PULTEGROUP INC (PHM) Stock Fundamental Analysis

NYSE:PHM • US7458671010

140.52 USD
-2.04 (-1.43%)
Last: Feb 17, 2026, 11:25 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

6

PHM gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 60 industry peers in the Household Durables industry. Both the health and profitability get an excellent rating, making PHM a very profitable company, without any liquidiy or solvency issues. PHM has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • In the past year PHM was profitable.
  • PHM had a positive operating cash flow in the past year.
  • PHM had positive earnings in each of the past 5 years.
  • In the past 5 years PHM always reported a positive cash flow from operatings.
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

  • PHM has a better Return On Assets (12.29%) than 90.00% of its industry peers.
  • PHM has a Return On Equity of 17.09%. This is amongst the best in the industry. PHM outperforms 81.67% of its industry peers.
  • The Return On Invested Capital of PHM (14.00%) is better than 88.33% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for PHM is significantly above the industry average of 9.16%.
Industry RankSector 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%
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

  • PHM's Profit Margin of 12.82% is amongst the best of the industry. PHM outperforms 93.33% of its industry peers.
  • PHM's Profit Margin has been stable in the last couple of years.
  • With an excellent Operating Margin value of 17.27%, PHM belongs to the best of the industry, outperforming 93.33% of the companies in the same industry.
  • In the last couple of years the Operating Margin of PHM has grown nicely.
  • PHM has a Gross Margin of 26.41%. This is comparable to the rest of the industry: PHM outperforms 56.67% of its industry peers.
  • PHM's Gross Margin has been stable in the last couple of years.
Industry RankSector 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%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

8

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.
  • PHM has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, PHM has less shares outstanding
  • PHM has a better debt/assets ratio than last year.
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

  • An Altman-Z score of 6.35 indicates that PHM is not in any danger for bankruptcy at the moment.
  • PHM has a Altman-Z score of 6.35. This is amongst the best in the industry. PHM outperforms 85.00% of its industry peers.
  • The Debt to FCF ratio of PHM is 1.24, which is an excellent value as it means it would take PHM, only 1.24 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.24, PHM is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
  • 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 RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.24
Altman-Z 6.35
ROIC/WACC1.55
WACC9.02%
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 6.82. This indicates that PHM is financially healthy and has no problem in meeting its short term obligations.
  • The Current ratio of PHM (6.82) is better than 80.00% of its industry peers.
  • A Quick Ratio of 1.02 indicates that PHM should not have too much problems paying its short term obligations.
  • PHM has a Quick ratio (1.02) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 6.82
Quick Ratio 1.02
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 15B

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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

  • PHM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -23.36%.
  • 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.
  • PHM shows a decrease in Revenue. In the last year, the revenue decreased by -3.54%.
  • PHM shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.42% yearly.
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.
  • PHM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.00% yearly.
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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.64, PHM is valued correctly.
  • 65.00% of the companies in the same industry are more expensive than PHM, based on the Price/Earnings ratio.
  • PHM is valuated cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 13.41, which indicates a correct valuation of PHM.
  • Based on the Price/Forward Earnings ratio, PHM is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, PHM is valued rather cheaply.
Industry RankSector Rank
PE 12.64
Fwd PE 13.41
PHM Price Earnings VS Forward Price EarningsPHM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 61.67% of the companies in the same industry are more expensive than PHM, based on the Enterprise Value to EBITDA ratio.
  • PHM's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PHM is cheaper than 66.67% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.46
EV/EBITDA 8.72
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)0.7
EPS Next 2Y1.9%
EPS Next 3Y6.59%

More info and screens

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

5

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.75%, PHM is not a good candidate for dividend investing.
  • PHM's Dividend Yield is a higher than the industry average which is at 1.16.
  • With a Dividend Yield of 0.75, PHM pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 0.75%

5.2 History

  • The dividend of PHM is nicely growing with an annual growth rate of 12.95%!
  • 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
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.
  • PHM's earnings are growing slower than its dividend. 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

More info and screens

Find the best dividend stocksShow peers with best dividend

PULTEGROUP INC

NYSE:PHM (2/17/2026, 11:25:03 AM)

140.52

-2.04 (-1.43%)

Chartmill FA Rating
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)01-29
Earnings (Next)04-20
Inst Owners96.13%
Inst Owner Change-2.39%
Ins Owners0.62%
Ins Owner Change-1.45%
Market Cap27.03B
Revenue(TTM)17.31B
Net Income(TTM)2.22B
Analysts72.73
Price Target144.05 (2.51%)
Short Float %3.77%
Short Ratio3.77
Dividend
Industry RankSector Rank
Dividend Yield 0.75%
Yearly Dividend0.89
Dividend Growth(5Y)12.95%
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)-9.7%
EPS NQ rev (3m)-11.43%
EPS NY rev (1m)-5.53%
EPS NY rev (3m)-6.1%
Revenue NQ rev (1m)-3.08%
Revenue NQ rev (3m)-3.24%
Revenue NY rev (1m)0.25%
Revenue NY rev (3m)-0.49%
Valuation
Industry RankSector Rank
PE 12.64
Fwd PE 13.41
P/S 1.56
P/FCF 15.46
P/OCF 14.44
P/B 2.08
P/tB 2.09
EV/EBITDA 8.72
EPS(TTM)11.12
EY7.91%
EPS(NY)10.48
Fwd EY7.46%
FCF(TTM)9.09
FCFY6.47%
OCF(TTM)9.73
OCFY6.92%
SpS90.01
BVpS67.52
TBVpS67.17
PEG (NY)N/A
PEG (5Y)0.7
Graham Number129.97
Profitability
Industry RankSector 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 RankSector 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 6.35
F-Score5
WACC9.02%
ROIC/WACC1.55
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-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%.