Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Dream Finders HomesDFH -3.98%76 Cash-to-Debt is 0.11 as of Jun. 2026, which is 35% below its 10-year median of 0.17. GuruFocus rates DFH with a GF Score™ of 76/100 and a GF Value™ of $26.21 (Possible Value Trap). The stock has 8 warning signs investors should review. Among 93 Homebuilding & Construction companies, Dream Finders Homes ranks worse than 79.57% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Dream Finders Homes's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.11.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Dream Finders Homescouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Dream Finders Homes's Cash-to-Debt or its related term are showing as below:
DFH'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02 Med: 0.17 Max: 0.58
Current: 0.11
During the past 8 years, Dream Finders Homes's highest Cash to Debt Ratio was 0.58. The lowest was 0.02. And the median was 0.17.
DFH's Cash-to-Debt is ranked worse than 79.57% of 93
companies
in the Homebuilding & Construction industry
Industry Median: 0.38
vs DFH: 0.11
Dream Finders Homes (NYSE:DFH) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Dream Finders Homes Cash-to-Debt Related Terms
Dream Finders Homes Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Dream Finders Homes's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Residential Construction subindustry, Dream Finders Homes's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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.
Dream Finders Homes Cash-to-Debt vs Homebuilding & Construction Industry
For the Homebuilding & Construction industry and Consumer Cyclical sector, Dream Finders Homes's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Dream Finders Homes's Cash-to-Debt falls into.
* 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.
Dream Finders Homes (DFH) has a Cash-to-Debt of 0.11 as of Jun. 2026. This is 35% below median its historical median of 0.17. Over the past decade, Dream Finders Homes' Cash-to-Debt has ranged from 0.02 to 0.58. According to the industry distribution chart, Dream Finders Homes ranks #74 out of 93 companies in the Homebuilding & Construction industry, placing it in the top 79.6%.
Is Dream Finders Homes' Cash-to-Debt too high?
Dream Finders Homes' current Cash-to-Debt of 0.11 is 35% below median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.58. The Homebuilding & Construction industry median Cash-to-Debt is 0.38. Dream Finders Homes' value of 0.11 is 71.1% below this industry median. Based on the distribution chart, Dream Finders Homes ranks #74 out of 93 companies in the Homebuilding & Construction industry, which is in the bottom quartile relative to peers. Overall, Dream Finders Homes has a GF Score™ of 76/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Dream Finders Homes' Cash-to-Debt compare to LGIH and BXBL?
According to the Homebuilding & Construction industry distribution chart, Dream Finders Homes ranks #74 out of 93 companies for Cash-to-Debt. This places Dream Finders Homes in the lower half of its industry. The industry median Cash-to-Debt is 0.38. Dream Finders Homes' value of 0.11 is 71.1% below this benchmark. Historically, Dream Finders Homes' own Cash-to-Debt has ranged from 0.02 to 0.58 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 0.38, Dream Finders Homes has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Homebuilding & Construction company?
The median Cash-to-Debt among Homebuilding & Construction companies is 0.38, based on 93 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dream Finders Homes's current Cash-to-Debt of 0.11 is 71.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Homebuilding & Construction industry, the median Cash-to-Debt is 0.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dream Finders Homes's current Cash-to-Debt is 0.11, which is 35% below median its own 10-year median of 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dream Finders Homes stock overvalued right now?
Based on GuruFocus' analysis, Dream Finders Homes (DFH) is currently considered Possible Value Trap. The stock's GF Value™ is $26.21, compared to a current price of $14.70 — trading 43.9% below its estimated fair value. The current Cash-to-Debt is 0.11, which is 35% below median its 10-year median of 0.17 and 71.1% below the Homebuilding & Construction industry median of 0.38. Dream Finders Homes' overall GF Score™ is 76/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Dream Finders Homes (DFH), the current Cash-to-Debt is 0.11 as of Jun. 2026. 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 Dream Finders Homes (DFH) Overvalued in 2026?
Based on GuruFocus' analysis, Dream Finders Homes stock appears to be undervalued.
The current stock price of $14.70 is trading 43.9% below its estimated GF Value™ of $26.21.
GuruFocus considers Dream Finders Homes to be Possible Value Trap.
Key valuation signals for DFH:
Cash-to-Debt: 0.11 (35% below median its 10-year median of 0.17)
GF Value™: $26.21 vs. price of $14.70 (43.9% below fair value)
Industry Position: 71.1% below the Homebuilding & Construction median (#74 of 93)
No single metric tells the full story. See the DFH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dream Finders Homes Inc designs, builds and sells homes in markets throughout the United States. The company's primary focus is on constructing and selling single-family homes across entry-level, first-time move-up, second-time move-up, and active adult markets. Its homebuilding operations are organized into four reportable segments: Southeast, Mid-Atlantic, Midwest, and Financial Services. It generates the maximum of its revenue from the Midwest segment.
76GF Score
Get the complete analysis for DFH
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
DFH has been successfully added to your 
