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PHM · NYSE · United States · Operative Builders
In shortPULTEGROUP INC/MI/ is profitable, generates cash and holds more cash than debt, with revenue shrinking (−3.5% last year).
Financial health
Strong
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 12.8% | 71/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 17.7% | 88/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | – | n/a |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | – | n/a |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 0.00× | 100/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | Net cash | 100/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | – | n/a |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | – | n/a |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 10.1% | 60/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 0.79× | 61/100 |
| Years with positive free cash flow (last 5) | 5 of 5 | 100/100 |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 1 of 5 | 67/100 |
| Revenue growth volatility | 11.5% | 68/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 2.7% | 31/100 |
|---|---|---|
| EPS growth, 3-year average | 0.3% | 27/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 13,737 | 16,003 | 16,062 | 17,947 | 17,312 |
| Selling, general & admin | 1,209 | 1,381 | 1,313 | 1,321 | 1,574 |
| Interest expense | 0.5 | 0.3 | 0.5 | 0.5 | 0.6 |
| Pre-tax income | 2,510 | 3,440 | 3,449 | 4,006 | 2,911 |
| Income tax | 564 | 822 | 847 | 923 | 693 |
| Net income | 1,946 | 2,617 | 2,602 | 3,083 | 2,219 |
| Diluted EPS | $7.43 | $11.01 | $11.72 | $14.69 | $11.12 |
| Diluted shares (millions) | 260 | 236 | 221 | 210 | 200 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
Not computed: a required balance-sheet item is missing.
3/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Sep 30, 2026 · Data updated Oct 22, 2026