PulteGroup, Inc. (PHM) AI Stock Analysis

Founded in 1950 and headquartered in Atlanta, Georgia, PulteGroup, Inc., acquires and develops residential land and builds homes across the United States. Its housing portfolio covers single-family detached homes, townhomes, condominiums, and duplexes marketed under brands such as Centex, Pulte Homes, Del Webb, DiVosta Homes, American West, and John Wieland Homes and Neighborhoods. As of December 31, 2022, the company controlled 211,112 lots, consisting of 108,848 owned outright and 102,264 under land option agreements. PulteGroup also provides financial services, including mortgage loan origination, sales of servicing rights, and title examination and closing services.

Between FY2020 and FY2025, PulteGroup achieved a 5-year revenue CAGR of 9.4%. Revenue climbed from $13.93B in FY2021 to $16.23B in FY2022, remained at $16.06B in FY2023, and peaked at $17.95B in FY2024 with a net margin of 17.2%. In FY2025, revenue declined 3.5% to $17.31B, while net income fell to $2.22B, delivering diluted EPS of $11.44 and an operating margin of 17.3%. Over the trailing twelve months, revenue reached $16.41B with a profit margin of 11.6%. In the latest quarter ended June 30, 2026, quarterly revenue dropped 9.6% year-over-year and quarterly earnings fell 18.2%.

As of June 30, 2026, PulteGroup held $1.89B in cash and short-term investments against total debt of $2.30B, resulting in net debt of $412.8M. Total assets stood at $18.26B and shareholders' equity was $13.01B, supporting a current ratio of 5.27 and a debt-to-equity ratio of 0.18. In FY2025, the company generated $1.87B in operating cash flow, directing $122.7M toward capital expenditures. Capital allocation prioritized shareholder returns, with $1.22B spent on share buybacks and $176.7M on dividends paid.

At a last close of $113.55 on October 16, 2026, PulteGroup had a market capitalization of $21.63B and an enterprise value of $23.03B. PHM trades at a trailing P/E of 11.6x and a forward P/E of 11.2x, lower than the median of its S&P 500 Consumer Cyclical peers of 20.1x and 15.7x, respectively. Its EV/EBITDA of 8.8x is also below the peer median of 13.8x. Over the past year, PHM delivered a return of -7.6%, lagging the S&P 500 (SPY) return of 16.8%, but its 5-year return of 145.8% outpaced SPY's 83.0%.

PulteGroup pays a quarterly dividend with a forward annual payout of $1.04 per share, translating to a dividend yield of 0.92%. The payout ratio is 10.3%, and the company has paid dividends for 14 consecutive years. Over the past 5 years, the dividend has grown at an annualized rate of 13.0%. The most recent ex-dividend date was September 15, 2026.

Wall Street coverage consists of 8 Strong Buy, 2 Buy, 7 Hold, 0 Sell, and 1 Strong Sell ratings. The mean price target is $135.35, representing an upside of 19.2% above the last close of $113.55. For the current fiscal year ending December 31, 2026, consensus estimates project EPS of $10.04 on revenue of $16.32B. For the next fiscal year, 14 analysts expect EPS of $10.85 on revenue of $16.79B. PulteGroup beat EPS estimates in 3 of the last 4 quarters, with its next earnings date set for October 22, 2026.

This page is an AI-written research summary of PulteGroup, Inc. (PHM). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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