M/I HOMES INC (MHO) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:MHO • US55305B1017
138.8 USD
+4.2 (+3.12%)
At close: Feb 4, 2026
138.8 USD
0 (0%)
After Hours: 2/4/2026, 8:04:00 PM
MHO gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 60 industry peers in the Household Durables industry. MHO gets an excellent profitability rating and is at the same time showing great financial health properties. MHO has a bad growth rate and is valued cheaply. This makes MHO very considerable for value investing!
1. Profitability
1.1 Basic Checks
- In the past year MHO was profitable.
- MHO had a positive operating cash flow in the past year.
- Each year in the past 5 years MHO has been profitable.
- The reported operating cash flow has been mixed in the past 5 years: MHO reported negative operating cash flow in multiple years.
1.2 Ratios
- MHO has a better Return On Assets (9.91%) than 85.00% of its industry peers.
- MHO has a Return On Equity of 15.00%. This is in the better half of the industry: MHO outperforms 73.33% of its industry peers.
- MHO has a Return On Invested Capital of 10.39%. This is in the better half of the industry: MHO outperforms 70.00% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for MHO is above the industry average of 9.41%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.91% | ||
| ROE | 15% | ||
| ROIC | 10.39% |
ROA(3y)10.8%
ROA(5y)11.57%
ROE(3y)16.8%
ROE(5y)19.71%
ROIC(3y)11.45%
ROIC(5y)12.61%
1.3 Margins
- MHO's Profit Margin of 10.56% is amongst the best of the industry. MHO outperforms 86.67% of its industry peers.
- In the last couple of years the Profit Margin of MHO has grown nicely.
- MHO has a Operating Margin of 13.31%. This is amongst the best in the industry. MHO outperforms 81.67% of its industry peers.
- In the last couple of years the Operating Margin of MHO has remained more or less at the same level.
- MHO's Gross Margin of 24.72% is in line compared to the rest of the industry. MHO outperforms 46.67% of its industry peers.
- MHO's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.31% | ||
| PM (TTM) | 10.56% | ||
| GM | 24.72% |
OM growth 3Y-9.42%
OM growth 5Y1.28%
PM growth 3Y-8.43%
PM growth 5Y2.98%
GM growth 3Y-3.05%
GM growth 5Y0.48%
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.
- MHO has less shares outstanding than it did 1 year ago.
- Compared to 5 years ago, MHO has less shares outstanding
- Compared to 1 year ago, MHO has an improved debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 4.54 indicates that MHO is not in any danger for bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 4.54, MHO is in the better half of the industry, outperforming 78.33% of the companies in the same industry.
- MHO has a debt to FCF ratio of 3.82. This is a good value and a sign of high solvency as MHO would need 3.82 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 3.82, MHO perfoms like the industry average, outperforming 60.00% of the companies in the same industry.
- A Debt/Equity ratio of 0.29 indicates that MHO is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.29, MHO is in line with its industry, outperforming 53.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.82 | ||
| Altman-Z | 4.54 |
ROIC/WACC1.13
WACC9.18%
2.3 Liquidity
- A Current Ratio of 11.16 indicates that MHO has no problem at all paying its short term obligations.
- The Current ratio of MHO (11.16) is better than 96.67% of its industry peers.
- A Quick Ratio of 1.98 indicates that MHO should not have too much problems paying its short term obligations.
- MHO has a better Quick ratio (1.98) than 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 11.16 | ||
| Quick Ratio | 1.98 |
3. Growth
3.1 Past
- MHO shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -24.30%.
- MHO shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 12.07% yearly.
- The Revenue has decreased by -1.93% in the past year.
- MHO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.72% yearly.
EPS 1Y (TTM)-24.3%
EPS 3Y-5.66%
EPS 5Y12.07%
EPS Q2Q%-49.26%
Revenue 1Y (TTM)-1.93%
Revenue growth 3Y2.26%
Revenue growth 5Y7.72%
Sales Q2Q%-4.81%
3.2 Future
- The Earnings Per Share is expected to grow by 4.65% on average over the next years.
- Based on estimates for the next years, MHO will show a small growth in Revenue. The Revenue will grow by 3.68% on average per year.
EPS Next Y-0.12%
EPS Next 2Y4.65%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.5%
Revenue Next 2Y3.68%
Revenue Next 3YN/A
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.
- 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
- Based on the Price/Earnings ratio of 9.30, the valuation of MHO can be described as reasonable.
- Based on the Price/Earnings ratio, MHO is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Earnings ratio of 28.25, MHO is valued rather cheaply.
- A Price/Forward Earnings ratio of 9.31 indicates a reasonable valuation of MHO.
- Based on the Price/Forward Earnings ratio, MHO is valued cheaply inside the industry as 90.00% of the companies are valued more expensively.
- MHO is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.50, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.3 | ||
| Fwd PE | 9.31 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of MHO indicates a rather cheap valuation: MHO is cheaper than 83.33% of the companies listed in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of MHO indicates a somewhat cheap valuation: MHO is cheaper than 66.67% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.93 | ||
| EV/EBITDA | 6.07 |
4.3 Compensation for Growth
- The decent profitability rating of MHO may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.77
EPS Next 2Y4.65%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- No dividends for MHO!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
138.8
+4.2 (+3.12%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)01-28 2026-01-28/bmo
Earnings (Next)04-21 2026-04-21
Inst Owners99.18%
Inst Owner Change-0.08%
Ins Owners2.43%
Ins Owner Change-0.42%
Market Cap3.63B
Revenue(TTM)4.42B
Net Income(TTM)472.44M
Analysts85.71
Price Target160.14 (15.37%)
Short Float %4.28%
Short Ratio4.98
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)-3.76%
Min EPS beat(2)-6.27%
Max EPS beat(2)-1.25%
EPS beat(4)0
Avg EPS beat(4)-4.09%
Min EPS beat(4)-6.27%
Max EPS beat(4)-1.25%
EPS beat(8)3
Avg EPS beat(8)-1.34%
EPS beat(12)7
Avg EPS beat(12)11.92%
EPS beat(16)11
Avg EPS beat(16)12.49%
Revenue beat(2)1
Avg Revenue beat(2)0.07%
Min Revenue beat(2)-3.1%
Max Revenue beat(2)3.25%
Revenue beat(4)2
Avg Revenue beat(4)-2.87%
Min Revenue beat(4)-13.77%
Max Revenue beat(4)3.25%
Revenue beat(8)5
Avg Revenue beat(8)-2.8%
Revenue beat(12)8
Avg Revenue beat(12)3.33%
Revenue beat(16)9
Avg Revenue beat(16)1.87%
PT rev (1m)-4.07%
PT rev (3m)-4.07%
EPS NQ rev (1m)-5.37%
EPS NQ rev (3m)0.03%
EPS NY rev (1m)-5.66%
EPS NY rev (3m)-20.3%
Revenue NQ rev (1m)-4.59%
Revenue NQ rev (3m)1.91%
Revenue NY rev (1m)-2.94%
Revenue NY rev (3m)-9.77%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.3 | ||
| Fwd PE | 9.31 | ||
| P/S | 0.81 | ||
| P/FCF | 14.93 | ||
| P/OCF | 14.49 | ||
| P/B | 1.15 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | 6.07 |
EPS(TTM)14.92
EY10.75%
EPS(NY)14.9
Fwd EY10.74%
FCF(TTM)9.29
FCFY6.7%
OCF(TTM)9.58
OCFY6.9%
SpS171.16
BVpS120.44
TBVpS119.81
PEG (NY)N/A
PEG (5Y)0.77
Graham Number201.08
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.91% | ||
| ROE | 15% | ||
| ROCE | 13.55% | ||
| ROIC | 10.39% | ||
| ROICexc | 12.47% | ||
| ROICexgc | 13.21% | ||
| OM | 13.31% | ||
| PM (TTM) | 10.56% | ||
| GM | 24.72% | ||
| FCFM | 5.43% |
ROA(3y)10.8%
ROA(5y)11.57%
ROE(3y)16.8%
ROE(5y)19.71%
ROIC(3y)11.45%
ROIC(5y)12.61%
ROICexc(3y)14.14%
ROICexc(5y)14.78%
ROICexgc(3y)14.61%
ROICexgc(5y)15.4%
ROCE(3y)14.93%
ROCE(5y)16.44%
ROICexgc growth 3Y-14.7%
ROICexgc growth 5Y-3.69%
ROICexc growth 3Y-14.58%
ROICexc growth 5Y-3.62%
OM growth 3Y-9.42%
OM growth 5Y1.28%
PM growth 3Y-8.43%
PM growth 5Y2.98%
GM growth 3Y-3.05%
GM growth 5Y0.48%
F-Score5
Asset Turnover0.94
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.29 | ||
| Debt/FCF | 3.82 | ||
| Debt/EBITDA | 1.52 | ||
| Cap/Depr | 45.57% | ||
| Cap/Sales | 0.17% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 40.91% | ||
| Profit Quality | 51.44% | ||
| Current Ratio | 11.16 | ||
| Quick Ratio | 1.98 | ||
| Altman-Z | 4.54 |
F-Score5
WACC9.18%
ROIC/WACC1.13
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-24.3%
EPS 3Y-5.66%
EPS 5Y12.07%
EPS Q2Q%-49.26%
EPS Next Y-0.12%
EPS Next 2Y4.65%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.93%
Revenue growth 3Y2.26%
Revenue growth 5Y7.72%
Sales Q2Q%-4.81%
Revenue Next Year0.5%
Revenue Next 2Y3.68%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-11.32%
EBIT growth 3Y-7.38%
EBIT growth 5Y9.1%
EBIT Next Year1.58%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y97.98%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y92.25%
OCF growth 3YN/A
OCF growth 5YN/A
M/I HOMES INC / MHO FAQ
What is the ChartMill fundamental rating of M/I HOMES INC (MHO) stock?
ChartMill assigns a fundamental rating of 6 / 10 to MHO.
Can you provide the valuation status for M/I HOMES INC?
ChartMill assigns a valuation rating of 7 / 10 to M/I HOMES INC (MHO). This can be considered as Undervalued.
How profitable is M/I HOMES INC (MHO) stock?
M/I HOMES INC (MHO) has a profitability rating of 7 / 10.
What is the financial health of M/I HOMES INC (MHO) stock?
The financial health rating of M/I HOMES INC (MHO) is 7 / 10.
What is the earnings growth outlook for M/I HOMES INC?
The Earnings per Share (EPS) of M/I HOMES INC (MHO) is expected to decline by -0.12% in the next year.