PULTEGROUP INC (PHM) Stock Fundamental Analysis

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

134.57 USD
+4.11 (+3.15%)
At close: Feb 4, 2026
134.57 USD
0 (0%)
After Hours: 2/4/2026, 7:00:00 PM
Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to PHM. PHM was compared to 60 industry peers in the Household Durables industry. PHM scores excellent on profitability, but there are some minor concerns on its financial health. 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.
  • In the past year PHM had a positive cash flow from operations.
  • PHM had positive earnings in each of the past 5 years.
  • Each year in the past 5 years PHM had a positive operating cash flow.
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.
  • With a decent Return On Equity value of 17.09%, PHM is doing good in the industry, outperforming 80.00% of the companies in the same industry.
  • PHM's Return On Invested Capital of 14.25% is amongst the best of the industry. PHM outperforms 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 9.41%.
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

  • PHM's Profit Margin of 12.82% is amongst the best of 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 16.77% is amongst the best of the industry. PHM outperforms 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.
  • Looking at the Gross Margin, with a value of 26.41%, PHM is in line with its industry, 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

  • PHM has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • PHM has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for PHM has been reduced compared to 5 years ago.
  • The debt/assets ratio for PHM has been reduced compared to a year ago.
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

  • 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.
  • The Debt to FCF ratio of PHM (1.24) is better than 73.33% 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 has a Debt to Equity ratio of 0.17. This is in the better half of the industry: PHM outperforms 70.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.17
Debt/FCF 1.24
Altman-Z N/A
ROIC/WACC1.56
WACC9.14%
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.
  • A Quick Ratio of 0.66 indicates that PHM may have some problems paying its short term obligations.
  • PHM has a worse Quick ratio (0.66) 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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3

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.
  • PHM shows a decrease in Revenue. In the last year, the revenue decreased by -3.54%.
  • 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

  • PHM is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.59% yearly.
  • 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

  • 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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5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.10, 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's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.25.
  • The Price/Forward Earnings ratio is 12.85, 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 68.33% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 27.50. PHM is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.1
Fwd PE 12.85
PHM Price Earnings VS Forward Price EarningsPHM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as PHM.
  • 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 RankSector Rank
P/FCF 15
EV/EBITDA 8.32
PHM Per share dataPHM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The excellent profitability rating of PHM may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.67
EPS Next 2Y1.9%
EPS Next 3Y6.59%

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5

5. Dividend

5.1 Amount

  • With a yearly dividend of 0.82%, PHM is not a good candidate for dividend investing.
  • PHM's Dividend Yield is a higher than the industry average which is at 1.21.
  • Compared to an average S&P500 Dividend Yield of 1.82, PHM's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 0.82%

5.2 History

  • On average, the dividend of PHM grows each year by 12.83%, 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)12.83%
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

  • PHM pays out 7.96% of its income as dividend. This is a 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

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PULTEGROUP INC

NYSE:PHM (2/4/2026, 7:00:00 PM)

After market: 134.57 0 (0%)

134.57

+4.11 (+3.15%)

Chartmill FA Rating
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)01-29
Earnings (Next)04-20
Inst Owners96.13%
Inst Owner Change-3.75%
Ins Owners0.62%
Ins Owner Change-0.72%
Market Cap26.23B
Revenue(TTM)17.31B
Net Income(TTM)2.22B
Analysts74.29
Price Target144.05 (7.04%)
Short Float %3.37%
Short Ratio3.55
Dividend
Industry RankSector Rank
Dividend Yield 0.82%
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)-0.26%
PT rev (3m)2.26%
EPS NQ rev (1m)-0.18%
EPS NQ rev (3m)0%
EPS NY rev (1m)-0.04%
EPS NY rev (3m)0.09%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)0.48%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.88%
Valuation
Industry RankSector Rank
PE 12.1
Fwd PE 12.85
P/S 1.52
P/FCF 15
P/OCF 14.02
P/B 2.02
P/tB 2.03
EV/EBITDA 8.32
EPS(TTM)11.12
EY8.26%
EPS(NY)10.48
Fwd EY7.78%
FCF(TTM)8.97
FCFY6.67%
OCF(TTM)9.6
OCFY7.13%
SpS88.82
BVpS66.62
TBVpS66.28
PEG (NY)N/A
PEG (5Y)0.67
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
WACC9.14%
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%.