FTHM (Fathom Holdings) Cash Conversion Cycle: -2.91 (As of Dec. 2025)


FTHM Fathom Holdings Inc FTHM
55 GF Score
Price $1.08
GF Value $1.60
Valuation Possible Value Trap
! 6 Warning Signs
View Full Analysis

What is Fathom Holdings Cash Conversion Cycle?

Fathom Holdings FTHM -0.93% 55 Cash Conversion Cycle is -2.91 as of Dec. 2025. GuruFocus rates FTHM with a GF Score™ of 55/100 and a GF Value™ of $1.60 (Possible Value Trap). The stock has 6 warning signs investors should review.

Cash Conversion Cycle is one of several measures of management effectiveness. It equals Days Sales Outstanding + Days Inventory - Days Payable.

Fathom Holdings's Days Sales Outstanding for the three months ended in Dec. 2025 was 5.97.
Fathom Holdings's Days Inventory for the three months ended in Dec. 2025 was 0.
Fathom Holdings's Days Payable for the three months ended in Dec. 2025 was 8.88.
Therefore, Fathom Holdings's Cash Conversion Cycle (CCC) for the three months ended in Dec. 2025 was -2.91.


Fathom Holdings  (NAS:FTHM) Cash Conversion Cycle Explanation

Generally, the lower this number is, the better for the company. Although it should be combined with other metrics (such as ROE % and ROA %), it can be especially useful for comparing close competitors, because the company with the lowest CCC is often the one with better management.


Be Aware

CCC is most effective with retail-type companies, which have inventories that are sold to customers. Consulting businesses, software companies and insurance companies are all examples of companies for whom this metric is meaningless.

The CCC is one of several tools that can help you evaluate management, especially if it is calculated for several consecutive time periods and for several competitors. Decreasing or steady CCCs are good, while rising ones should motivate you to dig a bit deeper.


Fathom Holdings Cash Conversion Cycle Related Terms


Fathom Holdings Cash Conversion Cycle Historical Data

* Premium members only.

The historical data trend for Fathom Holdings's Cash Conversion Cycle can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Fathom Holdings Cash Conversion Cycle Chart

Fathom Holdings Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cash Conversion Cycle
Get a 7-Day Free Trial -1.72 -1.12 -0.48 -1.04 -1.72

Fathom Holdings Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Cash Conversion Cycle Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -1.78 -2.02 -2.23 -2.74 -2.91

FTHM vs OMH, MDRR, ABCP: Cash Conversion Cycle Comparison

For the Real Estate Services subindustry, Fathom Holdings's Cash Conversion Cycle, along with its competitors' market caps and Cash Conversion Cycle data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Fathom Holdings Cash Conversion Cycle vs Real Estate Industry

For the Real Estate industry and Real Estate sector, Fathom Holdings's Cash Conversion Cycle distribution charts can be found below:

* The bar in red indicates where Fathom Holdings's Cash Conversion Cycle falls into.


FTHM
55GF Score
Fathom Holdings Inc FTHM
Cash Conversion Cycle is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Fathom Holdings Cash Conversion Cycle Calculation

Cash Conversion Cycle (CCC) measures how fast a company can convert cash on hand into even more cash on hand. This metric looks at the amount of time needed to sell inventory, the amount of time needed to collect receivables and the length of time the company is afforded to pay its bills without incurring penalties.

Cash Conversion Cycle is one of several measures of management effectiveness.

Fathom Holdings's Cash Conversion Cycle for the fiscal year that ended in Dec. 2025 is calculated as

Cash Conversion Cycle=Days Sales Outstanding +Days Inventory-Days Payable
=2.98+0-4.7
=-1.72

Fathom Holdings's Cash Conversion Cycle for the quarter that ended in Dec. 2025 is calculated as:

Cash Conversion Cycle=Days Sales Outstanding+Days Inventory-Days Payable
=5.97+0-8.88
=-2.91

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Cash Conversion Cycle →
What does a Cash Conversion Cycle of -2.91 mean?
Fathom Holdings (FTHM) has a Cash Conversion Cycle of -2.91 as of Dec. 2025. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on Fathom Holdings and its competitors.
Is Fathom Holdings' Cash Conversion Cycle too high?
Fathom Holdings' current Cash Conversion Cycle is -2.91. Overall, Fathom Holdings has a GF Score™ of 55/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Fathom Holdings' Cash Conversion Cycle compare to OMH and MDRR?
Fathom Holdings' Cash Conversion Cycle of -2.91 can be compared against companies in the Real Estate industry. The industry median Cash Conversion Cycle is 320.76. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Conversion Cycle for a Real Estate company?
The median Cash Conversion Cycle among Real Estate companies is 320.76, based on 1,732 companies in the industry. Companies in the top quartile (top 25%) have a Cash Conversion Cycle significantly above this median, while those in the bottom quartile fall well below. However, Cash Conversion Cycle should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Conversion Cycle mean?
A high Cash Conversion Cycle can signal that a stock is expensive relative to its fundamentals. Cash conversion cycle equals sum of days inventory and days sales outstanding less days payable. View historical data on Fathom Holdings and its competitors. For the Real Estate industry, the median Cash Conversion Cycle is 320.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fathom Holdings's current Cash Conversion Cycle is -2.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fathom Holdings stock overvalued right now?
Based on GuruFocus' analysis, Fathom Holdings (FTHM) is currently considered Possible Value Trap. The stock's GF Value™ is $1.60, compared to a current price of $1.08 — trading 32.8% below its estimated fair value. The current Cash Conversion Cycle is -2.91. Fathom Holdings' overall GF Score™ is 55/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Conversion Cycle calculated?
Cash Conversion Cycle is calculated from a company's financial statements. For Fathom Holdings (FTHM), the current Cash Conversion Cycle is -2.91 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Fathom Holdings (FTHM) Overvalued in 2026?

Based on GuruFocus' analysis, Fathom Holdings stock appears to be undervalued. The current stock price of $1.08 is trading 32.8% below its estimated GF Value™ of $1.60. GuruFocus considers Fathom Holdings to be Possible Value Trap.

Key valuation signals for FTHM:

  • Cash Conversion Cycle: -2.91
  • GF Value™: $1.60 vs. price of $1.08 (32.8% below fair value)
  • GF Score™: 55/100 with 6 warning signs

No single metric tells the full story. See the FTHM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Fathom Holdings Business Description

Address 2000 Regency Parkway Drive, Suite 300, Cary, NC, USA, 27518
Fathom Holdings Inc is a national, technology-driven, real estate services platform integrating residential brokerage, mortgage, title, and Software as a Service (SaaS) offerings to brokerages and agents by leveraging intelliAgent , proprietary cloud-based software. The Company's three operating and reportable segments: Real Estate Brokerage, Mortgage, and Title. The majority of revenue is from Real Estate Brokerage, which provides real estate brokerage services.
55GF Score

Get the complete analysis for FTHM

Cash Conversion Cycle is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.08
Price
$1.60
GF Value