Fathom Holdings Inc. (FTHM) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Fathom Holdings Inc. (FTHM) trades at $0.7122 with AI Score 28/100 (Grade F). Fathom Holdings Inc. operates a cloud-based real estate brokerage and technology platform. Market cap: $23.6M, Sector: Real estate.
Price as of Aug 21, 2026 · Last analyzed: Jun 1, 2026Analyst Coverage for FTHM: FTHM does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FTHM against Real Estate peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
FTHM: 1/3 scored disciplines lean bearish. Dominant signal: Valuation weak.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Fathom Holdings Inc. (FTHM) Real Estate Portfolio & Strategy
Fathom Holdings Inc. provides a cloud-based real estate brokerage platform, integrating residential brokerage, mortgage, title, and insurance services. Its agent-centric model, supported by the intelliAgent platform, aims to attract agents with competitive commission splits. The company operates in the South, Atlantic, Southwest, and Western U.S. markets.
What Is the Investment Thesis for FTHM?
Fathom Holdings Inc. presents an investment case centered on its agent-centric model and integrated technology platform. The company's ability to attract and retain agents through competitive commission structures and comprehensive support services is a key value driver. Growth catalysts include the expansion of its service offerings and geographic footprint. However, the company's small market capitalization of approximately $0.02 billion and negative profit margin of -4.8% pose significant risks. Investors should closely monitor Fathom's ability to achieve profitability and manage its operating expenses effectively. Free cash flow is currently negative at $-0.01 billion.
Based on FMP financials and quantitative analysis
FTHM Key Highlights
Operates a cloud-based real estate brokerage services platform across the South, Atlantic, Southwest, and Western United States.
- Integrates residential brokerage, mortgage, title, and insurance services through its platform.
- Offers the intelliAgent platform, providing agents with technology, training, and support.
- Generated a gross margin of 7.8%.
- Maintains a market capitalization of approximately $0.02 billion.
Who Are FTHM's Competitors?
FTHM is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| RDFN Redfin Corporation | $11.19 | -0.36% | $1.43B | 50 |
| EXPI eXp World Holdings, Inc. | $4.73 | +3.28% | $753M | 46 |
| KW Kennedy-Wilson Holdings, Inc. | $10.92 | -0.09% | $1.52B | 46 |
| ASPZ Asia Properties, Inc. | $0.04 | +0.00% | $25.9M | 51 |
| LGPS LogProstyle Inc. | $0.87 | +0.44% | $20.5M | 51 |
| BCKMF The Becker Milk Company Limited | $9.80 | +0.00% | $17.7M | 52 |
| WE WeWork Inc. | $0.84 | -24.73% | $44.1M | 51 |
| HWTR HFactor, Inc. | $0.23 | +0.00% | $11.6M | 62 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FTHM's Key Strengths?
Integrated platform with multiple service offerings.
- Agent-centric model with attractive commission splits.
- Proprietary intelliAgent technology platform.
- Established brand portfolio.
What Are FTHM's Weaknesses?
Small market capitalization.
- Negative profit margin.
- Limited geographic presence compared to larger competitors.
- Reliance on the real estate market cycle.
What Could Drive FTHM Stock Higher?
Expansion into new geographic markets to increase agent count and transaction volume.
- Continued development and enhancement of the intelliAgent technology platform.
- Growth of the mortgage and insurance services segments through cross-selling and strategic partnerships.
What Are the Key Risks for FTHM?
Negative return on equity (-49.3%) — the business is not currently generating profit on shareholder capital.
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Economic downturn and housing market volatility could negatively impact transaction volume and revenue.
- Competition from larger, well-established brokerages with greater resources.
- Changes in real estate regulations could increase compliance costs and limit business activities.
- The company's small market capitalization exposes it to volatility and potential liquidity risks.
What Are the Growth Opportunities for FTHM?
- Expansion of Mortgage Services: Fathom has the opportunity to grow its mortgage segment, Encompass Lending, by increasing loan origination volume. The company can leverage its existing agent network to drive mortgage referrals and capture a larger share of the mortgage market. Success depends on competitive interest rates and efficient loan processing. The U.S. mortgage market is estimated to be worth trillions of dollars annually.
- Geographic Expansion: Fathom can expand its real estate brokerage services into new geographic markets within the United States. By targeting regions with high growth potential and underserved agent populations, Fathom can increase its agent count and transaction volume. This expansion requires careful market analysis and strategic resource allocation. The timeline for expansion depends on available capital and market conditions.
- Technology Platform Enhancement: Fathom can further develop its intelliAgent platform to provide additional tools and services for its agents. By incorporating advanced analytics, AI-powered features, and enhanced marketing capabilities, Fathom can differentiate its platform and attract more agents. The market for real estate technology is growing rapidly, with significant investment in innovative solutions.
- Cross-Selling of Services: Fathom can increase revenue by cross-selling its various services, including insurance (Dagley Insurance), title (Verus Title), and mortgage (Encompass Lending) to its existing customer base. By offering bundled services and integrated solutions, Fathom can enhance customer value and increase customer retention. The market for bundled real estate services is growing as consumers seek convenience and efficiency.
- Strategic Partnerships: Fathom can form strategic partnerships with other companies in the real estate ecosystem to expand its reach and service offerings. By partnering with technology providers, marketing agencies, and other service providers, Fathom can enhance its platform and provide additional value to its agents. Strategic partnerships can accelerate growth and improve competitive positioning.
What Are FTHM's Competitive Advantages?
- Integrated platform offering multiple real estate services.
- Agent-centric model with competitive commission splits.
- Proprietary intelliAgent technology platform.
- Established brand portfolio including Fathom Realty, Dagley Insurance, and Encompass Lending.
What Does FTHM Do?
Founded in 2010 and headquartered in Cary, North Carolina, Fathom Holdings Inc. has evolved into a provider of cloud-based real estate brokerage services. The company operates through three segments: Real Estate Brokerage, Mortgage, and Technology. The Real Estate Brokerage segment offers comprehensive real estate brokerage services. The Mortgage segment provides residential loan origination and underwriting. The Technology segment develops and supports the intelliAgent platform, offering Software as a Service solutions and data mining capabilities. Fathom's integrated platform includes residential brokerage, mortgage, title, and insurance services. Its FathomRealty.com website allows buyers, sellers, landlords, and tenants to access various properties. The intelliAgent platform provides agents with tools, technology, training, CRM, and marketing services. Fathom's brand portfolio includes Fathom Realty, Dagley Insurance, Encompass Lending, intelliAgent, LiveBy, Real Results, Verus Title, and Cornerstone.
What Products and Services Does FTHM Offer?
- Provides cloud-based real estate brokerage services.
- Offers residential loan origination and underwriting services.
- Develops and supports the intelliAgent technology platform.
- Integrates residential brokerage, mortgage, title, and insurance services.
- Operates the FathomRealty.com website for property listings.
- Offers training, CRM, and marketing services to real estate agents.
How Does FTHM Make Money?
- Generates revenue from real estate brokerage commissions.
- Earns revenue from mortgage origination and underwriting fees.
- Provides technology services to agents through the intelliAgent platform.
- Cross-sells insurance and title services.
What Industry Does FTHM Operate In?
Fathom Holdings Inc. operates within the competitive real estate services industry, which is characterized by technological disruption and evolving consumer preferences. The market is seeing increased adoption of digital platforms and integrated service offerings. Fathom's cloud-based model positions it to capitalize on these trends. However, it faces competition from established national brokerages and technology-focused real estate companies. The industry is influenced by macroeconomic factors such as interest rates and housing market dynamics.
Who Are FTHM's Key Customers?
- Real estate agents seeking a technology-driven platform.
- Home buyers and sellers.
- Landlords and tenants.
- Individuals seeking mortgage financing.
How Fathom Holdings Inc. Is Valued
Fathom Holdings Inc. carries a market capitalization of $23.6M, placing it in the micro-cap category. Relative to its peer group, FTHM's quantitative score of 28/100 is below the peer average of 49/100.
Company Profile
Fathom Holdings Inc. operates in the Real Estate - Services industry within the Real Estate sector. It is headquartered in Cary, US. The company is led by CEO Adam L. Rothstein. FTHM has traded publicly since 2020.
Key Financial Metrics
Return on equity for Fathom Holdings Inc. stands at -49.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -26.0%, showing how much profit it generates from its asset base. Its free cash flow yield is -60.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.06 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is -62.4%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Fathom Holdings Inc.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 2.19 places it in the grey zone, a middle ground that warrants monitoring.
Forward Outlook
Wall Street analysts project Fathom Holdings Inc. revenue of about $460.3M for fiscal 2026, with EPS near $-0.13.
FTHM Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Insiders buying recently signals confidence in FTHM's future, aligning interests with shareholders.
- Community buzz suggests growing optimism around FTHM's disruptive real estate model.
- Market perception seems to be shifting positively as FTHM gains recognition for its innovative approach.
- Recent developments hint at potential partnerships that could expand FTHM's market reach.
Bear Case
- Insider activity, while positive, might be timed to boost confidence rather than reflect core strength.
- Community sentiment can be volatile; current optimism could quickly fade with market shifts.
- Market perception is still heavily influenced by broader economic trends, which could overshadow FTHM's progress.
- Recent developments, while promising, are unconfirmed and could face execution challenges.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
FTHM Latest News
No recent news available for FTHM.
FTHM Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FTHM.
Price Targets
Wall Street price target analysis for FTHM.
FTHM MoonshotScore
What does this score mean?
The MoonshotScore rates FTHM 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Marco Fregenal
CEO
Marco Fregenal serves as the CEO of Fathom Holdings Inc. His background includes experience in real estate and technology. He has been instrumental in developing Fathom's cloud-based platform and agent-centric model. His leadership focuses on driving innovation and growth within the company. He oversees the strategic direction and operational execution of Fathom's various business segments.
Track Record: Under Marco Fregenal's leadership, Fathom Holdings Inc. has expanded its geographic footprint and service offerings. He has overseen the development and launch of the intelliAgent platform. Key milestones include the acquisition of Dagley Insurance and the growth of the Encompass Lending mortgage division. He has focused on attracting and retaining top real estate agents.
What Investors Ask About Fathom Holdings Inc. (FTHM) — Real Estate
What does the AI Score mean for FTHM?
FTHM holds an AI Score of 28/100 (Grade: F). This is an educational research signal, not a buy or sell recommendation. Fathom Holdings Inc. operates a cloud-based real estate brokerage and technology platform. It provides services to real estate agents across the Southern, Atlantic, Southwestern, and Western United …
What does Fathom Holdings Inc. do?
Fathom Holdings Inc. operates as a holding company providing real estate brokerage, mortgage, and technology services. It offers a cloud-based platform for real estate agents, featuring technology, training, and support. The company integrates residential brokerage, mortgage, title, and insurance services. Its intelliAgent platform provides agents with tools for CRM, marketing, and business intelligence. Fathom aims to attract agents with competitive commission splits and a comprehensive service offering.
What do analysts say about FTHM stock?
As of 2026-06-01, analyst coverage of FTHM is limited due to its small market capitalization. Key valuation metrics, such as price-to-earnings and price-to-sales ratios, may not be readily available or meaningful. Growth considerations include the company's ability to scale its platform, manage operating expenses, and achieve profitability. Investors should monitor Fathom's financial performance and competitive positioning in the real estate technology landscape.
What are the main risks for FTHM?
Fathom Holdings Inc. faces several risks, including its small market capitalization, which exposes it to volatility and liquidity issues. The company's negative profit margin and free cash flow raise concerns about its financial sustainability. Competition from larger brokerages and technology-focused real estate companies poses a significant threat. Economic downturns and housing market volatility could negatively impact transaction volume and revenue. Changes in real estate regulations could also increase compliance costs.
What are the key factors to evaluate for FTHM?
Fathom Holdings Inc. (FTHM) holds an AI score of 28/100 (low). presents an investment case centered on its agent-centric model and integrated technology platform. Not financial advice.
How frequently does FTHM data refresh on this page?
FTHM's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven FTHM's recent stock price performance?
Fathom Holdings Inc. (FTHM) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Integrated platform with multiple service offerings. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FTHM overvalued or undervalued right now?
Fathom Holdings Inc. (FTHM) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research FTHM before investing?
Before investing in Fathom Holdings Inc. (FTHM), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- Financial metrics are based on the most recent available data.
- Analyst opinions may vary.