PHM Stock Analysis: PulteGroup | NYSE
Residential Construction | NYSE, USA | Market Cap: 24.144m USD | 12M Return: 10.8% | US7458671010 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 236M
EPS Trend: -41.9%
Qual. Beats: 0
Rev. Trend: 24.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.6 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. (NYSE: PHM) is a U.S. homebuilder headquartered in Atlanta, Georgia, operating through subsidiaries to acquire and develop residential land and construct homes. The company sells single-family detached homes as well as attached formats such as townhomes, condominiums, and duplexes, marketed under multiple brands including Centex, Pulte Homes, Del Webb, DiVosta Homes, and John Wieland Homes and Neighborhoods. In addition to homebuilding, PulteGroup runs complementary mortgage banking, title, and insurance agency operations that support its core residential business. The company was founded in 1950 and trades as a large-cap stock in the Consumer Discretionary sector.
The U.S. homebuilding industry is classified within the GICS Consumer Discretionary sector and tends to be cyclical, with demand influenced by mortgage rates, employment trends, and housing supply dynamics. A common feature of large national homebuilders is vertical integration into mortgage and title services, which allows them to capture ancillary revenue from home sales and offer a more streamlined closing process for buyers. Multi-brand strategies, like PulteGroups, are also typical in the industry and enable operators to target different price points, customer demographics, and geographic markets under distinct brand identities.
- Mortgage rate cuts drive single-family home order growth
- Del Webb 55+ active adult segment expands margins
- Capital returns accelerate through buybacks and dividends
| Net Income: 1.91b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 0.79 > 1.0 |
| NWC/Revenue: 77.24% < 20% (prev 65.95%; Δ 11.29% < -1%) |
| CFO/TA 0.09 > 3% & CFO 1.63b > Net Income 1.91b |
| Net Debt (546.0m) to EBITDA (2.40b): 0.23 < 3 |
| Current Ratio: 5.27 > 1.5 & < 3 |
| Outstanding Shares: last quarter (193.9m) vs 12m ago -3.40% < -2% |
| Gross Margin: 24.46% > 18% (prev 27.81%; Δ -3.35% > 0.5%) |
| Asset Turnover: 91.53% > 50% (prev 100.6%; Δ -9.08% > 0%) |
| Interest Coverage Ratio: 4.62k > 6 (EBIT TTM 2.32b / Interest Expense TTM 501k) |
| A: 0.69 (Total Current Assets 15.6b - Total Current Liabilities 2.97b) / Total Assets 18.3b |
| B: 0.52 (Retained Earnings 9.49b / Total Assets 18.3b) |
| C: 0.13 (EBIT TTM 2.32b / Avg Total Assets 17.9b) |
| D: 2.48 (Book Value of Equity 13.0b / Total Liabilities 5.25b) |
| Altman-Z'' = 9.72 = AAA |
As of August 06, 2026, the stock is trading at USD 133.01 with a total of 1,193,701 shares traded. Over the past week, the price has changed by +0.53%, over one month by +1.24%, over three months by +12.99% and over the past year by +10.78%.
Current recommended Stop Loss: 126.80 (which is 4.7% or 1.4 ATR below the current price).
PulteGroup has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy PHM.
- StrongBuy: 7
- Buy: 3
- Hold: 7
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 140.6 | 5.7% |
P/E Trailing = 12.9315
P/E Forward = 12.4533
P/S = 1.4683
P/B = 1.8844
P/EG = 1.1319
Revenue TTM = 16.4b USD
EBIT TTM = 2.32b USD
EBITDA TTM = 2.40b USD
Long Term Debt = 2.30b USD (from longTermDebt, last quarter)
Short Term Debt = 477.9m USD (from shortTermDebt, last quarter)
Debt = 2.43b USD (from shortLongTermDebtTotal, last quarter) + Leases 133.2m
Net Debt = 546.0m USD (calculated: Debt 2.43b - CCE 1.89b)
Enterprise Value = 24.7b USD (24.1b + Debt 2.43b - CCE 1.89b)
Interest Coverage Ratio = 4.62k (Ebit TTM 2.32b / Interest Expense TTM 501k)
EV/FCF = 16.32x (Enterprise Value 24.7b / FCF TTM 1.51b)
FCF Yield = 6.13% (FCF TTM 1.51b / Enterprise Value 24.7b)
FCF Margin = 9.22% (FCF TTM 1.51b / Revenue TTM 16.4b)
Net Margin = 11.62% (Net Income TTM 1.91b / Revenue TTM 16.4b)
Gross Margin = 24.46% ((Revenue TTM 16.4b - Cost of Revenue TTM 12.4b) / Revenue TTM)
Gross Margin QoQ = 20.72% (prev 24.12%)
Tobins Q-Ratio = 1.35 (Enterprise Value 24.7b / Total Assets 18.3b)
Interest Expense / Debt = 0.02% (Interest Expense 501k / Debt 2.43b)
Taxrate = 23.59% (588.4m / 2.49b)
NOPAT = 1.77b (EBIT 2.32b * (1 - 23.59%))
Current Ratio = 5.27 (Total Current Assets 15.6b / Total Current Liabilities 2.97b)
Debt / Equity = 0.19 (Debt 2.43b / totalStockholderEquity, last quarter 13.0b)
Debt / EBITDA = 0.23 (Net Debt 546.0m / EBITDA 2.40b)
Debt / FCF = 0.36 (Net Debt 546.0m / FCF TTM 1.51b)
Total Stockholder Equity = 12.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 10.64% (Net Income 1.91b / Total Assets 18.3b)
RoE = 14.73% (Net Income TTM 1.91b / Total Stockholder Equity 12.9b)
RoCE = 15.19% (EBIT 2.32b / Capital Employed (Equity 12.9b + L.T.Debt 2.30b))
RoIC = 11.83% (NOPAT 1.77b / Invested Capital 15.0b)
WACC = 7.72% (E(24.1b)/V(26.6b) * Re(8.50%) + D(2.43b)/V(26.6b) * Rd(0.02%) * (1-Tc(0.24)))
Discount Rate = 8.50% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -97.42 | Cagr: -4.93%
[DCF] Terminal Value 77.93% ; FCFF base≈1.43b ; Y1≈1.64b ; Y5≈2.40b
[DCF] Fair Price = 187.1 (EV 36.2b - Net Debt 546.0m = Equity 35.6b / Shares 190.5m; r=8.35% [WACC [floored]]; 5y FCF grow 14.76% → 2.50% )
EPS Correlation: -41.89 | EPS CAGR: -4.93% | SUE: 0.26 | # QB: 0
Revenue Correlation: 24.92 | Revenue CAGR: 1.01% | SUE: 0.09 | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.65 | Chg30d=-4.80% | Revisions=+27% | Analysts=12
EPS current Year (2026-12-31): EPS=10.18 | Chg30d=+1.57% | Revisions=-67% | GrowthEPS=-8.5% | GrowthRev=-5.5%
EPS next Year (2027-12-31): EPS=11.24 | Chg30d=+1.16% | Revisions=-50% | GrowthEPS=+10.4% | GrowthRev=+4.4%
[Analyst] Revisions Ratio: -34% (up=11, down=24)