(PHM) PulteGroup - Ratings and Ratios
Single-Family Detached, Townhomes, Condominiums, Duplexes, Financing
PHM EPS (Earnings per Share)
PHM Revenue
Description: PHM PulteGroup October 14, 2025
PulteGroup, Inc. (NYSE: PHM) is a U.S. homebuilder that acquires land, develops residential subdivisions, and constructs a range of housing types-including single-family homes, townhomes, condos, and duplexes-under brands such as Pulte Homes, Centex, Del Webb, DiVosta, John Wieland, and American West. In addition to construction, the firm offers mortgage-loan origination, sells loan-servicing rights, and provides title-insurance and closing services to homebuyers.
According to the company’s 2023 annual report, PulteGroup generated roughly **$13.5 billion in revenue**, delivered **≈30,000 homes** (a 4 % increase YoY), and reported a **net income of $1.2 billion**. The average selling price (ASP) of its homes rose to **about $400 k**, driven largely by higher-priced markets in the Sun Belt. As of Q3 2024, the firm’s **backlog stood near $5 billion**, indicating a pipeline of future deliveries that could sustain earnings if financing conditions remain favorable.
Key macro drivers for PulteGroup include **mortgage-rate volatility**, which directly affects buyer affordability; the **U.S. Housing Affordability Index**, currently below 100, suggesting many households are price-constrained; and **construction-labor shortages**, which have pushed material and wage costs up 5-7 % year-over-year. A 1 % rise in the 30-year Treasury yield historically correlates with a 0.5 % dip in home-sale volumes for large builders, a relationship Pulte must monitor closely. Conversely, strong **population inflows to the Sun Belt** and a **tight housing inventory** (national vacancy rate ≈1.2 %) provide tailwinds for pricing power.
For a deeper, data-driven assessment of how these factors translate into valuation risk and upside, you may find ValueRay’s analytical dashboards a useful next step.
PHM Stock Overview
| Market Cap in USD | 24,554m |
| Sub-Industry | Homebuilding |
| IPO / Inception | 1985-07-01 |
PHM Stock Ratings
| Growth Rating | 53.6% |
| Fundamental | 74.6% |
| Dividend Rating | 61.4% |
| Return 12m vs S&P 500 | -22.2% |
| Analyst Rating | 4.0 of 5 |
PHM Dividends
| Dividend Yield 12m | 0.73% |
| Yield on Cost 5y | 2.18% |
| Annual Growth 5y | 13.16% |
| Payout Consistency | 83.5% |
| Payout Ratio | 6.6% |
PHM Growth Ratios
| Growth Correlation 3m | 24.3% |
| Growth Correlation 12m | 10.3% |
| Growth Correlation 5y | 83% |
| CAGR 5y | 47.27% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.24 |
| CAGR/Mean DD 3y (Pain Ratio) | 4.54 |
| Sharpe Ratio 12m | -0.72 |
| Alpha | -35.73 |
| Beta | 1.298 |
| Volatility | 34.59% |
| Current Volume | 1661.4k |
| Average Volume 20d | 2391.4k |
| Stop Loss | 116.4 (-3.7%) |
| Signal | -0.16 |
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (2.74b TTM) > 0 and > 6% of Revenue (6% = 1.06b TTM) |
| FCFTA 0.07 (>2.0%) and ΔFCFTA -0.37pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 65.95% (prev 75.56%; Δ -9.61pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.08 (>3.0%) and CFO 1.45b <= Net Income 2.74b (YES >=105%, WARN >=100%) |
| Net Debt (985.7m) to EBITDA (3.67b) ratio: 0.27 <= 3.0 (WARN <= 3.5) |
| Current Ratio 5.15 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (200.7m) change vs 12m ago -4.98% (target <= -2.0% for YES) |
| Gross Margin 27.81% (prev 30.15%; Δ -2.34pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 103.7% (prev 101.8%; Δ 1.86pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 6947 (EBITDA TTM 3.67b / Interest Expense TTM 515.0k) >= 6 (WARN >= 3) |
Altman Z'' 9.36
| (A) 0.66 = (Total Current Assets 14.48b - Total Current Liabilities 2.81b) / Total Assets 17.59b |
| (B) 0.52 = Retained Earnings (Balance) 9.11b / Total Assets 17.59b |
| (C) 0.21 = EBIT TTM 3.58b / Avg Total Assets 17.07b |
| (D) 1.82 = Book Value of Equity 9.11b / Total Liabilities 5.01b |
| Total Rating: 9.36 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 74.62
| 1. Piotroski 4.50pt = -0.50 |
| 2. FCF Yield 5.15% = 2.58 |
| 3. FCF Margin 7.45% = 1.86 |
| 4. Debt/Equity 0.18 = 2.48 |
| 5. Debt/Ebitda 0.27 = 2.44 |
| 6. ROIC - WACC (= 9.02)% = 11.28 |
| 7. RoE 22.59% = 1.88 |
| 8. Rev. Trend 20.08% = 1.51 |
| 9. EPS Trend 21.58% = 1.08 |
What is the price of PHM shares?
Over the past week, the price has changed by -2.44%, over one month by -7.07%, over three months by +1.49% and over the past year by -8.53%.
Is PulteGroup a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PHM is around 141.22 USD . This means that PHM is currently undervalued and has a potential upside of +16.85% (Margin of Safety).
Is PHM a buy, sell or hold?
- 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 | 137.9 | 14.1% |
| Analysts Target Price | 137.9 | 14.1% |
| ValueRay Target Price | 159.4 | 31.9% |
PHM Fundamental Data Overview October 22, 2025
P/E Trailing = 9.3104
P/E Forward = 12.5313
P/S = 1.3876
P/B = 2.1162
P/EG = 0.4178
Beta = 1.298
Revenue TTM = 17.69b USD
EBIT TTM = 3.58b USD
EBITDA TTM = 3.67b USD
Long Term Debt = 2.12b USD (from longTermDebt, last quarter)
Short Term Debt = 514.0m USD (from shortTermDebt, last quarter)
Debt = 2.25b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 985.7m USD (from netDebt column, last quarter)
Enterprise Value = 25.57b USD (24.55b + Debt 2.25b - CCE 1.23b)
Interest Coverage Ratio = 6947 (Ebit TTM 3.58b / Interest Expense TTM 515.0k)
FCF Yield = 5.15% (FCF TTM 1.32b / Enterprise Value 25.57b)
FCF Margin = 7.45% (FCF TTM 1.32b / Revenue TTM 17.69b)
Net Margin = 15.50% (Net Income TTM 2.74b / Revenue TTM 17.69b)
Gross Margin = 27.81% ((Revenue TTM 17.69b - Cost of Revenue TTM 12.77b) / Revenue TTM)
Gross Margin QoQ = 27.21% (prev 27.43%)
Tobins Q-Ratio = 1.45 (Enterprise Value 25.57b / Total Assets 17.59b)
Interest Expense / Debt = 0.01% (Interest Expense 141.0k / Debt 2.25b)
Taxrate = 24.61% (198.7m / 807.2m)
NOPAT = 2.70b (EBIT 3.58b * (1 - 24.61%))
Current Ratio = 5.15 (Total Current Assets 14.48b / Total Current Liabilities 2.81b)
Debt / Equity = 0.18 (Debt 2.25b / totalStockholderEquity, last quarter 12.57b)
Debt / EBITDA = 0.27 (Net Debt 985.7m / EBITDA 3.67b)
Debt / FCF = 0.75 (Net Debt 985.7m / FCF TTM 1.32b)
Total Stockholder Equity = 12.14b (last 4 quarters mean from totalStockholderEquity)
RoA = 15.59% (Net Income 2.74b / Total Assets 17.59b)
RoE = 22.59% (Net Income TTM 2.74b / Total Stockholder Equity 12.14b)
RoCE = 25.09% (EBIT 3.58b / Capital Employed (Equity 12.14b + L.T.Debt 2.12b))
RoIC = 18.92% (NOPAT 2.70b / Invested Capital 14.26b)
WACC = 9.89% (E(24.55b)/V(26.81b) * Re(10.80%) + D(2.25b)/V(26.81b) * Rd(0.01%) * (1-Tc(0.25)))
Discount Rate = 10.80% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.56%
[DCF Debug] Terminal Value 68.15% ; FCFE base≈1.31b ; Y1≈1.26b ; Y5≈1.24b
Fair Price DCF = 73.21 (DCF Value 14.44b / Shares Outstanding 197.3m; 5y FCF grow -4.91% → 3.0% )
EPS Correlation: 21.58 | EPS CAGR: 4.42% | SUE: 0.15 | # QB: 0
Revenue Correlation: 20.08 | Revenue CAGR: 4.56% | SUE: -0.12 | # QB: 0
Additional Sources for PHM Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle