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INVESTOR PRESENTATION JANUARY 2026
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FORWARD -LOOKING STATEMENTS Certain statements in this Investor Presentation are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, as amended. These forward-looking statements often discuss our plans, strategies, intentions, markets, beliefs, forecasts and guidance, and may be identified by reference to a future period or periods or by the use of forward-looking terminology, such as "expects," "may," "will," "believes," "should," "would," "could," "approximately," "anticipates," "estimates," "targets," "intends," "likely," "projects,“ “goals,” "positioned," "strategy," "opportunity," "future," “continue,” and "plans." In addition, these words may use the positive or negative or other variations of those terms. All statements other than statements of historical fact are "forward-looking statements" for purposes of federal and state securities laws. There is no guarantee that any of the events anticipated by these forward-looking statements will occur. These statements involve known and unknown risks, uncertainties and other factors that may cause our actual results, levels of activity, performance or achievements to differ materially from those expressed or implied by the forward-looking statement. Forward-looking statements are based on various assumptions and current expectations of management and may not be accurate because of risks and uncertainties surrounding these assumptions and expectations. Certain factors may cause actual results to differ significantly from these forward-looking statements. If any of the events occur, there is no guarantee what effect they will have on our operations or financial condition. Major risks, uncertainties and assumptions include, but are not limited to, risks relating to: adverse changes in general economic conditions, including employment rates, inflation, housing starts, interest rate levels, and availability and cost of financing for home mortgages; the potential impact of tariffs and increased costs, immigration reform, global supply chain disruptions, labor, land and raw material or other resource shortages and delays, and municipal and utility delays on our business, industry and broader economy; the ability to identify and acquire desirable land; availability and cost of financing; the effect of interest rate and tax changes; reliance on contractors and key personnel; availability and pricing of labor, land and raw materials and other resources; home incentive levels; ability to adapt our business strategy to changing demographics and home buying patterns and trends; competition; governmental regulation; our capital and financing needs and availability; future impairment and restructuring charges; any unforeseen changes to or effects on our liabilities, future capital expenditures, revenues, expenses, earnings, dividends, indebtedness, financial condition, the ability to pay dividends in the future, losses and future prospects; and demand fluctuations in the housing industry. It is not possible to predict or identify all such factors. In addition, we have disclosed under the heading "Risk Factors" in our most recent Annual Report on Form 10-K and subsequent quarterly reports on Form 10-Q, the risk factors which materially affect our business, financial condition and operating results. Investors are encouraged to review our SEC reports for additional information regarding the risks and uncertainties that may cause actual results to differ materially from those expressed in any forward- looking statement. The forward-looking statements herein speak as of the date hereof, and we undertake no obligation to publicly update or revise any forward-looking statement to reflect future events, developments or otherwise, except as may be required by applicable law. N O N - GAAP F I N A N C I A L I N F O R M A T I O N This Investor Presentation includes certain non-GAAP financial measures as defined by SEC rules. Such non-GAAP financial measures are presented as a supplemental financial measurements in the evaluation of our business. We believe the presentation of these financial measures helps investors to assess our operating performance from period to period and enhances understanding of our financial performance and highlights operational trends. Non-GAAP financial measures are widely used by investors in the valuation, comparison, rating and investment recommendations of companies. However, such measurements may not be comparable to those of other companies in our industry, which limits their usefulness as a comparative measures. Such measures are not required by or calculated in accordance with GAAP and should not be considered as a substitutes for net income or any other measure of financial performance reported in accordance with GAAP or as a measure of operating cash flow or liquidity. N O N - S O L I C I T A T I O N The information in this Investor Presentation is for informational purposes only and is neither an offer to sell, nor a solicitation of an offer to subscribe for or buy any securities in any jurisdiction in contravention of applicable law. No offer of securities shall be made except by means of a prospectus meeting the requirements of Section 10 of the Securities Act of 1933, as amended, and otherwise in accordance with applicable law. 2
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W H Y I N V E S T ✓ National homebuilder with geographic diversity across 16 states and over 45 markets. ✓ Track record of returning capital to shareholders through growing dividend and share repurchases. ✓ Invested, cycle-tested management team aligned with long- term stockholder interests. ✓ Focused on affordable new homes, a segment which offers one of the largest pools of potential buyers and is supported by constructive demographic trends. ✓ Flexible, lower risk land strategy that builds a pipeline of future lots to support growth while helping to reduce exposure to industry cycles. ✓ Ability to drive structurally higher returns by deepening our share in existing markets to generate increased scale and efficiencies. ✓ Existing lot supply and community count supportive of 10% delivery growth in both 2026 and 2027 assuming improved market conditions. ✓ 23 consecutive years of profitability. 3
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C O M PA N Y OV E R V I E W Century Communities, Inc. (NYSE: CCS) is one of the nation’s largest homebuilders, offering new homes under the Century Communities and Century Complete brands. Century is engaged in all aspects of homebuilding — including the acquisition, entitlement and development of land, along with the construction, innovative marketing and sale of quality homes designed to appeal to a wide range of homebuyers. The Colorado-based company operates in 16 states and over 45 markets across the U.S., and also offers mortgage, title, insurance brokerage and escrow services in select markets through its Parkway Title, IHL Home Insurance Agency, and Inspire Home Loans subsidiaries. 4
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F O C U S E D O N A F F O R DA B L E N E W H O M E S T H R O U G H T W O C O M P L E M E N T A R Y B R A N D S ✓ Focuses on affordable and attainable housing options while offering an extensive range of home types across a variety of price points. ✓ Sells homes through traditional model home sales structure while also offering online sales. ✓ Expertise in purchasing both finished lots and land development allows us to be opportunistic across a range of markets. ✓ Targets entry-level customers. ✓ Sells homes primarily through retail outlets and online as opposed to model homes. ✓ 100% spec, land -light, acquiring only finished lots, primarily just -in time. ✓ Highly scalable business model, which requires less capital investment and yields quicker asset turns. TM 5
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D R I V E H I G H E R R E T U R N S B Y D E E P E N I N G S H A R E I N E X I S T I N G M A R K E T S o Established a diversified, national footprint over the past 10+ years with a presence in 16 states and over 45 markets. o Future growth focused on deepening our share in existing markets through both organic growth and selective acquisitions. o Focus on spec production and increased scale at the national level and market share at the local level driving greater purchasing power and homebuilding efficiencies. o Fully developed corporate support functions that can support meaningful additional growth with limited incremental fixed cost increases. C U R R E N T L A N D S U P P L Y P O S I T I O N E D T O D R I V E G R O W T H , C O N T R O L C O S T S & M I T I G A T E R I S K o Existing lot supply and community count supportive of 10% delivery growth in both 2026 and 2027 assuming improved market conditions. o Controlling land costs, with 2026 finished lot costs only expected to increase in the low single-digit percentage range over Q4 2025 levels. o Lower risk land option strategy provides the ability to control significant amounts of land for future growth for a limited investment and the ability to exit positions at a reasonable cost in the event of a market downturn. B A L A N C E D C A P I T A L A L L O C A T I O N S U P P O R T I V E O F F U T U R E G R O W T H & R E T U R N S T O S H A R E H O L D E R S o 2026 land acquisition and development expense projected to be roughly flat on a year-over-year basis while supporting community count growth and potential for increased deliveries subject to market conditions. o Excess capital to be deployed to dividend and opportunistic share repurchases, after having repurchased over 7% of outstanding shares in 2025. O U R S T R AT E GY 6
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1Source: Company filings, Period is Fiscal Year 2025. Results exclude Century Living. Market reportable segments are defined as follows: West (California and Washington), Mountain (Arizona, Colorado, Nevada and Utah), Texas, Southeast (Florida, Georgia, North Carolina, South Carolina and Tennessee), and Century Complete (Alabama, Arizona, Florida, Georgia, Indiana, Kentucky, Michigan, North Carolina, and South Carolina).. DIVERSIFIED REVENUE BASE A C R O S S N A T I O N A L F O O T P R I N T $4.1 Billion In total revenues1 H O M E S A L E D E L I V E R I E S TOTAL 10,387 DELIVERIES CENTURY COMPLETE (CMP) 35% WEST 14% TEXAS 19% SOUTHEAST 15%MOUNTAIN 17% 7
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DEEPENING SHARE T O D R I V E H I G H E R R E T U R N S o Established a diversified, national footprint over the past 10+ years with a presence across high-growth markets in 16 states and over 45 markets. o Top 10 market share in 13 of the 50 largest U.S. markets, including Atlanta, Denver, Houston, Las Vegas, Nashville, Phoenix and Seattle. o Future growth focused on deepening our share in existing markets through both organic growth and selective acquisitions. o Increased scale at the national level and market share at the local level driving greater purchasing power and homebuilding efficiencies. o Fully developed corporate support functions that can support meaningful additional growth with limited incremental fixed cost increases. 8
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B E N E F I T S O F S P E C H O M E C O N S T R U C T I O N o Reduces the time between contract, closing and delivery providing Century with increased visibility into costs and margin protection, particularly during periods of increased costs and inflation. o Spec homes streamline the construction process and help mitigate supply chain challenges resulting in more efficient build times. o Drives increased profitability to the bottom line. o Quicker inventory turns and improved ROE. o Allows buyers to purchase quick move-in homes and lock in mortgage rates for certainty of financing. Century Communities Home Deliveries are Spec Builds1 98% Total Company Home Deliveries are Spec Builds1 99% Century Complete Home Deliveries are Spec Builds1 100% 1 Based on 4Q 2025 Total Home Deliveries M E A N I N G F U L F O C U S O N SPEC HOMES 9
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U S I N G S C A L E T O LOWER THE COST OF HOMEOWNERSHIP $506 $412 $378 $262 $0 $100 $200 $300 $400 $500 $600 New Home Average New Home Median Century Communities Inc. Century Complete 2025 Average New Home Sales Price ($000s) Source: U.S. Census Bureau and Century Communities, Inc. Note: Average and Median New Home Price based on data through October 2025. In the markets we serve, we strive to build high-quality, affordable homes so that we can help more people purchase a home. By focusing on spec home construction, leveraging our scale and providing attractive mortgage rates through our financial services business, we have been able to deliver new homes at prices below the national average and median home price. In 2025, the average sales price for the 10,387 new homes we delivered was $378,000, well below the national average price for a new home of $506,000 and national median price of $412,000. The average sales price for our Century Complete brand was even lower, with an ASP of just $261,600 in 2025. 94% O F T O T A L C O M P A N Y H O M E D E L I V E R I E S P R I C E D B E L O W F H A L I M I T S 1 1 Based on 4Q 2025 Total Home Deliveries 10
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LO WER RISK, FLEXIBLE L AND STRATEGY C A R E F U L L Y M A N A G E D A C R O S S D I V E R S I F I E D M A R K E T S T O R E D U C E E X P O S U R E T O I N D U S T R Y C Y C L E S o Existing lot supply and community count supportive of 10% delivery growth in 2026 and 2027 assuming improved market conditions, with 2026 finished lot costs only expected to increase in the low-single digit percentage range over Q4 2025 levels and 2026 land acquisition and development expense expected to be consistent with 2025 levels. o Flexibility to control significant amounts of land for future growth for a limited investment and ability to exit positions at a reasonable cost in the event of a market downturn, all without adversely impacting our nearer term need for lots on which to start homes. o Geographically balanced land portfolio provides greater opportunities for growth across our national footprint and mitigates risk from regional downturns. o Owned lots provide approximately 3 years of deliveries, positioning Century well in the years ahead. Century Complete 25% Southeast 21% Texas 28% Mountain 16% West 10% 1 Total lots as of December 31, 2025 TOTAL 60,916 Lots 1 Century Complete 26% Southeast 19% Texas 29% Mountain 17% West 9% Owned 57% Controlled 43% TOTAL 60,916 Lots 1 11
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H I STO RY O F SU CC E SSF U L ACQ U I S I T I O N S 12
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R E T U R N I N G C A P I T A L t o S H A R E H O L D E R S W H I L E GROWING BOOK VALUE $0.00 $0.45 $0.80 $0.92 $1.04 $1.16 2020 2021 2022 2023 2024 2025 A n n u a l D i v i d e n d p e r S h a r e $0 $0 $121 $19 $84 $144 2020 2021 2022 2023 2024 2025 S h a r e R e p u r c h a s e s ( $ m m ) % of Outstanding Shares 3% 7%7% 1% A n n u a l B o o k V a l u e p e r S h a r e 13
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M A I N TA I N I N G A S T R O N G B A L A N C E S H E E T Source: Public filings as of 12/31/2025 1Available liquidity calculated as cash, cash equivalents and cash held in escrow plus availability on the revolving creditfacility. 2Calculated by dividing net homebuilding debt (homebuilding debt less cash and cash equivalents, and cash held in escrow as disclosed in public SEC filings) by net capital (net homebuilding debt plus total stockholders’ equity as disclosed in public SEC filings). 3Calculated as Homebuilding Debt (as disclosed in public SEC filings) divided by trailing twelve months EBITDA (as disclosed in public SEC filings). ✓Significant liquidity position of $1.1bn1 ✓Net homebuilding debt to net capital of 25.9%2 ✓Homebuilding debt to LTM EBITDA of 3.7x3 ✓S&P rated BB ✓Moody’s rated Ba2 ✓$1.0bn unsecured revolving line of credit, matures November 2028 ✓$500mm 3.875% senior unsecured notes due August 2029 ✓$500mm 6.625% senior unsecured notes due September 2033 ✓No maturities until 2029 14
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F I N A N C I A L S E R V I C E S B U S I N E S S C R E A T E S S I M P L I F I E D , O N E - S T O P S H O P F O R H O M E B U Y E R S Fiscal Year 2025 Financial Services revenues of $86 million and pretax income of $19 million, with a 4Q 2025 capture rate of 84%. S T R O N G B U Y E R P R O F I L E A C R O S S B R A N D S : 729 A V E R A G E F I C O 1 718 A V E R A G E F I C O 1 Offering a wide range of financing options, Inspire Home Loans brings a customer-centered approach to finding a mortgage program that best suits the financial goals of homebuyers. A full-service title agency, Parkway Title is committed to delivering cost-effective and streamlined title insurance and settlement service solutions. Quick, precise and customer-friendly, the full- service team at IHL Home Insurance will put their expertise to work to find the best coverage and price for homebuyers. 1 Average FICO score based on 4Q 2025 closings. 15
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P U T T I N G H O M E B U Y E R S I N T H E D R I V E R ’ S S E A T E m p o w e r i n g H o m e b u y e r s E v e r y S t e p o f t h e W a y B u y O n l i n e, A n y t i m e : Century Communities’ industry-leading online homebuying platforms makes it possible for buyers to purchase their dream home online, 24/7, in just a few clicks. S e l f- G u i d e d To u r s & V i r t u a l A p p o i n t m e n t s : From the ability to view available homes in-person with self-guided tours, to scheduling video conferencing tours with sales representatives, Century Communities has integrated digital convenience into every aspect of the homebuying journey. S t r e a m l i n e d , B e l o w- M a r ke t F i n a n c i n g : Century Communities offers competitive, below-market rates and dedicated financing support – including guidance for those who don’t yet quality for a home loan – through the Company’s affiliate lender, Inspire Home Loans®. D e d i c at e d O n l i n e S a l e s Te a m : The Company’s knowledgeable team of online sales counselors is available to answer questions, provide recommendations, and guide buyers through every step of the process. C u s t o m e r Po r t a l : Century Communities’ website features a portal for both homebuyers and homeowners, making it easy for buyers to receive home progress, helpful reminders and more, while homeowners can use the portal to submit and track warranty requests. 16
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A P P E N D I X
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H I S T O R I C A L F I N A N C I A L S A N D N O N- G A A P R E C O N C I L I A T I O N S 18
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H I S T O R I C A L F I N A N C I A L S A N D N O N- G A A P R E C O N C I L I A T I O N S 19
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Century Communities, Inc. 8390 E. Crescent Parkway, Suite 650 Greenwood Village, CO80111 Contact Investor Relations InvestorRelations@CenturyCommunities.com