PHM Stock Analysis: PulteGroup | NYSE
Residential Construction | NYSE, USA | Market Cap: 23.761m USD | 12M Return: 7.8% | US7458671010 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 252M
EPS Trend: -64.8%
Qual. Beats: 0
Rev. Trend: -4.6%
Qual. Beats: -1
Warnings
No concerns identified
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
PulteGroup, Inc. is a U.S. homebuilder that, through its subsidiaries, acquires and develops land for residential purposes, constructs housing, and sells both single-family detached homes and attached products such as townhomes, condominiums, and duplexes. The company markets homes under multiple brands, including Centex, Pulte Homes, Del Webb, DiVosta Homes, and John Wieland Homes and Neighborhoods. Alongside its core building activities, PulteGroup operates complementary mortgage banking, title, and insurance agency businesses that support the home buying process.
Founded in 1950 and headquartered in Atlanta, Georgia, PulteGroup trades on the NYSE under the ticker PHM and is classified in the Consumer Discretionary sectors homebuilding sub-industry. The U.S. homebuilding industry is cyclical, with demand generally sensitive to mortgage rates, employment conditions, and the availability of existing-home inventory. Large national builders like PulteGroup commonly combine land development with captive mortgage operations, an integrated model designed to simplify financing for buyers and capture additional margin within the transaction.
- Mortgage rates climb, squeezing home affordability and order volume
- Gross margin expansion drives record profitability on home price gains
- Aggressive share buybacks and dividends boost capital return to shareholders
| Net Income: 1.80b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.07 > 0.02 and ΔFCF/TA -1.67 > 1.0 |
| NWC/Revenue: 82.65% < 20% (prev 68.32%; Δ 14.33% < -1%) |
| CFO/TA 0.08 > 3% & CFO 1.41b > Net Income 1.80b |
| Net Debt (955.5m) to EBITDA (2.23b): 0.43 < 3 |
| Current Ratio: 5.84 > 1.5 & < 3 |
| Outstanding Shares: last quarter (187.8m) vs 12m ago -5.20% < -2% |
| Gross Margin: 24.14% > 18% (prev 27.49%; Δ -3.34% > 0.5%) |
| Asset Turnover: 87.94% > 50% (prev 98.72%; Δ -10.79% > 0%) |
| Interest Coverage Ratio: 4.61k > 6 (EBIT TTM 2.17b / Interest Expense TTM 471k) |
| A: 0.71 (Total Current Assets 15.9b - Total Current Liabilities 2.73b) / Total Assets 18.5b |
| B: 0.52 (Retained Earnings 9.56b / Total Assets 18.5b) |
| C: 0.12 (EBIT TTM 2.17b / Avg Total Assets 18.2b) |
| D: 2.43 (Book Value of Equity 13.1b / Total Liabilities 5.39b) |
| Altman-Z'' = 9.73 = AAA |
| DSRI: 1.80 (Receivables 433.9m/265.9m, Revenue 16.0b/17.6b) |
| GMI: 1.14 (GM 27.49% / 24.14%) |
| AQI: 0.73 (AQ_t 0.12 / AQ_t-1 0.16) |
| SGI: 0.91 (Revenue 16.0b / 17.6b) |
| TATA: 0.02 (NI 1.80b - CFO 1.41b) / TA 18.5b) |
| Beneish M = -2.47 (Cap -4..+1) = BBB |
As of November 04, 2026, the stock is trading at USD 126.88 with a total of 1,833,370 shares traded. Over the past week, the price has changed by +4.32%, over one month by +11.32%, over three months by -1.65% and over the past year by +7.75%.
Current recommended Stop Loss: 117.90 (which is 7.1% or 2.2 ATR below the current price).
PulteGroup has received a consensus analysts rating of 3.89. Therefore, it is recommended to buy PHM.
- StrongBuy: 8
- Buy: 2
- Hold: 7
- Sell: 0
- StrongSell: 1
| Analysts Target Price | 132.9 | 4.7% |
P/E Trailing = 13.3269
P/E Forward = 14.7275
P/S = 1.4873
P/B = 1.8089
P/EG = 1.3379
Revenue TTM = 16.0b USD
EBIT TTM = 2.17b USD
EBITDA TTM = 2.23b USD
Long Term Debt = 2.19b USD (from longTermDebt, last quarter)
Short Term Debt = 1.81m USD (from shortTermDebt, last quarter)
Debt = 2.33b USD (from shortLongTermDebtTotal, last quarter) + Leases 133.2m
Net Debt = 955.5m USD (calculated: Debt 2.33b - CCE 1.37b)
Enterprise Value = 24.7b USD (23.8b + Debt 2.33b - CCE 1.37b)
Interest Coverage Ratio = 4.61k (Ebit TTM 2.17b / Interest Expense TTM 471k)
EV/FCF = 19.03x (Enterprise Value 24.7b / FCF TTM 1.30b)
FCF Yield = 5.25% (FCF TTM 1.30b / Enterprise Value 24.7b)
FCF Margin = 8.13% (FCF TTM 1.30b / Revenue TTM 16.0b)
Net Margin = 11.24% (Net Income TTM 1.80b / Revenue TTM 16.0b)
Gross Margin = 24.14% ((Revenue TTM 16.0b - Cost of Revenue TTM 12.1b) / Revenue TTM)
Gross Margin QoQ = 26.85% (prev 20.72%)
Tobins Q-Ratio = 1.34 (Enterprise Value 24.7b / Total Assets 18.5b)
Interest Expense / Debt = 0.02% (Interest Expense 471k / Debt 2.33b)
Taxrate = 23.63% (555.9m / 2.35b)
NOPAT = 1.66b (EBIT 2.17b * (1 - 23.63%))
Current Ratio = 5.84 (Total Current Assets 15.9b / Total Current Liabilities 2.73b)
Debt / Equity = 0.18 (Debt 2.33b / totalStockholderEquity, last quarter 13.1b)
Debt / EBITDA = 0.43 (Net Debt 955.5m / EBITDA 2.23b)
Debt / FCF = 0.74 (Net Debt 955.5m / FCF TTM 1.30b)
Total Stockholder Equity = 13.0b (last 4 quarters mean from totalStockholderEquity)
RoA = 9.89% (Net Income 1.80b / Total Assets 18.5b)
RoE = 13.80% (Net Income TTM 1.80b / Total Stockholder Equity 13.0b)
RoCE = 14.29% (EBIT 2.17b / Capital Employed (Equity 13.0b + L.T.Debt 2.19b))
RoIC = 11.09% (NOPAT 1.66b / Invested Capital 15.0b)
WACC = 7.05% (E(23.8b)/V(26.1b) * Re(7.74%) + D(2.33b)/V(26.1b) * Rd(0.02%) * (1-Tc(0.24)))
Discount Rate = 7.74% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -99.17 | Cagr: -5.08%
[DCF] Terminal Value 73.10% ; FCFF base≈1.40b ; Y1≈1.23b ; Y5≈991.9m
[DCF] Fair Price = 78.56 (EV 15.9b - Net Debt 955.5m = Equity 15.0b / Shares 190.5m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -64.83 | EPS CAGR: -8.98% | SUE: -0.26 | # QB: 0
Revenue Correlation: -4.55 | Revenue CAGR: -0.21% | SUE: -1.55 | # QB: -1
EPS current Quarter (2027-03-31): EPS=1.77 | Chg30d=-11.62% | Revisions=-25% | Analysts=6
EPS current Year (2026-12-31): EPS=9.31 | Chg30d=-7.74% | Revisions=-57% | GrowthEPS=-16.2% | GrowthRev=-10.3%
EPS next Year (2027-12-31): EPS=9.43 | Chg30d=-14.49% | Revisions=-62% | GrowthEPS=+1.2% | GrowthRev=+1.2%
[Analyst] Revisions Ratio: -77% (up=0, down=10)