and , our forecast suggests that FTHM may experience a short-term bounce, potentially reaching $1.50, driven by the bullish trend indicated by the 20-day and 50-day SMAs. However, the long-term outlook remains uncertain due to the companys current lack of profitability and high volatility. Investors should exercise caution and closely monitor the companys progress in achieving profitability and reducing volatility.

FTHM Stock Overview

Market Cap in USD 55m
Sub-Industry Real Estate Development
IPO / Inception 2020-07-31

FTHM Stock Ratings

Growth Rating -63.8%
Fundamental 31.5%
Dividend Rating -
Return 12m vs S&P 500 -26.0%
Analyst Rating 4.0 of 5

FTHM Dividends

Currently no dividends paid

FTHM Growth Ratios

Growth Correlation 3m 68%
Growth Correlation 12m -43%
Growth Correlation 5y -95.1%
CAGR 5y -22.87%
CAGR/Max DD 3y -0.25
CAGR/Mean DD 3y -0.34
Sharpe Ratio 12m -1.63
Alpha 0.28
Beta 0.373
Volatility 86.38%
Current Volume 1659.9k
Average Volume 20d 561.6k
Stop Loss 2.4 (-8.7%)
Signal -2.05

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (-23.6m TTM) > 0 and > 6% of Revenue (6% = 23.4m TTM)
FCFTA -0.10 (>2.0%) and ΔFCFTA 5.60pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 1.46% (prev 3.56%; Δ -2.10pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA -0.15 (>3.0%) and CFO -12.3m > Net Income -23.6m (YES >=105%, WARN >=100%)
NO Net Debt/EBITDA fails (EBITDA <= 0)
Current Ratio 1.20 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (27.5m) change vs 12m ago 39.09% (target <= -2.0% for YES)
Gross Margin 6.10% (prev 8.17%; Δ -2.07pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 485.5% (prev 408.0%; Δ 77.51pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio -34.78 (EBITDA TTM -18.3m / Interest Expense TTM 686.0k) >= 6 (WARN >= 3)

Altman Z'' -8.39

(A) 0.07 = (Total Current Assets 33.9m - Total Current Liabilities 28.3m) / Total Assets 80.4m
(B) -1.27 = Retained Earnings (Balance) -102.4m / Total Assets 80.4m
warn (B) unusual magnitude: -1.27 — check mapping/units
(C) -0.30 = EBIT TTM -23.9m / Avg Total Assets 80.3m
(D) -2.58 = Book Value of Equity -102.4m / Total Liabilities 39.7m
Total Rating: -8.39 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 31.54

1. Piotroski 2.50pt = -2.50
2. FCF Yield -11.43% = -5.0
3. FCF Margin -2.03% = -0.76
4. Debt/Equity 0.48 = 2.39
5. Debt/Ebitda -1.07 = -2.50
6. ROIC - WACC (= -44.78)% = -12.50
7. RoE -53.65% = -2.50
8. Rev. Trend 16.17% = 1.21
9. EPS Trend 74.00% = 3.70

What is the price of FTHM shares?

As of September 18, 2025, the stock is trading at USD 2.63 with a total of 1,659,909 shares traded.
Over the past week, the price has changed by +10.97%, over one month by +94.81%, over three months by +132.74% and over the past year by -12.33%.

Is Fathom Holdings a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, Fathom Holdings (NASDAQ:FTHM) is currently (September 2025) a stock to sell. It has a ValueRay Fundamental Rating of 31.54 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FTHM is around 2.32 USD . This means that FTHM is currently overvalued and has a potential downside of -11.79%.

Is FTHM a buy, sell or hold?

Fathom Holdings has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy FTHM.
  • Strong Buy: 0
  • Buy: 1
  • Hold: 0
  • Sell: 0
  • Strong Sell: 0

What are the forecasts/targets for the FTHM price?

Issuer Target Up/Down from current
Wallstreet Target Price 2 -24%
Analysts Target Price 2 -24%
ValueRay Target Price 2.5 -4.2%

Last update: 2025-09-10 04:38

FTHM Fundamental Data Overview

Market Cap USD = 54.9m (54.9m USD * 1.0 USD.USD)
CCE Cash And Equivalents = 5.12m USD (Cash And Short Term Investments, last quarter)
P/E Forward = 49.505
P/S = 0.1407
P/B = 1.3693
Beta = 1.845
Revenue TTM = 390.0m USD
EBIT TTM = -23.9m USD
EBITDA TTM = -18.3m USD
Long Term Debt = 5.08m USD (from longTermDebt, last quarter)
Short Term Debt = 14.6m USD (from shortTermDebt, last quarter)
Debt = 19.6m USD (Calculated: Short Term 14.6m + Long Term 5.08m)
Net Debt = 18.2m USD (from netDebt column, last quarter)
Enterprise Value = 69.4m USD (54.9m + Debt 19.6m - CCE 5.12m)
Interest Coverage Ratio = -34.78 (Ebit TTM -23.9m / Interest Expense TTM 686.0k)
FCF Yield = -11.43% (FCF TTM -7.93m / Enterprise Value 69.4m)
FCF Margin = -2.03% (FCF TTM -7.93m / Revenue TTM 390.0m)
Net Margin = -6.05% (Net Income TTM -23.6m / Revenue TTM 390.0m)
Gross Margin = 6.10% ((Revenue TTM 390.0m - Cost of Revenue TTM 366.2m) / Revenue TTM)
Tobins Q-Ratio = -0.68 (set to none) (Enterprise Value 69.4m / Book Value Of Equity -102.4m)
Interest Expense / Debt = 1.05% (Interest Expense 207.0k / Debt 19.6m)
Taxrate = 21.0% (US default)
NOPAT = -23.9m (EBIT -23.9m, no tax applied on loss)
Current Ratio = 1.20 (Total Current Assets 33.9m / Total Current Liabilities 28.3m)
Debt / Equity = 0.48 (Debt 19.6m / last Quarter total Stockholder Equity 40.7m)
Debt / EBITDA = -1.07 (Net Debt 18.2m / EBITDA -18.3m)
Debt / FCF = -2.48 (Debt 19.6m / FCF TTM -7.93m)
Total Stockholder Equity = 44.0m (last 4 quarters mean)
RoA = -29.33% (Net Income -23.6m, Total Assets 80.4m )
RoE = -53.65% (Net Income TTM -23.6m / Total Stockholder Equity 44.0m)
RoCE = -48.64% (Ebit -23.9m / (Equity 44.0m + L.T.Debt 5.08m))
RoIC = -39.12% (NOPAT -23.9m / Invested Capital 61.0m)
WACC = 5.66% (E(54.9m)/V(74.5m) * Re(7.39%)) + (D(19.6m)/V(74.5m) * Rd(1.05%) * (1-Tc(0.21)))
Shares Correlation 3-Years: 96.97 | Cagr: 5.16%
Discount Rate = 7.39% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
Fair Price DCF = unknown (Cash Flow -7.93m)
EPS Correlation: 74.00 | EPS CAGR: 26.19% | SUE: -1.62 | # QB: 0
Revenue Correlation: 16.17 | Revenue CAGR: 3.23% | SUE: 0.14 | # QB: 0

Additional Sources for FTHM Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle