At a glance
Century Communities Inc is worth $1.60B, about 12 times its fiscal 2025 earnings. Revenue fell 6.4% to $4.12B in fiscal 2025, with 3.6% kept as profit; over 5 years it has grown 5.4% a year. It pays a 2.2% dividend yield, raised every year for at least 4 years, and returned $505.4M to shareholders in dividends and buybacks over FY2021–FY2025. The stock returned −9.3% over the past year with dividends reinvested and −2.0% a year over five years, against +11.5% and +11.7% for the S&P 500. At its worst it fell 73.3% in the 2020 crash (S&P 500: 33.7%) and 49.0% in the 2022 bear market (S&P 500: 24.5%), and was back at its earlier high 5 months and 13 months after the lows.
The business in plain English
Century Communities describes itself as one of the largest homebuilders in the United States. It buys land, often prepares it with streets and utilities, and builds and sells single-family homes: detached houses and attached homes that share walls. As of December 31, 2025, it operated in 16 states and more than 45 markets. It acts as general contractor, with subcontractors doing the building, which typically takes three to four months per home.
It markets homes under two brands. Century Communities homes focus on affordable prices but also serve buyers moving up from an earlier home, with limited upgrade options. Century Complete targets entry-level buyers, markets mainly through retail studios and online, and offers no upgrades. Of the 10,387 new homes delivered in 2025, about 94% were priced below the Federal Housing Administration's limits for the government-insured loans many first-time buyers use, and about 99% were built move-in ready rather than to order.
In fiscal 2025, revenue was about $4.12 billion. Century Complete was the largest segment at 23.1%, followed by Mountain (Arizona, Colorado, Nevada and Utah) at 21.5%, West (California and Washington) at 20.3%, Southeast at 16.6% and Texas at 14.1%. Century Living, which builds multi-family rentals in Colorado, added 2.4%, and Financial Services, which provides mortgages, title, insurance and escrow mainly to its buyers, added 2.1%.
Price history
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CCS -9.3% over the year to Oct 28, 2026, total return with dividends reinvested.
How it makes money
By business segment
| Century Complete | $952.6M | 23.1% |
| Mountain | $884.4M | 21.5% |
| West | $834.8M | 20.3% |
| Southeast | $682.1M | 16.6% |
| Texas | $580.6M | 14.1% |
| Century Living | $97.2M | 2.4% |
| Financial Services Segment | $86.2M | 2.1% |
Latest results
- In Q3 FY2026 (ended Sep 30, 2026), revenue was $864.5M, down 11.8% from a year earlier, and net income was $12.6M (-66.3%).
- For fiscal 2025, revenue was $4.12B (-6.4% year over year; +5.4% a year from FY2020 to FY2025) with a 3.6% net margin.
Financial health check
| Revenue growth a year (FY2020–FY2025) | +5.4% good |
|---|---|
| Free cash flow margin | 3% watch |
| Return on equity (FY2025) | 5.7% weak |
| Return on assets (FY2025) | 3.3% watch |
| Net cash (cash minus debt) | $-1.08B weak |
| Fiscal year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2020 | $3.16B | $206.2M | $331.6M |
| FY2021 | $4.22B | $498.5M | $-210.1M |
| FY2022 | $4.51B | $525.1M | $294.9M |
| FY2023 | $3.69B | $259.2M | $-1.7M |
| FY2024 | $4.40B | $333.8M | $86.7M |
| FY2025 | $4.12B | $147.6M | $124.3M |
Valuation snapshot
| Market value | $1.60B |
|---|---|
| P/E ratio | 11.7 |
| Dividend yield | 2.2% |
Rank among 1514 US companies
Market value at each year end
Century Communities’s market value went from $441.9M at the end of 2016 to $1.60B on Oct 28, 2026, about 3.6 times as much; since the end of 2025 it is down 8%.
Show as a table
| Year end | Market value | Change |
|---|---|---|
| Oct 28, 2026 | $1.60B | -8.1% |
| 2025 | $1.74B | -24.1% |
| 2024 | $2.30B | -20.6% |
| 2023 | $2.90B | +82.3% |
| 2022 | $1.59B | -42.5% |
| 2021 | $2.76B | +89.1% |
| 2020 | $1.46B | +70.3% |
| 2019 | $857.4M | +61.5% |
| 2018 | $530.9M | -38.1% |
| 2017 | $857.5M | +94.1% |
| 2016 | $441.9M |
Price behavior
| YTD | 1 yr | 3 yr | 5 yr | 10 yr | |
|---|---|---|---|---|---|
| CCS price data to Oct 28, 2026 | -3.0% | -9.3% | -0.7% | -2.0% | +12.0% |
Show as a table
| Year | Price data |
|---|---|
| 2026 (to date) | -3.0% |
| 2025 | -17.6% |
| 2024 | -18.6% |
| 2023 | +84.8% |
| 2022 | -37.9% |
| 2021 | +88.0% |
| 2020 | +60.1% |
| 2019 | +58.5% |
| 2018 | -44.5% |
| 2017 | +48.1% |
| 2016 | +18.6% |
| 2015 | +2.5% |
| 2008 financial crisis stocks fell Oct 9, 2007 – Mar 9, 2009 | Before this security existed |
|---|---|
| 2020 COVID crash stocks fell Feb 19, 2020 – Mar 23, 2020 | Lost 69% over that stretch · deepest drop along the way 73.3%, back to its old high 5.1 months after the low |
| 2022 bear market stocks fell Jan 3, 2022 – Oct 12, 2022 | Lost 44.9% over that stretch · deepest drop along the way 49%, back to its old high 12.9 months after the low |
Insider activity
Form 4 filings from 2025-10-30 to 2026-10-30 (23 read): 0 open-market purchases and 2 sales ($7.3M).
| Date | Insider | Type | Value |
|---|---|---|---|
| Feb 12, 2026 | Dale Francescon Executive Chairman, Director | sell | $6.3M |
| Feb 12, 2026 | Dale Francescon Executive Chairman, Director | sell | $906K |
Who owns it
Large shareholders (13G filings)
| BlackRock, Inc. | 14.2% | Mar 31, 2025 |
| Dale Francescon | 7.5% | Dec 31, 2025 |
| Dimensional Fund Advisors LP | 6.9% | Mar 31, 2025 |
| Robert J. Francescon | 6.5% | Dec 31, 2025 |
| Capital World Investors | 5.1% | Sep 30, 2025 |
| STATE STREET CORPORATION | 5% | Jun 30, 2026 |
| Wellington Management Group LLP | 3.1% | Mar 31, 2026 |
ETFs with the most weight in CCS
| HOMZ Hoya Capital Housing ETF | 0.63% |
| RZV Invesco S&P SmallCap 600® Pure Value ETF | 0.63% |
| FYT First Trust Small Cap Value AlphaDEX Fund | 0.63% |
| DGRS WisdomTree US Smallcap Quality Dividend Growth Fund | 0.41% |
| SVAL iShares US Small Cap Value Factor ETF | 0.39% |
| HAPS Harbor Human Capital Factor US Small Cap ETF | 0.32% |
| FYX First Trust Small Cap Core AlphaDEX Fund | 0.31% |
| RWJ Invesco S&P SmallCap 600 Revenue ETF | 0.31% |
What could go wrong
- Entry-level buyers depend on affordable mortgages. Many buyers need mortgages, and its homes target price-sensitive buyers. The company says still-high interest rates, economic uncertainty and weaker consumer confidence cut demand in 2025 versus 2024, a trend that could continue.
- Unsold homes and land tie up money. About 99% of 2025 deliveries were built move-in ready, not to order. At year-end 2025, it owned 57.1% of its 60,916 lots and held options on the rest. Falling home prices could cut their value.
- Mortgage arm relies on reselling loans. Its Inspire Home Loans arm lends to many buyers, then resells the loans to investors. If that resale market seized up, home sales could drop or it might have to keep risky loans.
- Heavy exposure to Western and Mountain states. Its Mountain segment (21.5% of fiscal 2025 revenue) and West segment (20.3%) cover just Arizona, Colorado, Nevada, Utah, California and Washington. A local slowdown, stricter rules or severe weather there could hurt results.
- Substantial debt in a capital-hungry business. As of June 30, 2026, it had about $1.12 billion of debt and $92 million in cash and investments. Acquiring land needs steady funding, so tighter credit or higher borrowing costs could stall growth.
- Labor and material shortages squeeze margins. Subcontractors typically do all construction, without long-term contracts. Shortages or price jumps for workers, lumber, steel or concrete, including from inflation, can delay deliveries and shrink profit on each home.
Recent events
- Quarterly results released
- Major agreement signed; New debt or financial obligation
- Quarterly results released
- Shareholder vote results
- Quarterly results released
- Quarterly results released
For income and retirement investors
Century Communities pays a quarterly dividend and raised it every fiscal year from 2022 through 2025. Dividends per share grew from $0.44 in fiscal 2021 to $1.14 in fiscal 2025, about 27% a year. That payout used 23.5% of earnings and 27.9% of free cash flow (cash left after operating costs and investment). The yield was 2.2% as of October 28, 2026. Buybacks were larger: $367 million over fiscal 2021–2025, versus $138 million in dividends, and the share count fell 15.8% from July 2021 to July 2026. Free cash flow has dipped below zero in some years, and the 10-K warns the dividend may not continue at the same rate, or at all.
The stock has dropped sharply in downturns. It fell 73.3% in the 2020 COVID crash, recovering about five months after its March 18, 2020 low, and 49% in the 2022 bear market, recovering by July 14, 2023. Single stocks carry more risk than diversified funds.
Questions investors ask
How does Century Communities make money?
Mostly by building and selling single-family homes. In fiscal 2025, revenue was about $4.12 billion, and its five homebuilding segments, led by the Century Complete brand at 23.1%, produced nearly all of it. Financial Services, which offers mortgages, title, insurance and escrow mainly to its own buyers, added 2.1%, and Century Living, which builds multi-family rentals in Colorado, added 2.4%. It delivered 10,387 new homes that year, about 94% priced below the limits for government-insured Federal Housing Administration mortgages.
Does Century Communities pay a dividend?
Yes. It pays a quarterly cash dividend that totaled about $1.14 per share in fiscal 2025, up from about $0.44 in fiscal 2021, with increases every fiscal year from 2022 through 2025. That used 23.5% of fiscal 2025 earnings, and the yield was 2.2% as of October 28, 2026. It also spent about $143.6 million on share buybacks in fiscal 2025. The 10-K cautions that the company cannot promise to keep paying at the same rate, or at all.
Why did Century Communities' profits fall in 2025?
Weaker demand for its homes was a major factor. Net income fell 55.8% to about $147.6 million in fiscal 2025, and earnings per share dropped from $10.40 to $4.86, while revenue slipped 6.4% to about $4.12 billion. The 10-K says lower consumer confidence, economic uncertainty and still-high interest rates reduced demand and hurt 2025 results, and that this could continue. In the quarter ended June 30, 2026, revenue was 7.3% lower than a year earlier, while net income rose 3.7%.
How much debt does Century Communities have?
About $1.12 billion as of June 30, 2026, against roughly $92 million in cash and investments and about $2.57 billion of shareholders' equity (assets minus liabilities). The company calls its debt substantial, says it restricts operations, and expects to keep borrowing because acquiring and developing land takes a lot of capital. On October 1, 2026, it filed a report disclosing a major agreement and a new debt obligation.
How has Century Communities stock performed over time?
Unevenly, with strong 10-year gains and weaker shorter-term results. As of October 28, 2026, the share price was up 211% over 10 years, about 12% a year, but down about 10% over five years and 9.3% over one year. It fell 18.6% in 2024 and 17.6% in 2025 after rising 84.8% in 2023. Its deepest drop since its 2014 public offering was 73.3%, during the 2020 COVID crash, and it fell 49% in the 2022 bear market.