ROARABLE
FREE $100K
Today Screener Big Ideas Track Record 💰 $100K Arena 🎲 Predictions 🏛️ Insiders 8 Analysts
Stock Ratings / Consumer Discretionary / MHO
KBH (53) GEO (47) GRBK (56) MTH (59) ⌘ Pro Terminal →

M/I Homes Inc. (MHO) — RQD Stock Rating Cockpit

$132.76 +3.49% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $133.34

M/I Homes Inc. (MHO) carries a Roarable Rating of D (Sell) with 48/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D • SELL / AVOID Cap $3.21B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on MHO Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is MHO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, M/I Homes Inc. (NYSE: MHO) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 48/100 at a spot price of $132.76 (+3.49% 1D, market cap $3.21B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 12/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 14/20. Across 1009 tracked Consumer Discretionary issuers, MHO ranks #585 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does MHO compare to KBH and GEO in the Consumer Discretionary sector?
▼

Within the Consumer Discretionary sector (Homebuilding), MHO carries a Roarable D (48/100 RQD), trailing P/E of 8.0x, gross margin of 23.0%, and ROIC of 12.6%. By comparison, KBH (KB Home) holds a D+ grade (53/100 RQD, P/E 6.8x, ROIC 11.0%, cap $2.91B) and GEO (Geo Group Inc) posts a D grade (47/100 RQD, P/E 14.8x, ROIC 6.6%, cap $3.75B). Among the 5-stock peer group, KBH leads on earnings multiple (6.8x) while GRBK leads on capital efficiency (18.5% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for MHO?
▼

Per MHO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000799292), M/I Homes Inc. generated $4.42B in revenue (-1.9% YoY), $402.9M in net income, and $127.7M in free cash flow against $4.78B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $133.34 (+0.44%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 2.9% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (48/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.6% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D
025507510048
2-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D
Cash (9)Whales (7)SEC (12)Macro (6)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE-4.5% Base Target
$172 Bull$127 Base$99 Bear
📬 FREE MHO RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for MHO)Realized 20D OHLCV Swing Band: ±7.2%
Deterministic 5-Pillar Attribution (48/100 Composite)
🔍 WHY MHO SCORES 48/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (29% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+12/20 pts (25% of score)

Altman Z-Score 3.43 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 3/9

▼ #1 Drag / Risk Factor: Macro Regime Fit6/20 pts (-14 pt drag)

Macro rate sensitivity & RSI-14 (49.1) create a -14 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
40
Grade D$125.99-1.5% Next Q
Q2 (-2Q)
43
Grade D$124.06+1.7% Next Q
Q3 (-1Q)
45
Grade D$126.17+5.2% Next Q
Current
48
Grade D$132.76-5.6% Hist 90D α
Trajectory: D (40) → D (48)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a MHO Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While MHO currently carries a cautious 48/100 (D) rating due to Macro Regime Fit (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Company leadership has skin in the game with net positive insider conviction.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($135.27) and Max Pain ($139.40) forces dealer call-delta covering toward $171.84.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.80% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $MHO• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “MHO Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 48%NO 52%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
49.130 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.43>3.0 Fortress Safe
PIOTROSKI F-SCOREWEAK QUALITY (1–4)
3 / 99-Pt Accounting
52-WEEK LASER RANGE39% OF RANGE
L: $113$132.76H: $164
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 9 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D+RQD 21 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 18 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on MHO

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (45)

12.6% ROIC with 23.0% gross margin and 3.98% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (60)

Altman-Z 3.43 and Piotroski 3/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (45)

21/40 institutional & smart-money positioning score with 6/20 macro alignment.

Bull Case: Why Buyers Like MHO
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
  • !Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring MHO)

  • ✓Walkthrough of MHO's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
MHO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +5.59%▼ DESCENDING CHANNEL
2026-11-03O $128.3H $132.8L $128.3C $132.8VOL 225.2K
RES: $144.4SUP: $109.9SMA50: $135.3SMA200: $137.6
$167.2$152.6$138.0$123.5$108.9RES $144.4SUP $109.9$132.82026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

MHO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 MHO Butterfly Map → + Track MHO →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-5.5%/yr Implied 5Y Growth

vs. -1.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on MHO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for MHO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for MHO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (MHO)

Consumer Discretionary Rank #585 of 1009 ⚔️ KBH vs MHO Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (MHO vs. KBH, GEO, GRBK, MTH)

Industry: Homebuilding (31 Tracked Issuers)

Across 1009 tracked Consumer Discretionary securities in the Roarable RQD universe, M/I Homes Inc. (MHO) ranks #585 by composite RQD confidence (48/100, grade D) and #344 by equity capitalization ($3.21B). Within this direct 5-issuer industry benchmark cohort, KBH leads on earnings valuation at 6.8x trailing P/E, while GRBK leads on capital efficiency and profitability with 18.5% ROIC and 31.4% gross margin. MTH currently holds the highest overall quantitative score in the immediate peer group at 59/100 (C-) compared with MHO at 48/100 (D).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
MHO ACTIVE
M/I Homes Inc.
D 48/100 8.0x 23.0% 12.6% +3.49% $3.21B Benchmark Subject
KBH
KB Home
D+ 53/100 6.8x — 11.0% +5.67% $2.91B /kbh-vs-mho →
GEO
Geo Group Inc
D 47/100 14.8x — 6.6% -2.21% $3.75B /geo-vs-mho →
GRBK
Green Brick Partners Inc.
D+ 56/100 7.7x 31.4% 18.5% +4.72% $2.58B /grbk-vs-mho →
MTH
Meritage Homes Corporation
C- 59/100 9.3x — 8.0% +7.04% $4.20B /mth-vs-mho →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000799292 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), M/I Homes Inc. (MHO) reported GAAP revenue of $4.42B (-1.9% vs. FY2024 revenue of $4.50B , and +9.5% cumulative change since FY2023) , GAAP net income of $402.9M, operating cash flow of $137.3M, and free cash flow of $127.7M (-25.4% YoY). On the balance sheet, MHO closed FY2025 with $4.78B in total assets against $0 in total debt (Altman Z-Score: 3.43, Piotroski F-Score: 3/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $4.42B $402.9M $137.3M $127.7M $4.78B —
FY2024 (FY) 2024-12-31 $4.50B $563.7M $179.7M $171.3M $4.55B —
FY2023 (FY) 2023-12-31 $4.03B $465.4M $552.1M $552.1M — —

3. MHO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is MHO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, M/I Homes Inc. (NYSE: MHO) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 48/100 at a spot price of $132.76 (+3.49% 1D, market cap $3.21B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 12/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 14/20. Across 1009 tracked Consumer Discretionary issuers, MHO ranks #585 in composite RQD confidence.

How does MHO compare to KBH and GEO in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Homebuilding), MHO carries a Roarable D (48/100 RQD), trailing P/E of 8.0x, gross margin of 23.0%, and ROIC of 12.6%. By comparison, KBH (KB Home) holds a D+ grade (53/100 RQD, P/E 6.8x, ROIC 11.0%, cap $2.91B) and GEO (Geo Group Inc) posts a D grade (47/100 RQD, P/E 14.8x, ROIC 6.6%, cap $3.75B). Among the 5-stock peer group, KBH leads on earnings multiple (6.8x) while GRBK leads on capital efficiency (18.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for MHO?

Per MHO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000799292), M/I Homes Inc. generated $4.42B in revenue (-1.9% YoY), $402.9M in net income, and $127.7M in free cash flow against $4.78B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is MHO trading relative to its 50-day, 200-day, and 52-week technical levels?

MHO last traded at $132.76 (+3.49% on volume of 364,012 shares), positioning the stock -1.86% below its 50-day simple moving average ($135.27) and -3.49% below its 200-day simple moving average ($137.56). Across its 52-week range of $113.40 to $163.66, MHO sits at the 38.5% percentile with a 14-day RSI of 49.1 (NEUTRAL RANGE) and an implied next-earnings move of ±7.2% ($123.20 to $142.32).

Direct Sub-Reports: MHO RQD Cockpit MHO 12M Forecast MHO Earnings & Move MHO Dividends & DRIP MHO Insiders & 13F MHO Whale Options MHO Profit Sankey MHO News & Why
ROARABLE RATING BRIEF • RQD 48/100 (D) ✓ SEC XBRL & RQD VERIFIED

MHO — M/I Homes Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

M/I Homes Inc. (MHO) earns a live Roarable RQD composite score of 48/100, corresponding to a D letter grade (Roarable Sell) at a spot price of $132.76 (+3.49% 1D, market capitalization $3.21B).

  • Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 12.6%, gross margin of 23.0%, operating margin of 11.5%, and free cash flow yield of 3.98%.
  • Whale 13F & Options Flow (7/20) + Insider Conviction (14/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (6/20) + Forensic Balance Sheet (12/20): Incorporates a 1.00x equity beta, Altman Z-Score of 3.43, Piotroski F-Score of 3/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

M/I Homes Inc. Is a NYSE-listed issuer classified in the Consumer Discretionary sector and the Homebuilding industry. Revenue, operating income, and net income are reported in the SEC financials for FY 2023 through FY 2025 (see Financial Trend), which reflect the scale of operations.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), M/I Homes Inc. (MHO) reported $4.42B in annual revenue (up from $4.50B in FY2024, -1.9% YoY) and $402.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($4.03B revenue, $465.4M net income) through FY2025, MHO scaled operating cash flow to $137.3M and free cash flow to $127.7M, backed by $4.78B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D • RQD 48/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 3.98% and institutional whale pillar of 7/20. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 7/20, sustained execution supports upside toward the upper end of the $113.40 – $163.66 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 8.0x trailing P/E and 6.2x EV/EBITDA against 11.5% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

No upstream or downstream dependencies, sector correlations, or second-order bottlenecks are recorded (supply_chain: NONE; butterfly_links: empty).

  • Key Question #1: Can MHO sustain or expand its 11.5% operating margin and 12.6% ROIC against Homebuilding peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $4.42B and free cash flow of $127.7M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is MHO's 7.4x forward P/E multiple to Consumer Discretionary capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

MHO Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for M/I Homes Inc. (MHO) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to MHO Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

MHO Bull vs. Bear Conversation Board — What's Your Call at $132.76?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON MHO 🐻 33% BEARISH CONVICTION
1. Pick Your Side on MHO:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
CA CashFlowKing RQD DEBATE OPENER • FCF Compounder Hunter 🐂 BULLISH 🎯 Target: $169.33 (+32.0%)
📌 Pinned Debate

Low P/E of 8 and EV/EBITDA of 6.2 coupled with a 14/20 Insider Conviction pillar suggest the market may be discounting the stock relati

Long MHO at $128.28 targeting $169.33. Low P/E of 8 and EV/EBITDA of 6.2 coupled with a 14/20 Insider Conviction pillar suggest the market may be discounting the stock relative to its earnings base.. Institutional whale score is 7/20 and the risk/reward vs. the $113.40 52-week low is skewed heavily in favor of bulls.

EarningsSniper 🐂 BULL

@CreditSpread_Watch Shorting a 7/20 institutional whale-flow stock at $128.28 is dangerous when funds are rotating into Consumer Discretionary.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $97.49 (-24.0%)
Spot @ $128.28

A Macro Regime Fit score of 5/20, a Piotroski F-Score of 3/9, and a RED-flagged high-mortgage-rate risk item point to cyclical and fund

Here is the bear case nobody on the bull side wants to address on MHO: A Macro Regime Fit score of 5/20, a Piotroski F-Score of 3/9, and a RED-flagged high-mortgage-rate risk item point to cyclical and fundamental pressure.. At 8.0x trailing P/E, even a small guidance miss in Homebuilding triggers a 12-15% air pocket.

LIVE TAPE SPY $752.10 -1.80% QQQ $681.09 -3.60% DIA $519.34 -1.08% IWM $279.14 -1.68% NVDA $202.06 -1.26% AAPL $338.32 -1.83% MSFT $507.12 -2.83% TSLA $403.82 +1.00% PLTR $178.34 -3.13% SOFI $16.60 -0.95% IBIT $43.35 -5.42% GLD $361.65 -3.59%