Dream Finders Homes Inc (DFH) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Dream Finders Homes Inc $34.89, price $11.63, upside +200.0%, quality 37 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $8.37 – $43.73 · fair‑value band $20.02 – $43.61 · the $11.63 price screens below the $34.89 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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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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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. 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 $11.63, while our model-based Fair Value estimate is $34.89, implying the stock looks roughly 66.7% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $92.51 per share, and 14 of the 17 models we run sit above the $11.63 price.
Bear case: the Asset-Based group reads lowest at $10.40, and 3 of the 17 models stay below the price. Evidence for this calculation is low.
Scenario range: $20.02 (bear) to $43.61 (bull), the price of $11.63 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 37/100 (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 $1.4B · P/E ratio 9.1 · P/S ratio 0.46 · EPS (TTM) $1.71 · Dividend yield 0.9% · Net margin 5.0% · Return on equity 11.5% · Return on assets (EBIT) 12.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).
What moves the price
The share trades about 57% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at 41% fair-value upside, at 200%, DFH screens cheaper than that median.
Fair Value models
Bear $20.02Fair Value $34.89Bull $43.61
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.25 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.Evidence ⓘEvidence = 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.
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%
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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.
+22.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+21.2%
Dividend (yield on the price)0.9%
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 · 65 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score37 · Bottom 25%
Fair Value upside+200% · Top 25%
Profitability
Return on equity (TTM)11% · Above median
Return on assets4% · Below median
Net margin (TTM)4% · Below median
Operating margin (TTM)2% · Bottom 25%
Growth and dividend
Revenue growth−10% · Below median
Dividend yield (TTM)0.9% · Bottom 25%
Balance sheet
Debt / equity0.38× · Above median
Valuation Multiplesvs Residential Construction median · lower = cheaper
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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 Sep 23, 2026, our model estimates a fair value of $34.89 versus a price of $11.63, about +200% upside (undervalued).
What is the fair value of DFH?
Our model-based fair value for Dream Finders Homes Inc is $34.89 (as of Sep 23, 2026), built from audited fundamentals. The current price: $11.63.
What is the quality score of DFH?
Dream Finders Homes Inc has a Quality Score of 37/100. 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 $34.89 (as of Sep 23, 2026) from 17 valuation models. Cautious scenario $20.02, optimistic scenario $43.61. 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 $34.89, about +200% upside versus a price of $11.63 (undervalued). Cautious scenario $20.02, optimistic scenario $43.61. 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 Sep 23, 2026).
Does Dream Finders Homes Inc pay a dividend?
Dream Finders Homes Inc currently shows a dividend yield of about 0.95% relative to its recent price (as of Sep 23, 2026).
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 $34.89 per share (as of Sep 23, 2026), against a price of $11.63. It is the blended result of 17 valuation models (cash flow, earnings, asset, dividend).
Is Dream Finders Homes Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, DFH trades below its calculated fair value: price $11.63, fair value $34.89, 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 ($11.63); the fair value is what the company's own numbers justify ($34.89). For Dream Finders Homes Inc the two are $23.26 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 $1.4B (market capitalisation, as of Sep 23, 2026). Per share that is $11.63; our models calculate a fair value of $34.89 per share.
What do the bullish and bearish scenarios say about DFH?
Our models span a range for Dream Finders Homes Inc: cautious scenario $20.02, base $34.89, optimistic $43.61 per share (as of Sep 23, 2026, price $11.63). 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 9.1 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $34.89 is built from several models across several years. Other multiples: P/B 0.9, P/S 0.3, EV/EBITDA 7.9.
How solid is the balance sheet of Dream Finders Homes Inc (DFH)?
Balance-sheet figures for Dream Finders Homes Inc (as of Sep 23, 2026): return on equity 11.5%, debt of 0.38 per unit of equity. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is DFH from its 52-week high?
Dream Finders Homes Inc trades at $11.63, about 57% below its 52-week high of $26.90 and 2% above the low of $11.35 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $34.89 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 Sep 23, 2026: price $11.63, calculated fair value $34.89 (+200%), Quality Score 37/100, from 17 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 17 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $34.89, 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 14.1 % above its aggregate fair value. Dream Finders Homes Inc currently trades 200 % 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 Sep 23, 2026 was $11.63. Our model-based fair value is $34.89, 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 (37/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case ($20.02). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range ($20.02 to $43.61) leaves room in how you read the outcome.
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 $1.4B. 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 0.46 (P/E × margin). 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 $1.71 (price ÷ EPS = P/E 9.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Dream Finders Homes Inc (DFH)?
The dividend yield of Dream Finders Homes Inc is 0.9% (payout 6.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Dream Finders Homes Inc (DFH)?
The net margin of Dream Finders Homes Inc is 5.0% (fiscal year 2025). 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 11.5% (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 2.1% (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 −10.3% 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 −80.2% 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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Thin data
Sep 23, 2026