Stock Analysis
Pultegroup, Inc.PHM
P/E 11.35×· 5Y range 2.73–16.34×· top 18% of history
Sector: Industrials · Industry: Operative Builders
AnalystsBuy22 analystsP/E 11.3× sits at the 82nd percentile of its 5.086926762491444-year history.
Cash covers 54% of debt · Q2 2026.
PMP Verdict
High quality, but expensive
Strengths
- Financial Health95
- Quality70
Risks
- Valuation70
- Growth43
Excellent business. Weak entry price.
Bull Case
- ✓Altman Z 4.8 — safe-zone balance sheet
- ✓Interest coverage 41.5× — debt well covered
What's happening with PHM
Profile
Strong financial health; growth lags behind.
How is each axis scored?
- Valuation70/100 · Moderate
- P/E vs own history (82th pct)0/25
- FCF yield (7.0%)20/25
- P/S (1.3x)25/25
- EV/EBIT (8.9x)25/25
- Growth43/100 · Weak
- Revenue CAGR (5.6%)12/25
- Net income CAGR (3.3%)6/25
- EPS CAGR 5Y (10.4%)20/25
- Fwd implied growth (1.7%)5/25
- Profitability64/100 · Moderate
- ROIC (14.2%)12/25
- ROE (14.6%)12/25
- Net margin (11.6%)20/25
- Operating margin (15.6%)20/25
- Financial Health95/100 · Strong
- Altman Z (4.78)25/25
- Current ratio (7.27)25/25
- Interest coverage (41.5x)25/25
- Net cash / debt (D/A 6%)20/25
- Quality70/100 · Moderate
- Piotroski F (4/9)10/25
- Beneish M (-2.50)20/25
- FCF conversion (79%)15/25
- Margin stability (σ 2.9%)25/25
- Moat74/100 · Moderate
- ROIC >12% years (7/7 yrs)25/25
- Median gross margin (24.7%)6/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 5.2%)18/25
Risk Flags
- ⚠P/E 11.3× at top 18% of 5-year history
About Pultegroup, Inc.
PulteGroup Inc is a homebuilder in the United States. Show more
The company mainly builds single-family detached homes and offers products to entry-level, move-up, and active-adult buyers. It also offers homebuyers mortgage financing, title, and insurance agency services through its financial services segment.
Headquarters: ATLANTA, GA · Employees: 6,506 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
70B+P/E (TTM)11.4xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 2.7x–16.3x · 82nd pct
P/FCF11.8xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield7.0%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 3.9%–18.0% · 50th pct
P/S (TTM)1.32xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 0.4x–2.2x · 45th pct
EV/EBIT8.9xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 8.2x–10.7x · 24th pct
EV/Sales1.3xA
Grade A: CheapEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E11.2xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.66xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio2.50C
Grade C: ExpensiveFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield0.90%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio9.9%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
64BROIC14.2%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE14.6%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA10.5%A
Grade A: StrongReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin11.6%A
Grade A: HighNet Income / Revenue
Operating Margin15.6%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin-51.3%D
Grade D: LowGross Profit / Revenue
FCF Margin9.2%C
Grade C: AverageFCF / Revenue
True FCF Margin8.9%C
Grade C: AverageTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
43D+Revenue CAGR5.6%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR3.3%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)10.4%C
Grade C: OkCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth1.7%B
Grade B: LowAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-27.5%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income3.0%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.4%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
95A+Altman Z-Score4.78A
Grade A: SafeBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio7.27xA
Grade A: HighCurrent Assets/Liabilities
Quick Ratio0.45xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage41.5xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment0.8yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT0.4xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.19xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.54xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
70B+Piotroski F-Score4/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.50A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion79.3%C
Grade C: AverageFCF / Net Income
Margin Stability2.9%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue0.7%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.91xC
Grade C: AverageRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
BLAIR BRYCE Filed | BLAIR BRYCE | Gift | +7.6K | |
BLAIR BRYCE Filed | BLAIR BRYCE | Gift | -7639 | |
HENRY KEVIN A Filed | HENRY KEVIN A | Tax withholding | -2093 | |
Koart Matthew William Filed | Koart Matthew William | SellOpen market sale | -7457 | |
Koart Matthew William Filed | Koart Matthew William | Tax withholding | -6861 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Snyder Lila Filed | Snyder Lila | SellOpen market sale | -3339 | |
Actis-Grande Kristen Filed | Actis-Grande Kristen | Grant / award | +1.5K | |
GANNON KRISTIN F. Filed | GANNON KRISTIN F. | Grant / award | +1.5K |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
74B+ROIC >12% Years7/7 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)24.7%D
Grade D: WeakMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor5.2%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$10.01
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$7.12
Cash & short-term investments per share (Finnhub)
Book Value / Share$69.34
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$2.48B
Total debt obligations (short + long term)
Cash & Equiv.$1.34B
Cash and short-term investments
Net Debt$1.14B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$13.01B
Shareholders' equity (book value)
Asset / Liability3.48xA
Grade A: SolidTotal Assets / Total Liabilities
Market
Market Cap$21.64B
Current Market Capitalization
Beta1.20B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Pultegroup, Inc. (PHM)
Piotroski F-Score of 4/9 indicates mixed fundamentals for Pultegroup, Inc.. Altman Z-Score of 4.78 sits comfortably in the safe zone (≥ 2.99), indicating low bankruptcy risk. Beneish M-Score of -2.50 suggests a low likelihood of earnings manipulation.
- Takes ~0.8 years to repay net debt from free cash flow.
- At a valuation score of 70/100, PHM trades near the cheapest end of its own historical range (P/E 11.4).
See how PHM ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all PHM moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 113.04 | +3.37% | 2.35 |
| Oct 15 | After-hours | 113.08 | +3.41% | 2.37 |
| Oct 7 | Regular | 112.26 | -3.31% | -2.12 |
| Oct 7 | After-hours | 112.33 | -3.25% | -2.08 |
| Oct 2 | Pre-market | 119.94 | +3.09% | 2.08 |
Frequently Asked Questions about PHM
What is the current Pultegroup, Inc. (PHM) stock price?
PHM is trading at $113.55 at the last market close, up 0.50% on the session. PreMarketPrice tracks PHM pre-market, intraday and after-hours prices.
Is PHM stock a buy right now?
PreMarketPrice's quantitative model rates Pultegroup, Inc.'s financial health at 95/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is PHM stock overvalued?
Pultegroup, Inc. trades at a trailing P/E of 11.4 and our valuation score rates it 70/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Pultegroup, Inc. report earnings?
No confirmed earnings date is currently scheduled for PHM. The Earnings section lists recent reports and updates as dates are announced.
What sector does Pultegroup, Inc. operate in?
Pultegroup, Inc. operates in the Industrials sector, within the Operative Builders industry. The Related Stocks section lists sector peers for comparison.
What does Pultegroup, Inc. do?
PulteGroup Inc is a homebuilder in the United States.
About Pultegroup, Inc. (PHM) Stock
Pultegroup, Inc. (PHM) is a US-listed stock operating in the Industrials sector, specifically the Operative Builders industry. As of the latest update, Pultegroup, Inc. is trading at $113.55, up 0.50% on the day with a market capitalization of $21.6 billion. The financial health score for PHM is 95/100, which indicates excellent financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for PHM stock.
PHM Stock Analysis & Key Metrics
On PreMarketPrice, you can track Pultegroup, Inc. (PHM) across multiple dimensions:
- Pre-market price & movement: Real-time PHM stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for PHM with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Pultegroup, Inc. across multiple reporting periods.
- Financial health score: A composite score of 95/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for PHM.
- Sector peers: Compare PHM against 6 other industrials stocks on key financial metrics.
Is PHM a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Pultegroup, Inc. (PHM) as an investment. The financial health score of 95/100 suggests excellent financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Pultegroup, Inc. (PHM) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.