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PHMPulteGroup, Inc.
$129.92$25.0B
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  4. Financial Ratios

PulteGroup, Inc. (PHM) Financial Ratios

Latest Ratios: P/E Ratio 11.7x · EV/EBITDA 8.2x · ROE 17.7%. (1996–2025 historical series)

Income StatementBalance SheetCash FlowRatios
AnnualQuarterly

PHM Valuation Multiples

Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Market Cap$25.0B$23.4B$22.9B$22.8B$10.8B$14.9B$11.6B$10.7B$7.4B$10.2B$6.3B
Enterprise Value$25.4B$23.8B$23.5B$23.6B$12.5B$15.8B$12.3B$12.7B$9.6B$13.3B$9.0B
P/E Ratio →11.6810.547.418.814.147.698.3210.607.2423.0910.50
P/S Ratio1.441.351.271.420.671.081.051.050.731.190.82
P/B Ratio2.001.801.892.201.211.981.771.961.542.461.35
P/FCF14.2813.3814.6310.8519.3515.956.7310.485.3216.17217.02
P/OCF13.3412.5013.5910.3916.0914.806.519.915.1115.3992.11

P/E links to full P/E history page with 30-year chart

PHM EV Ratios

Enterprise-value multiples — capital-structure-neutral measures of total business value

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
EV / Revenue—1.371.311.470.781.151.121.240.951.561.18
EV / EBITDA8.157.655.926.793.556.036.799.116.9113.238.76
EV / EBIT8.468.175.876.843.636.317.109.477.1614.209.66
EV / FCF—13.6115.0711.2122.4417.017.1312.446.9421.14311.51

PHM Profitability

Margins and return-on-capital ratios measuring operating efficiency

Margins

Full margin charts and quarterly trend are on the Earnings History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Gross Margin26.4%26.4%29.1%29.4%30.2%27.5%25.2%23.5%23.3%21.7%25.4%
Operating Margin17.3%17.3%21.7%21.1%21.5%18.6%15.8%13.1%13.2%11.2%12.7%
Net Profit Margin12.8%12.8%17.2%16.2%16.4%14.2%12.7%10.0%10.0%5.2%7.9%

Return on Capital

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
ROE17.7%17.7%27.4%27.0%31.9%27.7%23.4%19.8%22.8%10.1%12.8%
ROA12.5%12.5%18.4%16.9%18.6%15.2%12.3%9.7%10.3%4.5%6.2%
ROIC17.2%17.2%24.3%23.4%27.0%24.4%17.8%13.8%14.1%9.8%10.7%
ROCE20.0%20.0%28.2%27.6%32.3%27.3%20.2%16.6%18.0%12.9%13.6%

PHM Leverage & Debt

Solvency and debt-coverage ratios — lower is generally safer

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Debt / Equity0.190.190.190.250.320.380.510.600.700.830.74
Debt / EBITDA0.770.770.590.750.801.071.832.342.423.423.36
Net Debt / Equity—0.030.060.070.190.130.110.370.470.760.59
Net Debt / EBITDA0.130.130.170.220.490.370.381.441.613.112.66
Debt / FCF—0.230.440.373.091.060.401.971.614.9794.48
Interest Coverage4812.104812.108364.007355.5112112.125000.69407.942294.792181.491867.461362.30

PHM Liquidity & Efficiency

Short-term solvency ratios and asset-utilisation metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Current Ratio5.915.915.724.874.103.263.403.933.853.153.17
Quick Ratio0.880.880.790.760.470.620.910.620.630.210.38
Cash Ratio0.780.780.590.610.340.510.810.520.490.120.29
Asset Turnover—0.961.031.001.081.030.900.951.000.890.75
Inventory Turnover0.990.990.930.910.941.051.030.981.040.900.82
Days Sales Outstanding—5.615.154.754.966.446.634.726.964.266.14

PHM Shareholder Yields

Earnings, FCF, buyback, and dividend yields — total returns to shareholders

Dividends

Full dividend history and growth charts are on the Dividend History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Dividend Yield0.7%0.8%0.7%0.6%1.3%1.0%1.1%1.1%1.4%1.1%2.0%
Payout Ratio8.0%8.0%5.4%5.5%5.5%7.6%9.3%12.0%10.2%25.2%20.7%

Total Shareholder Return Metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Earnings Yield8.6%9.5%13.5%11.4%24.2%13.0%12.0%9.4%13.8%4.3%9.5%
FCF Yield7.0%7.5%6.8%9.2%5.2%6.3%14.9%9.5%18.8%6.2%0.5%
Buyback Yield4.9%5.2%5.3%4.4%10.1%6.1%1.6%2.7%4.1%9.0%9.6%
Total Shareholder Yield5.6%6.0%6.1%5.1%11.5%7.1%2.7%3.8%5.5%10.1%11.6%
Shares Outstanding—$200M$210M$221M$236M$260M$269M$275M$285M$307M$342M

Key Metrics

Growth RegimeContracting
ProfitabilityStrained
Balance SheetHealthy
Cash FlowDeteriorating
Top Statement Risk

Cyclical demand sensitivity

Verified Source

Metrics are mathematically derived from official filings.

SEC 10-K (2026Q1)

Market Pricing Reflects Cyclical Uncertainty

According to current market data, PulteGroup trades at a P/E of 12.38, which, when compared to its historical averages and peer group, suggests that investors are pricing in a significant deceleration in earnings growth rather than the premium valuation typically afforded to its specialized Del Webb brand.

The forward P/E of 13.76 implies that the market expects earnings to remain under pressure as the company navigates a cooling housing market. This valuation discount relative to luxury-focused peers like NVR suggests that the market remains skeptical of the company's ability to maintain its current margin profile in a high-interest-rate environment.

Capital Efficiency Facing Downward Pressure

Based on reported financial figures, PulteGroup's ROIC has trended downward from 6.9% in 2024Q4 to 2.5% in 2026Q1, indicating that the company is struggling to maintain its historical compounding efficiency as the broader residential construction cycle faces significant headwinds in its core Sunbelt markets.

The decline in ROIC appears driven by both contracting operating margins and a less efficient utilization of invested capital as the company manages its inventory levels. Investors should monitor whether this trend represents a structural decay in returns or a temporary byproduct of the current inventory-heavy operational strategy.

Working Capital Velocity Remains Strained

As reported in recent quarterly filings, PulteGroup's days inventory outstanding reached 456 days in 2026Q1, a significant increase from 341 days in 2024Q4, which suggests that the company's ability to convert its land and construction pipeline into cash is slowing down considerably compared to historical norms.

The lengthening of the cash conversion cycle indicates that capital is becoming increasingly trapped in work-in-progress inventory, which may necessitate further reliance on land option agreements to preserve liquidity. This inefficiency warrants further investigation into whether the company is over-extending its development pipeline relative to current absorption rates.

Liquidity Buffers Mask Operational Risks

Based on the latest quarterly data, PulteGroup maintains a current ratio of 5.28, which, while appearing robust on the surface, is heavily influenced by high inventory levels that may not be easily liquidated under severe market stress, as indicated by a quick ratio of only 0.79.

The disparity between the current and quick ratios suggests that the company's liquidity position is highly dependent on the successful sale of its housing inventory. Investors should be cautious, as this reliance on inventory turnover means that a sudden drop in demand could rapidly erode the company's apparent financial flexibility.

Misapplication of Debt-to-Equity Metrics

The debt-to-equity ratio of 0.18 is frequently cited as evidence of a fortress balance sheet, yet this metric obscures the significant off-balance-sheet liabilities associated with the company's extensive land option agreements, which effectively function as debt-like commitments to future capital expenditures.

Analysts should instead focus on the 'Land Option Ratio' and total contractual obligations to gain a more accurate picture of the company's true leverage. Relying solely on traditional D/E ratios likely underestimates the financial risk inherent in the company's current land-light strategy during a cyclical downturn.

Download Financial Ratios Data

Includes 30+ ratios · 30 years · Updated daily

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PHM — Frequently Asked Questions

Quick answers to the most common questions about buying PHM stock.

What is PulteGroup, Inc.'s P/E ratio?

PulteGroup, Inc.'s current P/E ratio is 11.7x. The historical average is 10.6x. This places it at the 72th percentile of its historical range.

What is PulteGroup, Inc.'s EV/EBITDA?

PulteGroup, Inc.'s current EV/EBITDA is 8.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 9.3x.

What is PulteGroup, Inc.'s ROE?

PulteGroup, Inc.'s return on equity (ROE) is 17.7%. The historical average is 11.6%.

Is PHM stock overvalued?

Based on historical data, PulteGroup, Inc. is trading at a P/E of 11.7x. This is at the 72th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.

What is PulteGroup, Inc.'s dividend yield?

PulteGroup, Inc.'s current dividend yield is 0.68% with a payout ratio of 8.0%.

What are PulteGroup, Inc.'s profit margins?

PulteGroup, Inc. has 26.4% gross margin and 17.3% operating margin. Operating margin between 10-20% is typical for established companies.

How much debt does PulteGroup, Inc. have?

PulteGroup, Inc.'s Debt/EBITDA ratio is 0.8x, indicating low leverage. A ratio below 2x is generally considered financially healthy.