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Upturn AI SWOT - About
FTHM 
Fathom Holdings Inc (FTHM)
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Upturn Advisory Summary
04/01/2025: FTHM (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -56% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 23.88M USD | Price to earnings Ratio - | 1Y Target Price 2.25 |
Price to earnings Ratio - | 1Y Target Price 2.25 | ||
Volume (30-day avg) 89991 | Beta 1.96 | 52 Weeks Range 0.70 - 3.37 | Updated Date 04/1/2025 |
52 Weeks Range 0.70 - 3.37 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.08 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-03-12 | When After Market | Estimate -0.165 | Actual -0.2169 |
Profitability
Profit Margin -6.44% | Operating Margin (TTM) -6.53% |
Management Effectiveness
Return on Assets (TTM) -16.14% | Return on Equity (TTM) -43.19% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 36512212 | Price to Sales(TTM) 0.07 |
Enterprise Value 36512212 | Price to Sales(TTM) 0.07 | ||
Enterprise Value to Revenue 0.11 | Enterprise Value to EBITDA -2.95 | Shares Outstanding 27070700 | Shares Floating 12247023 |
Shares Outstanding 27070700 | Shares Floating 12247023 | ||
Percent Insiders 57.31 | Percent Institutions 17.49 |
Analyst Ratings
Rating 4.67 | Target Price 3.25 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Fathom Holdings Inc
Company Overview
History and Background
Fathom Holdings Inc. was founded in 2010. The company provides a technology platform that integrates residential real estate brokerage, mortgage, title, insurance, and SaaS offerings to brokerages and agents.
Core Business Areas
- Real Estate Brokerage: Provides residential real estate brokerage services through its Fathom Realty brand.
- Mortgage: Offers mortgage origination services through Encompass Lending Group.
- Title: Provides title insurance services through VeriFirst Title.
- Insurance: Delivers insurance service through intelliQuote Insurance.
- Technology Platform: Offers a cloud-based technology platform designed to enhance agent productivity and streamline transactions.
Leadership and Structure
Joshua Harley is the Chairman and CEO. The company has a standard corporate structure with a board of directors and various executive leadership roles overseeing different business segments.
Top Products and Market Share
Key Offerings
- Fathom Realty: Residential real estate brokerage services. Market share is difficult to determine precisely due to the fragmented nature of the real estate market. Competitors include Realogy (RLGY), Compass, eXp World Holdings (EXPI), and various local brokerages. Fathom reported 11,041 transactions in Q1 2024.
- Encompass Lending Group: Mortgage origination services. Market share is relatively small compared to major mortgage lenders. Competitors include Rocket Companies (RKT), UWM Holdings Corporation (UWMC), and numerous regional and local mortgage brokers.
- VeriFirst Title: Title insurance services. Market share is small compared to major title insurance providers. Competitors include Fidelity National Financial (FNF), First American Financial (FAF), and Stewart Information Services (STC).
Market Dynamics
Industry Overview
The real estate industry is highly competitive and subject to cyclical fluctuations. Technological advancements are transforming the industry, with increasing adoption of digital platforms and data analytics.
Positioning
Fathom Holdings positions itself as a technology-driven, full-service real estate platform offering competitive commission splits to agents. Its competitive advantage lies in its integrated technology platform and value proposition for agents.
Total Addressable Market (TAM)
The TAM for residential real estate brokerage in the US is in the trillions of dollars annually. The mortgage origination and title insurance markets are also substantial, each in the hundreds of billions of dollars annually. Fathom's position is relatively small but growing, with potential to capture a larger share through its technology and agent-centric model.
Upturn SWOT Analysis
Strengths
- Integrated technology platform
- Agent-centric business model
- Competitive commission splits
- Diversified service offerings (brokerage, mortgage, title, insurance)
Weaknesses
- Relatively small market share compared to larger competitors
- Profitability challenges
- Reliance on the housing market's cyclical nature
- High marketing costs relative to revenue
Opportunities
- Expansion into new geographic markets
- Increased adoption of technology by real estate agents and consumers
- Strategic acquisitions to expand service offerings
- Growth in the self-employed workforce (agents)
Threats
- Economic downturn and housing market slowdown
- Increased competition from established and emerging players
- Changes in regulations impacting the real estate industry
- Rising interest rates affecting mortgage demand
Competitors and Market Share
Key Competitors
- RLGY
- EXPI
- RKT
- FNF
- FAF
Competitive Landscape
Fathom competes with both traditional and technology-driven real estate brokerages. Its strengths include its integrated platform and agent-centric model. Weaknesses include its smaller scale and profitability challenges.
Major Acquisitions
EP Title
- Year: 2022
- Acquisition Price (USD millions):
- Strategic Rationale: Expansion of the company's title operations.
Growth Trajectory and Initiatives
Historical Growth: Fathom Holdings has experienced revenue growth in recent years, driven by agent recruitment and expansion of its service offerings. However, profitability has been a challenge.
Future Projections: Future growth projections depend on the company's ability to continue attracting agents, expand its service offerings, and improve profitability. Analyst estimates vary.
Recent Initiatives: Recent initiatives include expanding mortgage and title operations and enhancing the technology platform.
Summary
Fathom Holdings operates in a highly competitive real estate market, offering a tech-driven platform to agents. It has shown revenue growth but faces profitability challenges. Its integrated services and agent-centric model are strengths, while competition from larger players and market fluctuations pose threats. Future success depends on continued agent recruitment, platform innovation, and efficient scaling.
Similar Companies
- EXPI
- LREF
- OPEN
- RDFN
- AGNC
- NRZ
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Company Website
- Press Releases
- Third-party Market Research Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market data and analyst estimates are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Fathom Holdings Inc
Exchange NASDAQ | Headquaters Cary, NC, United States | ||
IPO Launch date 2020-07-31 | CEO - | ||
Sector Real Estate | Industry Real Estate Services | Full time employees - | Website https://www.fathominc.com |
Full time employees - | Website https://www.fathominc.com | ||
Fathom Holdings Inc. provides a real estate services platform that integrates residential brokerage, mortgage, title, and insurance services in the United States. It operates through three segments: Real Estate Brokerage, Mortgage, and Technology. The Real Estate Brokerage segment provides real estate brokerage services. The Mortgage segment offers residential loan origination and underwriting services. The Technology segment provides Software as a Service solutions and data mining for third party customers. It offers access to various properties for sale or lease through its FathomRealty.com website to buyers, sellers, landlords, and tenants; insurance agency services; and title services. In addition, the company provides intelliAgent, a real estate technology platform that offers a suite of brokerage and agent level tools, technology, business processes, business intelligence and reporting, and training; transaction, personnel, customer relationship, and accounting management for agent transactions; and reporting, social media marketing, and other marketing and marketing repository services, as well as marketplace for add-on services and third-party technology. Its brands include Fathom Realty, Dagley Insurance, Encompass Lending, intelliAgent, LiveBy, Real Results, Verus Title, and Cornerstone. The company was founded in 2010 and is headquartered in Cary, North Carolina.
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