WallStSmart

Dream Finders Homes Inc (DFH)vsDR Horton Inc (DHI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

DR Horton Inc generates 676% more annual revenue ($33.52B vs $4.32B). DHI leads profitability with a 10.0% profit margin vs 5.0%. DFH trades at a lower P/E of 6.7x. DHI earns a higher WallStSmart Score of 55/100 (C).

DFH

Hold

47

out of 100

Grade: D+

Growth: 3.3Profit: 5.5Value: 5.7Quality: 7.0
Piotroski: 2/9Altman Z: 2.75

DHI

Buy

55

out of 100

Grade: C

Growth: 4.7Profit: 6.0Value: 7.3Quality: 7.3
Piotroski: 3/9Altman Z: 5.10
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DFHSignificantly Overvalued (-41.6%)

Margin of Safety

-41.6%

Fair Value

$14.55

Current Price

$14.41

$0.14 premium

UndervaluedFair: $14.55Overvalued
DHISignificantly Overvalued (-119.5%)

Margin of Safety

-119.5%

Fair Value

$74.66

Current Price

$137.69

$63.03 premium

UndervaluedFair: $74.66Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DFH2 strengths · Avg: 10.0/10
P/E RatioValuation
6.7x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

DHI3 strengths · Avg: 8.7/10
Altman Z-ScoreHealth
5.1010/10

Safe zone — low bankruptcy risk

P/E RatioValuation
12.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Areas to Watch

DFH4 concerns · Avg: 3.0/10
Market CapQuality
$1.34B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
5.0%3/10

5.0% margin — thin

Debt/EquityHealth
1.163/10

Elevated debt levels

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

DHI3 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-9.5%2/10

Revenue declined 9.5%

EPS GrowthGrowth
-22.2%2/10

Earnings declined 22.2%

Comparative Analysis Report

WallStSmart Research

Bull Case : DFH

The strongest argument for DFH centers on P/E Ratio, Price/Book.

Bull Case : DHI

The strongest argument for DHI centers on Altman Z-Score, P/E Ratio, Price/Book. PEG of 1.09 suggests the stock is reasonably priced for its growth.

Bear Case : DFH

The primary concerns for DFH are Market Cap, Profit Margin, Debt/Equity.

Bear Case : DHI

The primary concerns for DHI are Piotroski F-Score, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

DFH carries more volatility with a beta of 1.88 — expect wider price swings.

DHI is growing revenue faster at -9.5% — sustainability is the question.

DHI generates stronger free cash flow (827M), providing more financial flexibility.

Monitor RESIDENTIAL CONSTRUCTION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

DHI scores higher overall (55/100 vs 47/100). Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Dream Finders Homes Inc

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

Dream Finders Homes, Inc. is a holding company of Dream Finders Holdings LLC engaged in the home construction business in the United States. The company is headquartered in Jacksonville, Florida.

DR Horton Inc

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

D.R. Horton, Inc. is a home construction company incorporated in Delaware and headquartered in Arlington, Texas.

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