PULTEGROUP INC (PHM) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PHM - US7458671010 - Common Stock
124.91 USD
-1.34 (-1.06%)
PHM gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 61 industry peers in the Household Durables industry. PHM scores excellent points on both the profitability and health parts. This is a solid base for a good stock. PHM has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year PHM was profitable.
PHM had a positive operating cash flow in the past year.
In the past 5 years PHM has always been profitable.
PHM had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
PHM has a Return On Assets of 14.74%. This is amongst the best in the industry. PHM outperforms 96.72% of its industry peers.
PHM's Return On Equity of 20.51% is amongst the best of the industry. PHM outperforms 90.16% of its industry peers.
Looking at the Return On Invested Capital, with a value of 17.01%, PHM belongs to the top of the industry, outperforming 96.72% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for PHM is significantly above the industry average of 9.73%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 14.74% | ||
| ROE | 20.51% | ||
| ROIC | 17.01% |
ROA(3y)17.15%
ROA(5y)15.47%
ROE(3y)26.53%
ROE(5y)25.31%
ROIC(3y)19.16%
ROIC(5y)17.38%
1.3 Margins
PHM's Profit Margin of 14.93% is amongst the best of the industry. PHM outperforms 95.08% of its industry peers.
PHM's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 19.43%, PHM belongs to the top of the industry, outperforming 95.08% of the companies in the same industry.
PHM's Operating Margin has improved in the last couple of years.
PHM's Gross Margin of 27.15% is in line compared to the rest of the industry. PHM outperforms 59.02% of its industry peers.
PHM's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 19.43% | ||
| PM (TTM) | 14.93% | ||
| GM | 27.15% |
OM growth 3Y5.48%
OM growth 5Y10.79%
PM growth 3Y6.93%
PM growth 5Y11.77%
GM growth 3Y1.93%
GM growth 5Y4.44%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), PHM is creating value.
The number of shares outstanding for PHM has been reduced compared to 1 year ago.
Compared to 5 years ago, PHM has less shares outstanding
Compared to 1 year ago, PHM has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 6.10 indicates that PHM is not in any danger for bankruptcy at the moment.
PHM has a better Altman-Z score (6.10) than 86.89% of its industry peers.
The Debt to FCF ratio of PHM is 1.31, which is an excellent value as it means it would take PHM, only 1.31 years of fcf income to pay off all of its debts.
PHM's Debt to FCF ratio of 1.31 is fine compared to the rest of the industry. PHM outperforms 75.41% of its industry peers.
A Debt/Equity ratio of 0.16 indicates that PHM is not too dependend on debt financing.
PHM's Debt to Equity ratio of 0.16 is fine compared to the rest of the industry. PHM outperforms 70.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.31 | ||
| Altman-Z | 6.1 |
ROIC/WACC1.91
WACC8.89%
2.3 Liquidity
PHM has a Current Ratio of 5.08. This indicates that PHM is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 5.08, PHM is in the better half of the industry, outperforming 73.77% of the companies in the same industry.
PHM has a Quick Ratio of 5.08. This is a bad value and indicates that PHM is not financially healthy enough and could expect problems in meeting its short term obligations.
PHM has a Quick ratio of 0.50. This is in the lower half of the industry: PHM underperforms 77.05% of its industry peers.
The current and quick ratio evaluation for PHM is rather negative, while it does have excellent solvency and profitability. These ratios do not necessarly indicate liquidity issues and need to be evaluated against the specifics of the business.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 5.08 | ||
| Quick Ratio | 0.5 |
3. Growth
3.1 Past
PHM shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.77%.
The Earnings Per Share has been growing by 32.15% on average over the past years. This is a very strong growth
Looking at the last year, PHM shows a small growth in Revenue. The Revenue has grown by 1.76% in the last year.
The Revenue has been growing by 11.94% on average over the past years. This is quite good.
EPS 1Y (TTM)-2.77%
EPS 3Y25.56%
EPS 5Y32.15%
EPS Q2Q%-11.64%
Revenue 1Y (TTM)1.76%
Revenue growth 3Y9.32%
Revenue growth 5Y11.94%
Sales Q2Q%-1.6%
3.2 Future
Based on estimates for the next years, PHM will show a decrease in Earnings Per Share. The EPS will decrease by -3.61% on average per year.
PHM is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -1.28% yearly.
EPS Next Y-20.86%
EPS Next 2Y-12.3%
EPS Next 3Y-4.08%
EPS Next 5Y-3.61%
Revenue Next Year-4.06%
Revenue Next 2Y-2.87%
Revenue Next 3Y-0.3%
Revenue Next 5Y-1.28%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 9.62, the valuation of PHM can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of PHM indicates a somewhat cheap valuation: PHM is cheaper than 72.13% of the companies listed in the same industry.
PHM is valuated cheaply when we compare the Price/Earnings ratio to 26.55, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 11.19, which indicates a very decent valuation of PHM.
Based on the Price/Forward Earnings ratio, PHM is valued a bit cheaper than the industry average as 65.57% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.78. PHM is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.62 | ||
| Fwd PE | 11.19 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PHM is valued a bit cheaper than the industry average as 68.85% of the companies are valued more expensively.
PHM's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PHM is cheaper than 62.30% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.69 | ||
| EV/EBITDA | 7.05 |
4.3 Compensation for Growth
PHM has an outstanding profitability rating, which may justify a higher PE ratio.
A cheap valuation may be justified as PHM's earnings are expected to decrease with -4.08% in the coming years.
PEG (NY)N/A
PEG (5Y)0.3
EPS Next 2Y-12.3%
EPS Next 3Y-4.08%
5. Dividend
5.1 Amount
PHM has a yearly dividend return of 0.82%, which is pretty low.
PHM's Dividend Yield is a higher than the industry average which is at 1.16.
Compared to an average S&P500 Dividend Yield of 1.87, PHM's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.82% |
5.2 History
On average, the dividend of PHM grows each year by 12.52%, which is quite nice.
PHM has paid a dividend for at least 10 years, which is a reliable track record.
PHM has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)12.52%
Div Incr Years7
Div Non Decr Years11
5.3 Sustainability
6.65% of the earnings are spent on dividend by PHM. This is a low number and sustainable payout ratio.
DP6.65%
EPS Next 2Y-12.3%
EPS Next 3Y-4.08%
NYSE:PHM (12/16/2025, 10:00:57 AM)
124.91
-1.34 (-1.06%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)
Earnings (Next)
Inst Owners96.05%
Inst Owner Change-0.24%
Ins Owners0.62%
Ins Owner Change-0.69%
Market Cap24.35B
Revenue(TTM)17.62B
Net Income(TTM)2.63B
Analysts75
Price Target141.21 (13.05%)
Short Float %3.22%
Short Ratio3.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.82% |
Yearly Dividend0.81
Dividend Growth(5Y)12.52%
DP6.65%
Div Incr Years7
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.38%
Min EPS beat(2)1.33%
Max EPS beat(2)1.44%
EPS beat(4)4
Avg EPS beat(4)10.52%
Min EPS beat(4)1.33%
Max EPS beat(4)34.18%
EPS beat(8)8
Avg EPS beat(8)10.98%
EPS beat(12)12
Avg EPS beat(12)13.2%
EPS beat(16)15
Avg EPS beat(16)10.59%
Revenue beat(2)1
Avg Revenue beat(2)0.24%
Min Revenue beat(2)-0.75%
Max Revenue beat(2)1.24%
Revenue beat(4)3
Avg Revenue beat(4)1.66%
Min Revenue beat(4)-0.75%
Max Revenue beat(4)5.12%
Revenue beat(8)6
Avg Revenue beat(8)2%
Revenue beat(12)9
Avg Revenue beat(12)3.18%
Revenue beat(16)12
Avg Revenue beat(16)6.89%
PT rev (1m)1.63%
PT rev (3m)0.88%
EPS NQ rev (1m)0.17%
EPS NQ rev (3m)-4.39%
EPS NY rev (1m)0.02%
EPS NY rev (3m)0.01%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)0.76%
Revenue NY rev (1m)0.01%
Revenue NY rev (3m)0.53%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.62 | ||
| Fwd PE | 11.19 | ||
| P/S | 1.38 | ||
| P/FCF | 15.69 | ||
| P/OCF | 14.6 | ||
| P/B | 1.9 | ||
| P/tB | 1.91 | ||
| EV/EBITDA | 7.05 |
EPS(TTM)12.99
EY10.4%
EPS(NY)11.16
Fwd EY8.93%
FCF(TTM)7.96
FCFY6.37%
OCF(TTM)8.56
OCFY6.85%
SpS90.41
BVpS65.8
TBVpS65.25
PEG (NY)N/A
PEG (5Y)0.3
Graham Number138.68
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 14.74% | ||
| ROE | 20.51% | ||
| ROCE | 22.92% | ||
| ROIC | 17.01% | ||
| ROICexc | 18.78% | ||
| ROICexgc | 22.3% | ||
| OM | 19.43% | ||
| PM (TTM) | 14.93% | ||
| GM | 27.15% | ||
| FCFM | 8.81% |
ROA(3y)17.15%
ROA(5y)15.47%
ROE(3y)26.53%
ROE(5y)25.31%
ROIC(3y)19.16%
ROIC(5y)17.38%
ROICexc(3y)21.36%
ROICexc(5y)20.11%
ROICexgc(3y)23%
ROICexgc(5y)21.55%
ROCE(3y)26.16%
ROCE(5y)23.82%
ROICexgc growth 3Y3.02%
ROICexgc growth 5Y12.74%
ROICexc growth 3Y1.98%
ROICexc growth 5Y11.96%
OM growth 3Y5.48%
OM growth 5Y10.79%
PM growth 3Y6.93%
PM growth 5Y11.77%
GM growth 3Y1.93%
GM growth 5Y4.44%
F-Score5
Asset Turnover0.99
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.31 | ||
| Debt/EBITDA | 0.58 | ||
| Cap/Depr | 116.19% | ||
| Cap/Sales | 0.66% | ||
| Interest Coverage | 182.01 | ||
| Cash Conversion | 47.33% | ||
| Profit Quality | 59% | ||
| Current Ratio | 5.08 | ||
| Quick Ratio | 0.5 | ||
| Altman-Z | 6.1 |
F-Score5
WACC8.89%
ROIC/WACC1.91
Cap/Depr(3y)135.3%
Cap/Depr(5y)119.66%
Cap/Sales(3y)0.65%
Cap/Sales(5y)0.6%
Profit Quality(3y)51.07%
Profit Quality(5y)65.05%
High Growth Momentum
Growth
EPS 1Y (TTM)-2.77%
EPS 3Y25.56%
EPS 5Y32.15%
EPS Q2Q%-11.64%
EPS Next Y-20.86%
EPS Next 2Y-12.3%
EPS Next 3Y-4.08%
EPS Next 5Y-3.61%
Revenue 1Y (TTM)1.76%
Revenue growth 3Y9.32%
Revenue growth 5Y11.94%
Sales Q2Q%-1.6%
Revenue Next Year-4.06%
Revenue Next 2Y-2.87%
Revenue Next 3Y-0.3%
Revenue Next 5Y-1.28%
EBIT growth 1Y-7.1%
EBIT growth 3Y15.32%
EBIT growth 5Y24.01%
EBIT Next Year-12.95%
EBIT Next 3Y-4.82%
EBIT Next 5Y-4.8%
FCF growth 1Y-44.36%
FCF growth 3Y18.82%
FCF growth 5Y8.95%
OCF growth 1Y-42.11%
OCF growth 3Y18.74%
OCF growth 5Y9.33%
PULTEGROUP INC / PHM FAQ
Can you provide the ChartMill fundamental rating for PULTEGROUP INC?
ChartMill assigns a fundamental rating of 7 / 10 to PHM.
What is the valuation status of PULTEGROUP INC (PHM) stock?
ChartMill assigns a valuation rating of 6 / 10 to PULTEGROUP INC (PHM). This can be considered as Fairly Valued.
Can you provide the profitability details for PULTEGROUP INC?
PULTEGROUP INC (PHM) has a profitability rating of 9 / 10.
Can you provide the expected EPS growth for PHM stock?
The Earnings per Share (EPS) of PULTEGROUP INC (PHM) is expected to decline by -20.86% in the next year.
How sustainable is the dividend of PULTEGROUP INC (PHM) stock?
The dividend rating of PULTEGROUP INC (PHM) is 5 / 10 and the dividend payout ratio is 6.65%.