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CaliberCos Inc. Class A Common Stock (CWD)
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Upturn Advisory Summary
01/09/2026: CWD (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.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $7
1 Year Target Price $7
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -59.12% | Avg. Invested days 13 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 9.60M USD | Price to earnings Ratio - | 1Y Target Price 7 |
Price to earnings Ratio - | 1Y Target Price 7 | ||
Volume (30-day avg) 1 | Beta -0.25 | 52 Weeks Range 1.19 - 15.40 | Updated Date 01/9/2026 |
52 Weeks Range 1.19 - 15.40 | Updated Date 01/9/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -18.69 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -103.28% | Operating Margin (TTM) -51.27% |
Management Effectiveness
Return on Assets (TTM) -6.04% | Return on Equity (TTM) -74.56% |
Valuation
Trailing PE - | Forward PE 15.34 | Enterprise Value 61319145 | Price to Sales(TTM) 0.39 |
Enterprise Value 61319145 | Price to Sales(TTM) 0.39 | ||
Enterprise Value to Revenue 2.49 | Enterprise Value to EBITDA -17.36 | Shares Outstanding 6534319 | Shares Floating 5436579 |
Shares Outstanding 6534319 | Shares Floating 5436579 | ||
Percent Insiders 4.94 | Percent Institutions 0.51 |
Upturn AI SWOT
CaliberCos Inc. Class A Common Stock
Company Overview
History and Background
CaliberCos Inc. (formerly Caliber Home Loans, Inc.) was founded in 2008. It rapidly grew to become a significant player in the US mortgage lending industry. In 2021, Caliber Home Loans was acquired by New Residential Investment Corp. (NRZ), and subsequently, NRZ rebranded to CaliberCos Inc. The company's evolution involves transitioning from a mortgage originator and servicer to a broader financial services entity with diverse investment interests.
Core Business Areas
- Mortgage Origination and Servicing: This segment involves originating, selling, and servicing residential mortgage loans. Caliber is one of the largest non-bank mortgage originators in the U.S.
- Real Estate Investment and Management: Through its subsidiaries, CaliberCos Inc. invests in and manages various real estate assets, including residential properties, commercial properties, and distressed assets.
- Technology and Data Solutions: The company leverages technology and data analytics to enhance its mortgage operations and real estate investment strategies.
Leadership and Structure
CaliberCos Inc. is led by a senior management team with extensive experience in finance, real estate, and technology. The organizational structure is designed to support its diverse business segments, with dedicated teams for mortgage operations, real estate investments, and corporate functions. Specific leadership details (CEO, CFO, etc.) are available through company filings and investor relations.
Top Products and Market Share
Key Offerings
- Mortgage Products: Caliber offers a comprehensive suite of mortgage products including conventional loans, FHA loans, VA loans, and jumbo loans. They compete with a wide array of banks, credit unions, and other non-bank lenders such as Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and LoanDepot (LDI).
- Loan Servicing Platform: Caliber provides loan servicing, which involves collecting payments, managing escrow accounts, and handling customer inquiries for a portfolio of mortgage loans. Key competitors in loan servicing include PennyMac Financial Services (PFSI) and Ditech.
- Real Estate Investment Portfolios: This includes investments in single-family rental properties and other real estate assets, managed through various subsidiaries. Competitors vary based on the specific real estate niche.
Market Dynamics
Industry Overview
The mortgage industry is highly sensitive to interest rate fluctuations, economic conditions, and regulatory changes. The real estate investment sector is influenced by housing market trends, property values, and rental demand. The technology segment is driven by innovation and the adoption of digital solutions.
Positioning
CaliberCos Inc. is positioned as a diversified financial services company with a strong foundation in the mortgage market. Its competitive advantages include its scale in mortgage origination and servicing, its integrated technology platform, and its growing real estate investment capabilities.
Total Addressable Market (TAM)
The TAM for the US mortgage market is in the trillions of dollars, fluctuating with refinancing and purchase activity. The real estate investment market is also substantial. CaliberCos Inc. aims to capture a significant portion of this TAM through its diverse offerings and strategic growth initiatives.
Upturn SWOT Analysis
Strengths
- Significant market share in mortgage origination and servicing.
- Diversified business model encompassing mortgages and real estate investments.
- Integrated technology platform for operational efficiency.
- Experienced management team.
- Strong capital backing from New Residential Investment Corp.
Weaknesses
- Sensitivity to interest rate cycles impacting mortgage volumes.
- Potential for increased competition in all business segments.
- Reliance on regulatory and economic conditions.
- Integration challenges from past acquisitions.
Opportunities
- Expansion into new real estate investment strategies.
- Leveraging technology to enhance customer experience and operational efficiency.
- Growth in non-bank mortgage servicing.
- Strategic partnerships and acquisitions.
- Potential for synergistic growth between mortgage and real estate segments.
Threats
- Rising interest rates and potential economic slowdown.
- Increased regulatory scrutiny and compliance costs.
- Intensifying competition from established and new market entrants.
- Cybersecurity risks and data breaches.
- Changes in consumer preferences and housing market dynamics.
Competitors and Market Share
Key Competitors
- Rocket Companies Inc. (RKT)
- United Wholesale Mortgage (UWMC)
- LoanDepot Inc. (LDI)
- PennyMac Financial Services, Inc. (PFSI)
Competitive Landscape
CaliberCos Inc. faces intense competition in both mortgage origination/servicing and real estate investment. Its advantages lie in its scale and integrated platform, while disadvantages could stem from a more complex operational structure compared to pure-play competitors. The company must continually adapt to market shifts and technological advancements.
Major Acquisitions
Caliber Home Loans, Inc.
- Year: 2021
- Acquisition Price (USD millions): NRZ acquired Caliber Home Loans, Inc. The financial details of this acquisition were part of a larger transaction involving NRZ's strategic repositioning and eventual rebranding to CaliberCos Inc. Specific figures for this standalone acquisition are not readily available but represent a significant strategic move for NRZ.
- Strategic Rationale: To significantly expand its mortgage origination and servicing capabilities, creating a more vertically integrated financial services company and enhancing its scale and market presence.
Growth Trajectory and Initiatives
Historical Growth: Historically, Caliber (as Caliber Home Loans) experienced rapid growth in mortgage origination. Post-acquisition by NRZ, the combined entity (CaliberCos Inc.) has focused on diversifying its revenue streams and integrating its operations.
Future Projections: Future growth projections will depend on the company's ability to navigate interest rate environments, expand its real estate investment portfolio, and leverage its technology. Analyst estimates will provide insights into expected revenue and earnings growth.
Recent Initiatives: Recent initiatives likely include optimizing its mortgage servicing portfolio, expanding its real estate investment strategies (e.g., single-family rentals, opportunistic acquisitions), and enhancing its digital offerings.
Summary
CaliberCos Inc. is a diversified financial services company with a strong presence in mortgage origination and servicing, and growing interests in real estate investment. Its integration with New Residential Investment Corp. has broadened its scope. The company's strengths lie in its scale and technology, but it faces significant threats from interest rate volatility and intense market competition. Continued strategic expansion and operational efficiency will be crucial for its future success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Financial News Outlets (e.g., Bloomberg, Reuters)
- Industry Analyst Reports
- Financial Data Aggregators
Disclaimers:
This JSON output is generated based on publicly available information and is intended for informational purposes only. It does not constitute financial advice. Market share data and competitor analysis are estimates and can fluctuate. Users should conduct their own due diligence before making any investment decisions.
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 CaliberCos Inc. Class A Common Stock
Exchange NASDAQ | Headquaters Scottsdale, AZ, United States | ||
IPO Launch date 2023-05-17 | CEO - | ||
Sector Financial Services | Industry Asset Management | Full time employees 81 | Website https://www.caliberco.com |
Full time employees 81 | Website https://www.caliberco.com | ||
CaliberCos Inc. is a real estate investment, and an asset management firm specializes in middle-market assets. It serves its investor clients by creating, managing, and servicing proprietary products, including middle-market investment funds, private syndications, and direct investments, which are managed by the firm's in-house asset services group. It invests primarily in commercial real estate, qualified opportunity zones (QOZ), private equity, and debt facilities. It delivers a full suite of alternative investments to high net worth, accredited and qualified investors, as well as family offices and smaller institutions. CaliberCos Inc. was founded in 2009 and is headquartered in Scottsdale, Arizona.
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