PULTEGROUP INC (PHM) Stock Fundamental Analysis
NYSE:PHM • US7458671010
135.66 USD
+1.05 (+0.78%)
At close: Feb 26, 2026
135.66 USD
0 (0%)
After Hours: 2/26/2026, 8:04:00 PM
PHM gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 60 industry peers in the Household Durables industry. PHM gets an excellent profitability rating and is at the same time showing great financial health properties. PHM has a valuation in line with the averages, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- PHM had positive earnings in the past year.
- In the past year PHM had a positive cash flow from operations.
- In the past 5 years PHM has always been profitable.
- In the past 5 years PHM always reported a positive cash flow from operatings.
1.2 Ratios
- PHM's Return On Assets of 12.29% is amongst the best of the industry. PHM outperforms 90.00% of its industry peers.
- With an excellent Return On Equity value of 17.09%, PHM belongs to the best of the industry, outperforming 81.67% of the companies in the same industry.
- The Return On Invested Capital of PHM (14.00%) is better than 88.33% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for PHM is significantly above the industry average of 9.17%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 12.29% | ||
| ROE | 17.09% | ||
| ROIC | 14% |
ROA(3y)15.39%
ROA(5y)15.64%
ROE(3y)22.5%
ROE(5y)24.49%
ROIC(3y)17.24%
ROIC(5y)17.82%
1.3 Margins
- PHM has a Profit Margin of 12.82%. This is amongst the best in the industry. PHM outperforms 93.33% of its industry peers.
- In the last couple of years the Profit Margin of PHM has remained more or less at the same level.
- PHM's Operating Margin of 17.27% is amongst the best of the industry. PHM outperforms 95.00% of its industry peers.
- PHM's Operating Margin has improved in the last couple of years.
- PHM has a Gross Margin (26.41%) which is in line with its industry peers.
- PHM's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.27% | ||
| PM (TTM) | 12.82% | ||
| GM | 26.41% |
OM growth 3Y-6.34%
OM growth 5Y2.15%
PM growth 3Y-7.62%
PM growth 5Y0.29%
GM growth 3Y-3.84%
GM growth 5Y1.31%
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
- The number of shares outstanding for PHM has been reduced compared to 5 years ago.
- PHM has a better debt/assets ratio than last year.
2.2 Solvency
- PHM has an Altman-Z score of 6.17. This indicates that PHM is financially healthy and has little risk of bankruptcy at the moment.
- Looking at the Altman-Z score, with a value of 6.17, PHM belongs to the top of the industry, outperforming 86.67% of the companies in the same industry.
- 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.
- PHM has a better Debt to FCF ratio (1.24) than 75.00% of its industry peers.
- PHM has a Debt/Equity ratio of 0.17. This is a healthy value indicating a solid balance between debt and equity.
- PHM's Debt to Equity ratio of 0.17 is fine compared to the rest of the industry. PHM outperforms 68.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.24 | ||
| Altman-Z | 6.17 |
ROIC/WACC1.56
WACC8.95%
2.3 Liquidity
- A Current Ratio of 6.82 indicates that PHM has no problem at all paying its short term obligations.
- PHM's Current ratio of 6.82 is fine compared to the rest of the industry. PHM outperforms 80.00% of its industry peers.
- PHM has a Quick Ratio of 1.02. This is a normal value and indicates that PHM is financially healthy and should not expect problems in meeting its short term obligations.
- PHM's Quick ratio of 1.02 is in line compared to the rest of the industry. PHM outperforms 48.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 6.82 | ||
| Quick Ratio | 1.02 |
3. Growth
3.1 Past
- The earnings per share for PHM have decreased strongly by -23.36% in the last year.
- The Earnings Per Share has been growing by 18.05% on average over the past years. This is quite good.
- The Revenue has decreased by -3.54% in the past year.
- Measured over the past years, PHM shows a quite strong growth in Revenue. The Revenue has been growing by 9.42% on average per year.
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
- The Earnings Per Share is expected to grow by 6.59% on average over the next years.
- Based on estimates for the next years, PHM will show a small growth in Revenue. The Revenue will grow by 2.82% on average per year.
EPS Next Y-5.79%
EPS Next 2Y1.9%
EPS Next 3Y6.59%
EPS Next 5YN/A
Revenue Next Year-3.05%
Revenue Next 2Y0.3%
Revenue Next 3Y2.82%
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
- A Price/Earnings ratio of 12.20 indicates a correct valuation of PHM.
- PHM's Price/Earnings ratio is a bit cheaper when compared to the industry. PHM is cheaper than 65.00% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.21. PHM is valued rather cheaply when compared to this.
- PHM is valuated correctly with a Price/Forward Earnings ratio of 12.95.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of PHM indicates a somewhat cheap valuation: PHM is cheaper than 66.67% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 28.13. PHM is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.2 | ||
| Fwd PE | 12.95 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PHM is valued a bit cheaper than the industry average as 61.67% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, PHM is valued a bit cheaper than the industry average as 65.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.92 | ||
| EV/EBITDA | 8.23 |
4.3 Compensation for Growth
- The excellent profitability rating of PHM may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.68
EPS Next 2Y1.9%
EPS Next 3Y6.59%
5. Dividend
5.1 Amount
- PHM has a yearly dividend return of 0.74%, 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 1.80, PHM's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.74% |
5.2 History
- On average, the dividend of PHM grows each year by 12.95%, which is quite nice.
- PHM has been paying a dividend for at least 10 years, so it has a reliable track record.
- PHM has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)12.95%
Div Incr Years7
Div Non Decr Years11
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%
135.66
+1.05 (+0.78%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)01-29 2026-01-29/bmo
Earnings (Next)04-20 2026-04-20/bmo
Inst Owners96.13%
Inst Owner Change-2.25%
Ins Owners0.62%
Ins Owner Change-1.45%
Market Cap26.09B
Revenue(TTM)17.31B
Net Income(TTM)2.22B
Analysts72.73
Price Target144.05 (6.18%)
Short Float %3.77%
Short Ratio3.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.74% |
Yearly Dividend0.89
Dividend Growth(5Y)12.95%
DP7.96%
Div Incr Years7
Div Non Decr Years11
Ex-Date03-17 2026-03-17 (0.26)
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)1.38%
PT rev (3m)2.7%
EPS NQ rev (1m)-8.15%
EPS NQ rev (3m)-11.43%
EPS NY rev (1m)-3.58%
EPS NY rev (3m)-6.1%
Revenue NQ rev (1m)-3.02%
Revenue NQ rev (3m)-3.24%
Revenue NY rev (1m)-0.57%
Revenue NY rev (3m)-1.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.2 | ||
| Fwd PE | 12.95 | ||
| P/S | 1.51 | ||
| P/FCF | 14.92 | ||
| P/OCF | 13.94 | ||
| P/B | 2.01 | ||
| P/tB | 2.02 | ||
| EV/EBITDA | 8.23 |
EPS(TTM)11.12
EY8.2%
EPS(NY)10.48
Fwd EY7.72%
FCF(TTM)9.09
FCFY6.7%
OCF(TTM)9.73
OCFY7.17%
SpS90.01
BVpS67.52
TBVpS67.17
PEG (NY)N/A
PEG (5Y)0.68
Graham Number129.97
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 12.29% | ||
| ROE | 17.09% | ||
| ROCE | 18.9% | ||
| ROIC | 14% | ||
| ROICexc | 15.93% | ||
| ROICexgc | 17.63% | ||
| OM | 17.27% | ||
| 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)17.24%
ROIC(5y)17.82%
ROICexc(3y)19.5%
ROICexc(5y)20.16%
ROICexgc(3y)21.28%
ROICexgc(5y)21.74%
ROCE(3y)23.31%
ROCE(5y)24.26%
ROICexgc growth 3Y-8.54%
ROICexgc growth 5Y0.47%
ROICexc growth 3Y-9.82%
ROICexc growth 5Y-0.31%
OM growth 3Y-6.34%
OM growth 5Y2.15%
PM growth 3Y-7.62%
PM growth 5Y0.29%
GM growth 3Y-3.84%
GM growth 5Y1.31%
F-Score5
Asset Turnover0.96
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.17 | ||
| Debt/FCF | 1.24 | ||
| Debt/EBITDA | 0.7 | ||
| Cap/Depr | 109.07% | ||
| Cap/Sales | 0.71% | ||
| Interest Coverage | 173.35 | ||
| Cash Conversion | 60.31% | ||
| Profit Quality | 78.81% | ||
| Current Ratio | 6.82 | ||
| Quick Ratio | 1.02 | ||
| Altman-Z | 6.17 |
F-Score5
WACC8.95%
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-3.05%
Revenue Next 2Y0.3%
Revenue Next 3Y2.82%
Revenue Next 5YN/A
EBIT growth 1Y-23.75%
EBIT growth 3Y-3.85%
EBIT growth 5Y11.78%
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 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 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%.