COMP vs FTHM Stock Comparison: AI Score, Valuation, Performance and Upside
COMP (Compass) and FTHM (Fathom Holdings) are both technology-focused residential real estate brokerages competing for agents and transactions through different approaches — Compass invests in proprietary technology and high-profile agent recruitment to dominate luxury urban markets, while Fathom Holdings offers a 100% commission flat-fee model with a virtual cloud-based infrastructure that attracts experienced agents seeking maximum income retention.
COMP vs FTHM is technology-enabled luxury brokerage with top-agent recruitment strategy and major metro market presence (Compass's proprietary platform, high-value transaction volume from recruited top agents, and luxury market brand positioning — agent acquisition costs, technology ROI ambiguity, and luxury market rate sensitivity) versus agent-centric cloud brokerage with 100% commission model eliminating traditional split economics (Fathom's flat-fee model, virtual zero-overhead infrastructure, and mortgage/title cross-sell — low per-transaction revenue, eXp Realty competition, and agent productivity variability).
COMP holds the edge across 3 of 5 key metrics in this comparison. COMP has delivered stronger 1-year price return (+30.92% vs -88.54% for FTHM). COMP leads on both revenue growth (109.00%) and operating margin (3.76%), suggesting a stronger fundamental setup on both dimensions.
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- Want major-metro luxury real estate brokerage exposure through Compass's top-agent strategy in high-value markets (NYC, LA, SF, Miami, DC) where transaction sizes generate substantial commission revenue per deal
- Value Compass's technology platform investment as creating a sticky agent relationship that reduces attrition among high-producing agents who build their workflows on Compass's CRM and marketing tools
- Believe Compass can achieve profitability at scale once agent recruitment costs normalize and technology investment amortizes across its growing agent base in premium urban markets
- Want agent-centric real estate brokerage exposure through the 100% commission model that offers experienced high-producing agents industry-leading economics — attracting agents voluntarily without expensive signing bonuses
- Value Fathom's virtual cloud-based model as providing an asset-light growth structure where national agent expansion doesn't require branch office capital investment
- Accept low per-transaction brokerage revenue for the growth potential in mortgage and title services that increase total revenue per Fathom agent relationship through adjacent transaction services
| Metric | COMP | FTHM |
|---|---|---|
| AI scorei | 27.4 | 21.2 |
| AI ranki | #2340 | #4905 |
| Latest closei | $9.57 | $0.20 |
| 1M returni | -7.36% | -61.36% |
| 3M returni | -20.25% | -76.68% |
| 6M returni | +17.57% | -78.12% |
| 1Y returni | +30.92% | -88.54% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | COMP | FTHM |
|---|---|---|
| 1Y ago | $13.09K (+30.9%) started 2025-10-16 | $1.15K (-88.5%) started 2025-10-16 |
| 5Y ago | $8.18K (-18.2%) started 2021-10-18 | $83.04 (-99.2%) started 2021-10-18 |
| 10Y ago | $4.75K (-52.5%) started 2021-04-01 | $201.1 (-98.0%) started 2020-07-31 |
Hypothetical — past performance does not guarantee future results.
| Metric | COMP | FTHM |
|---|---|---|
| Market capi | $7.98B | $6.9M |
| Trailing P/Ei | 173.25 | N/A |
| Forward P/Ei | 12.30 | N/A |
| Price/Salesi | N/A | 0.02 |
| EV/Revenuei | 1.07 | 0.08 |
| Analyst targeti | $15.42 | N/A |
| Target upsidei | +48.31% | N/A |
| Metric | COMP | FTHM |
|---|---|---|
| Revenue growthi | 109.00% | -5.60% |
| Earnings growthi | 60.30% | N/A |
| EPS growthi | +60.30% | N/A |
| FCF margini | +6.33% | -0.45% |
| Operating margini | 3.76% | -3.61% |
| Profit margini | 0.64% | -6.27% |
| ROIC proxyi | 3.63% | -79.00% |
| Return on equityi | 3.63% | -79.00% |
| Dividend yieldi | N/A | 0.00% |
| Payout ratioi | 0.00% | N/A |
| Dividend growth streaki | N/A | N/A |
| Betai | 2.34 | 2.25 |
| Debt/equityi | 137.56 | 124.03 |
| Current ratioi | 1.06 | 0.77 |
| Quick ratioi | 0.88 | 0.28 |
Over the past year, COMP and FTHM have moved weakly in the same direction (correlation of 0.18), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | COMP | FTHM |
|---|---|---|---|
| 1Y | Growthi | +30.92% | -88.54% |
| CAGRi | +30.94% | -88.56% | |
| Volatilityi | 65.47% | 131.02% | |
| Sharpe ratioi | 0.66 | -1.11 | |
| Sortino ratioi | 1.09 | -1.92 | |
| Max drawdowni | 50.81% | 89.32% | |
| Current drawdowni | 29.53% | 88.54% | |
| Avg drawdowni | 20.55% | 48.81% | |
| Ulcer Indexi | 26.27% | 52.02% | |
| Max daily dropi | 12.23% | 32.04% | |
| Max wkly dropi | 21.52% | 57.73% | |
| 5Y | Growthi | -18.21% | -99.17% |
| CAGRi | -3.94% | -61.69% | |
| Volatilityi | 80.26% | 101.87% | |
| Sharpe ratioi | 0.28 | -0.51 | |
| Sortino ratioi | 0.45 | -0.81 | |
| Max drawdowni | 86.32% | 99.34% | |
| Current drawdowni | 29.53% | 99.29% | |
| Avg drawdowni | 54.33% | 84.06% | |
| Ulcer Indexi | 58.67% | 86.11% | |
| Max daily dropi | 19.15% | 32.04% | |
| Max wkly dropi | 35.60% | 57.73% | |
| 10Y | Growthi | -52.51% | -97.99% |
| CAGRi | -12.57% | -46.69% | |
| Volatilityi | 77.84% | 98.84% | |
| Sharpe ratioi | 0.14 | -0.22 | |
| Sortino ratioi | 0.23 | -0.34 | |
| Max drawdowni | 90.82% | 99.65% | |
| Current drawdowni | 52.51% | 99.63% | |
| Avg drawdowni | 65.16% | 78.87% | |
| Ulcer Indexi | 67.93% | 83.88% | |
| Max daily dropi | 19.15% | 32.04% | |
| Max wkly dropi | 35.60% | 57.73% |
| Category | COMP | FTHM |
|---|---|---|
| Company | Compass, Inc. | Fathom Holdings Inc. |
| Sector | Real Estate | Real Estate - Cloud-Based Agent-Centric Brokerage (100% Commission Model) |
| Industry | Real Estate Services | Real Estate Services |
| Core business | Compass is a residential real estate brokerage that differentiates through a proprietary technology platform and high-profile agent recruitment strategy. Compass's Compass One platform provides agents with tools for: customer relationship management (CRM), property search and market analysis, listing management, digital marketing of listings, transaction management, and client communication; Compass uses proprietary data and technology to give agents an enhanced toolkit relative to agents using conventional MLS-only tools. Compass recruits high-producing agents (agents generating $5M-$50M+ in annual sales volume) through signing bonuses and competitive commission splits; this top-agent strategy prioritizes market presence in luxury and high-volume markets. Compass operates primarily in major U.S. metropolitan markets (New York, Los Angeles, San Francisco, Miami, Washington D.C., Boston, Chicago). | Fathom Holdings operates a cloud-based residential real estate brokerage offering a distinctive 100% commission model — rather than traditional brokerages taking 20-30% of agent commissions, Fathom charges agents a flat transaction fee (typically $450-600 per transaction) plus an annual membership fee; agents keep 100% of the commission earned on each transaction minus the flat fee; this model is economically attractive for high-producing agents who earn large commissions. Fathom operates virtually (no physical branch offices) and provides agents with technology tools, transaction support, and compliance assistance through its online platform. Fathom has approximately 11,000+ agents nationally. Fathom also operates subsidiary businesses including mortgage (Encompass Lending), title, and SaaS services for real estate agents. |
| Investor focus | Investors track Compass's gross transaction value (the total value of homes bought and sold by Compass agents), commission revenue, agent count and productivity, and path to profitability after significant investment in technology and agent acquisition. | Investors track Fathom's agent count growth, transactions per agent, total transaction volume, revenue per transaction, and the performance of subsidiary businesses (mortgage, title) that increase revenue per transaction beyond the flat brokerage fee. |
- Top-agent strategy in major markets provides luxury and high-value listing access — Compass's best agents control luxury listings and referral networks in their markets; losing a top agent is costly; this concentration of high-producing agents in major markets provides transaction value disproportionate to agent count
- Proprietary technology platform improves agent productivity and creates switching costs — agents who build their book of business on Compass's CRM, marketing tools, and technology have data and workflows embedded in Compass's system; migrating requires rebuilding these in a new brokerage's system
- Brand recognition in luxury real estate markets — Compass's marketing and design quality associated with its luxury positioning creates client-facing brand credibility in high-value transactions
- 100% commission model is highly attractive to high-producing agents — experienced agents who close $5M-20M+ in annual transactions save $50,000-200,000+ per year in commission splits compared to a traditional brokerage taking 20-30%; this value proposition drives agent recruitment without expensive signing bonuses
- Virtual cloud-based model eliminates physical office costs — Fathom has no branch office leases or associated overhead; operating costs are largely technology and agent support; this asset-light model allows Fathom to grow national agent count without proportional cost increases
- Adjacent services (mortgage, title) increase revenue per agent-transaction relationship — Fathom's strategy is to capture more of each transaction's total economics through integrated services
- Agent recruitment costs and commission splits are very high — to attract top agents, Compass pays signing bonuses and offers competitive commission splits; these costs create losses that require significant revenue scale to overcome; profitability has been slow to materialize
- High-rate housing market environment is particularly adverse for luxury urban markets — high mortgage rates disproportionately affect luxury buyers who often finance purchases; urban luxury markets (NYC, SF, LA) have seen fewer transactions in rate-shock environments
- Technology ROI is unclear — Compass has invested hundreds of millions in proprietary technology, but competitors argue that third-party tools (Follow Up Boss, Real Scout, Sierra Interactive) provide comparable functionality at lower cost; if technology is table stakes rather than a differentiator, Compass's investment doesn't provide the promised competitive advantage
- Revenue per transaction is very low without adjacent service attachment — at $450-600 flat fee per transaction, Fathom needs very high transaction volume to generate substantial revenue; the flat fee model means per-transaction revenue doesn't scale with home price inflation
- eXp Realty and similar virtual brokerages compete aggressively for the same agent-centric market — eXp is much larger and offers revenue sharing (agents earn income from agents they recruit) that Fathom doesn't; eXp's network effects make its agent value proposition stronger
- Agent count growth doesn't translate to proportional revenue without high transaction productivity — recruiting 10,000 agents who close one transaction per year generates less revenue than 2,000 agents who close 10 transactions per year; agent productivity tracking is critical
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