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Upturn AI SWOT - About
DFH 
Dream Finders Homes Inc (DFH)
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Upturn Advisory Summary
10/15/2025: DFH (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
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $25.5
1 Year Target Price $25.5
| 0 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 44.28% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.17B USD | Price to earnings Ratio 7.55 | 1Y Target Price 25.5 |
Price to earnings Ratio 7.55 | 1Y Target Price 25.5 | ||
Volume (30-day avg) 3 | Beta 1.87 | 52 Weeks Range 19.65 - 35.71 | Updated Date 10/15/2025 |
52 Weeks Range 19.65 - 35.71 | Updated Date 10/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 3.2 |
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 7.55 | Forward PE 12.84 | Enterprise Value 3939028684 | Price to Sales(TTM) 0.46 |
Enterprise Value 3939028684 | Price to Sales(TTM) 0.46 | ||
Enterprise Value to Revenue 0.84 | Enterprise Value to EBITDA 9.38 | Shares Outstanding 35155531 | Shares Floating 28999519 |
Shares Outstanding 35155531 | Shares Floating 28999519 | ||
Percent Insiders 18.7 | Percent Institutions 91.97 |
Upturn AI SWOT
Dream Finders Homes Inc
Company Overview
History and Background
Dream Finders Homes was founded in 2008 by Patrick Zalupski in Jacksonville, Florida. The company focused on building homes in high-growth markets in the Southeast and Southwest regions of the United States. It went public in January 2021.
Core Business Areas
- Homebuilding: The core business is the construction and sale of single-family homes, townhomes, and condominiums in various communities. They cater to first-time homebuyers, move-up buyers, and active adult communities.
- Mortgage Operations: Dream Finders Homes provides mortgage financing services through its mortgage operations, facilitating home purchases for its customers. This includes originating and selling mortgage loans.
- Title Insurance: Dream Finders also provides title insurance services through its title insurance operations, helping to streamline the closing process for homebuyers.
Leadership and Structure
Patrick Zalupski is the Chairman and CEO. The company has a typical corporate structure with executive leadership overseeing various functional areas like homebuilding operations, finance, sales, and marketing.
Top Products and Market Share
Key Offerings
- Single-Family Homes: The company's primary offering is single-family homes in planned communities. Market share varies by region, but Dream Finders is a growing player in the Southeast and Southwest. Competitors include Lennar, D.R. Horton, and PulteGroup.
- Townhomes: Townhomes offer a more affordable option in select markets. These are often targeted towards first-time buyers or those looking for lower maintenance living. Similar competitors as single-family homes, with the addition of local and regional builders.
- Active Adult Communities: Dream Finders builds communities designed for active adults aged 55 and older. Competitors in this segment include Del Webb (PulteGroup) and other specialized active adult builders.
Market Dynamics
Industry Overview
The homebuilding industry is cyclical and influenced by factors like interest rates, economic growth, and demographic trends. There's currently high demand coupled with supply chain issues and rising material costs impacting builders.
Positioning
Dream Finders Homes positions itself as a builder offering affordable homes in high-growth markets. Their land-light strategy aims to reduce capital intensity and improve returns. They aim to provide higher value homes than their competitors.
Total Addressable Market (TAM)
The TAM for new home construction in the US is estimated to be in the hundreds of billions of dollars annually. Dream Finders is positioned to capture a growing share of this market through geographic expansion and product diversification.
Upturn SWOT Analysis
Strengths
- Land-light strategy
- Focus on high-growth markets
- Affordable price points
- Strong relationships with land developers
- Vertically integrated operations with mortgage and title services
Weaknesses
- Geographic concentration in Southeast and Southwest
- Reliance on external land developers
- Sensitivity to housing market cycles
- Smaller scale compared to national builders
Opportunities
- Geographic expansion into new markets
- Increased demand from millennial homebuyers
- Growing demand for build-to-rent communities
- Technological advancements in construction and sales
- Strategic acquisitions of smaller builders
Threats
- Rising interest rates
- Supply chain disruptions
- Increased competition from larger builders
- Economic recession
- Fluctuations in material costs
Competitors and Market Share
Key Competitors
- DHI
- LEN
- PHM
- NVR
- TOL
Competitive Landscape
Dream Finders' land-light strategy provides a competitive advantage by reducing capital intensity. However, they are smaller than national builders and have a geographic concentration. They try to compete by providing a better value home with better design.
Major Acquisitions
HHHunt Communities
- Year: 2021
- Acquisition Price (USD millions): 110
- Strategic Rationale: Expanded Dream Finders' presence in the Jacksonville, Florida market. Increased DFH's land holdings and access to future development opportunities.
Growth Trajectory and Initiatives
Historical Growth: Dream Finders has experienced significant revenue growth since its founding, driven by expansion into new markets and increased home sales.
Future Projections: Future projections are based on analyst estimates and market conditions. Analysts expect continued growth in revenue and earnings, driven by strong demand for housing in the Southeast and Southwest.
Recent Initiatives: Recent initiatives include expanding into new markets, introducing new home designs, and investing in technology to improve the customer experience.
Summary
Dream Finders Homes is a growing homebuilder with a land-light strategy, focused on high-growth markets. Their affordable price points and vertical integration are strengths. However, geographic concentration and sensitivity to market cycles pose risks. They should focus on diversifying geographically and managing costs effectively.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market conditions and company performance 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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