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Dream Finders Homes
(NYSE:DFH)
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Rating:51Neutral
Price Target:
$13.50
▼(-15.20% Downside)
Action:Reiterated
Date:07/31/26
DFH scores as below-average primarily due to weakening fundamentals—margin compression, slowing/contracting revenue, and a sustained stretch of negative operating and free cash flow—paired with a bearish price trend (below all major moving averages). The main offset is a low P/E that suggests inexpensive valuation, while recent governance and strategic actions are modestly positive but add some execution risk.
Positive Factors
Land-light lot strategy
DFH’s land-light approach (finished-lot options and controlled-lot deals) reduces upfront capital intensity and shifts land-carrying risk to partners. That durable model supports faster, lower-capital expansion, preserves liquidity for operations or M&A, and can sustain gross margins versus fully owned land models.
Negative Factors
Sustained negative cash flow
Three consecutive periods of negative operating and free cash flow indicate persistent cash generation shortfalls. Over months, this raises liquidity risk, increases reliance on external financing for working capital or growth, and constrains capacity to fund dividends, buybacks or large acquisitions.
Read all positive and negative factors
Positive Factors
Negative Factors
Land-light lot strategy
DFH’s land-light approach (finished-lot options and controlled-lot deals) reduces upfront capital intensity and shifts land-carrying risk to partners. That durable model supports faster, lower-capital expansion, preserves liquidity for operations or M&A, and can sustain gross margins versus fully owned land models.
Read all positive factors
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 (DFH) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.21B
Dividend YieldN/A
Average Volume (3M)645.15K
Price to Earnings (P/E)8.1
Beta (1Y)1.34
Revenue Growth-12.20%
EPS Growth-54.76%
CountryUS
Employees1,911
SectorConsumer Cyclical
Sector Strength84
IndustryResidential Construction
Share Statistics
EPS (TTM)1.58
Shares Outstanding32,997,726
10 Day Avg. Volume547,723
30 Day Avg. Volume645,146
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.34
Revenue Forecast (FY)$4.28B
Dream Finders Homes Business Overview & Revenue Model
Company Description
Dream Finders Homes, Inc. serves as a holding entity for Dream Finders Holdings LLC, operating primarily in the residential construction industry throughout the United States. The company focuses on designing, building, and selling a variety of si...
How the Company Makes Money
DFH generates the majority of its revenue from homebuilding by selling newly constructed homes to retail buyers. Revenue is recognized primarily at the point a home sale closes and control transfers to the buyer, and the company’s profitability is...
Dream Finders Homes Financial Statement Overview
Summary
Income Statement
54
Neutral
Balance Sheet
63
Positive
Cash Flow
36
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.13B | 4.32B | 4.45B | 3.75B | 3.34B | 1.92B |
| Gross Profit | 579.57M | 754.77M | 828.58M | 736.77M | 620.20M | 313.58M |
| EBITDA | 124.62M | 313.26M | 455.07M | 422.32M | 373.28M | 172.57M |
| Net Income | 146.69M | 217.20M | 335.34M | 295.90M | 262.31M | 122.38M |
Balance Sheet | ||||||
| Total Assets | 3.96B | 3.73B | 3.33B | 2.56B | 2.37B | 1.89B |
| Cash, Cash Equivalents and Short-Term Investments | 203.49M | 234.77M | 274.38M | 494.14M | 364.53M | 227.23M |
| Total Debt | 592.34M | 591.06M | 1.30B | 845.42M | 990.91M | 786.41M |
| Total Liabilities | 2.35B | 2.12B | 1.91B | 1.48B | 1.57B | 1.34B |
| Stockholders Equity | 1.58B | 1.57B | 1.39B | 1.07B | 787.72M | 532.30M |
Cash Flow | ||||||
| Free Cash Flow | -161.75M | -126.37M | -281.99M | 369.45M | -33.17M | 62.20M |
| Operating Cash Flow | -138.45M | -100.57M | -256.65M | 374.23M | -27.62M | 64.97M |
| Investing Cash Flow | -45.13M | -225.84M | -221.67M | -4.48M | -5.52M | -523.04M |
| Financing Cash Flow | 178.94M | 270.98M | 269.69M | -216.42M | 146.96M | 646.02M |
Dream Finders Homes Technical Analysis
Negative
15.92
Price Trends
15.38
Negative
14.86
Negative
17.12
Negative
Market Momentum
-0.04
Positive
52.27
Neutral
34.31
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For DFH, the sentiment is Negative. The current price of 15.92 is above the 20-day moving average (MA) of 15.46, above the 50-day MA of 15.38, and below the 200-day MA of 17.12, indicating a bearish trend. The MACD of -0.04 indicates Positive momentum. The RSI at 52.27 is Neutral, neither overbought nor oversold. The STOCH value of 34.31 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 | $1.95B | 14.66 | 5.21% | 1.76% | -8.37% | -45.09% | |
73 Outperform | $3.02B | 10.60 | 15.42% | ― | -8.66% | -14.97% | |
70 Outperform | $3.87B | 12.04 | 8.84% | ― | -5.01% | -35.08% | |
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
54 Neutral | $1.33B | 17.87 | 3.39% | ― | -22.62% | -60.74% | |
51 Neutral | $1.21B | 8.09 | 11.44% | ― | -12.20% | -54.76% |
* Consumer Cyclical Sector Average
DFH
Dream Finders Homes
12.79
-12.74
-49.90%
MHO
M/I Homes
146.13
19.86
15.73%
LGIH
LGI Homes
54.57
-0.07
-0.13%
CCS
Century Communities
67.16
8.92
15.31%
GRBK
Green Brick Partners
70.73
6.28
9.74%
Dream Finders Homes Corporate Events
Business Operations and StrategyExecutive/Board Changes
Dream Finders Homes Expands Board, Adds Independent Leaders
Positive
Jul 17, 2026
On July 13, 2026, Dream Finders Homes, Inc. expanded its Board of Directors from five to seven members and appointed veteran homebuilding executive Richard Beckwitt and banking and finance specialist Steven Fischer as new directors. Beckwitt was n...
Business Operations and StrategyM&A Transactions
Dream Finders Homes Boosts Beazer Acquisition Offer
Positive
Jul 8, 2026
On July 8, 2026, Dream Finders Homes announced a revised all-cash proposal to acquire all outstanding shares of Beazer Homes USA for $32.00 per share, representing a premium of about 70% to Beazer’s undisturbed share price on May 8, 2026 and...
Business Operations and StrategyRegulatory Filings and ComplianceShareholder Meetings
Dream Finders Homes Completes Texas Reincorporation and Governance Changes
Positive
Jun 10, 2026
Dream Finders Homes completed its reincorporation from Delaware to Texas on June 9, 2026, with its internal affairs now governed by Texas law under a new charter and bylaws, while maintaining the continuity of its business operations, workforce, c...
Business Operations and StrategyExecutive/Board Changes
Dream Finders Homes Elevates Szubinski to Chief Operating Officer
Positive
Jun 5, 2026
On June 1, 2026, Dream Finders Homes, Inc. appointed industry veteran Clint Szubinski as chief operating officer, elevating him from his new role as national senior vice president and pairing him with National President Doug Moran in a transitiona...
Business Operations and StrategyM&A Transactions
Dream Finders Reaffirms All-Cash Bid for Beazer Homes
Positive
May 21, 2026
On May 21, 2026, Dream Finders Homes released an investor presentation reaffirming its May 5, 2026 all-cash proposal to acquire Beazer Homes USA for $25.75 per share, valuing Beazer at about $704 million, a roughly 40% premium to Beazer’s Ma...
Business Operations and StrategyFinancial DisclosuresM&A Transactions
Dream Finders Homes Proposes All-Cash Acquisition of Beazer
Positive
May 11, 2026
On May 11, 2026, Dream Finders Homes announced it had submitted a proposal to acquire all outstanding shares of Beazer Homes USA in an all-cash deal valued at approximately $704 million, offering $25.75 per share, a roughly 40% premium to Beazer&#...
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.