WATCH PulteGroup, Inc. (PHM)
Consumer Cyclical · Residential Construction · NYQ · United States
63
Final Score
-18.9%
Margin of Safety
84
Quality Score
$124.91
Current Price
$23.8B
Market Cap
Key Metrics
Pe Ratio
12.08
Forward Pe
11.18
Pb Ratio
1.84
Ev Ebitda
8.17
Roe
16.2%
Gross Margin
26.1%
Operating Margin
13.1%
Net Margin
12.1%
Dividend Yield
85.0%
Debt To Equity
18.94
Current Ratio
7.14
Beta
1.22
📈 Trend Charts
Revenue Trend
EPS Trend
Net Income Trend
Free Cash Flow Trend
Intrinsic Value Estimates
Low
$84.07
Base
$105.08
High
$126.10
Pipeline Stage Details
Stage A — Hard Filters ✅
Pe Ratio
12.08
Eps Positive Years
4.00
Eps Lookback
4.00
Fcf Positive Years
4.00
Fcf Lookback
4.00
Debt To Equity
0.19
Current Ratio
7.14
Dilution Cagr
-0.05
Stage B — Quality Score: 84/100
Stage C — Cyclicality: LOW
Normalized EPS
$12.13
Stage F — Final Score Breakdown
| Component | Weighted Score |
|---|---|
| Valuation | 3.0 |
| Earnings Quality | 20.9 |
| Balance Sheet | 18.0 |
| Stability | 12.0 |
| Moat Proxies | 9.0 |
Top Drivers
- Exceptional business quality (score 84/100): consistent profitability, strong returns on capital, and stable margins — hallmarks of a Buffett-style competitive moat.
- Reasonable P/E of 12.1x — below long-run market average (~15-17x), suggesting the stock is not overpriced.
- High ROIC of 17.1% — the business earns well above its cost of capital, indicating a strong competitive advantage and efficient capital allocation (Buffett seeks ROIC > 12%).
- Fortress balance sheet: D/E of 0.19x (conservative) and current ratio of 7.14x — ample liquidity and low financial risk. Graham emphasis on capital preservation.
- Strong free cash flow generation — the company converts earnings into real cash effectively, supporting dividends, buybacks, and debt reduction.
Top Risks
- No significant risks identified in this analysis.
Financial History
| Year | Revenue | Gross Profit | Operating Income | Net Income | EPS |
|---|---|---|---|---|---|
| 2021 | N/A | N/A | N/A | N/A | $N/A |
| 2022 | $16.0B | $4.8B | $3.4B | $2.6B | $11.01 |
| 2023 | $16.1B | $4.7B | $3.4B | $2.6B | $11.72 |
| 2024 | $17.9B | $5.2B | $3.9B | $3.1B | $14.69 |
| 2025 | $17.3B | $4.6B | $3.0B | $2.2B | $11.12 |
Cash Flow History
| Year | Operating CF | CapEx | Free Cash Flow |
|---|---|---|---|
| 2021 | N/A | N/A | N/A |
| 2022 | $668.5M | $-112.7M | $555.8M |
| 2023 | $2.2B | $-92.2M | $2.1B |
| 2024 | $1.7B | $-118.5M | $1.6B |
| 2025 | $1.9B | $-122.7M | $1.7B |