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Dream Finders Homes Inc (DFH) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Dream Finders Homes Inc stock $37.20, price $12.40, upside +200.0%, quality 40 out of 100. Rating: strongly undervalued. Calculated from audited financials with 15 of our 26 valuation models and 37 quality factors, updated daily.

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Consumer Cyclical US

DF Dream Finders Homes Inc logo Thin data Nov 4, 2026

Dream Finders Homes Inc

DFH · US
Cheap, value-trap risk

The stock costs 67% less than our calculation considers fair.

Fair value $37.20 · Strongly undervalued
Low debt
Even on cautious assumptions the value is 47% above the price ($18.20).
Quality 40/100
Expensive Growth (revenue 5y +30.7 %/yr in USD)
Thin margins · 2.6% net margin (TTM)
Mixed vs. peers (6/12)
Insiders bought $1.4M (6M)
Negative free cash flow
Narrow moat 29/100
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$43.73 $7.42 Fair Value $37.20 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

60‑month range $7.42 – $43.73 · fair‑value band $18.20 – $55.44 · the $12.40 price screens below the $37.20 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.

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Company profile

Dream Finders Homes, Inc., through its subsidiary, Dream Finders Homes LLC, engages in the homebuilding business in the United States. It operates through four segments: Southeast, Mid-Atlantic, Midwest, and Financial Services.

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The company designs, builds, constructs, and sells single-family homes, such as entry-level, first and second time move-up, and active adult and custom homes.

It markets its homes under various brands, including Dream Finders Homes, DF Luxury, Reverie Active Adult Lifestyle by Dream Finders Homes, Craft Homes and Coventry Homes.

The company also provides insurance agency services, including closing, escrow, and title insurance, as well as mortgage banking solutions. It sells its homes through its sales representatives and independent real estate brokers.

The company was founded in 2008 and is headquartered in Jacksonville, Florida.

Stock analysis

Dream Finders Homes Inc (DFH) currently trades at $12.40, while our model-based Fair Value estimate is $37.20, implying the stock looks roughly 67% undervalued today.

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Valuation

Bull case: the Growth Earnings group reads highest at a median of $72.21 per share, and 12 of the 15 models we run sit above the $12.40 price.

Bear case: the Economic Profit group reads lowest at $14.17, and 3 of the 15 models stay below the price. Data coverage for this calculation is low.

Scenario range: $18.20 (bear) to $55.44 (bull), the price of $12.40 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 40/100 (below-average quality), in the Consumer Cyclical sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Dream Finders Homes Inc reported revenue of $4.3B in FY2025 versus $1.9B in FY2021, a compound +22.4%/yr. Reported net income was $217M in FY2025, compounding +15.4%/yr from FY2021.

Key figures

Market cap $1.1B Small · P/E ratio 10.3 · P/S ratio 0.27 · EPS (TTM) $0.9500 · Net margin 2.6% · Return on equity 6.6% · Return on assets (EBIT) 12.0% (5-year average) · Operating margin 2.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 29 out of 100 (medium confidence).

What moves the price

The share trades about 41% below its 52-week high and 67% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Consumer Cyclical peers we cover trades at 38% fair-value upside, at 200%, DFH screens cheaper than that median.

Fair Value models

Bear $18.20 Fair Value $37.20 Bull $55.44
Price $12.40 · Upside +200.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.8147 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
EPV $10.62 $12.20 $13.47 74
Owner Earnings $22.95 $46.91 $87.11 73
ROIC Compounder $10.62 $12.20 $13.47 72
All 15 models by family
DCF Models
Owner Earnings $22.95 $46.91 $87.11 73
Earnings-Based
Graham-Dodd $16.07 $112.10 $157.31 63
Lynch FV $37.64 $53.78 $69.91 61
PEG = 1.0 $37.64 $53.78 $69.91 57
EPV $10.62 $12.20 $13.47 74
Multiples
P/E Multiple $39.00 $52.00 $65.01 63
P/S Multiple $30.14 $40.19 $50.23 58
P/B Multiple $39.02 $52.03 $65.03 55
EV/EBIT $35.73 $48.93 $62.13 66
EV/EBITDA $25.38 $35.13 $44.89 67
EV/Revenue $22.82 $34.26 $45.70 53
Asset-Based
NCAV (Graham) $1.04 $1.57 $1.97 54
Economic Profit
Residual Income $14.38 $16.14 $20.18 71
ROIC Compounder $10.62 $12.20 $13.47 72
Growth Earnings
Growth-Adj P/E $50.55 $72.21 $93.88 67

Open the full fair value analysis →

Quality Score breakdown

Overall quality 40/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 51
How much profit the company makes from its sales and capital
Quality Growth 15
Are margins and returns getting better?
Cashflow 7
Do the profits arrive as real cash?
Financial strength 43
Debt, balance sheet and risk of trouble
Investment 40
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 19
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 18
Distance to the 52-week high, does not count
New shares 100
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors bought shares worth $1.4M, most recently on Nov 4, 2026. Buying cluster

  • BuyLen SturmDirector4× since Aug 21, 2026: 4,000 shares, avg. $13.21$52,845Nov 4, 2026
  • BuyRichard BeckwittDirector2× since Aug 11, 2026: 100,000 shares, avg. $13.85$1.4MSep 10, 2026
  • SaleWilliam Radford Lovett II10% owner7× since Jan 21, 2026: 671,742 shares, avg. $15.18$10.2MJun 24, 2026

Plus 2 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 52/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−2.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+30.7%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+35.2%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+19.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+19.6%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.7% → 6%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Residential Construction · 62 stocks

Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 40 · Bottom 25%
Fair Value upside +200.0% · Top 25%
Profitability
Return on equity (12 months) 6.6% · Below median
Return on assets 5.8% · Above median
Net margin (12 months) 2.6% · Bottom 25%
Operating margin (12 months) 2.6% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 2.7% · Below median
Balance sheet
Debt / equity 0.38× · Above median

Valuation Multiplesvs Residential Construction median · lower = cheaper

P/E (12 months) 10.3× · Cheaper than median
P/B 0.72× · Cheaper than median
P/S (12 months) 0.27× · Cheapest 25%
EV/EBITDA 9.1× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 91
FUTURE (revenue growth)14 · sector 30
PAST (return on equity)27 · sector 35
HEALTH (low debt)81 · sector 88
DIVIDEND (yield)0 · sector 56

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Residential Construction stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Lennar Corporation LEN $88.74 $141.98 +60% vs DFH
PulteGroup, Inc PHM $132.49 $190.90 +44% vs DFH
Toll Brothers, Inc TOL $152.56 $216.77 +42% vs DFH
M/I Homes, Inc MHO $131.60 $182.13 +38% vs DFH
D.R. Horton, Inc DHI $152.28 $209.46 +38% vs DFH
Meritage Homes Corporation MTH $68.05 $89.14 +31% vs DFH
NVR, Inc NVR $6,298 $8,123 +29% vs DFH
Installed Building Products, Inc IBP $220.06 $242.07 +10% vs DFH
Champion Homes, Inc SKY $91.40 $100.54 +10% vs DFH
Cavco Industries, Inc CVCO $638.55 $702.41 +10% vs DFH

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Dream Finders Homes Inc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Dream Finders Homes Inc Fair Value". https://www.fairvalue-calculator.com/stock/DFH

Frequently asked questions

Is Dream Finders Homes Inc (DFH) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $37.20 versus a price of $12.40, about +200% upside (undervalued).
What is the fair value of DFH?
Our model-based fair value for Dream Finders Homes Inc is $37.20 (as of Nov 4, 2026), built from audited fundamentals. The current price: $12.40.
What is the quality score of DFH?
Dream Finders Homes Inc has a Quality Score of 40/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Dream Finders Homes Inc (DFH)?
Our model-based price target is the fair value of $37.20 (as of Nov 4, 2026) from 15 valuation models. Cautious scenario $18.20, optimistic scenario $55.44. It is a calculation from audited fundamentals, not an analyst target.
What is the Dream Finders Homes Inc stock forecast for 2026?
Our models put fair value at $37.20, about +200% upside versus a price of $12.40 (undervalued). Cautious scenario $18.20, optimistic scenario $55.44. The calculation is refreshed regularly with new filings.
What is the revenue of Dream Finders Homes Inc (DFH)?
Dream Finders Homes Inc reported trailing-twelve-month revenue of about $4.2B (latest available figure, as of Nov 4, 2026).
Does Dream Finders Homes Inc pay a dividend?
Dream Finders Homes Inc does not currently pay a dividend.
What is the intrinsic value of Dream Finders Homes Inc (DFH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Dream Finders Homes Inc it is $37.20 per share (as of Nov 4, 2026), against a price of $12.40. It is the blended result of 15 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit, Growth Earnings).
Is Dream Finders Homes Inc stock overvalued or undervalued in 2026?
As of Nov 4, 2026, DFH trades below its calculated fair value: price $12.40, fair value $37.20, a gap of about +200% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of DFH?
No. The price is what the market pays today ($12.40); the fair value is what the company's own numbers justify ($37.20). For Dream Finders Homes Inc the two are $24.80 per share apart. That gap is exactly why we show both numbers side by side.
How much is Dream Finders Homes Inc worth?
The market values Dream Finders Homes Inc at about $1.1B (market capitalisation, as of Nov 4, 2026). Per share that is $12.40; our models calculate a fair value of $37.20 per share.
What do the bullish and bearish scenarios say about DFH?
Our models span a range for Dream Finders Homes Inc: cautious scenario $18.20, base $37.20, optimistic $55.44 per share (as of Nov 4, 2026, price $12.40). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of DFH?
Dream Finders Homes Inc trades at a price-to-earnings ratio of 10.3 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $37.20 is built from several models across several years. Other multiples: P/B 0.7, P/S 0.3, EV/EBITDA 9.1.
How solid is the balance sheet of Dream Finders Homes Inc (DFH)?
Balance-sheet figures for Dream Finders Homes Inc (as of Nov 4, 2026): return on equity 6.6%, debt of 0.38 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is DFH from its 52-week high?
Dream Finders Homes Inc trades at $12.40, about 41% below its 52-week high of $21.05 and 67% above the low of $7.42 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $37.20 is for.
Which stocks are comparable to Dream Finders Homes Inc?
From the same area (Consumer Cyclical) we also value D.R. Horton, Inc, PulteGroup, Inc, Lennar Corporation, NVR, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Dream Finders Homes Inc stock attractive at the current price?
The data as of Nov 4, 2026: price $12.40, calculated fair value $37.20 (+200%), Quality Score 40/100, from 15 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of DFH calculated?
We run Dream Finders Homes Inc through 15 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of $37.20 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Dream Finders Homes Inc currently trades 67% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Dream Finders Homes Inc (DFH)?
The closing price on Nov 6, 2026 was $12.40. Our model-based fair value is $37.20, about +200% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Dream Finders Homes Inc right now?
The large discount to fair value meets weak quality (40/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case ($18.20). The market is more pessimistic than our downside scenario. The model range is unusually wide ($18.20 to $55.44). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.

Key figures of Dream Finders Homes Inc

How large is the market capitalisation of Dream Finders Homes Inc (DFH)?
The market capitalisation of Dream Finders Homes Inc is $1.1B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Dream Finders Homes Inc (DFH)?
The price-to-sales ratio of Dream Finders Homes Inc is 0.27 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Dream Finders Homes Inc (DFH)?
Earnings per share at Dream Finders Homes Inc are $0.9500 (price ÷ EPS = P/E 10.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Dream Finders Homes Inc (DFH)?
The net margin of Dream Finders Homes Inc is 2.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Dream Finders Homes Inc (DFH)?
The return on equity (ROE) of Dream Finders Homes Inc is 6.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Dream Finders Homes Inc (DFH)?
On an EBIT basis the return on assets of Dream Finders Homes Inc is 12.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Dream Finders Homes Inc (DFH)?
The operating margin of Dream Finders Homes Inc is 2.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Dream Finders Homes Inc (DFH)?
Revenue at Dream Finders Homes Inc is growing +2.7% versus a year earlier (3y avg +9.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Dream Finders Homes Inc (DFH)?
Earnings per share at Dream Finders Homes Inc are growing −84.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Dream Finders Homes Inc (DFH) generate?
The free cash flow of Dream Finders Homes Inc is −$126M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Dream Finders Homes Inc (DFH) carry?
The net debt of Dream Finders Homes Inc is $356M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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