Century Communities (CCS) AI Stock Analysis

• Market Cap: $1.83B
• Dividend Yield: 1.89%
• Average Volume (3M): 290.78K
• Price to Earnings (P/E): 9.1
• Beta (1Y): 0.79
• Revenue Growth: -6.28%
• EPS Growth: -31.55%
• Country: US
• Employees: 1,873
• Sector: Real Estate
• Sector Strength: 53
• Industry: Residential Construction
• EPS (TTM): 1.52
• Shares Outstanding: 29,384,289
• 10 Day Avg. Volume: 205,771
• 30 Day Avg. Volume: 290,781
• PEG Ratio: 0.23
• Price to Book (P/B): 0.88
• Price to Sales (P/S): 0.53
• P/FCF Ratio: 26.65
• Enterprise Value/Market Cap: 1.85
• Enterprise Value/Revenue: 0.82
• Enterprise Value/Gross Profit: 4.08
• Enterprise Value/Ebitda: 10.87
• 1Y Price Target: $70.00
• Price Target Upside: 13.86% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): 5.34
• Revenue Forecast (FY): $3.92B

• Rating: 69 Neutral
• Price Target: $67.00 ▲(8.98% Upside)

Century Communities' overall stock score reflects a balanced view of its financial stability, valuation, and earnings outlook. The company's strong cash flow and stable balance sheet are significant positives, while the mixed earnings call and technical indicators suggest caution. The valuation remains attractive, providing potential for future growth.

Positive Factors

Cash Generation

Strong cash generation enhances liquidity and operational flexibility, supporting long-term investments and financial stability.

Community Growth

Community growth indicates expanding market presence and potential for increased future sales, supporting long-term revenue growth.

Debt Management

Effective debt management enhances financial stability and reduces refinancing risk, supporting long-term strategic initiatives.

Negative Factors

Revenue Decline

Declining revenues suggest challenges in maintaining sales momentum, potentially impacting long-term profitability and growth.

Increased Incentives

Rising incentives can pressure margins, affecting profitability and indicating competitive challenges in the market.

Inventory Impairment

Inventory impairments and lot abandonments reflect potential misalignment in supply-demand, impacting asset utilization and profitability.

Century Communities Business Overview & Revenue Model

Company Description

Century Communities, Inc., together with its subsidiaries, engages in the design, development, construction, marketing, and sale of single-family attached and detached homes. It is also involved in the entitlement and development of the underlying land; and provision of mortgage, title, and insurance services to its home buyers. The company offers homes under the Century Communities and Century Complete brands. It sells homes through its sales representatives, retail studios, and internet, as well as through independent real estate brokers in 17 states in the United States. Century Communities, Inc. was founded in 2002 and is headquartered in Greenwood Village, Colorado.

How the Company Makes Money

Century Communities generates revenue primarily through the sale of newly constructed homes, which represents its core business. The company builds homes in various communities, catering to different market segments, from entry-level to move-up buyers. Key revenue streams include home sales, which encompass both the sale of properties and the revenues from optional upgrades and customizations. Additionally, the company earns income from its land development activities, where it prepares land for residential construction. Century Communities also operates a mortgage lending arm, providing financing solutions to homebuyers, which contributes to its overall profitability. Strategic partnerships with land developers and suppliers further enhance its operations and cost efficiency, allowing the company to maintain competitive pricing and improve its profit margins.

Century Communities Financial Statement Overview

Summary

Century Communities exhibits a mixed financial performance. The income statement shows declining revenue and margins, but the balance sheet remains stable with a strong equity base and manageable debt levels. The cash flow statement highlights significant improvements in cash generation, providing a positive outlook for liquidity and operational flexibility.

Income Statement

Century Communities has shown a decline in revenue growth with a negative rate of -3.63% in the TTM period, indicating challenges in maintaining sales momentum. The gross profit margin of 20.55% and net profit margin of 5.16% reflect moderate profitability, though both have decreased compared to previous years. The EBIT and EBITDA margins have also declined, suggesting reduced operational efficiency.

Balance Sheet

The company maintains a relatively healthy debt-to-equity ratio of 0.45, indicating a balanced approach to leveraging. The return on equity (ROE) at 8.29% shows a decline, reflecting reduced profitability on shareholder investments. The equity ratio of 54.92% suggests a strong equity base, providing stability in the capital structure.

Cash Flow

Century Communities has demonstrated significant improvement in free cash flow growth at 290.74%, indicating enhanced cash generation capabilities. The operating cash flow to net income ratio of 1.43 shows strong cash conversion efficiency. The free cash flow to net income ratio of 0.76 suggests a solid ability to generate cash relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.16B	4.40B	3.69B	4.51B	4.22B	3.16B
Gross Profit	831.21M	962.76M	802.97M	1.14B	1.05B	614.16M
EBITDA	312.01M	470.56M	371.43M	716.08M	669.63M	285.59M
Net Income	214.38M	333.82M	259.22M	525.13M	498.50M	206.16M
Balance Sheet
Total Assets	4.69B	4.53B	4.17B	3.79B	3.51B	2.85B
Cash, Cash Equivalents and Short-Term Investments	130.07M	150.00M	328.00M	353.29M	368.61M	394.00M
Total Debt	1.66B	1.48B	1.30B	1.23B	1.35B	973.76M
Total Liabilities	2.12B	1.91B	1.78B	1.64B	1.74B	1.56B
Stockholders Equity	2.58B	2.62B	2.39B	2.15B	1.76B	1.28B
Cash Flow
Free Cash Flow	204.25M	86.72M	-90.05M	264.65M	-210.06M	331.57M
Operating Cash Flow	262.55M	125.69M	41.63M	315.35M	-201.15M	340.58M
Investing Cash Flow	75.64M	-232.69M	-131.98M	-54.26M	-6.48M	-8.40M
Financing Cash Flow	-333.35M	40.31M	23.86M	-274.83M	131.79M	7.39M

Century Communities Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 61.48
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CCS, the sentiment is Negative. The current price of 61.48 is above the 20-day moving average (MA) of 60.86, above the 50-day MA of 60.77, and above the 200-day MA of 60.69, indicating a bullish trend. The MACD of 0.86 indicates Negative momentum. The RSI at 49.72 is Neutral, neither overbought nor oversold. The STOCH value of 34.34 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CCS.

Century Communities Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MHO	75 Outperform	$3.49B	7.84	15.76%	―	4.77%	-9.30%
TPH	73 Outperform	$2.88B	9.91	9.47%	―	-16.60%	-29.85%
CCS	69 Neutral	$1.83B	9.10	8.37%	1.89%	-6.28%	-31.55%
LGIH	65 Neutral	$1.16B	10.75	5.21%	―	-20.62%	-45.74%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
DFH	64 Neutral	$1.74B	6.65	20.66%	―	15.95%	-6.86%
HOV	63 Neutral	$675.67M	12.86	7.76%	―	-0.84%	-76.30%

Century Communities Corporate Events

Century Communities Issues $500M in Senior Notes

On September 17, 2025, Century Communities, Inc. issued $500 million in 6.625% Senior Notes due 2033, with interest accruing from the issuance date and payable semi-annually. These notes are unsecured senior obligations and are subject to specific covenants and redemption options, impacting the company’s financial strategy and flexibility in managing debt and equity transactions.