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Upturn AI Summary - About
M/I Homes Inc(MHO)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for MHO
10/02/2026: MHO (1-star) is currently NOT-A-BUY. Pass it for now.
M/I Homes, Inc. is a prominent U.S. residential builder that constructs single-family homes and provides integrated financial services. The company is known for its disciplined land acquisition strategy and its focus on high-growth suburban markets. Its primary growth story is built on addressing the long-term housing shortage and effectively managing the 'Smart Series' entry-level product line. However, investors must consider risks such as interest rate volatility, cyclical economic downturns, and intense competition from larger national builders. M/I Homes may best suit growth-oriented investors who are comfortable with the inherent volatility of the housing sector and are monitoring interest rate trends closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The company leverages land acquisition and market expansion to drive long-term earnings growth. |
| Momentum investor | Strong fit while signal remains positive | Investors often target the stock during cyclical upturns in the housing sector. |
| Value investor | Strong fit | The stock often trades at attractive multiples relative to its book value and historical earnings. |
| Dividend investor | Weak fit | M/I Homes does not currently pay a regular dividend, prioritizing growth and balance sheet strength. |
| Low-risk investor | Weak fit | The cyclical nature of the homebuilding industry introduces inherent volatility that may not suit low-risk profiles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | Homebuilder stocks are highly sensitive to macro-economic data and interest rate news. |
| Valuation risk | Medium | Market sentiment can quickly change valuation multiples based on the perceived state of the housing cycle. |
| Competition risk | Medium / high | Intense competition from national giants like DHI and LEN limits pricing power. |
| Business quality | Medium | The business model is effective but heavily dependent on external economic cycles. |
| Dividend income | Low / none | The company does not provide a regular dividend, making it unsuitable for income-focused portfolios. |
| Execution risk | Medium | Managing construction timelines, labor, and land development involves significant operational complexity. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 12.4% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.41B USD | Price to earnings Ratio 11.32 | 1Y Target Price 170.67 |
Price to earnings Ratio 11.32 | 1Y Target Price 170.67 | ||
Volume (30-day avg) 200.2K shares | Beta 1.61 | 52 Weeks Range 116.78 - 163.66 | Updated Date 10/02/2026 |
52 Weeks Range 116.78 - 163.66 | Updated Date 10/02/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 11.9 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Homebuilding | Construction and sale of single-family homes. | The primary source of revenue is selling houses to families. |
| Financial Services | Mortgages, title insurance, and closing services. | The company makes extra money by helping buyers finance their home purchases. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 11.32 | Forward PE 11.88 | Enterprise Value 3.87B | Price to Sales(TTM) 0.8 |
Enterprise Value 3.87B | Price to Sales(TTM) 0.8 | ||
Enterprise Value to Revenue 0.91 | Enterprise Value to EBITDA 8.38 | Shares Outstanding 25.28M | Shares Floating 24.72M |
Shares Outstanding 25.28M | Shares Floating 24.72M | ||
Percent Insiders 2.19 | Percent Institutions 101.67 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About M/I Homes Inc
Exchange NYSE | Headquarters Columbus, OH, United States | ||
IPO Launch date 1986-10-03 | Chairman, President & CEO Mr. Robert H. Schottenstein J.D. | ||
Sector Consumer Cyclical | Industry Residential Construction | Full time employees 1801 | Website https://www.mihomes.com |
Full time employees 1801 | Website https://www.mihomes.com | ||
M/I Homes, Inc., together with its subsidiaries, engages in the construction and sale of single-family residential homes in Ohio, Indiana, Illinois, Minnesota, Michigan, Florida, Texas, North Carolina, and Tennessee. The company operates through Northern Homebuilding, Southern Homebuilding, and Financial Services segments. It also designs, constructs, markets, and sells single-family homes and attached townhomes to first-time, move-up, empty-nester, multi-generational, and luxury homebuyers under the M/I Homes brand name. In addition, the company purchases undeveloped land to develop into developed lots for the construction of single-family homes, as well as for sale to others. Further, it originates and sells mortgages; and serves as a title insurance agent by providing title insurance policies, examination, and closing services to purchasers of its homes. The company was formerly known as M/I Schottenstein Homes, Inc. and changed its name to M/I Homes, Inc. in January 2004. M/I Homes, Inc. was founded in 1976 and is based in Columbus, Ohio.
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