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Upturn AI SWOT - About
FTHM 
Fathom Holdings Inc (FTHM)
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Upturn Advisory Summary
08/14/2025: 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 $2
1 Year Target Price $2
| 0 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -41.45% | Avg. Invested days 32 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 32.94M USD | Price to earnings Ratio - | 1Y Target Price 2 |
Price to earnings Ratio - | 1Y Target Price 2 | ||
Volume (30-day avg) 1 | Beta 2.11 | 52 Weeks Range 0.65 - 3.37 | Updated Date 08/15/2025 |
52 Weeks Range 0.65 - 3.37 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.06 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-12 | When - | Estimate -0.04 | Actual -0.13 |
Profitability
Profit Margin -6.05% | Operating Margin (TTM) -1.95% |
Management Effectiveness
Return on Assets (TTM) -13.6% | Return on Equity (TTM) -50.29% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 51369211 | Price to Sales(TTM) 0.08 |
Enterprise Value 51369211 | Price to Sales(TTM) 0.08 | ||
Enterprise Value to Revenue 0.13 | Enterprise Value to EBITDA -2.95 | Shares Outstanding 28149800 | Shares Floating 17664495 |
Shares Outstanding 28149800 | Shares Floating 17664495 | ||
Percent Insiders 44.33 | Percent Institutions 11.4 |
Upturn AI SWOT
Fathom Holdings Inc
Company Overview
History and Background
Fathom Holdings Inc. was founded in 2010. Initially focused on residential real estate, it has grown through organic expansion and acquisitions to offer a technology-driven platform to real estate agents.
Core Business Areas
- Residential Real Estate Brokerage: Provides a cloud-based brokerage platform for real estate agents, offering competitive commission splits, technology, and training.
- Mortgage Services: Offers mortgage origination services through Encompass Lending Group.
- Title Services: Provides title insurance and closing services.
- Insurance Services: Offers property and casualty insurance products.
Leadership and Structure
The leadership team includes Brent Sumrow (CEO), Marco Fregenal (President and CFO). The company is structured with distinct business units focusing on its core service offerings.
Top Products and Market Share
Key Offerings
- Real Estate Brokerage Platform: Fathom's core platform provides agents with technology, training, and support. Market share data is fragmented and difficult to pinpoint due to the highly competitive nature of the real estate brokerage market. Competitors include Compass, eXp Realty, and Keller Williams.
- Mortgage Origination: Through Encompass Lending Group, Fathom provides mortgage origination services. Market share is relatively small compared to larger national mortgage lenders. Competitors include Rocket Mortgage, United Wholesale Mortgage (UWM).
Market Dynamics
Industry Overview
The real estate industry is undergoing technological disruption, with increased focus on digital platforms and agent-centric models. The mortgage industry is sensitive to interest rate fluctuations.
Positioning
Fathom positions itself as a technology-driven, agent-focused brokerage offering a compelling value proposition to agents. It is a smaller player relative to major national brokerages.
Total Addressable Market (TAM)
The total addressable market for real estate brokerage and related services is substantial, estimated in the trillions of dollars. Fathom is positioned to capture a portion of this market through its growth strategy and agent recruitment.
Upturn SWOT Analysis
Strengths
- Agent-centric business model
- Technology-driven platform
- Competitive commission structure
- Diversified revenue streams (brokerage, mortgage, title, insurance)
- Scalable cloud-based infrastructure
Weaknesses
- Relatively small market share compared to larger competitors
- Dependence on agent recruitment and retention
- Exposure to fluctuations in the real estate market
- Profitability concerns
- High competition
Opportunities
- Expansion into new geographic markets
- Increased adoption of technology in real estate
- Acquisition of smaller brokerages
- Development of new services and products for agents
- Further penetration into mortgage and title services
Threats
- Competition from larger, well-established brokerages
- Economic downturn and decline in real estate sales
- Rising interest rates impacting mortgage origination
- Changes in regulations affecting the real estate industry
- Technological disruptions from new entrants
Competitors and Market Share
Key Competitors
- EXPI
- KW
- RLGY
Competitive Landscape
Fathom competes with larger, well-established brokerages by offering a compelling commission structure and technology platform. Its competitive advantage lies in its value proposition to agents, but it faces challenges in scaling and achieving profitability. FTHM competes in the larger market with Zillow, RE/MAX and more.
Major Acquisitions
E u0432u0435u043a (eXp)
- Year: 2021
- Acquisition Price (USD millions): 27.6
- Strategic Rationale: To broaden Fathom's service offerings to include insurance products and expand its reach.
Growth Trajectory and Initiatives
Historical Growth: Fathom has experienced growth in agent count and revenue, primarily through organic recruitment.
Future Projections: Analyst projections vary, but generally anticipate continued growth in revenue and agent count.
Recent Initiatives: Recent initiatives include expansion into new markets and technology enhancements to the platform.
Summary
Fathom Holdings is a growing company in the competitive real estate brokerage market, leveraging a tech-enabled platform. Agent recruitment is strong, but profitability remains a concern. Opportunities for expansion exist, but competition from larger players and real estate market volatility pose significant risks. Fathom has to manage their cash flow very carefully.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news sources
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share estimates are approximate and based on available data. Financial data may be outdated and require verification against the latest official reports.
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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