Dream Finders Homes (DFH)
NYSE:DFH
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Dream Finders Homes
(NYSE:DFH)
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Rating:51Neutral
Price Target:
$15.50
▲(4.59% Upside)
Action:ReiteratedDate:05/04/26
The score is primarily held back by weakening financial quality—negative recent cash flow, higher leverage, and margin compression—alongside KPI signals of reduced revenue visibility (declining backlog and average selling prices). Technicals are also not supportive with the stock below key longer-term moving averages. Valuation is moderate but not compelling at a ~24 P/E given the cyclical and cash-flow risks.
Positive Factors
Sustained Profitability
DFH's TTM net income of roughly $176M shows it generates positive accounting profits even through recent softening. Persistent profitability provides internal capital for operations, supports lender confidence, and cushions cyclical downturns when paired with disciplined cost control.
Negative Factors
Negative Cash Generation
Negative TTM operating cash flow (~-$105M) and free cash flow (~-$133M) show the business is consuming cash, increasing reliance on financing. Persistent negative cash generation limits reinvestment, heightens refinancing risk, and reduces flexibility in a cyclical market.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Profitability
DFH's TTM net income of roughly $176M shows it generates positive accounting profits even through recent softening. Persistent profitability provides internal capital for operations, supports lender confidence, and cushions cyclical downturns when paired with disciplined cost control.
Read all positive factors
Dream Finders Homes (DFH) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.40B
Dividend YieldN/A
Average Volume (3M)745.26K
Price to Earnings (P/E)24.2
Beta (1Y)1.32
Revenue Growth-8.51%
EPS Growth-49.37%
CountryUS
Employees1,686
SectorConsumer Cyclical
Sector Strength84
IndustryResidential Construction
Share Statistics
EPS (TTM)N/A
Shares Outstanding34,042,625
10 Day Avg. Volume590,300
30 Day Avg. Volume745,259
Financial Highlights & Ratios
PEG Ratio-0.23
Price to Book (P/B)1.01
Price to Sales (P/S)0.37
P/FCF Ratio-12.60
Enterprise Value/Market Cap2.05
Enterprise Value/Revenue0.68
Enterprise Value/Gross Profit4.16
Enterprise Value/Ebitda10.95
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Dream Finders Homes Business Overview & Revenue Model
Company Description
Dream Finders Homes, Inc. operates as a holding company for Dream Finders Holdings LLC that engages in homebuilding business in the United States. It designs, constructs, and sells single-family entry-level, and first-time and second time move-up ...
How the Company Makes Money
DFH primarily makes money by selling newly constructed homes to individual homebuyers. Revenue is recognized from home sales (the contracted sale price) when the home is delivered/closed to the buyer, and the company’s homebuilding revenue is driv...
Dream Finders Homes Key Performance Indicators (KPIs)
Any
Revenue by Geography
Breaks down revenue across different regions, revealing where the company is strongest and where it may face risk or growth potential due to local economic conditions or market share shifts.
Breaks down revenue across different regions, revealing where the company is strongest and where it may face risk or growth potential due to local economic conditions or market share shifts.
Data provided by:
The Fly
The FlyDream Finders Homes Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
58
Neutral
Cash Flow
34
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.22B | 4.32B | 4.45B | 3.75B | 3.34B | 1.92B |
| Gross Profit | 690.78M | 754.77M | 828.58M | 736.77M | 620.20M | 313.58M |
| EBITDA | 262.51M | 313.26M | 450.05M | 422.32M | 373.28M | 172.57M |
| Net Income | 175.55M | 217.20M | 335.34M | 295.90M | 262.31M | 122.38M |
Balance Sheet | ||||||
| Total Assets | 3.97B | 3.73B | 3.33B | 2.56B | 2.37B | 1.89B |
| Cash, Cash Equivalents and Short-Term Investments | 435.38M | 234.77M | 274.38M | 494.14M | 364.53M | 227.23M |
| Total Debt | 1.89B | 591.06M | 1.30B | 845.42M | 990.91M | 786.41M |
| Total Liabilities | 2.38B | 2.12B | 1.91B | 1.48B | 1.57B | 1.34B |
| Stockholders Equity | 1.56B | 1.57B | 1.39B | 1.07B | 787.72M | 532.30M |
Cash Flow | ||||||
| Free Cash Flow | -133.31M | -126.37M | -281.99M | 369.45M | -33.17M | 62.20M |
| Operating Cash Flow | -105.41M | -100.57M | -256.65M | 374.23M | -27.62M | 64.97M |
| Investing Cash Flow | -121.22M | -225.84M | -221.67M | -4.48M | -5.52M | -523.04M |
| Financing Cash Flow | 357.55M | 270.98M | 269.69M | -216.42M | 146.96M | 646.02M |
Dream Finders Homes Technical Analysis
Neutral
14.82
Price Trends
16.43
Negative
17.58
Negative
21.46
Negative
Market Momentum
-0.54
Negative
51.24
Neutral
36.57
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DFH, the sentiment is Neutral. The current price of 14.82 is above the 20-day moving average (MA) of 13.99, below the 50-day MA of 16.43, and below the 200-day MA of 21.46, indicating a neutral trend. The MACD of -0.54 indicates Negative momentum. The RSI at 51.24 is Neutral, neither overbought nor oversold. The STOCH value of 36.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for DFH.
Dream Finders Homes Risk Analysis
Dream Finders Homes disclosed 55 risk factors in its most recent earnings report. Dream Finders Homes reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Dream Finders Homes Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $2.86B | 11.48 | 16.90% | ― | -0.02% | -16.42% | |
74 Outperform | $3.99B | 145.98 | 5.53% | ― | -24.29% | -53.38% | |
68 Neutral | $3.33B | 11.74 | 11.42% | ― | -1.83% | -30.18% | |
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
60 Neutral | $1.60B | 17.15 | 5.16% | 1.99% | -7.87% | -54.59% | |
51 Neutral | $1.40B | 24.16 | 14.44% | ― | -8.51% | -49.37% | |
50 Neutral | $1.13B | 105.92 | 3.39% | ― | -22.62% | -60.74% |
* Consumer Cyclical Sector Average
DFH
Dream Finders Homes
15.26
-7.40
-32.66%
MHO
M/I Homes
130.09
19.56
17.70%
TPH
Tri Pointe
46.86
15.41
49.00%
LGIH
LGI Homes
48.53
-7.40
-13.23%
CCS
Century Communities
55.55
1.95
3.64%
GRBK
Green Brick Partners
66.27
6.73
11.30%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.