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Fathom Holdings Inc (FTHM) fair value: what the stock is really worth

As of Oct 23, 2026: fair value (intrinsic value) of Fathom Holdings Inc stock $0.02, price $0.20, upside -89.8%, quality 46 out of 100. Rating: strongly overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Real Estate · US · ISIN US31189V1098

FH Fathom Holdings Inc logo Thin data Oct 26, 2026

Fathom Holdings Inc

FTHM · US

Weakest SetupStrongly overvalued and low quality.

Our calculation puts a fair price 90% below what the stock costs today.

Low debt
Quality 46/100
Expensive Growth (revenue 5y +18.9 %/yr in USD)
Fair value $0.0200 · Strongly overvalued (−89.8%)
Loss-making · -6.3% net margin (TTM)
Negative free cash flow
Trails peers (3/10)
Narrow moat 6/100 · thin data
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

$33.95 $0.1817 Fair Value $0.0200 Jul 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 26, 2026.

How to read this chart

60‑month range $0.1817 – $33.95 · fair‑value band $0.0200 – $0.0300 · the $0.1955 price screens above the $0.0200 fair value. Dashed = 300-day average. As of Oct 26, 2026.

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Company profile

Fathom Holdings Inc. provides a real estate services platform that integrates residential brokerage, mortgage, title, and insurance services in the United States. It operates through three segments: Real Estate Brokerage, Mortgage, and Title.

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The Real Estate Brokerage segment provides real estate brokerage services. The Mortgage segment offers residential loan origination and underwriting services. The Title segment provides title insurance, escrow, and settlement services to facilitate residential real estate transactions.

It offers access to various properties for sale or lease through its FathomRealty.com website to buyers, sellers, landlords, and tenants.

In addition, the company provides intelliAgent, a real estate technology platform that offers a suite of brokerage and agent level tools, technology, business processes, business intelligence and reporting, and training; transaction, personnel, customer relationship, and accounting management for agent transactions; and reporting, social media marketing, and other marketing and marketing repository services, as well as marketplace for add-on services and third-party technology.

Its brands include Fathom Realty, Dagley Insurance, Encompass Lending, intelliAgent, LiveBy, Real Results, Verus Title, and Cornerstone. Fathom Holdings Inc. was founded in 2010 and is headquartered in Cary, North Carolina.

Stock analysis

Fathom Holdings Inc (FTHM) currently trades at $0.1955, while our model-based Fair Value estimate is $0.0200, 89.8% below the price, so the stock looks overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 96/100, which puts the data coverage at low.

Scenario range: $0.0200 (bear) to $0.0300 (bull), the price of $0.1955 sits above 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 46/100 (below-average quality), in the Real Estate sector.

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

Fathom Holdings Inc reported revenue of $420M in FY2025 versus $330M in FY2021, a compound +6.2%/yr. Reported net income was −$20.3M in FY2025.

Key figures

Market cap $6.7M Micro · P/S ratio 0.03 · EPS (TTM) $−0.8000 · Net margin −6.3% · Return on equity −79.0% · Return on assets (EBIT) −25.3% · Operating margin −3.6% · Revenue (TTM) $407M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 6 out of 100 (low confidence).

What moves the price

The share trades about 89% below its 52-week high and 8% above its 52-week low.

For context, the median of 10 Real Estate peers we cover trades at −12% fair-value upside, at −90%, FTHM screens richer than that median.

Fair Value models

Bear $0.0200 Fair Value $0.0200 Bull $0.0300
Price $0.1955 · Upside -89.8%
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. 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
NCAV (Graham) $0.0200 $0.0200 $0.0300 55
All 1 models by family
Asset-Based
NCAV (Graham) $0.0200 $0.0200 $0.0300 55

Open the full fair value analysis →

Quality Score breakdown

Overall quality 46/100

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

Profitability 36
How much profit the company makes from its sales and capital
Quality Growth 78
Are margins and returns getting better?
Cashflow 12
Do the profits arrive as real cash?
Financial strength 55
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Momentum 2
Price trend of the last 3 to 12 months, does not count
Near the 52-week high 1
Distance to the 52-week high, does not count
New shares 21
Buys back shares or issues new ones?

Open the full quality analysis →

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. 44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+25.4%
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.
+0.6%
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.
+18.9%
Start year 2020 (pandemic)
Revenue growth 8 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.
+28.8%
Profit margin (trend) ⓘ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.
−0.7% (2020) → −3.2% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

FTHM screens overvalued: fair value 90% below the price. Compare with CBRE Group →

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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.Real Estate Services · 529 stocks

Beats the industry median on 3/9 measures
Overall it trails its industry peers.
Valuation
Quality Score 46 · Below median
Fair Value upside −89.8% · Bottom 25%
Profitability
Return on assets −26.0% · Bottom 25%
Net margin (12 months) −6.3% · Bottom 25%
Operating margin (12 months) −3.6% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −5.6% · Below median
Balance sheet
Debt / equity 0.00× · Lowest 25%

Valuation Multiplesvs Real Estate Services median · lower = cheaper

P/B 0.18× · Cheapest 25%
P/S (12 months) 0.02× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 46
FUTURE (revenue growth)0 · sector 17
PAST (return on equity)0 · sector 17
HEALTH (low debt)100 · sector 83
DIVIDEND (yield)0 · sector 65

VALUE 0: the price sits above our fair-value range.

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 Real Estate Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Vonovia SE VNA €16.59 €36.52 +120% vs FTHM
Jones Lang LaSalle Incorporated JLL $300.30 $529.78 +76% vs FTHM
China Resources Mixc Lifestyle Services Limited 1209 HK$39.04 HK$55.27 +42% vs FTHM
Cellnex Telecom, S.A CLNX €25.54 €23.66 −7% vs FTHM
Wharf Real Estate Investment Company 1997 HK$31.00 HK$27.21 −12% vs FTHM
CBRE Group CBRE $134.65 $89.38 −34% vs FTHM
Swire Properties Limited 1972 HK$24.44 HK$13.51 −45% vs FTHM
KE Holdings BEKE $17.08 $7.31 −57% vs FTHM
CapitaLand Investment Limited 9CI 2.33 SGD 0.7800 SGD −67% vs FTHM
CoStar Group CSGP $33.92 $6.09 −82% vs FTHM

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Fathom Holdings Inc · Fair Value
$0.0200 −90%Fair Value
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Cite: Fair Value Calculator (2026). "Fathom Holdings Inc Fair Value". https://www.fairvalue-calculator.com/stock/FTHM

Frequently asked questions

Is Fathom Holdings Inc (FTHM) overvalued or undervalued?
As of Oct 26, 2026, our model estimates a fair value of $0.0200 versus a price of $0.1955, about −90% upside (overvalued).
What is the fair value of FTHM?
Our model-based fair value for Fathom Holdings Inc is $0.0200 (as of Oct 26, 2026), built from audited fundamentals. The current price: $0.1955.
What is the quality score of FTHM?
Fathom Holdings Inc has a Quality Score of 46/100. 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 Fathom Holdings Inc (FTHM)?
Our model-based price target is the fair value of $0.0200 (as of Oct 26, 2026) from 1 valuation models. Cautious scenario $0.0200, optimistic scenario $0.0300. It is a calculation from audited fundamentals, not an analyst target.
What is the Fathom Holdings Inc stock forecast for 2026?
Our models put fair value at $0.0200, about −90% upside versus a price of $0.1955 (overvalued). Cautious scenario $0.0200, optimistic scenario $0.0300. The calculation is refreshed regularly with new filings.
What is the revenue of Fathom Holdings Inc (FTHM)?
Fathom Holdings Inc reported trailing-twelve-month revenue of about $407M (latest available figure, as of Oct 26, 2026).
What is the intrinsic value of Fathom Holdings Inc (FTHM)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fathom Holdings Inc it is $0.0200 per share (as of Oct 26, 2026), against a price of $0.1955. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Fathom Holdings Inc stock overvalued or undervalued in 2026?
As of Oct 26, 2026, FTHM trades above its calculated fair value: price $0.1955, fair value $0.0200, a gap of about −90% (overvalued). 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 FTHM?
No. The price is what the market pays today ($0.1955); the fair value is what the company's own numbers justify ($0.0200). For Fathom Holdings Inc the two are $0.1755 per share apart. That gap is exactly why we show both numbers side by side.
How much is Fathom Holdings Inc worth?
The market values Fathom Holdings Inc at about $6.7M (market capitalisation, as of Oct 26, 2026). Per share that is $0.1955; our models calculate a fair value of $0.0200 per share.
What do the bullish and bearish scenarios say about FTHM?
Our models span a range for Fathom Holdings Inc: cautious scenario $0.0200, base $0.0200, optimistic $0.0300 per share (as of Oct 26, 2026, price $0.1955). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Fathom Holdings Inc (FTHM)?
Balance-sheet figures for Fathom Holdings Inc (as of Oct 26, 2026): return on equity −79.0%, debt of 0.00 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is FTHM from its 52-week high?
Fathom Holdings Inc trades at $0.1955, about 89% below its 52-week high of $1.74 and 8% above the low of $0.1817 (as of Oct 23, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0200 is for.
Which stocks are comparable to Fathom Holdings Inc?
From the same area (Real Estate) we also value CBRE Group, Cellnex Telecom, S.A, KE Holdings, Swire Properties Limited, 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 Fathom Holdings Inc stock attractive at the current price?
The data as of Oct 26, 2026: price $0.1955, calculated fair value $0.0200 (−90%), Quality Score 46/100, from 1 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 FTHM calculated?
We run Fathom Holdings Inc through 1 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 $0.0200, 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 12.7 % above its aggregate fair value. Fathom Holdings Inc itself currently trades above fair value. 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 Fathom Holdings Inc (FTHM)?
The closing price on Oct 23, 2026 was $0.1955. Our model-based fair value is $0.0200, about −90% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fathom Holdings Inc right now?
The price sits above even our optimistic bull case ($0.0300). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (46/100) and above fair value, neither a clear bargain nor a standout compounder. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.

Key figures of Fathom Holdings Inc

How large is the market capitalisation of Fathom Holdings Inc (FTHM)?
The market capitalisation of Fathom Holdings Inc is $6.7M. 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 Fathom Holdings Inc (FTHM)?
The price-to-sales ratio of Fathom Holdings Inc is 0.03 (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 Fathom Holdings Inc (FTHM)?
Earnings per share at Fathom Holdings Inc are $−0.8000. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Fathom Holdings Inc (FTHM)?
The net margin of Fathom Holdings Inc is −6.3% (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 Fathom Holdings Inc (FTHM)?
The return on equity (ROE) of Fathom Holdings Inc is −79.0% (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 Fathom Holdings Inc (FTHM)?
On an EBIT basis the return on assets of Fathom Holdings Inc is −25.3% (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 Fathom Holdings Inc (FTHM)?
The operating margin of Fathom Holdings Inc is −3.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Fathom Holdings Inc (FTHM)?
Revenue at Fathom Holdings Inc is growing −5.6% versus a year earlier (3y avg +0.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Fathom Holdings Inc (FTHM) generate?
The free cash flow of Fathom Holdings Inc is −$20.7M (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 Fathom Holdings Inc (FTHM) carry?
The net debt of Fathom Holdings Inc is $19.9M (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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