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Upturn AI SWOT - About
FTHM 
Fathom Holdings Inc (FTHM)
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Upturn Advisory Summary
06/04/2025: FTHM (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $1.5
1 Year Target Price $1.5
| 0 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -11.46% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 32.50M USD | Price to earnings Ratio - | 1Y Target Price 1.5 |
Price to earnings Ratio - | 1Y Target Price 1.5 | ||
Volume (30-day avg) 1 | Beta 2.13 | 52 Weeks Range 0.65 - 3.37 | Updated Date 06/30/2025 |
52 Weeks Range 0.65 - 3.37 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -5.95% | Operating Margin (TTM) -4.75% |
Management Effectiveness
Return on Assets (TTM) -14.71% | Return on Equity (TTM) -44.67% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 48753133 | Price to Sales(TTM) 0.09 |
Enterprise Value 48753133 | Price to Sales(TTM) 0.09 | ||
Enterprise Value to Revenue 0.14 | Enterprise Value to EBITDA -2.95 | Shares Outstanding 27776500 | Shares Floating 17246697 |
Shares Outstanding 27776500 | Shares Floating 17246697 | ||
Percent Insiders 46.47 | Percent Institutions 12.02 |
Analyst Ratings
Rating 1 | Target Price 1.5 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Fathom Holdings Inc
Company Overview
History and Background
Fathom Holdings Inc. was founded in 2010. It has grown through acquisitions and organic growth to become a technology-driven real estate services platform.
Core Business Areas
- Real Estate Brokerage: Fathom Realty, the primary segment, provides a full-service real estate brokerage model offering agents commission splits, technology, and support.
- Mortgage: IntelliAgent provides mortgage origination services, connecting agents and clients with lenders.
- Title: VeriTitle provides title insurance and settlement services.
- Insurance: Fathom Insurance provides access to a range of insurance products.
Leadership and Structure
Joshua Harley is the Founder and CEO. The company has a traditional corporate structure with a board of directors and executive leadership team overseeing various departments.
Top Products and Market Share
Key Offerings
- Real Estate Brokerage Services: Fathom Realty offers real estate brokerage services to agents and clients. Market share is relatively small compared to major national brokerages like RE/MAX (RMAX), Keller Williams, and Compass (COMP). Fathom's focus is on a tech-enabled, agent-centric model. Revenue from this segment constitutes the majority of the company's income.
- Mortgage Services: IntelliAgent facilitates mortgage origination. Competitors include Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), and various regional lenders. Market share is small.
- Title Services: VeriTitle provides title insurance and settlement services. Competitors include Fidelity National Financial (FNF) and First American Financial (FAF). Market share is limited.
- Insurance Services: Fathom Insurance provides access to various insurance products through partnerships. Competitors include major insurance companies and brokers. Market share is small.
Market Dynamics
Industry Overview
The real estate industry is cyclical and influenced by economic conditions, interest rates, and demographics. The brokerage sector is highly competitive and fragmented. The mortgage and title industries are also competitive and subject to regulatory oversight.
Positioning
Fathom positions itself as a technology-driven, agent-centric real estate platform. Its competitive advantage is its combination of high splits for agents, low fees, and technology platform designed to enhance agent productivity and profitability.
Total Addressable Market (TAM)
The TAM is huge with the total US real estate market valued in the trillions of dollars. Fathom's focus on technology and agent support is positioning it for growth within this TAM.
Upturn SWOT Analysis
Strengths
- Technology platform
- Agent-centric model
- High agent commission splits
- Low fixed fee structure
- Scalable business model
Weaknesses
- Relatively small market share
- Dependence on agent growth
- Limited brand recognition compared to larger competitors
- Profitability challenges
- High debt
Opportunities
- Expansion into new geographic markets
- Increased adoption of technology by real estate agents
- Acquisition of smaller brokerages
- Cross-selling of mortgage, title, and insurance services
- Partnerships with technology providers
Threats
- Cyclical nature of the real estate market
- Increased competition from established brokerages
- Changes in real estate regulations
- Rising interest rates
- Economic downturns
Competitors and Market Share
Key Competitors
- RE/MAX (RMAX)
- Compass (COMP)
- eXp World Holdings (EXPI)
- Anywhere Real Estate (HOUS)
Competitive Landscape
Fathom's advantage is its agent-centric model and technology. Its disadvantage is its smaller size and brand recognition compared to established competitors.
Major Acquisitions
EP Title
- Year: 2021
- Acquisition Price (USD millions): 1.6
- Strategic Rationale: Expanded title services capabilities.
Growth Trajectory and Initiatives
Historical Growth: Fathom has experienced growth in agent count and revenue, driven by its agent-centric model and technology platform. Data needed to detail growth.
Future Projections: Analyst projections are needed to detail future growth of Fathom Holdings Inc.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new markets, and acquisitions.
Summary
Fathom Holdings is a technology-driven real estate brokerage with an agent-centric model. While the company shows potential with its innovative platform, it faces challenges related to profitability and competition. Its strengths include agent commission splits and technology; weaknesses are smaller market share and high debt. The company must leverage opportunities in technology adoption and manage threats from larger players and market volatility.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is based on available estimates and may not be precise. Financial data should be verified through official company filings.
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, President, Principal Financial Officer, Principal Accounting Officer & Director Mr. Marco Fregenal | ||
Sector Real Estate | Industry Real Estate Services | Full time employees 270 | Website https://www.fathominc.com |
Full time employees 270 | 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. Fathom Holdings Inc. was founded in 2010 and is headquartered in Cary, North Carolina.
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