BLDR
Builders FirstSource, Inc.Evidence as of 2026-09-02Moneyta sentiment
Where the published evidence leans after the desk debated it — not a rating or a recommendation.
−0.3 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled — the rest of the page is the evidence behind it.
The evidence balance is Mixed ( -0.2 of a possible +2; was -0.2 before debate) · confidence high. Revenue from contracts eased from 4,178,092,000 for the quarter 2025-04-01 to 2025-06-30 (fiscal Q2 2025) to 3,862,548,000 for the quarter 2026-04-01 to 2026-06-30 (fiscal Q2 2026). Gross profit ranged from 1,299,041,000 in fiscal Q2 2025 to 1,086,787,000 in fiscal Q2 2026, with intervening quarters of 1,199,483,000 (fiscal Q3 2025) and 928,966,000 (fiscal Q1 2026).
Operating income shows a steady decline across the reported periods: 311,287,000 for 2025-04-01 to 2025-06-30 (fiscal Q2 2025), 228,768,000 for 2025-07-01 to 2025-09-30 (fiscal Q3 2025), 184,441,000 for 2025-01-01 to 2025-03-31 (fiscal Q1 2026), and 128,507,000 for 2026-04-01 to 2026-06-30 (fiscal Q2 2026). Net income moved from positive results of 185,031,000 (fiscal Q2 2025) and 122,384,000 (fiscal Q3 2025) to losses of 47,414,000 (fiscal Q1 2026) and 3,900,000 (fiscal Q2 2026). Cash and cash equivalents fell from 181,753,000 as of 2025-12-31 to 65,651,000 as of 2026-06-30.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else — no outside knowledge, no browsing — so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC — revenue, margins, income, debt and share count, quarter by quarter — and reports which way the trend is running.
Revenue from contracts was 4,178,092,000 for the quarter 2025-04-01 to 2025-06-30 (fiscal Q2 2025) and 3,862,548,000 for the quarter 2026-04-01 to 2026-06-30 (fiscal Q2 2026).
XBRL companyfacts · 0001193125-26-325451Gross profit was 1,299,041,000 for the quarter 2025-04-01 to 2025-06-30 (fiscal Q2 2025), 1,199,483,000 for the quarter 2025-07-01 to 2025-09-30 (fiscal Q3 2025), 928,966,000 for the quarter 2026-01-01 to 2026-03-31 (fiscal Q1 2026), and 1,086,787,000 for the quarter 2026-04-01 to 2026-06-30 (fiscal Q2 2026).
XBRL companyfacts · 0001193125-26-325451Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Nothing in this slice of the evidence rose to a claim — a quiet read, which itself is information.
Which filings the desk reads
The desk reads the annual 10-K in full — its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet — its risk analysis fills in once that lands.
Reads the signal panel above — momentum, volatility, drawdown, relative strength and beta — and ranks each against the whole research universe rather than judging it in isolation.
No computed signal history for this symbol yet — signals need roughly 70 trading days of price history.
Reads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
As of 2026-09-02T13:45:47.228469+00:00, BLDR is held in the ETF with symbol IVV.
ETF constituents · market dataThe weight of BLDR in IVV at that time is 0.01% of the fund.
ETF constituents · market dataReads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
Builders FirstSource is described as the sole lead investor in Digs' US$25.3 million Series A and as having signed a five-year commercial partnership to embed Digs' AI platform into its homebuilding ecosystem.
News · finance.yahoo.com · 2026-08-25Multiple distinct outlets are carrying coverage of the Digs partnership and Builders FirstSource's role, including finance.yahoo.com and simplywall.st.
News · finance.yahoo.com · 2026-09-02Reads parsed Forms 3/4/5 — who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
No insider transactions on file in the trailing 180 days.
Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
Builders FirstSource reported trailing twelve-month free cash flow of $845,774,000 (fcf_ttm).
Valuation inputs · SEC XBRL + stored EOD closeFree cash flow per share on a trailing twelve-month basis is $7.863 (fcf_per_share) using the provided share count.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score — the argument is shown, not hidden, so you can judge the reasoning yourself.
Several directly reported items point to a constructive operating and capital-generation profile despite near-term earnings noise. SEC-filed revenue and recent-quarter gross profit figures show sizable top-line scale and a Q2 2026 gross-profit recovery (strong evidence), and trailing twelve‑month free cash flow and EBITDA are sizable on a reported basis (strong evidence) indicating material cash-generation capacity. Share-count reduction is documented in filings and supports higher per‑share economics (moderate–strong evidence). Company-specific strategic news — a sole lead investment and five‑year commercial partnership to embed an AI platform — is covered across multiple outlets and accompanied by at least one institutional buy (moderate evidence), which together strengthen a favorable operational-read thesis. The bear points (declining operating income, recent net losses, and lower cash on hand) are drawn from the same filing set but are counterweighted by strong reported cash-flow and EBITDA metrics and by strategic initiatives; the strengths of the cash‑flow and transaction evidence mitigate, in an informational sense, the bear narrative about temporary profit volatility (evidence mix: operating earnings and net income — strong; cash-flow/EBITDA and partnership news — strong).
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.38
18 surviving claims rest on 8 distinct sources; the heaviest analyst carries 33% of them, and 100% of what the desk raised survived the debate.
The evidence set is moderately broad (eight distinct sources) but still somewhat fragile: one analyst contributes a third of the surviving claims and the review left all raised points unchallenged. That combination means these claims can carry informational weight, but users should treat them as relatively sensitive to new or correcting facts because a few sources drive a large share of the conclusions.
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment — when the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here — no outside knowledge, no browsing — and each card shows who read it and what it contributed to the score.
11 filings· 1 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data — not retyped or estimated.
Read by Mercer−0.5 to the score
1 holdings record
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.0 to the score
8 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only — it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal — the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
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The full terminal on BLDR Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations.