Short answer
Century Communities, Inc. (CCS) filed its fiscal 2025 10-K annual report with the SEC on Jan 29, 2026. It reported revenue of $4.1B (−6.4% year over year) and net income of $148M.
- Top risk flagged: Regulatory risk: compliance with cybersecurity and data privacy regulations overseen by CIO and Audit Committee, involving potential disclosure obligations for material incidents
FY2025 key financial metrics · XBRL
- Revenue
- $4.1B
- −6.4% YoY
- Net income
- $148M
- −55.8% YoY
- EPS (diluted)
- $4.86
- −53.3% YoY
- ROE
- 5.7%
- −7.0 pp YoY
- Operating cash flow
- $153M
- +21.8% YoY
Source: XBRL data from the Century Communities, Inc. (CCS) FY2025 10-K on SEC EDGAR. USD.
Century Communities, Inc. FY2025 10-K analysis
AI summary of each section, grounded in the filing text
Business Overview
- Core business model: homebuilding focused on single-family attached/detached homes across 16 states, with land entitlement, development, and construction
- New emphasis on Century Complete segment targeting entry-level buyers via retail and internet sales with limited customization options
- Strategic divestiture of rental properties in 2024, reflected by no development expenditure and proceeds from sale in 2025
- Inventory impairment charges increased to $21.8M in 2025 from $8.8M in 2024, reflecting tougher market conditions in valuation of homebuilding inventories
- Senior notes issuance of $500M at 6.625% due 2033 and simultaneous extinguishment of $500M senior notes due 2027, altering debt maturity profile
Management Discussion & Analysis
- Interest expense exposure with Credit Agreement debt at fixed rate 6.6% and variable rate 5.5% average as of 12/31/2025
- Inflation risk cited from higher land, labor, materials, causing potential demand weakness due to mortgage rate rises
- Cash flow seasonal: highest new home orders in spring, deliveries and cash receipts concentrated in 2H of year
- Forward risk: potential tariffs and inflationary environment adversely impacting costs and demand
Risk Factors
- Regulatory risk: compliance with cybersecurity and data privacy regulations overseen by CIO and Audit Committee, involving potential disclosure obligations for material incidents
- Operational risk: dependence on CIO with 20+ years homebuilding IT experience for cybersecurity risk management and reporting to senior management
- Cybersecurity risk: evolving threats require continuous updates from outside advisors and active oversight by independent Audit Committee lacking direct cybersecurity expertise
- Governance risk: cybersecurity oversight delegated to Audit Committee with no members holding IT or cybersecurity certifications, relying on external guidance
- Strategic risk: cybersecurity incident impacts could disrupt company operations, requiring integration of cybersecurity into strategic decision-making by senior leadership
Generated from the filing text; verify against the original. How to read a 10-K
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