10-KPeriod: FY2025

HORTON D R INC /DE/ Annual Report, Year Ended Sep 30, 2025

Filed November 19, 2025For Securities:DHI

Summary

D.R. Horton, Inc. (DHI) has reported its fiscal year 2025 results, showcasing its continued leadership as the largest homebuilder in the U.S. Despite a 7% decrease in consolidated revenues to $34.3 billion and a 25% drop in pre-tax income to $4.7 billion compared to fiscal 2024, the company maintained a strong market position. The decline in revenue and profitability is attributed to a 5% decrease in homes closed and a 7% decrease in home sales revenue, influenced by ongoing affordability constraints and cautious consumer sentiment, leading to increased sales incentives and a lower home sales gross margin of 21.5%. The company's robust balance sheet and liquidity position provide flexibility to navigate current economic conditions. Despite the challenging market, D.R. Horton continues to focus on its strategic initiatives, including managing inventory levels, offering diverse product types, and controlling costs. The company also demonstrated its commitment to shareholder returns through substantial share repurchases and dividend payments. Its integrated business model, encompassing homebuilding, rental, lot development (through Forestar), and financial services, provides diversification and resilience. Investors should note the impact of rising interest rates on affordability and the company's strategy to adapt through incentives and pricing adjustments.

Financial Statements
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Key Highlights

  • 1D.R. Horton closed 84,863 homes in fiscal 2025, making it the largest homebuilder in the U.S. for the 23rd consecutive year.
  • 2Consolidated revenues decreased by 7% to $34.3 billion, while pre-tax income decreased by 25% to $4.7 billion compared to fiscal 2024.
  • 3Home sales gross margin decreased to 21.5% from 23.5% in fiscal 2024, reflecting increased sales incentives to address affordability constraints.
  • 4The company repurchased approximately $4.3 billion of its common stock in fiscal 2025 under a $5.0 billion authorization.
  • 5Homebuilding inventories remained substantial at $20.3 billion, with lots controlled through purchase contracts representing 75% of the total land/lot position.
  • 6The financial services segment saw an 81% financing rate for DHI Mortgage for homes closed, up from 78% in the prior year.
  • 7Forestar Group Inc., a majority-owned subsidiary, reported revenues of $1.7 billion, with 83% of its lots sold in fiscal 2025 going to D.R. Horton.

Frequently Asked Questions

In fiscal 2025, D.R. Horton experienced a decrease in consolidated revenues by 7% to $34.3 billion and a 25% decline in pre-tax income to $4.7 billion. This was primarily due to a 5% reduction in the number of homes closed and a 7% decrease in home sales revenue, attributed to market conditions affecting affordability and consumer sentiment, leading to increased sales incentives and a lower gross margin.

D.R. Horton is focusing on managing home pricing, sales incentives, and inventory levels to align with local market demand and affordability constraints. The company plans to maintain an elevated level of sales incentives and continue to leverage its strong balance sheet and liquidity for operational flexibility. They are also prioritizing the purchase of finished lots from Forestar and other developers.

D.R. Horton repurchased approximately $4.3 billion of its common stock in fiscal 2025 under a $5.0 billion authorization. The company also declared quarterly cash dividends, with a $0.45 per share dividend approved in October 2025, reflecting its commitment to shareholder returns.

Forestar Group Inc., in which D.R. Horton owns a 62% stake, is a key part of D.R. Horton's homebuilding strategy. Forestar develops residential lots across the U.S., and D.R. Horton acquires a significant portion of these finished lots. This relationship helps D.R. Horton maintain control over its land and lot position, ensuring a steady supply for its homebuilding operations.