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Fathom Holdings Inc.

FTHM

$0.53 ▼ -0.02 (-4.35%) at close

8 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

Fathom Holdings Inc. faces fundamental challenges with weakness in Return on Common Equity (%) and Profit Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $14.9M

Dividend Yield —

Revenue Growth 25.4% ↗

Op. Margin -3.7% ↗

ROIC -36.4% ↗

FCF / Share $-0.73 ↘

Trailing P/E —

Price / Book 0.5x

FCF Yield —

Debt / Equity 0.15

info Valuation on last close. End-of-day price, Sep 23, 2026.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$420.48M

↑ +25.4% —

Net Income Profit after all expenses

$-20.31M

↑ +5.9% —

Operating Margin Operating profit as % of sales

-3.7%

↑ +47.1% 21th

FCF / Share Free cash flow per share

$-0.73

↓ -213.0% —

Long-Term Debt Long-term obligations

$5.59M

↓ -41.1% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile
Return on Common Equity (%)Return on Common Equity (%) is in the bottom quartile

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Cash Quality →

Financial view

Statement lens

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	25.4% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+409%)	-2.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-158%)	-16.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-428%)	25.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+401%)	86.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1636%)	59.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1079%)	—	—
EPS Growth YoY (%)	32.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	27.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	15.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-96.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-633.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	5.9% Fair ↑ Fair Improving Year-over-year change in net income	10.0% Fair ↑ Fair Improving Year-over-year change in net income	13.2% Fair ↑ Fair Improving Year-over-year change in net income	-121.2% Weak ↑ Weak Improving Year-over-year change in net income	-831.5% Weak Weak Year-over-year change in net income	67.2% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%)	-213.0% Weak ↓ Weak Declining Year-over-year change in free cash flow	64.1% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-38.4% Weak ↑ Weak Improving Year-over-year change in free cash flow	46.6% Excellent Excellent Year-over-year change in free cash flow	-683.9% Weak Weak Year-over-year change in free cash flow	—	—	—
Revenue CAGR 3Y (%)	0.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	25.0% Excellent Excellent Compound annual revenue growth over 3 years	54.9% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	18.9% Excellent Excellent Compound annual revenue growth over 5 years	24.7% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	-3.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-112%)	-7.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-123%)	-6.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-122%)	-6.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-122%)	-4.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-116%)	-0.7% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-102%)	-3.6% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-112%)	—
Effective Tax Rate (%) (%)	-0.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.2% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	-4.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-119%)	-6.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-126%)	-6.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-128%)	-6.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-127%)	-3.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-115%)	-0.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-103%)	-3.7% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-115%)	—
FCF Margin (%) (%)	-4.9% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-1.4% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-3.1% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-1.8% Weak → Weak Stable Free cash flow as a percentage of revenue Optimal: > 10%	-3.8% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-0.7% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-1.0% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	1.02x Fair ↑ Fair Improving Free cash flow relative to reported net income Optimal: > 1x	0.22x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.44x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.27x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.01x Fair ↑ Fair Improving Free cash flow relative to reported net income Optimal: > 1x	0.96x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	0.28x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%)	-36.4% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-41.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-39.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-42.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-15.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-4.2% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	638.2% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	-20.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-31.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-29.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-33.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-15.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-3.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	-160.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	-54.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-778%)	-48.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-704%)	-43.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-643%)	-44.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-657%)	-15.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-295%)	-4.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-157%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Debt to Equity (x)	0.15x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.29x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-71%)	0.07x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	0.01x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.01x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.02x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	-0.46x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-146%)	—
Interest Coverage (x)	-25.62x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-78.47x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-123.69x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-6694.25x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-1238.85x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-15.18x Weak Weak Operating income divided by interest expense Optimal: > 5x	-36.37x Weak Weak Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$-187.00K	$5.85M	$-3.52M	$-7.63M	$-36.85M	$-28.04M	$-44.32K	—
Debt / EBITDA (x)	-0.57x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-0.72x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-0.22x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-0.03x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-0.07x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-0.49x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-0.14x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$14.91	$16.56	$21.22	$25.81	$23.14	$15.50	—	—
Basic EPS, GAAP (USD)	$-0.72	$-1.07	$-1.47	$-1.73	$-0.88	$-0.12	—	—
Free Cash Flow per Share (USD)	$-0.73	$-0.23	$-0.65	$-0.47	$-0.88	$-0.11	—	—
Book Value per Share (USD)	$1.14	$2.21	$2.67	$3.55	$4.78	$2.14	$-0.11	—
Tangible Book Value per Share (USD)	$0.04	$0.15	$0.28	$0.52	$2.11	$2.02	$-0.16	—
Basic Weighted Avg Shares (shares)	28.20M	20.24M	16.27M	16.00M	14.27M	11.40M	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Working Capital (USD)	$2.02M	$5.58M	$6.84M	$6.32M	$33.38M	$27.87M	$-1.28M	—
LT Debt (USD)	$5.59M	$9.48M	$3.88M	$693.00K	$977.00K	$539.00K	$535.09K	—
Total Equity (USD)	$37.44M	$44.68M	$55.23M	$62.02M	$80.15M	$29.65M	$-1.16M	$232.04K

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$420.48M	$335.18M	$345.23M	$412.96M	$330.23M	$176.78M	$111.21M	—
Depreciation Expense (USD)	$5.85M	$5.42M	$5.95M	$5.35M	$2.75M	$165.00K	$60.44K	—
Net Income, GAAP (USD)	$-20.31M	$-21.58M	$-23.98M	$-27.63M	$-12.49M	$-1.34M	$-4.09M	—
Operating Cash Flow (USD)	$-20.54M	$-4.69M	$-10.57M	$-6.58M	$-11.70M	$-1.22M	$-1.11M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced yesterday 8 years · 31 quarters

Fathom Holdings Inc.

Analytical Summary

8-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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