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FTHM 
Fathom Holdings Inc (FTHM)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
11/26/2025: FTHM (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 $2.5
1 Year Target Price $2.5
| 0 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -43.06% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/26/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 40.49M USD | Price to earnings Ratio - | 1Y Target Price 2.5 |
Price to earnings Ratio - | 1Y Target Price 2.5 | ||
Volume (30-day avg) 1 | Beta 1.87 | 52 Weeks Range 0.65 - 3.37 | Updated Date 11/28/2025 |
52 Weeks Range 0.65 - 3.37 | Updated Date 11/28/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.8 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-11-05 | When - | Estimate -0.03 | Actual -0.0607 |
Profitability
Profit Margin -4.7% | Operating Margin (TTM) -1.77% |
Management Effectiveness
Return on Assets (TTM) -11.31% | Return on Equity (TTM) -43.82% |
Valuation
Trailing PE - | Forward PE 46.51 | Enterprise Value 50969517 | Price to Sales(TTM) 0.1 |
Enterprise Value 50969517 | Price to Sales(TTM) 0.1 | ||
Enterprise Value to Revenue 0.12 | Enterprise Value to EBITDA -2.95 | Shares Outstanding 32390959 | Shares Floating 22598200 |
Shares Outstanding 32390959 | Shares Floating 22598200 | ||
Percent Insiders 38.76 | Percent Institutions 14.22 |
Upturn AI SWOT
Fathom Holdings Inc
Company Overview
History and Background
Fathom Holdings Inc. was founded in 2010. It operates as a holding company, providing cloud-based real estate brokerage services and technology solutions to real estate professionals. It has grown through acquisitions and organic expansion, focusing on agent-centric models and technology.
Core Business Areas
- Real Estate Brokerage Services: This segment provides a full suite of real estate brokerage services to agents and their clients, including access to technology, training, and marketing support.
- Mortgage Services: Through its subsidiary, IntelliAgent Lending, Fathom offers mortgage origination services to homebuyers.
- Insurance Services: Through its subsidiary, Verus Title, Fathom offers Insurance services to clients.
- Technology Platform: Fathom provides a proprietary technology platform, intelliAgent, designed to streamline real estate transactions and enhance agent productivity.
Leadership and Structure
The leadership team includes Joshua Harley (CEO), Marco Fregenal (President and CFO) and others. Fathom operates with a holding company structure, overseeing various subsidiaries that focus on specific aspects of the real estate industry.
Top Products and Market Share
Key Offerings
- intelliAgent Platform: A cloud-based technology platform offering CRM, marketing tools, transaction management, and commission tracking. Market share is difficult to precisely quantify, but its value lies in improving agent retention and productivity. Competitors include: Real Geeks, Follow Up Boss, Chime.
- Real Estate Brokerage Services: Fathom provides services to agents across the US. Revenue generated from this is their main source of income. Competitors: Keller Williams (KW), RE/MAX (RMAX), Compass (COMP).
- Mortgage Origination (IntelliAgent Lending): Mortgage origination services. Competitors: Rocket Mortgage (RKT), United Wholesale Mortgage (UWMC), loanDepot (LDI).
Market Dynamics
Industry Overview
The real estate industry is undergoing rapid technological transformation, with increasing demand for digital solutions and agent-centric brokerage models. Fluctuations in interest rates, economic growth, and housing inventory heavily influence the market.
Positioning
Fathom positions itself as a technology-driven, agent-centric brokerage with a disruptive business model. It aims to attract and retain agents by offering competitive commission splits and robust technology tools.
Total Addressable Market (TAM)
The TAM for real estate brokerage services in the U.S. is estimated to be in the hundreds of billions of dollars annually. The TAM for associated technology and mortgage services is also substantial. Fathom is positioned to capture a portion of this market through its technology and agent-centric model.
Upturn SWOT Analysis
Strengths
- Technology platform (intelliAgent)
- Agent-centric business model
- Competitive commission splits
- Scalable cloud-based infrastructure
- Multiple revenue streams
Weaknesses
- Limited brand recognition compared to larger competitors
- Dependence on real estate market conditions
- High reliance on agent recruitment and retention
- Inconsistent profitability
- Smaller Market capitalization
Opportunities
- Expansion into new geographic markets
- Increased adoption of technology by real estate agents
- Acquisition of smaller brokerages
- Development of new technology solutions
- Growth in ancillary services (mortgage, insurance)
Threats
- Intense competition from established brokerages
- Changes in real estate regulations
- Economic downturns affecting the housing market
- Technological disruptions from new entrants
- Rising interest rates
Competitors and Market Share
Key Competitors
- KW (privately held)
- RMAX
- COMP
- eXp World Holdings (EXPI)
Competitive Landscape
Fathom's competitive advantage lies in its agent-centric technology platform and competitive commission splits. However, it faces stiff competition from larger, more established brokerages with greater brand recognition and financial resources.
Major Acquisitions
Eminent Title Agency
- Year: 2020
- Acquisition Price (USD millions): 2.7
- Strategic Rationale: Expansion into ancillary services (title insurance).
Verus Title
- Year: 2021
- Acquisition Price (USD millions): 4.8
- Strategic Rationale: Expansion into ancillary services (title insurance).
Growth Trajectory and Initiatives
Historical Growth: Fathom has experienced rapid revenue growth in recent years, driven by agent recruitment and expansion into new markets. However, profitability has been inconsistent.
Future Projections: Future growth projections are based on analyst estimates and management guidance. Growth is expected to continue, but profitability remains a key focus.
Recent Initiatives: Recent initiatives include strategic acquisitions, investment in technology development, and expansion of ancillary services.
Summary
Fathom Holdings has shown rapid growth in revenue by offering agent-centric technology. However profitability remains the central focus. Intense competition and dependence on the real estate market make the future uncertain, but investments in technology and ancillary services are key to long-term success. Overall it is growing, but profitability needs to be focused on.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Analyst reports
- Press releases
- Industry publications
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is based on estimates and publicly available information, which may not be entirely accurate or up-to-date. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
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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