📊 CCS Key Takeaways
Is Century Communities, Inc. (CCS) a Good Investment?
Century Communities is in operational distress with interest coverage of 0.4x, indicating inability to cover debt service from operating income. Negative operating cash flow (-$50.3M) and sharply declining profitability (net income down 55.8% YoY) signal deteriorating financial health despite a moderate debt-to-equity ratio.
Century Communities shows positive free cash flow, a still-profitable operating profile, and moderate balance-sheet leverage, which support financial stability. However, the sharp year-over-year declines in revenue, net income, and EPS, combined with thin margins and weak interest coverage, point to deteriorating earnings quality. Fundamentally, the company appears stable but not strong enough to merit a more constructive rating until profitability improves.
Why Buy Century Communities, Inc. Stock? CCS Key Strengths
- Moderate debt-to-equity ratio of 0.57x demonstrates relative leverage discipline
- Positive stockholders' equity of $2.6B provides equity cushion for creditors
- Still generating positive net income of $24.4M despite severe margin compression
- Positive free cash flow generation of $124.31M supports internal funding capacity
- Moderate debt-to-equity of 0.56x indicates leverage is manageable relative to equity
- Large equity base of $2.59B provides balance-sheet support through a cyclical housing environment
CCS Stock Risks: Century Communities, Inc. Investment Risks
- Interest coverage of 0.4x is critically low—operating income cannot cover interest expenses, indicating imminent solvency stress
- Negative operating cash flow of -$50.3M and free cash flow of -$57.1M show cash burn despite positive net income; quality of earnings concern
- Net income collapsed 55.8% YoY while revenue declined 6.4% YoY, demonstrating accelerating profit deterioration and potential margin floor breach
- Net income fell 55.8% YoY and EPS fell 53.3% YoY, indicating significant earnings pressure
- Very thin operating and net margins leave limited room for execution or housing-market weakness
- Interest coverage of 2.4x suggests reduced flexibility if borrowing costs stay elevated or profits weaken further
Key Metrics to Watch
- Operating cash flow recovery—must return to positive to demonstrate operational sustainability
- Interest coverage ratio—must exceed 1.0x to service debt from operations without capital infusions
- Gross margin and operating margin stabilization—further compression indicates structural profitability crisis
- Operating margin and net margin trend
- Interest coverage and free cash flow trend
Century Communities, Inc. (CCS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CCS Profit Margin, ROE & Profitability Analysis
CCS vs Market Sector: How Century Communities, Inc. Compares
How Century Communities, Inc. compares to Market sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Century Communities, Inc. Stock Overvalued? CCS Valuation Analysis 2026
Based on fundamental analysis, Century Communities, Inc. shows some fundamental concerns relative to the Market sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Century Communities, Inc. Balance Sheet: CCS Debt, Cash & Liquidity
CCS Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Century Communities, Inc.'s revenue has shown modest growth of 4% over the 5-year period. The most recent EPS of $8.05 reflects profitable operations.
CCS Revenue Growth, EPS Growth & YoY Performance
CCS Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $789.7M | $24.4M | $0.84 |
| Q3 2025 | $980.3M | $37.4M | $1.25 |
| Q2 2025 | $1.0B | $34.9M | $1.14 |
| Q1 2025 | $903.2M | $39.4M | $1.26 |
| Q3 2024 | $889.4M | $83.0M | $2.58 |
| Q2 2024 | $844.2M | $51.4M | $1.60 |
| Q1 2024 | $753.0M | $33.3M | $1.04 |
| Q3 2023 | $889.4M | $83.2M | $2.58 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Century Communities, Inc. Dividends, Buybacks & Capital Allocation
CCS SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Century Communities, Inc. (CIK: 0001576940)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CCS
What is the AI rating for CCS?
Century Communities, Inc. (CCS) has a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (HOLD) with 80% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CCS's key strengths?
Claude: Moderate debt-to-equity ratio of 0.57x demonstrates relative leverage discipline. Positive stockholders' equity of $2.6B provides equity cushion for creditors. ChatGPT: Positive free cash flow generation of $124.31M supports internal funding capacity. Moderate debt-to-equity of 0.56x indicates leverage is manageable relative to equity.
What are the risks of investing in CCS?
Claude: Interest coverage of 0.4x is critically low—operating income cannot cover interest expenses, indicating imminent solvency stress. Negative operating cash flow of -$50.3M and free cash flow of -$57.1M show cash burn despite positive net income; quality of earnings concern. ChatGPT: Net income fell 55.8% YoY and EPS fell 53.3% YoY, indicating significant earnings pressure. Very thin operating and net margins leave limited room for execution or housing-market weakness.
What is CCS's revenue and growth?
Century Communities, Inc. reported revenue of $789.7M.
Does CCS pay dividends?
Century Communities, Inc. pays dividends, with $9.3M distributed to shareholders in the trailing twelve months.
Where can I find CCS SEC filings?
Official SEC filings for Century Communities, Inc. (CIK: 0001576940) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CCS's EPS?
Century Communities, Inc. has a diluted EPS of $0.84.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CCS a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, Century Communities, Inc. has a SELL rating with 80% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is CCS stock overvalued or undervalued?
Valuation metrics for CCS: ROE of 1.0% (sector avg: 15%), net margin of 3.1% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy CCS stock in 2026?
Our dual AI analysis gives Century Communities, Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CCS's free cash flow?
Century Communities, Inc.'s operating cash flow is $-50.3M, with capital expenditures of $6.8M. FCF margin is -7.2%.
How does CCS compare to other Market stocks?
Vs Default sector averages: Net margin 3.1% (avg: 12%), ROE 1.0% (avg: 15%), current ratio N/A (avg: 1.8).