PULTEGROUP INC (PHM) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:PHM • US7458671010

133.21 USD
-1.88 (-1.39%)
Last: Feb 9, 2026, 02:33 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

Taking everything into account, PHM scores 6 out of 10 in our fundamental rating. PHM was compared to 60 industry peers in the Household Durables industry. While PHM has a great profitability rating, there are some minor concerns on its financial health. PHM has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • In the past year PHM was profitable.
  • In the past year PHM had a positive cash flow from operations.
  • In the past 5 years PHM has always been profitable.
  • PHM had a positive operating cash flow in each of the past 5 years.
PHM Yearly Net Income VS EBIT VS OCF VS FCFPHM Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 12.29%, PHM belongs to the top of the industry, outperforming 90.00% of the companies in the same industry.
  • PHM has a better Return On Equity (17.09%) than 80.00% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 14.25%, PHM belongs to the top of the industry, outperforming 88.33% 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 9.40%.
Industry RankSector Rank
ROA 12.29%
ROE 17.09%
ROIC 14.25%
ROA(3y)15.39%
ROA(5y)15.64%
ROE(3y)22.5%
ROE(5y)24.49%
ROIC(3y)17.26%
ROIC(5y)17.83%
PHM Yearly ROA, ROE, ROICPHM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • Looking at the Profit Margin, with a value of 12.82%, PHM belongs to the top of the industry, outperforming 93.33% of the companies in the same industry.
  • PHM's Profit Margin has been stable in the last couple of years.
  • PHM has a better Operating Margin (16.77%) than 93.33% of its industry peers.
  • In the last couple of years the Operating Margin of PHM has remained more or less at the same level.
  • With a Gross Margin value of 26.41%, PHM perfoms like the industry average, outperforming 56.67% of the companies in the same industry.
  • In the last couple of years the Gross Margin of PHM has remained more or less at the same level.
Industry RankSector Rank
OM 16.77%
PM (TTM) 12.82%
GM 26.41%
OM growth 3Y-8%
OM growth 5Y1.06%
PM growth 3Y-7.62%
PM growth 5Y0.29%
GM growth 3Y-4.38%
GM growth 5Y0.97%
PHM Yearly Profit, Operating, Gross MarginsPHM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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6

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so PHM is creating value.
  • Compared to 1 year ago, PHM has less shares outstanding
  • PHM has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, PHM has an improved debt to assets ratio.
PHM Yearly Shares OutstandingPHM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
PHM Yearly Total Debt VS Total AssetsPHM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.2 Solvency

  • PHM has a debt to FCF ratio of 1.24. This is a very positive value and a sign of high solvency as it would only need 1.24 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 1.24, PHM is doing good in the industry, outperforming 73.33% of the companies in the same industry.
  • A Debt/Equity ratio of 0.17 indicates that PHM is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.17, PHM is in the better half of the industry, outperforming 70.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.24
Altman-Z N/A
ROIC/WACC1.56
WACC9.16%
PHM Yearly LT Debt VS Equity VS FCFPHM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

2.3 Liquidity

  • PHM has a Current Ratio of 5.00. This indicates that PHM is financially healthy and has no problem in meeting its short term obligations.
  • With a decent Current ratio value of 5.00, PHM is doing good in the industry, outperforming 71.67% of the companies in the same industry.
  • PHM has a Quick Ratio of 5.00. This is a bad value and indicates that PHM is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of PHM (0.66) is worse than 65.00% of its industry peers.
Industry RankSector Rank
Current Ratio 5
Quick Ratio 0.66
PHM Yearly Current Assets VS Current LiabilitesPHM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The earnings per share for PHM have decreased strongly by -23.36% in the last year.
  • Measured over the past years, PHM shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.05% on average per year.
  • The Revenue has decreased by -3.54% in the past year.
  • The Revenue has been growing by 9.42% on average over the past years. This is quite good.
EPS 1Y (TTM)-23.36%
EPS 3Y0.73%
EPS 5Y18.05%
EPS Q2Q%-42.21%
Revenue 1Y (TTM)-3.54%
Revenue growth 3Y2.66%
Revenue growth 5Y9.42%
Sales Q2Q%-6.32%

3.2 Future

  • Based on estimates for the next years, PHM will show a small growth in Earnings Per Share. The EPS will grow by 6.59% on average per year.
  • The Revenue is expected to grow by 3.00% on average over the next years.
EPS Next Y-5.79%
EPS Next 2Y1.9%
EPS Next 3Y6.59%
EPS Next 5YN/A
Revenue Next Year-2.19%
Revenue Next 2Y0.59%
Revenue Next 3Y3%
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.
PHM Yearly Revenue VS EstimatesPHM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B
PHM Yearly EPS VS EstimatesPHM Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10

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6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.98 indicates a reasonable valuation of PHM.
  • Based on the Price/Earnings ratio, PHM is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of PHM to the average of the S&P500 Index (27.93), we can say PHM is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 12.72, the valuation of PHM can be described as correct.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PHM indicates a somewhat cheap valuation: PHM is cheaper than 70.00% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.77. PHM is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.98
Fwd PE 12.72
PHM Price Earnings VS Forward Price EarningsPHM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

  • PHM's Enterprise Value to EBITDA ratio is in line with the industry average.
  • Based on the Price/Free Cash Flow ratio, PHM is valued a bit cheaper than 66.67% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.85
EV/EBITDA 8.62
PHM Per share dataPHM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • PHM has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.66
EPS Next 2Y1.9%
EPS Next 3Y6.59%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.78%, PHM is not a good candidate for dividend investing.
  • PHM's Dividend Yield is a higher than the industry average which is at 1.18.
  • With a Dividend Yield of 0.78, PHM pays less dividend than the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 0.78%

5.2 History

  • The dividend of PHM is nicely growing with an annual growth rate of 12.83%!
  • PHM has paid a dividend for at least 10 years, which is a reliable track record.
  • PHM has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)12.83%
Div Incr Years7
Div Non Decr Years11
PHM Yearly Dividends per sharePHM Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 7.96% of the earnings are spent on dividend by PHM. This is a low number and sustainable payout ratio.
  • The dividend of PHM is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP7.96%
EPS Next 2Y1.9%
EPS Next 3Y6.59%
PHM Yearly Income VS Free CF VS DividendPHM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
PHM Dividend Payout.PHM Dividend Payout, showing the Payout Ratio.PHM Dividend Payout.PayoutRetained Earnings

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PULTEGROUP INC

NYSE:PHM (2/9/2026, 2:33:07 PM)

133.21

-1.88 (-1.39%)

Chartmill FA Rating
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)01-29
Earnings (Next)04-20
Inst Owners96.13%
Inst Owner Change-3.64%
Ins Owners0.62%
Ins Owner Change-2.13%
Market Cap25.97B
Revenue(TTM)17.31B
Net Income(TTM)2.22B
Analysts74.29
Price Target144.05 (8.14%)
Short Float %3.37%
Short Ratio3.55
Dividend
Industry RankSector Rank
Dividend Yield 0.78%
Yearly Dividend0.89
Dividend Growth(5Y)12.83%
DP7.96%
Div Incr Years7
Div Non Decr Years11
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.26%
Min EPS beat(2)-9.97%
Max EPS beat(2)1.44%
EPS beat(4)3
Avg EPS beat(4)-0.52%
Min EPS beat(4)-9.97%
Max EPS beat(4)5.11%
EPS beat(8)7
Avg EPS beat(8)9.63%
EPS beat(12)11
Avg EPS beat(12)10.49%
EPS beat(16)14
Avg EPS beat(16)9.48%
Revenue beat(2)2
Avg Revenue beat(2)3.41%
Min Revenue beat(2)1.24%
Max Revenue beat(2)5.58%
Revenue beat(4)3
Avg Revenue beat(4)1.77%
Min Revenue beat(4)-0.75%
Max Revenue beat(4)5.58%
Revenue beat(8)7
Avg Revenue beat(8)3.33%
Revenue beat(12)9
Avg Revenue beat(12)2.68%
Revenue beat(16)12
Avg Revenue beat(16)7.09%
PT rev (1m)1.13%
PT rev (3m)3.68%
EPS NQ rev (1m)-9.39%
EPS NQ rev (3m)-9.9%
EPS NY rev (1m)-5.53%
EPS NY rev (3m)-6.1%
Revenue NQ rev (1m)-2.93%
Revenue NQ rev (3m)-2.93%
Revenue NY rev (1m)-0.5%
Revenue NY rev (3m)-0.49%
Valuation
Industry RankSector Rank
PE 11.98
Fwd PE 12.72
P/S 1.5
P/FCF 14.85
P/OCF 13.88
P/B 2
P/tB 2.01
EV/EBITDA 8.62
EPS(TTM)11.12
EY8.35%
EPS(NY)10.48
Fwd EY7.86%
FCF(TTM)8.97
FCFY6.73%
OCF(TTM)9.6
OCFY7.21%
SpS88.82
BVpS66.62
TBVpS66.28
PEG (NY)N/A
PEG (5Y)0.66
Graham Number129.1
Profitability
Industry RankSector Rank
ROA 12.29%
ROE 17.09%
ROCE 19.27%
ROIC 14.25%
ROICexc 16.33%
ROICexgc 19.62%
OM 16.77%
PM (TTM) 12.82%
GM 26.41%
FCFM 10.1%
ROA(3y)15.39%
ROA(5y)15.64%
ROE(3y)22.5%
ROE(5y)24.49%
ROIC(3y)17.26%
ROIC(5y)17.83%
ROICexc(3y)19.56%
ROICexc(5y)20.19%
ROICexgc(3y)21.88%
ROICexgc(5y)22.1%
ROCE(3y)23.34%
ROCE(5y)24.28%
ROICexgc growth 3Y-5.6%
ROICexgc growth 5Y2.39%
ROICexc growth 3Y-9.48%
ROICexc growth 5Y-0.09%
OM growth 3Y-8%
OM growth 5Y1.06%
PM growth 3Y-7.62%
PM growth 5Y0.29%
GM growth 3Y-4.38%
GM growth 5Y0.97%
F-Score4
Asset Turnover0.96
Health
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.24
Debt/EBITDA 0.72
Cap/Depr 109.07%
Cap/Sales 0.71%
Interest Coverage 168.28
Cash Conversion 62.06%
Profit Quality 78.81%
Current Ratio 5
Quick Ratio 0.66
Altman-Z N/A
F-Score4
WACC9.16%
ROIC/WACC1.56
Cap/Depr(3y)118.7%
Cap/Depr(5y)123.8%
Cap/Sales(3y)0.65%
Cap/Sales(5y)0.64%
Profit Quality(3y)70.21%
Profit Quality(5y)56.05%
High Growth Momentum
Growth
EPS 1Y (TTM)-23.36%
EPS 3Y0.73%
EPS 5Y18.05%
EPS Q2Q%-42.21%
EPS Next Y-5.79%
EPS Next 2Y1.9%
EPS Next 3Y6.59%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.54%
Revenue growth 3Y2.66%
Revenue growth 5Y9.42%
Sales Q2Q%-6.32%
Revenue Next Year-2.19%
Revenue Next 2Y0.59%
Revenue Next 3Y3%
Revenue Next 5YN/A
EBIT growth 1Y-25.98%
EBIT growth 3Y-5.55%
EBIT growth 5Y10.58%
EBIT Next Year-2.01%
EBIT Next 3Y0.53%
EBIT Next 5YN/A
FCF growth 1Y11.92%
FCF growth 3Y46.53%
FCF growth 5Y0.26%
OCF growth 1Y11.33%
OCF growth 3Y40.93%
OCF growth 5Y0.96%

PULTEGROUP INC / PHM FAQ

Can you provide the ChartMill fundamental rating for PULTEGROUP INC?

ChartMill assigns a fundamental rating of 6 / 10 to PHM.


What is the valuation status for PHM stock?

ChartMill assigns a valuation rating of 5 / 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 8 / 10.


What is the earnings growth outlook for PULTEGROUP INC?

The Earnings per Share (EPS) of PULTEGROUP INC (PHM) is expected to decline by -5.79% 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 7.96%.