Pultegroup Inc (PHM)
Consumer Discretionary · Homebuilding · US stock · S&P 500 component
$119.48
▲ +6.59 (5.84%)
Fair valueFair
$114 −4.5% to fair value
$57fair band $97–$138$171
Day's range
$109.46 – $119.73
52-week range
$107.16 – $144.50
About Pultegroup Inc
Houses across much of the United States are designed, built and marketed by PulteGroup, a homebuilder. Its brands include Pulte Homes, Centex and Del Webb, which serves active adult communities, so its customers range from first-time purchasers to move-up households and retirees. The company acquires and develops land, constructs homes and also runs a mortgage and title business that helps customers finance and close their purchases.
PulteGroup earns its revenue mostly from the homes it builds and delivers, with a smaller contribution from its mortgage and title services. Revenue was $16.4 billion over the last twelve months and has grown at 2.7% a year across the last three years. The dividend yield is 0.9%. Margin, return and net debt measures are not available on the site for this company. On the site's X-Ray Score it receives 26 out of 100.
Price chart
52-wk range $107.16 – $144.50Volume 3,391,960Daily, split-adjusted
Vitals
Market cap$22.8B
52-week range$107.16 – $144.50
Volume (last day)3,391,960
P/E (TTM)12.2
EBIT / EV yield–
Free-cash-flow yield6.6%
Dividend yield0.9%
Revenue (TTM)$16.4B
Net income (TTM)$1.9B
Operating margin–
Return on capital–
Debt incl. leasesData missing
Cash & securities$1.3B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies that hold large long-term investments). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$114middle half of models $112 – $115
Fair
−4.5% to fair value
Average of the 4 valuation models that pass our checks: multiples, discounted cash flow, dividend discount and earnings power value. A model more than 100% above or 60% below the price is left out as unrealistic. Model uncertainty is Medium, based on how far apart the models are. Undervalued or Overvalued means the gap to fair value is more than 17.5%.
Price $119
Undervalued < $97Fair $97 – $138Overvalued > $138
P/E multiple
$113
P/B multiple
$120
P/S multiple
$110
EV/revenue multiple
$113
Dividend discount, stable · not used
$36
Dividend discount, multi-stage · not used
$44
A model estimate, not a price target or recommendation. Inputs: risk-free 5.13%, equity risk premium 4.30% (Damodaran). How it works.
What this means
Weak business, fairly priced
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Consumer Discretionary peers. Open a lens to see the numbers behind it.
Strong: 70 to 100Fair: 50 to 69Weak: under 50No score: not enough data
Valuation
Weak
44/100
Expensive against its sector on earnings and cash flow.
See the numbers →
Free-cash-flow yield6.6%
Fair value vs price1.0×
Growth
Weak
33/100
Growing slower than most of its sector.
See the numbers →
Revenue growth (3y)2.7%
EPS growth (3y)0.3%
Growth consistency40%
Profitability
Weak
8/100
Earns lower returns on its capital than most peers.
See the numbers →
Financial health
Weak
9/100
Balance sheet is more stretched than most peers.
See the numbers →
Piotroski F-Score4 / 9
Dividends
Weak
49/100
Dividend is modest or less certain than peers.
See the numbers →
Dividend yield0.9%
Dividends vs free cash flow13%
Dividend growth7.0%
Quarterly results: last 6 quarters
-1.4%
Mar '25
-4.3%
Jun '25
-1.6%
Sep '25
-6.3%
Dec '25
-12.4%
Mar '26
-9.6%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $4.0B, diluted EPS $2.48.
Compare with peers
DHI Horton D R Inc43 LEN Lennar Corp33 NVR Nvr Inc25Other Homebuilding companies by X-Ray Score.
SWOT analysis: Pultegroup Inc
Strengthsinside the company
- Free cash flow equals 6.6% of the market value, which funds dividends, buybacks or debt paydown.
Weaknessesinside the company
- No clear weakness in the figures we track.
Opportunitiesvaluation and setting
- Trades at 11.9x earnings, 21% below the 15.1x median of industry peers.
Threatsvaluation and setting
- Revenue growth slowed to -3.5% last year from 2.7% a year over three years.
- Earnings in Homebuilding follow the industry cycle, so margins and profits can swing from year to year.
Written by fixed rules from the figures on this page and the peer table below: filings, our fair value, the sector climate and the price trend. It summarises the data, it is not a forecast or advice.
Compare PHM with peers and sector
Medians of 3 Homebuilding peers and of 46 Consumer Discretionary stocks in our universe.
Largest peers (X-Ray Score): DHI 43, LEN 33, NVR 25.
| Metric | PHM | Peers | Sector |
|---|---|---|---|
| X-Ray Score (out of 100) | 26 | 33 | 51 |
| Valuation | 44 | 63 | 49 |
| Growth | 33 | 16 | 53 |
| Profitability | 8 | 19 | 52 |
| Financial health | 9 | – | 50 |
| Dividends | 49 | – | 52 |
Sector leaders: highest X-Ray Score in Consumer Discretionary
PHM ranks #46 of 47 in Consumer Discretionary and #3 of 4 in Homebuilding by X-Ray Score. A higher score is stronger on our five pillars; it is a ranking of facts, not a forecast.
Green means better than the peer median, red worse (only where a higher or lower figure is clearly better). A dash means too few companies report the figure. P/E, EV/EBITDA and price changes are not graded: a different level is not good or bad by itself.
Factor ratings for PHM
Each factor is rated by where PHM stands among the 47 Consumer Discretionary stocks in our universe.
Rating against the sector
Goodthe top third of these stocks
Averagethe middle third of these stocks
Badthe bottom third of these stocks
"Beats" is the share of those stocks it is ahead of.
Against its own history
The last columns set today's figure against the company's own median of its last five financial years:
▲ Betterbetter than its usual level
▼ Worseworse than its usual level
≈ In linewithin its usual range
For valuation factors Good means cheaper than most of the sector and Better means cheaper than usual for this company, which is not the same as a bargain.
In total: 4 Good · 4 Average · 6 Bad of 14
Growth: 0 · 1 · 2
Profitability: 0 · 1 · 1
Financial strength: 0 · 0 · 1
Valuation: 3 · 1 · 0
Cash flow: 1 · 1 · 2
| Factor | PHM | Rating | Sector median | Own 5-year median | Against own history |
|---|---|---|---|---|---|
| Growth | |||||
| Revenue growth, 3 years a year | +2.7% | Bad beats 19% | +6.5% | – | – |
| Revenue growth, last year | −3.5% | Bad beats 5% | +4.9% | +11.7% | ▼ Worse |
| EPS growth, 3 years a year | +0.3% | Average beats 40% | +4.0% | – | – |
| Profitability | |||||
| Net margin | 11.6% | Average beats 53% | 11.4% | 16.2% | ▼ Worse |
| Return on equity | 14.6% | Bad beats 24% | 35.3% | 25.4% | ▼ Worse |
| Financial strength | |||||
| Piotroski F-score | 4 / 9 | Bad beats 9% | 6 / 9 | – | – |
| Valuation | |||||
| P/E ratio | 11.9x | Good beats 88% | 21.1x | 7.6x | ▼ Worse |
| Price / book | 1.7x | Good beats 88% | 7.2x | 1.9x | ≈ In line |
| Price / sales | 1.4x | Good beats 67% | 2.1x | 1.3x | ≈ In line |
| Free cash flow yield | 6.6% | Average beats 65% | 4.3% | 6.8% | ≈ In line |
| Cash flow | |||||
| Free cash flow margin | 9.2% | Average beats 40% | 10.8% | 8.7% | ≈ In line |
| Cash from operations / net income | 0.85 | Bad beats 8% | 1.37 | 0.55 | ▲ Better |
| Free cash flow growth, 3 years a year | +46.5% | Good beats 90% | +12.1% | – | – |
| Accruals (lower is better) | +1.5% | Bad beats 8% | −5.3% | – | – |
These ratings compare companies with each other and describe the past; they are not a forecast, a recommendation or part of the X-Ray Score. A factor is left out when its data is missing or meaningless (for example a P/E on negative earnings). A dash in the history columns means fewer than three usable years.
Fundamentals checklist
● 1 Good · ● 2 Average · ● 5 BadCash quality
Earnings backed by cashBad
Free-cash-flow yieldAverage
Risk models
Piotroski F-ScoreBad
Growth
EPS growth (3y)Average
Free-cash-flow growth (3y)Good
Revenue growth (3y)Bad
Growth consistencyBad
Balance sheet
Valuation
Fair value vs priceBad
Profitability
Each check is graded against the company's sector, not a fixed number. Checklist score 33/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $13.7B | $16.0B | $16.1B | $17.9B | $17.3B |
| Operating income | – | – | – | – | – |
| Net income | $1.9B | $2.6B | $2.6B | $3.1B | $2.2B |
| Operating cash flow | $1.0B | $668M | $2.2B | $1.7B | $1.9B |
| Operating margin | – | – | – | – | – |
| Free cash flow | $931M | $556M | $2.1B | $1.6B | $1.7B |
| Diluted EPS | $7.43 | $11.01 | $11.72 | $14.69 | $11.12 |
Fiscal years, from SEC filings.
Technical summary
Daily
Neutral
6 bullish · 2 neutral · 8 bearish
Weekly
Bearish
4 bullish · 1 neutral · 7 bearish
Monthly
Bullish
5 bullish · 1 neutral · 2 bearish
Moving averages (daily)
| SMA 10 | 112.9 | Bullish |
| EMA 10 | 114.2 | Bullish |
| SMA 20 | 114.5 | Bullish |
| EMA 20 | 114.9 | Bullish |
| SMA 50 | 120.0 | Bearish |
| EMA 50 | 118.5 | Bullish |
| SMA 100 | 123.5 | Bearish |
| EMA 100 | 121.0 | Bearish |
| SMA 200 | 123.8 | Bearish |
| EMA 200 | 121.8 | Bearish |
Oscillators (daily)
| RSI (14) | 56.32 | Neutral |
| MACD (12, 26) | -1.52 | Bearish |
| Momentum (12) | 2.91 | Bullish |
| Stochastic %K (14) | 98.01 | Bearish |
| Williams %R (14) | -1.99 | Bearish |
| CCI (20) | 54.38 | Neutral |
Pivot points (classic, last session)
S3 102.4 | S2 105.9 | S1 112.7 | Pivot 116.2 | R1 123.0 | R2 126.5 | R3 133.3 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
1.04 USD
Yield on today's price
0.87%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 0.2600 | |
| 0.2600 | |
| 0.2600 | |
| 0.2600 | |
| 0.2200 | |
| 0.2200 | |
| 0.2200 | |
| 0.2200 | |
| 0.2000 | |
| 0.2000 | |
| 0.2000 | |
| 0.2000 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
ETFs that hold PHM
| ETF | Share of the fund |
|---|---|
| ITB iShares U.S. Home Construction | 9.55% |
| NAIL Direxion Daily Homebuilders & Supplies... | 7.90% |
| XHB SPDR S&P Homebuilders | 3.43% |
| RDVY First Trust Rising Dividend Achievers | 1.33% |
| ASCE Allspring SMID Core | 1.31% |
| RDVI FT Cboe Vest Rising Dividend Achievers... | 1.22% |
| VLUE iShares MSCI USA Value Factor | 0.67% |
| FMDE Fidelity Enhanced Mid Cap | 0.67% |
The eight funds with the largest weight in PHM among the ETFs we cover, from each fund's latest SEC Form N-PORT (quarter-end positions, so they can be months old). All ETFs.
PHM stock splits
PHM has split its stock 3 times since 1998. The latest was a 2-for-1 split on 2 Sep 2005.
Full PHM stock split history →PHM SEC filings
10-QSEC EDGAR
Quarterly report
8-KSEC EDGAR
Results of operations
8-KSEC EDGAR
Entered a material agreement
10-QSEC EDGAR
Quarterly report
8-KSEC EDGAR
Results of operations
8-KSEC EDGAR
Shareholder vote results
10-QSEC EDGAR
Quarterly report
8-KSEC EDGAR
Results of operations; Other events
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.