Overview Dividends

(PHM) PulteGroup - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US7458671010

Single-Family, Townhome, Condo, Land, Financing, Title

Homebuilding
Market Cap in USD: 23,903m

IPO / Inception: 1985-07-01
Return 12m vs S&P 500: 2.36%

EPS (Earnings per Share)

EPS CAGR: 4.50%
EPS Trend: 49.8%

Last SUE: 0.17
Qual. Beats: 0

Revenue

Rev. CAGR: 0.28%
Rev. Trend: 39.1%

Last SUE: 0.54
Qual. Beats: 0

Dividends

Dividend Yield	0.75%
Yield on Cost 5y	2.30%
Yield CAGR 5y	12.71%
Payout Consistency	83.5%
Payout Ratio	7.1%

Risk via 5d forecast
Volatility	38.1%
Value at Risk 5%th	57.3%
Relative Tail Risk	-8.72%

Reward TTM
Sharpe Ratio	0.59
Alpha	8.41
CAGR/Max DD	1.03

Character TTM
Hurst Exponent	0.356
Beta	0.729
Beta Downside	0.385

Drawdowns 3y
Max DD	38.01%
Mean DD	11.54%
Median DD	8.63%

Description: PHM PulteGroup December 17, 2025

PulteGroup, Inc. (NYSE:PHM) is a U.S. homebuilder that acquires, develops, and constructs residential properties across multiple segments-including single-family homes, townhomes, condos, and duplexes-under brands such as Pulte Homes, Centex, Del Webb, and others. The firm also offers ancillary services like mortgage origination, loan-servicing rights sales, title insurance, and closing services, creating a vertically integrated business model. Founded in 1950 and headquartered in Atlanta, Georgia, PulteGroup operates primarily in the homebuilding sub-industry of the Consumer Discretionary sector.

Key recent metrics: FY 2023 revenue was approximately $8.2 billion with a net profit margin of ~6.5%; the company reported a backlog of roughly $12 billion, indicating strong future demand. Core drivers include the U.S. housing-starts cycle, mortgage-rate volatility (currently around 6.5% for a 30-year fixed), and regional labor-cost pressures that affect construction margins. The broader homebuilding sector remains sensitive to consumer confidence and inventory-to-sales ratios, which have been tightening as new-home supply lags demand.

For a deeper, data-driven view of PHM’s valuation dynamics, you may find ValueRay’s analytical dashboards worth exploring.

Piotroski VR‑10 (Strict, 0-10) 5.0

Net Income (2.63b TTM) > 0 and > 6% of Revenue (6% = 1.06b TTM)

FCFTA 0.09 (>2.0%) and ΔFCFTA 1.13pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 72.69% (prev 75.20%; Δ -2.51pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.09 (>3.0%) and CFO 1.67b <= Net Income 2.63b (YES >=105%, WARN >=100%)

Net Debt (576.0m) to EBITDA (3.54b) ratio: 0.16 <= 3.0 (WARN <= 3.5)

Current Ratio 6.11 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (198.1m) change vs 12m ago -4.95% (target <= -2.0% for YES)

Gross Margin 27.49% (prev 29.54%; Δ -2.06pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 101.3% (prev 102.1%; Δ -0.88pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 5188 (EBITDA TTM 3.54b / Interest Expense TTM 663.0k) >= 6 (WARN >= 3)

Altman Z'' 9.70

(A) 0.72 = (Total Current Assets 15.32b - Total Current Liabilities 2.51b) / Total Assets 17.85b

(B) 0.52 = Retained Earnings (Balance) 9.35b / Total Assets 17.85b

(D) 1.86 = Book Value of Equity 9.35b / Total Liabilities 5.02b

Total Rating: 9.70 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 80.02

1. Piotroski 5.0pt

2. FCF Yield 6.34%

3. FCF Margin 8.81%

4. Debt/Equity 0.16

5. Debt/Ebitda 0.16

6. ROIC - WACC (= 10.12)%

7. RoE 21.12%

8. Rev. Trend 39.06%

9. EPS Trend 49.84%

What is the price of PHM shares?

As of January 10, 2026, the stock is trading at USD 132.20 with a total of 4,085,845 shares traded.
Over the past week, the price has changed by +11.03%, over one month by +7.67%, over three months by +9.11% and over the past year by +23.83%.

Is PHM a buy, sell or hold?

PulteGroup has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy PHM.

Strong Buy: 7
Buy: 3
Hold: 7
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the PHM price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	138.3	4.6%
Analysts Target Price	138.3	4.6%
ValueRay Target Price	155.9	17.9%

PHM Fundamental Data Overview January 07, 2026

P/E Trailing = 9.348
P/E Forward = 11.1111
P/S = 1.3563
P/B = 1.8095
P/EG = 1.0098
Beta = 1.339
Revenue TTM = 17.62b USD
EBIT TTM = 3.44b USD
EBITDA TTM = 3.54b USD
Long Term Debt = 2.03b USD (from longTermDebt, last quarter)
Short Term Debt = 304.2m USD (from shortTermDebt, last quarter)
Debt = 2.03b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 576.0m USD (from netDebt column, last quarter)
Enterprise Value = 24.48b USD (23.90b + Debt 2.03b - CCE 1.45b)
Interest Coverage Ratio = 5188 (Ebit TTM 3.44b / Interest Expense TTM 663.0k)
FCF Yield = 6.34% (FCF TTM 1.55b / Enterprise Value 24.48b)
FCF Margin = 8.81% (FCF TTM 1.55b / Revenue TTM 17.62b)
Net Margin = 14.93% (Net Income TTM 2.63b / Revenue TTM 17.62b)
Gross Margin = 27.49% ((Revenue TTM 17.62b - Cost of Revenue TTM 12.78b) / Revenue TTM)
Gross Margin QoQ = 27.77% (prev 27.21%)
Tobins Q-Ratio = 1.37 (Enterprise Value 24.48b / Total Assets 17.85b)
Interest Expense / Debt = 0.01% (Interest Expense 268.0k / Debt 2.03b)
Taxrate = 23.70% (182.0m / 767.8m)
NOPAT = 2.62b (EBIT 3.44b * (1 - 23.70%))
Current Ratio = 6.11 (Total Current Assets 15.32b / Total Current Liabilities 2.51b)
Debt / Equity = 0.16 (Debt 2.03b / totalStockholderEquity, last quarter 12.83b)
Debt / EBITDA = 0.16 (Net Debt 576.0m / EBITDA 3.54b)
Debt / FCF = 0.37 (Net Debt 576.0m / FCF TTM 1.55b)
Total Stockholder Equity = 12.46b (last 4 quarters mean from totalStockholderEquity)
RoA = 15.11% (Net Income 2.63b / Total Assets 17.85b)
RoE = 21.12% (Net Income TTM 2.63b / Total Stockholder Equity 12.46b)
RoCE = 23.75% (EBIT 3.44b / Capital Employed (Equity 12.46b + L.T.Debt 2.03b))
RoIC = 18.05% (NOPAT 2.62b / Invested Capital 14.54b)
WACC = 7.93% (E(23.90b)/V(25.93b) * Re(8.60%) + D(2.03b)/V(25.93b) * Rd(0.01%) * (1-Tc(0.24)))
Discount Rate = 8.60% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.17%
[DCF Debug] Terminal Value 79.65% ; FCFF base≈1.44b ; Y1≈1.58b ; Y5≈2.02b
Fair Price DCF = 178.8 (EV 35.43b - Net Debt 576.0m = Equity 34.85b / Shares 194.9m; r=7.93% [WACC]; 5y FCF grow 11.13% → 2.90% )
EPS Correlation: 49.84 | EPS CAGR: 4.50% | SUE: 0.17 | # QB: 0
Revenue Correlation: 39.06 | Revenue CAGR: 0.28% | SUE: 0.54 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.99 | Chg30d=-0.053 | Revisions Net=-1 | Analysts=7
EPS next Year (2026-12-31): EPS=10.89 | Chg30d=-0.075 | Revisions Net=-1 | Growth EPS=-4.3% | Growth Revenue=-2.1%

Additional Sources for PHM Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle