Fathom Holdings Inc. Common Stock (FTHM)

FairStock Score: 39/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the close on 2026-10-13, Fathom's stock was $0.20, and its market capitalization was $6.8 million. A FairStock P/B of 0.28 might look like a bargain to a cigar-butt investor, but book value without earning power is not a margin of safety. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $114.6 million and net income was -$6.2 million, a -5.41% margin. For FY2025, revenue was $420.5 million and net income was -$20.3 million, or -$0.72 per diluted share. That followed FY2024 revenue of $335.2 million and a net loss of $21.6 million, and FY2023 revenue of $345.2 million and a net loss of $24.0 million. The provided figures show revenue growth of -7.23% and profit growth of -45.86%, so the trend is not toward profitability. Free cash flow is -$15.8 million, a FairStock FCF yield of -230.7% on the market cap. Debt-to-equity is 1.24, ROE is -79.00%, ROCE is -15.02%, the Altman Z-score is -1.15, and Piotroski is 4/9—all FairStock calculations. The company runs a real estate services platform across brokerage, mortgage, and title, but those segments have not produced profits. The Lynch screen assigns no category because it has lost money in each of the last four years. A low price relative to book is not enough when cash is burning and liabilities are high. I see no margin of safety in earnings or cash flow; any value depends on a turnaround not yet visible in the filed numbers.

In plain English: Fathom Holdings is a real estate services company that combines home brokerage, mortgage, and title work. The business looks weak: it has lost money for years, sales are falling, and it is burning cash. At $0.20 a share, the stock may look cheap on some accounting measures, but the weak profits and cash losses make it hard to call it a bargain.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer