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Upturn AI SWOT - About
DFH 
Dream Finders Homes Inc (DFH)
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Upturn Advisory Summary
09/12/2025: DFH (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $26
1 Year Target Price $26
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 56.78% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.70B USD | Price to earnings Ratio 9.42 | 1Y Target Price 26 |
Price to earnings Ratio 9.42 | 1Y Target Price 26 | ||
Volume (30-day avg) 3 | Beta 1.9 | 52 Weeks Range 19.65 - 39.15 | Updated Date 09/14/2025 |
52 Weeks Range 19.65 - 39.15 | Updated Date 09/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.09 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.61% | Operating Margin (TTM) 5.76% |
Management Effectiveness
Return on Assets (TTM) 7.7% | Return on Equity (TTM) 22.94% |
Valuation
Trailing PE 9.42 | Forward PE 14.35 | Enterprise Value 4222317820 | Price to Sales(TTM) 0.57 |
Enterprise Value 4222317820 | Price to Sales(TTM) 0.57 | ||
Enterprise Value to Revenue 0.9 | Enterprise Value to EBITDA 10.06 | Shares Outstanding 35155500 | Shares Floating 28963296 |
Shares Outstanding 35155500 | Shares Floating 28963296 | ||
Percent Insiders 18.8 | Percent Institutions 91.64 |
Upturn AI SWOT
Dream Finders Homes Inc
Company Overview
History and Background
Dream Finders Homes, Inc. was founded in 2008 by Patrick Zalupski in Jacksonville, Florida. Initially focused on the Jacksonville market, it expanded geographically through organic growth and acquisitions. It became a public company in January 2021 via an initial public offering.
Core Business Areas
- Homebuilding: The company designs, constructs, and sells single-family homes in high-growth markets across the United States.
- Financial Services: Dream Finders Homes provides mortgage financing and title services to its homebuyers through its wholly-owned subsidiaries. Mortgage Plus is the segment of the business.
Leadership and Structure
Patrick Zalupski is the Chairman and CEO. The company has a typical corporate structure with functional departments like finance, operations, sales, marketing, and land acquisition.
Top Products and Market Share
Key Offerings
- Entry-Level Homes: Targets first-time homebuyers with affordable options. Market share data is difficult to pinpoint exactly, but this segment contributes significantly to overall revenue. Competitors include D.R. Horton, Lennar, and NVR.
- Move-Up Homes: Designed for families seeking larger homes and more amenities. Contributes a substantial portion of revenue. Competitors include Toll Brothers, PulteGroup, and Taylor Morrison.
- Active Adult Communities: Targeted towards adults 55+; offers age-restricted communities with specific amenities. The amount of revenue and marketshare data is not public. Competitors include Del Webb (PulteGroup) and Latitude Margaritaville (Minto and Margaritaville).
Market Dynamics
Industry Overview
The housing market is influenced by interest rates, economic growth, demographics, and consumer confidence. There are supply chain challenges and labor shortages in the construction industry
Positioning
Dream Finders Homes aims to provide quality homes at competitive prices in high-growth markets. It emphasizes customer service and design flexibility. It has a decentralized structure, which helps them acquire smaller builders and integrate them.
Total Addressable Market (TAM)
The TAM for new home construction in the US is estimated to be several hundred billion dollars annually. Dream Finders Homes is positioned to capture a growing share of this market through expansion and strategic acquisitions.
Upturn SWOT Analysis
Strengths
- Strong presence in high-growth markets
- Decentralized operational structure
- Flexible designs
- Vertically integrated mortgage operations
- Affordable Pricepoints
Weaknesses
- Reliance on regional housing markets
- Sensitivity to interest rate fluctuations
- High debt levels relative to equity
- Geographic Concentration
Opportunities
- Expansion into new geographic markets
- Increased demand for housing driven by demographic trends
- Acquisition of smaller homebuilders
- Growth in the active adult community segment
Threats
- Rising interest rates
- Economic downturns
- Supply chain disruptions
- Increased competition
- Changes in government regulations
Competitors and Market Share
Key Competitors
- DHI
- LEN
- NVR
- PHM
- TOL
Competitive Landscape
Dream Finders Homes competes on price, location, design, and customer service. Its decentralized structure and land-light strategy provide flexibility and cost advantages. They are significantly smaller than DHI and LEN and have less national brand recognition.
Major Acquisitions
H & H Homes
- Year: 2021
- Acquisition Price (USD millions): 232.5
- Strategic Rationale: Expanded Dream Finders Homes' presence in the Carolinas market.
Flair Custom Homes of Atlanta
- Year: 2020
- Acquisition Price (USD millions): 16.3
- Strategic Rationale: Expanded Dream Finders Homes' presence in the Georgia market.
Growth Trajectory and Initiatives
Historical Growth: Dream Finders Homes has experienced substantial growth in revenue and home closings over the past several years, driven by organic expansion and acquisitions.
Future Projections: Analyst estimates project continued revenue growth and profitability improvements, driven by expansion into new markets and favorable housing market conditions. The housing market and interest rates will be critical.
Recent Initiatives: Recent strategic initiatives include acquisitions of smaller homebuilders, expansion into new geographic markets, and investments in technology to improve operational efficiency.
Summary
Dream Finders Homes is a growing homebuilder with a strong presence in high-growth markets, although it faces risks from interest rate fluctuations and economic conditions. The company's decentralized structure and focus on affordability are working well. However, its reliance on regional markets and relatively high debt levels are things to look out for as well as macro-economic variables such as interest rates.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. 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 Dream Finders Homes Inc
Exchange NYSE | Headquaters Jacksonville, FL, United States | ||
IPO Launch date 2021-01-21 | Founder, President, CEO & Chairman of the Board of Directors Mr. Patrick O. Zalupski | ||
Sector Consumer Cyclical | Industry Residential Construction | Full time employees 1686 | |
Full time employees 1686 | |||
Dream Finders Homes, Inc., through its subsidiary, Dream Finders Homes LLC, engages in the homebuilding business in the United States. The company operates through four segments: Southeast, Mid-Atlantic, Midwest, and Financial Services. It designs, builds, constructs, and sells single-family homes, such as entry-level, first and second time move-up, and active adult and custom homes. The company markets its homes under various brands, including Dream Finders Homes, DF Luxury, Craft Homes, and Coventry Homes. It also provides insurance agency services, including closing, escrow, and title insurance, as well as mortgage banking solutions. The company sells its homes through its sales representatives and independent real estate brokers. The company was founded in 2008 and is headquartered in Jacksonville, Florida.
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