CoverageForm 410-K10-Q8-K13D13G13F

FTHM · Fathom Holdings Inc. - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · FTHM

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue$420.48M$335.18M$345.23M$412.96M$330.23M$176.78M
Cost of Revenue-----$166.37M
Gross Profit-----$10.42M
R&D------
SG&A$33.06M$33.57M$38.75M$43.22M$32.73M$10.72M
Total Operating Expenses--$368.48M$439.74M$346.33M$11.69M
D&A$5.85M$5.42M$5.95M$5.35M$2.75M$165.4K
Operating Income($15.58M)($23.46M)($23.25M)($26.78M)($16.11M)($1.28M)
Interest Expense----$7.0K$84.0K
Income Tax$85.0K($1.02M)$148.0K($54.0K)($3.25M)($8.5K)
Net Income($20.31M)($21.58M)($23.98M)($27.63M)($12.49M)($1.34M)
EPS - Basic($0.72)($1.07)($1.47)($1.73)($0.12)-
EPS - Diluted($0.72)($1.07)($1.47)($1.73)($0.12)-

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$5.77M$7.13M$7.40M$8.32M$37.83M$28.58M
Accounts Receivable$3.72M$3.15M$3.35M$3.07M$3.98M$1.60M
Inventory------
Accounts Payable$5.65M$4.30M$3.40M$3.34M$5.30M$2.60M
Current Assets$35.92M$24.96M$23.19M$18.82M$54.45M$32.86M
Total Assets$78.04M$75.40M$79.26M$80.19M$104.93M$35.22M
Current Liabilities$33.90M$19.38M$16.35M$12.50M$21.07M$4.99M
Long-term Debt$5.59M$9.48M$3.88M$129.0K$146.0K$535.1K
Total Liabilities$40.60M$30.72M$24.02M$18.17M$24.78M$5.57M
Stockholders' Equity$37.44M$44.68M$55.23M$62.02M$80.15M$29.65M
Retained Earnings($113.47M)($93.16M)($71.59M)($47.60M)($19.98M)($7.49M)

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow($20.54M)($4.69M)($10.57M)($6.58M)($11.70M)($1.21M)
Investing Cash Flow$4.02M$3.30M($1.87M)($7.10M)($14.56M)($909.7K)
Financing Cash Flow$15.04M$1.24M$11.60M($15.86M)$34.62M$31.11M
CapEx$121.0K$51.0K$22.0K$945.0K$877.0K$66.3K
Free Cash Flow($20.66M)($4.74M)($10.59M)($7.53M)($12.57M)($1.28M)

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin-----5.9%
Operating margin-3.7%-7.0%-6.7%-6.5%-4.9%-0.7%
EBITDA margin-2.3%-5.4%-5.0%-5.2%-4.0%-0.6%
Net margin-4.8%-6.4%-6.9%-6.7%-3.8%-0.8%
Free cash flow margin-4.9%-1.4%-3.1%-1.8%-3.8%-0.7%
FCF / Net income1.020.220.440.271.010.96
R&D / Revenue------
SG&A / Revenue7.9%10.0%11.2%10.5%9.9%6.1%
Effective tax rate------
Return on assets-26.0%-28.6%-30.3%-34.5%-11.9%-3.8%
Return on equity-54.2%-48.3%-43.4%-44.5%-15.6%-4.5%
Return on invested capital-28.6%-34.2%-31.1%-34.0%-15.8%-3.3%
Liquidity
Current ratio1.061.291.421.512.586.58
Quick ratio1.061.291.421.512.586.58
Cash ratio0.170.370.450.671.805.73
Leverage
Debt / Equity0.150.210.070.000.000.02
Debt / Assets0.070.130.050.000.000.02
Debt / EBITDA------
Interest coverage-----2300.7x-15.2x
Equity multiplier2.081.691.431.291.311.19
Liabilities / Assets0.520.410.300.230.240.16
Efficiency
Asset turnover5.394.454.365.153.155.02
Inventory turnover------
Days sales outstanding3d3d4d3d4d3d
Days inventory outstanding------
Days payable outstanding-----6d
Cash conversion cycle------
Valuation
P / E------
P / B0.8x0.7x1.1x1.1x2.9x-
P / S0.1x0.1x0.2x0.2x0.7x-
EV / EBITDA------
Growth
Revenue growth (YoY)25.4%-2.9%-16.4%25.1%86.8%-
Revenue CAGR (3y)0.6%0.5%25.0%---
Revenue CAGR (5y)18.9%-----
Gross profit growth (YoY)------
Operating income growth (YoY)33.6%-0.9%13.2%-66.3%-1163.1%-
Net income growth (YoY)5.9%10.0%13.2%-121.2%-831.8%-
EPS growth (YoY)32.7%27.2%15.0%-1341.7%--
EPS CAGR (3y)------
EPS CAGR (5y)------
FCF growth (YoY)-335.9%55.3%-40.7%40.1%-882.0%-
FCF CAGR (5y)------
Book value growth (YoY)-16.2%-19.1%-10.9%-22.6%170.3%-

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$835.59M total
Reportable Segment Aggregation Before Other Operating Segment$417.80M · 50.0%
Real Estate Brokerage$398.95M · 47.7%
Mortgage Segment$12.81M · 1.5%
Technology$6.03M · 0.7%

Stability scores

Altman Z′

FY 2025 · bankruptcy risk

3.93
Safe

Private-firm variant - uses book equity instead of market cap. > 2.90 safe · 1.23-2.90 grey · < 1.23 distress.

Piotroski F-score

FY 2025 · 9-point quality

3/9
Weak
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • Long-term debt decreased
  • Current ratio improved
  • No share dilution
  • -Gross margin improved
  • Asset turnover improved

Peer comparison

Same SIC group: Real Estate Agents & Managers (For Others)

CompanyRevenue (last FY)Net marginROE
VAC$5.03B-6.1%-15.5%
JLL$26.12B3.0%10.6%
COMP$6.96B-0.8%-7.5%
EXPI$4.77B-0.5%-9.4%
RDFN---

Comparing Fathom Holdings Inc. against the 5 most active filers in the same SIC group.