Consumer Discretionary · Homebuilding · US stock · price as of 22 Oct 2026
Key indicators
Price
$119.48
52-week range
$107.16 – $144.50
Market cap
$22.8B
P/E (trailing)
12.2×
EV / EBITDA
–
Free-cash-flow yield
6.6%
Dividend yield
0.9%
Revenue (last 12 months)
$16.4B
Revenue growth (3y a year)
2.7%
Operating margin
–
Return on invested capital
–
Net debt / EBITDA
–
Fair value
Fair value (average of valid models)$114.11 middle half of models $112 – $115
Versus priceFair−5% to fair value
P/E multiple
$112.85
P/B multiple
$120.33
P/S multiple
$110.11
EV/revenue multiple
$113.14
Model uncertainty
Medium
X-Ray Score
26/ 100 · Low confidence · ahead of 2% of sector peers
Valuation44
Growth33
Profitability8
Financial health9
Dividends49
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
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.
StocksXray gives Pultegroup Inc an X-Ray Score of 26 out of 100 (low confidence), ahead of 2% of the S&P 500 stocks in its sector. Its strongest lens is dividends (49) and its weakest is profitability (8).
Our fair value (the average of the valid models) is $114.11 (range $112.16 to $114.94). At $119.48 the stock trades 5% above that value, so the label is "Fair" with medium model uncertainty. Fair value is a range, not a price target.
XStocksXray
Pultegroup Inc (PHM)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$54.69
$44.17
$101.05
$107.34
$116.51
$119.48
Market cap
$14.2B
$10.4B
$22.3B
$22.5B
$23.2B
$22.8B
P/E
7.4×
4.0×
8.6×
7.3×
10.5×
12.2×
EV / revenue
0.9×
0.6×
1.3×
1.2×
1.2×
1.3×
EV / EBITDA
–
–
–
–
–
–
Price / free cash flow
15.3×
18.8×
10.6×
14.4×
13.3×
15.1×
Free-cash-flow yield
6.6%
5.3%
9.4%
6.9%
7.5%
6.6%
Price / book
1.9×
1.2×
2.2×
1.9×
1.8×
1.7×
Dividend yield
1.04%
1.38%
0.67%
0.76%
0.79%
0.87%
Fundamentals checklist ● 1 Good · ● 2 Average · ● 5 Bad · each check graded against the sector
Cash quality
Earnings backed by cash1.5%Bad
Free-cash-flow yield6.6%Average
Risk models
Piotroski F-Score4 of 9Bad
Growth
EPS growth (3y)0.3%Average
Free-cash-flow growth (3y)46.5%Good
Revenue growth (3y)2.7%Bad
Growth consistency40%Bad
Valuation
Fair value vs price1.0×Bad
XStocksXray
Pultegroup Inc (PHM)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
13,737
16,003
16,062
17,947
17,312
16,407
Gross profit
–
–
–
–
–
–
Operating income
–
–
–
–
–
–
Net income
1,946
2,617
2,602
3,083
2,219
1,906
Diluted EPS ($)
7.43
11.01
11.72
14.69
11.12
9.76
Free cash flow
931
556
2,105
1,562
1,749
1,512
Gross margin
–
–
–
–
–
–
Operating margin
–
–
–
–
–
–
Net margin
14.2%
16.4%
16.2%
17.2%
12.8%
11.6%
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
13,353
14,797
16,087
17,364
18,048
18,263
Cash
1,779
1,053
1,807
1,613
1,981
1,336
Total debt
64
77
74
31
44
–
Equity
7,490
8,914
10,383
12,122
12,985
13,014
Dividend per share ($)
0.57
0.61
0.68
0.82
0.92
1.00
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value is the average of up to 15 valuation models, most of them anchored to the company's own multiples, so it stays near the price and should be read as a range, not a point. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.
