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M/I HOMES INC (MHO) Stock Fundamental Analysis

NYSE:MHO - New York Stock Exchange, Inc. - US55305B1017 - Common Stock - Currency: USD

128.97  -1.53 (-1.17%)

Fundamental Rating

6

Taking everything into account, MHO scores 6 out of 10 in our fundamental rating. MHO was compared to 63 industry peers in the Household Durables industry. Both the health and profitability get an excellent rating, making MHO a very profitable company, without any liquidiy or solvency issues. MHO scores decently on growth, while it is valued quite cheap. This could make an interesting combination. This makes MHO very considerable for value investing!


Dividend Valuation Growth Profitability Health

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8

1. Profitability

1.1 Basic Checks

MHO had positive earnings in the past year.
MHO had a positive operating cash flow in the past year.
MHO had positive earnings in each of the past 5 years.
Of the past 5 years MHO 4 years had a positive operating cash flow.
MHO Yearly Net Income VS EBIT VS OCF VS FCFMHO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

1.2 Ratios

MHO has a Return On Assets of 10.79%. This is amongst the best in the industry. MHO outperforms 84.13% of its industry peers.
Looking at the Return On Equity, with a value of 16.59%, MHO is in the better half of the industry, outperforming 74.60% of the companies in the same industry.
With a decent Return On Invested Capital value of 11.32%, MHO is doing good in the industry, outperforming 73.02% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for MHO is above the industry average of 10.40%.
Industry RankSector Rank
ROA 10.79%
ROE 16.59%
ROIC 11.32%
ROA(3y)12.39%
ROA(5y)11.7%
ROE(3y)20.45%
ROE(5y)20.97%
ROIC(3y)13.5%
ROIC(5y)13.06%
MHO Yearly ROA, ROE, ROICMHO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

MHO has a better Profit Margin (11.40%) than 88.89% of its industry peers.
In the last couple of years the Profit Margin of MHO has grown nicely.
Looking at the Operating Margin, with a value of 14.32%, MHO belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
MHO's Operating Margin has improved in the last couple of years.
MHO's Gross Margin of 25.53% is in line compared to the rest of the industry. MHO outperforms 49.21% of its industry peers.
MHO's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 14.32%
PM (TTM) 11.4%
GM 25.53%
OM growth 3Y4.25%
OM growth 5Y15.33%
PM growth 3Y5.7%
PM growth 5Y19.65%
GM growth 3Y3.13%
GM growth 5Y6.12%
MHO Yearly Profit, Operating, Gross MarginsMHO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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7

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), MHO is creating some value.
Compared to 1 year ago, MHO has less shares outstanding
Compared to 5 years ago, MHO has less shares outstanding
The debt/assets ratio for MHO is higher compared to a year ago.
MHO Yearly Shares OutstandingMHO Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
MHO Yearly Total Debt VS Total AssetsMHO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

An Altman-Z score of 4.49 indicates that MHO is not in any danger for bankruptcy at the moment.
MHO has a better Altman-Z score (4.49) than 79.37% of its industry peers.
MHO has a debt to FCF ratio of 7.33. This is a slightly negative value and a sign of low solvency as MHO would need 7.33 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 7.33, MHO is in the better half of the industry, outperforming 61.90% of the companies in the same industry.
A Debt/Equity ratio of 0.32 indicates that MHO is not too dependend on debt financing.
The Debt to Equity ratio of MHO (0.32) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 7.33
Altman-Z 4.49
ROIC/WACC1.34
WACC8.44%
MHO Yearly LT Debt VS Equity VS FCFMHO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1B 2B

2.3 Liquidity

A Current Ratio of 10.68 indicates that MHO has no problem at all paying its short term obligations.
MHO's Current ratio of 10.68 is amongst the best of the industry. MHO outperforms 95.24% of its industry peers.
MHO has a Quick Ratio of 2.09. This indicates that MHO is financially healthy and has no problem in meeting its short term obligations.
MHO has a Quick ratio of 2.09. This is amongst the best in the industry. MHO outperforms 88.89% of its industry peers.
Industry RankSector Rank
Current Ratio 10.68
Quick Ratio 2.09
MHO Yearly Current Assets VS Current LiabilitesMHO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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4

3. Growth

3.1 Past

MHO shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -0.92%.
Measured over the past years, MHO shows a very strong growth in Earnings Per Share. The EPS has been growing by 33.72% on average per year.
MHO shows a small growth in Revenue. In the last year, the Revenue has grown by 7.46%.
The Revenue has been growing by 12.50% on average over the past years. This is quite good.
EPS 1Y (TTM)-0.92%
EPS 3Y14.04%
EPS 5Y33.72%
EPS Q2Q%-13.67%
Revenue 1Y (TTM)7.46%
Revenue growth 3Y6.34%
Revenue growth 5Y12.5%
Sales Q2Q%4.76%

3.2 Future

MHO is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -4.85% yearly.
The Revenue is expected to grow by 3.93% on average over the next years.
EPS Next Y-12.9%
EPS Next 2Y-4.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-2.3%
Revenue Next 2Y0.43%
Revenue Next 3Y3.93%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
MHO Yearly Revenue VS EstimatesMHO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1B 2B 3B 4B 5B
MHO Yearly EPS VS EstimatesMHO Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 5 10 15 20

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7

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 7.08 indicates a rather cheap valuation of MHO.
Compared to the rest of the industry, the Price/Earnings ratio of MHO indicates a rather cheap valuation: MHO is cheaper than 88.89% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.51. MHO is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 7.23, the valuation of MHO can be described as very cheap.
Based on the Price/Forward Earnings ratio, MHO is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 34.09. MHO is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.08
Fwd PE 7.23
MHO Price Earnings VS Forward Price EarningsMHO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

MHO's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. MHO is cheaper than 87.30% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of MHO is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 25.69
EV/EBITDA 5.49
MHO Per share dataMHO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 50 100 150

4.3 Compensation for Growth

MHO has an outstanding profitability rating, which may justify a higher PE ratio.
MHO's earnings are expected to decrease with -4.85% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.21
EPS Next 2Y-4.85%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for MHO!.
Industry RankSector Rank
Dividend Yield N/A

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M/I HOMES INC

NYSE:MHO (8/11/2025, 11:44:56 AM)

128.97

-1.53 (-1.17%)

Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)07-23 2025-07-23/bmo
Earnings (Next)10-28 2025-10-28/bmo
Inst Owners98.3%
Inst Owner Change-0.06%
Ins Owners2.41%
Ins Owner Change11.75%
Market Cap3.40B
Analysts85.71
Price Target165.24 (28.12%)
Short Float %4.09%
Short Ratio3.98
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.28%
Min EPS beat(2)-5.31%
Max EPS beat(2)-1.25%
EPS beat(4)1
Avg EPS beat(4)-1.95%
Min EPS beat(4)-5.31%
Max EPS beat(4)2.29%
EPS beat(8)4
Avg EPS beat(8)0.92%
EPS beat(12)8
Avg EPS beat(12)13.62%
EPS beat(16)11
Avg EPS beat(16)12.03%
Revenue beat(2)1
Avg Revenue beat(2)-5.26%
Min Revenue beat(2)-13.77%
Max Revenue beat(2)3.25%
Revenue beat(4)3
Avg Revenue beat(4)-1.88%
Min Revenue beat(4)-13.77%
Max Revenue beat(4)3.25%
Revenue beat(8)5
Avg Revenue beat(8)-2.78%
Revenue beat(12)8
Avg Revenue beat(12)3.23%
Revenue beat(16)9
Avg Revenue beat(16)1.23%
PT rev (1m)2.1%
PT rev (3m)2.1%
EPS NQ rev (1m)4.12%
EPS NQ rev (3m)-7.48%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.8%
Revenue NQ rev (1m)5.13%
Revenue NQ rev (3m)-3.95%
Revenue NY rev (1m)0.2%
Revenue NY rev (3m)-2.84%
Valuation
Industry RankSector Rank
PE 7.08
Fwd PE 7.23
P/S 0.76
P/FCF 25.69
P/OCF 24.47
P/B 1.1
P/tB 1.11
EV/EBITDA 5.49
EPS(TTM)18.21
EY14.12%
EPS(NY)17.85
Fwd EY13.84%
FCF(TTM)5.02
FCFY3.89%
OCF(TTM)5.27
OCFY4.09%
SpS170.02
BVpS116.79
TBVpS116.17
PEG (NY)N/A
PEG (5Y)0.21
Profitability
Industry RankSector Rank
ROA 10.79%
ROE 16.59%
ROCE 14.75%
ROIC 11.32%
ROICexc 13.86%
ROICexgc 14.69%
OM 14.32%
PM (TTM) 11.4%
GM 25.53%
FCFM 2.95%
ROA(3y)12.39%
ROA(5y)11.7%
ROE(3y)20.45%
ROE(5y)20.97%
ROIC(3y)13.5%
ROIC(5y)13.06%
ROICexc(3y)16.19%
ROICexc(5y)15.2%
ROICexgc(3y)16.79%
ROICexgc(5y)15.85%
ROCE(3y)17.59%
ROCE(5y)17.02%
ROICexcg growth 3Y1.84%
ROICexcg growth 5Y16.09%
ROICexc growth 3Y2.49%
ROICexc growth 5Y16.51%
OM growth 3Y4.25%
OM growth 5Y15.33%
PM growth 3Y5.7%
PM growth 5Y19.65%
GM growth 3Y3.13%
GM growth 5Y6.12%
F-Score5
Asset Turnover0.95
Health
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF 7.33
Debt/EBITDA 1.48
Cap/Depr 41.19%
Cap/Sales 0.15%
Interest Coverage 250
Cash Conversion 21.12%
Profit Quality 25.91%
Current Ratio 10.68
Quick Ratio 2.09
Altman-Z 4.49
F-Score5
WACC8.44%
ROIC/WACC1.34
Cap/Depr(3y)52.66%
Cap/Depr(5y)82.58%
Cap/Sales(3y)0.18%
Cap/Sales(5y)0.32%
Profit Quality(3y)61.14%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-0.92%
EPS 3Y14.04%
EPS 5Y33.72%
EPS Q2Q%-13.67%
EPS Next Y-12.9%
EPS Next 2Y-4.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.46%
Revenue growth 3Y6.34%
Revenue growth 5Y12.5%
Sales Q2Q%4.76%
Revenue Next Year-2.3%
Revenue Next 2Y0.43%
Revenue Next 3Y3.93%
Revenue Next 5YN/A
EBIT growth 1Y-2.93%
EBIT growth 3Y10.86%
EBIT growth 5Y29.74%
EBIT Next Year-11.35%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-74.25%
FCF growth 3YN/A
FCF growth 5Y22.9%
OCF growth 1Y-73.42%
OCF growth 3YN/A
OCF growth 5Y22.33%