Back to News
Earnings AnalysisCOMP

COMP Q4 2025: Record $7B Year, $175M Synergies Actioned in 6.5 Weeks, Rocket/Redfin Alliance Adds New Moat Layer

Matt RuncheySHORELINE, WA — February 26, 2026 · 5:30 PM PST6 min

Disclosure: As of 2026-02-10, the Runchey Research Model Trading Fund holds a long position in COMP. View our full Editorial Integrity & Disclosure Policy.

Compass delivered the strongest quarter and year in its history while simultaneously demonstrating merger execution that exceeded every external expectation. Revenue of $1.7B (+23% YoY) and Adjusted EBITDA of $58.3M (+249%) both beat the high end of guidance. Full-year 2025 revenue of approximately $7B surpassed the 2021 peak of $6.4B — achieved with existing home sales volumes roughly 50% below that peak's market. And then there was the Rocket/Redfin alliance.

Our 4-lens committee maintained all six signal labels but softened four of them within their existing bands, with confidence increasing on three. The thesis classification upgraded from price-above-value to price-at-value at $10.12 after hours — driven by the combination of improved execution evidence, a new competitive moat layer, and a 17.5% stock decline from the original assessment price of $12.27.

By the Numbers

Q4 Revenue
$1.7B
+23% YoY, above guidance
FY2025 EBITDA
$293M
All-time high
Synergies Actioned
$175M
In 6.5 weeks post-close
Year 1 Target
$250M
Raised from $150M (+67%)
3-Year Target
$400M
Raised from $300M (+33%)
Convertible Notes
0.25%
$1B at historic low coupon
Rocket/Redfin Leads
1.2M
3-year exclusive alliance
After-Hours Price
$10.12
Down 17.5% from $12.27
Thesis Upgraded: Price-Above-Value to Price-at-Value
The combination of (1) synergy execution dramatically ahead of plan (+27pp to 82% probability), (2) a new competitive moat via the Rocket/Redfin exclusive alliance, and (3) a 17.5% stock decline shifts risk-reward from unfavorable to approximately balanced. The bearish markers (Q1 EBITDA guided well below $150M, leverage locked above 4.0x, SBC above $150M threshold) are now expected outcomes reflecting management's own guidance rather than negative surprises. At $10.12 — well below the convertible conversion price of $15.98 — the market is pricing significant execution risk that may now be partially de-risked.

The Synergy Story: From Unproven to Partially Demonstrated

This was the original analysis's weakest point. The Consolidation Calibrator calculated a 43x year-1 synergy premium — among the highest for any transformational deal — and three of four lenses flagged synergy targets as unprecedented with “no relevant precedent.”

Six-and-a-half weeks later, $175M has been actioned. CEO Robert Reffkin raised the Year 1 target from $150M to $250M and the 3-year target from $300M to $400M. A transformation office serves as the “single control tower.” The composition is encouraging: slightly over 50% is reduced CapEx from cutting Anywhere's technology capitalization (~$80M/year historically), with the remainder in OpEx from headcount and vendor consolidation.

Actioned ≠ Realized
The distinction matters: only approximately $100M of the $175M actioned will be realized in calendar 2026 ($5M in Q1, ramping to $44M in Q4). Cost-to-achieve runs up to 50% of actioned synergies. Net synergy cash flow benefit in 2026 may be a modest $50-75M after cost-to-achieve. The deleveraging trajectory is more credible but not yet de-risked.

Rocket/Redfin Alliance: First Evidence of Scale-Derived Advantage

Announced concurrently with earnings, the 3-year exclusive strategic alliance with Rocket/Redfin is the most significant competitive development since the merger itself. It was entirely absent from our February 8 analysis.

The deal delivers 1.2M high-intent leads over three years from Redfin.com and Rocket Mortgage. Compass listings (Coming Soons, Private Exclusives) get priority placement on Redfin with 60M monthly active users — with no days-on-market or price-drop history displayed. Agent names and brokerage affiliations are prominently displayed. And it's exclusive to Compass International Holdings' nine brands.

This directly addresses the Moat Mapper's core concern: agents are independent contractors with no contractual lock-in. The alliance creates incentive-based switching friction — leaving a Compass brand means forfeiting access to leads, favorable listing presentation, and mortgage incentives that no competitor can offer. Our committee upgraded switching costs from Weak-Moderate to Moderate and shifted the moat trajectory from “Uncertain” to “Cautiously Positive.”

Signal Confirmations

All six signals retained their labels with four softening within bands:

SignalAssessmentChange
ACCOUNTING_INTEGRITYQUESTIONABLEUnchanged — PPA pending May 2026
CAPITAL_DEPLOYMENTMIXEDConfidence ↑ (synergy pace)
FUNDING_FRAGILITYSTRETCHEDMid-range (was upper boundary)
COMPETITIVE_POSITIONCONTESTEDConfidence ↑, trajectory positive
NARRATIVE_REALITY_GAPDIVERGINGMid-range (was high end)
EXPECTATIONS_PRICEDDEMANDINGMid-range (was high end)

The Myth Meter saw the most nuanced evolution. Synergy confidence upgraded from DIVERGING to PARTIALLY ALIGNED — the first sub-element to change in the original analysis. Scale advantage improved as the Rocket/Redfin deal provided the first evidence that 340,000 agents and 700,000+ listings generate advantages competitors cannot replicate. But tech identity remains DISCONNECTED: revenue is still 100% commission, AI produces $0 in technology licensing, and the CEO's expanded “trust and proprietary data” narrative is aspirational, not measured.

Forecast Market Updates

Our 9-model ensemble updated all eight active forecast markets. No markets were resolvable from this earnings event — all have resolution dates in H2 2026 or later.

MarketBeforeAfterShift
Year 1 Synergies >$100M55%82%+27pp
Agent Retention >95%67%75%+8pp
Goodwill Impairment <18mo13%11%-2pp
Housing >10% Decline28%20%-8pp
Zillow Trial Favorable20%20%0pp
Q1 Combined EBITDA >$150M30%5%-25pp
H1 Net Leverage <4.0x40%10%-30pp
SBC Annualized <$150M22%6%-16pp

The three large downward shifts (Q1 EBITDA, leverage, SBC) reflect expected outcomes from management's own guidance — not negative surprises. The Q1 EBITDA guidance of $15-35M makes the $150M threshold near-impossible. The CEO's SBC commitment of <$50M/quarter ($200M annualized) is above the $150M threshold. And no debt prepayment before April 2027 locks leverage above 4.0x for the near term.

The two large upward shifts (synergies, agent retention) reflect genuine positive surprises from the earnings data, making the thesis shift meaningful rather than mechanical.

What to Watch

First Combined 10-Q FilingMay 2026

Covenant headroom, combined EBITDA, purchase price allocation. The single most important data point remaining.

Compass v. Zillow TrialJune 2026

80% probability of unfavorable ruling. Rocket/Redfin creates alternative distribution but legal outcome still matters.

Platform Migration to Owned BrokeragesJuly 2026

The real agent retention test. Early positive signals may not survive forced workflow changes.

Q2 2026 SBC Below $50MAugust 2026

CEO made explicit commitment. Failure to deliver would be a credibility concern.

Synergy Realization: Q4 = $44MQ4 2026

Management guided $44M realized in Q4 from $175M actioned. If materially short, synergy credibility weakens.

Bottom Line
Compass's Q4 2025 results represent the best possible start to a merger integration that our original analysis rated as high-risk. Record standalone performance, synergy execution dramatically ahead of plan, a strategic alliance that validates the scale thesis, and favorable financing terms collectively shift the probability distribution toward positive outcomes — but the critical tests remain ahead. The first combined filing in May 2026, the Zillow trial in June, and the platform migration in July will determine whether the early evidence of successful execution translates to sustained value creation or was merely the easy part of a much harder journey.

This report was generated by the Runchey Research AI Ensemble using primary SEC data and reviewed by Matthew Runchey for accuracy.

This analysis is for educational purposes only and does not constitute investment advice. See our Editorial Integrity & Disclosure Policy and Terms of Service.