PulteGroup

US · PHM #869 by market cap Listed 1970

112.33 -3.77 -3.25%

Live - 5344 symbols - heartbeat 374s ago · 2026-10-08 04:01

Pre-market 111.98 -0.31%

After-hours 112.33 0.00%

Overnight 111.98 -0.31%

Market cap: 21.06B
P/E (TTM): 11.47
P/B: 1.62
EPS: 11.12
Div yield: 0.89%
52W pos: 12%

Reader sentiment Are you bullish or bearish on PHM?

Anonymous reader poll. Unscientific, not investment advice.

✦ Quant Financial Health how this is computed

Good

Altman Z-Score is 5.80, above the 3.0 "safe zone" threshold.
Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.

Revenue annual, last 8 years

Latest year -3.54% YoY

Margins

Gross margin: 26.41%
Operating margin: 17.21%
Net margin: 12.82%

Key ratios & quality

Altman Z-Score: 5.80

Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.

Income statement

Line item	2018	2019	2020	2021	2022	2023	2024	2025
Revenue	10.19B	10.21B	11.04B	13.74B	16.00B	16.06B	17.95B	17.31B
Gross profit	2.37B	2.40B	2.78B	3.78B	4.83B	4.72B	5.22B	4.57B
Selling & admin expenses	1.01B	1.04B	1.01B	1.21B	1.38B	1.31B	1.32B	1.57B
Research & development	--	--	--	--	--	--	--	--
Operating profit	1.35B	1.34B	1.75B	2.56B	3.44B	3.40B	3.89B	2.98B
Pretax profit	1.35B	1.34B	1.73B	2.51B	3.44B	3.45B	4.01B	2.91B
Tax	325.52M	322.88M	321.86M	563.53M	822.24M	846.90M	922.62M	692.59M
Net profit	1.02B	1.02B	1.41B	1.95B	2.62B	2.60B	3.08B	2.22B
Basic EPS	4	4	5	7	11	12	15	11
Diluted EPS	3.55	3.66	5.18	7.43	11.01	11.72	14.69	11.12

Line item	2025-03	2025-06	2025-09	2025-12	2026-03	2026-06
Revenue	3.89B	4.40B	4.40B	4.61B	3.41B	3.98B
Gross profit	1.07B	1.20B	1.16B	1.14B	822.11M	997.52M
Selling & admin expenses	393.34M	390.45M	400.68M	389.46M	380.33M	382.97M
Research & development	--	--	--	--	--	--
Operating profit	671.91M	805.45M	761.31M	739.91M	440.36M	613.14M
Pretax profit	681.14M	807.16M	767.79M	655.24M	449.40M	622.44M
Tax	158.34M	198.67M	181.95M	153.62M	102.40M	150.44M
Net profit	522.80M	608.48M	585.83M	501.62M	347.00M	472.00M
Basic EPS	3	3	3	3	2	2
Diluted EPS	2.57	3.03	2.96	2.56	1.79	2.48

Balance sheet

Line item	2018	2019	2020	2021	2022	2023	2024	2025
Total current assets	9.58B	10.14B	11.64B	12.71B	14.10B	15.37B	16.58B	17.37B
Cash & ST investments	1.57B	1.73B	3.15B	2.73B	1.73B	2.32B	2.24B	2.59B
Inventory	7.25B	7.68B	7.72B	9.05B	11.33B	11.80B	12.67B	12.91B
Total assets	10.17B	10.72B	12.21B	13.35B	14.80B	16.09B	17.36B	18.05B
Total current liabilities	670.75M	778.83M	1.01B	1.62B	1.60B	1.56B	1.50B	1.37B
Short-term debt	--	--	--	--	--	--	--	--
Long-term debt	3.38B	3.09B	3.16B	2.66B	2.63B	2.46B	2.15B	2.16B
Total liabilities	5,355,194,000.00	5,257,417,000.00	5,635,509,000.00	5,863,116,000.00	5,882,417,000.00	5,703,793,000.00	5,241,799,000.00	5,062,981,000.00
Total equity	4.82B	5.46B	6.57B	7.49B	8.91B	10.38B	12.12B	12.99B
Retained earnings	1.61B	2.22B	3.31B	4.20B	5.58B	7.01B	8.69B	9.49B

Line item	2025-03	2025-06	2025-09	2025-12	2026-03	2026-06
Total current assets	14.88B	15.06B	15.32B	17.37B	15.65B	15.64B
Cash & ST investments	1.88B	1.82B	1.94B	2.59B	2.32B	1.89B
Inventory	12.96B	13.22B	13.35B	12.91B	13.30B	13.72B
Total assets	17.34B	17.59B	17.85B	18.05B	18.20B	18.26B
Total current liabilities	2.52B	2.43B	2.51B	1.37B	2.51B	2.49B
Short-term debt	--	--	--	--	--	--
Long-term debt	2.05B	2.12B	2.03B	2.16B	2.28B	2.30B
Total liabilities	5,035,574,000.00	5,012,869,000.00	5,024,942,000.00	5,062,981,000.00	5,241,828,000.00	5,249,459,000.00
Total equity	12.30B	12.57B	12.83B	12.99B	12.95B	13.01B
Retained earnings	8.85B	9.11B	9.35B	9.49B	9.44B	9.49B

Cash flow

Line item	2018	2019	2020	2021	2022	2023	2024	2025
Operating cash flow	1.45B	1.08B	1.78B	1.00B	668.47M	2.20B	1.68B	1.87B
Depreciation & amortization	49.43M	54.00M	66.08M	69.95M	70.92M	80.82M	89.16M	112.51M
Free cash flow	1.39B	1.02B	1.73B	931.24M	555.81M	2.10B	1.56B	1.75B
Dividends paid	-104.02M	-122.35M	-130.18M	-147.83M	-144.12M	-142.46M	-167.71M	-176.68M
Stock buybacks / issuance	-302.48M	-285.78M	-185.53M	-908.15M	-1.09B	-1.01B	-1.22B	-1.22B
Ending cash balance	1.13B	1.25B	2.63B	1.83B	1.09B	1.85B	1.65B	2.01B

Line item	2025-03	2025-06	2025-09	2025-12	2026-03	2026-06
Operating cash flow	134.23M	287.51M	678.39M	771.13M	159.75M	17.05M
Depreciation & amortization	24.67M	25.05M	25.84M	36.96M	24.54M	25.40M
Free cash flow	104.62M	252.97M	651.13M	739.81M	134.36M	-12.85M
Dividends paid	-45.82M	-44.26M	-43.58M	-43.03M	-52.04M	-49.79M
Stock buybacks / issuance	-323.42M	-300.34M	-300.54M	-300.03M	-345.00M	-374.23M
Ending cash balance	1.28B	1.27B	1.48B	2.01B	1.84B	1.38B

Returns & efficiency

Line item	2018	2019	2020	2021	2022	2023	2024	2025
ROE %	22.53	19.59	23.19	27.45	31.71	26.87	27.40	17.67
ROA %	10.18	9.64	12.17	15.10	18.48	16.79	18.43	12.53
ROIC %	12.73	11.81	15.08	19.23	23.77	20.73	22.24	14.74
5-year avg ROE %	13.10	15.03	17.61	20.56	24.89	25.76	27.33	26.22
EBIT margin %	13.23	13.12	15.70	18.03	21.20	21.48	22.32	16.82
FCF / sales %	13.65	9.98	15.64	6.69	3.42	13.10	8.70	10.10
Current ratio	14.29	13.02	11.50	7.85	8.82	9.87	11.08	12.64
Quick ratio	2.86	2.54	3.38	1.86	1.25	1.64	1.67	2.08
Debt / assets	33.19	29.70	26.67	20.58	18.40	15.87	12.98	12.73
LT debt / equity	70.08	58.32	49.55	36.69	30.54	24.59	18.60	17.69
Interest coverage	2,181.49	2,294.79	407.94	5,000.69	12,112.12	7,355.51	8,364.00	4,813.10
Revenue CAGR (3Y) %	19.42	9.98	8.76	10.47	16.15	13.32	9.32	2.66
Net income CAGR (3Y) %	27.41	19.04	46.52	23.95	37.05	22.76	16.57	-5.36
FCF CAGR (3Y) %	--	227.51	39.85	-12.48	-18.27	6.83	18.82	46.53

Line item	2025-03	2025-06	2025-09	2025-12	2026-03	2026-06
ROE %	25.52	23.05	21.57	17.67	16.18	14.90
ROA %	17.40	16.07	15.11	12.53	11.50	10.64
ROIC %	21.03	19.65	18.19	14.74	13.57	12.46
5-year avg ROE %	--	--	--	--	--	--
EBIT margin %	21.35	20.22	19.52	16.82	15.93	15.21
FCF / sales %	8.11	7.45	8.81	10.10	10.57	9.22
Current ratio	5.90	6.20	6.11	12.64	6.24	6.28
Quick ratio	0.75	0.75	0.77	2.08	0.92	0.76
Debt / assets	11.84	12.06	11.36	12.73	12.51	12.58
LT debt / equity	16.69	16.87	15.81	17.69	17.57	17.66
Interest coverage	7,777.73	6,947.05	6,087.39	4,813.10	4,174.80	4,111.15
Revenue CAGR (3Y) %	--	--	--	--	--	--
Net income CAGR (3Y) %	--	--	--	--	--	--
FCF CAGR (3Y) %	--	--	--	--	--	--

✦ Quant Revenue Concentration how this is computed

Diversified

Homebuilding Florida is the largest reported line at 26.31% of revenue, across 8 reported segments.
No single line clears half of revenue; Homebuilding West is next at 19.59%, spreading the business across more than one real driver.

Revenue breakdown most recent period

Business

Homebuilding Florida26.31%

Homebuilding West19.59%

Homebuilding Southeast17.49%

Homebuilding Midwest15.97%

Homebuilding Texas10.31%

Homebuilding Northeast5.88%

Financial services2.43%

Other homebuilding2.02%

Quote time 2026-10-08 04:01:04 · For reference only, not investment advice and not tailored to your situation.