Dream Finders Homes, Inc. is classed by the SEC under Operative Builders (industry code 1531), based in Jacksonville, FL. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $4.3 billion and a profit of $204 million (its filed statements).
Project businessOperative BuildersJacksonville, FLfilings since 20209 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a project business: prior from its industry code (SEC 1531, Operative Builders); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.4 out of ten, 9 of 9 metrics filed: past 5.2 out of ten, present 4.3 out of ten, future 3.1 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 0.8 out of ten. 2 warning events since 2020; the latest 2026-05-15. 8th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 7.3 out of ten. +34.1% a year over 7 filed years; profitable in 7 of 7. 73rd percentile among 17 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 7.4 out of ten. Share count shrank 1.7% a year. 100% of cash flow returned. Insiders: 23 sales, 8 purchases. 74th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 3.4 out of ten. ROE 15%: 15¢ of profit per shareholder dollar. Leverage 62%: owes 62¢ per asset dollar. 34th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 6.0 out of ten. top 40% of 17 in its family; net margin 5%. 60th percentile among 17 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 2.2 out of ten. bottom 22% of 15 in its family for leadership; chief executive since 2021. 22nd percentile among 15 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 1.5 out of ten. bottom 15% of 15 in its family for room to expand. 15th percentile among 15 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 3.8 out of ten. bottom 38% of 17 in its family for growth drivers. 38th percentile among 17 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 4.1 out of ten. bottom 41% of 16 in its family for expectations against reality. 41st percentile among 16 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-24 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-07-30 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-30 (on EDGAR). Newest filing: Form D, 2026-09-22. Filings on record since 2020. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Home Building 96%, Financial Service 4%. As tagged in its annual report (Form 10-K, filed 2026-02-24).
Who runs it
Zalupski, Patrick O. (President and CEO); Fernandez, Lorena Anabel (Senior VP and CFO); Szubinski, Clinton (COO); Beckwitt, Richard (director); Fischer, Steven (director); Sturm, Len (director); Lovett, William Radford II (director); Parekh, Megha H. (director); Udelhofen, Justin (director); Weatherford, William (director). 10 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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