Consumer Discretionary · Homebuilding · US stock · price as of 16 Oct 2026
Key indicators
Price
$113.55
52-week range
$107.16 – $143.57
Market cap
$21.6B
P/E (trailing)
11.6×
EV / EBITDA
–
Free-cash-flow yield
7.0%
Dividend yield
0.9%
Revenue (last 12 months)
$16.4B
Revenue growth (3y a year)
2.7%
Operating margin
–
Return on invested capital
–
Net debt / EBITDA
–
Fair value
Blended fair value$188.62 book-value models
Versus priceFair+66% to fair value
Peer multiples
$188.62
Model uncertainty
High
X-Ray Score
31/ 100 · Low confidence · ahead of 9% of sector peers
Valuation64
Growth33
Profitability8
Financial health9
Dividends50
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
Houses across much of the United States are designed, built and marketed by PulteGroup, a homebuilder. Its brands include Pulte Homes, Centex and Del Webb, which serves active adult communities, so its customers range from first-time purchasers to move-up households and retirees. The company acquires and develops land, constructs homes and also runs a mortgage and title business that helps customers finance and close their purchases.
PulteGroup earns its revenue mostly from the homes it builds and delivers, with a smaller contribution from its mortgage and title services. Revenue was $16.4 billion over the last twelve months and has grown at 2.7% a year across the last three years. The dividend yield is 0.9%. Margin, return and net debt measures are not available on the site for this company.
StocksXray gives Pultegroup Inc an X-Ray Score of 31 out of 100 (low confidence), ahead of 9% of the S&P 500 stocks in its sector. Its strongest lens is valuation (64) and its weakest is profitability (8).
Our fair value blend is $188.62. At $113.55 the stock trades 40% below that blend, so the label is "Fair" with high model uncertainty. Fair value is a range, not a price target.
XStocksXray
Pultegroup Inc (PHM)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$54.69
$44.17
$101.05
$107.34
$116.51
$113.55
Market cap
$14.2B
$10.4B
$22.3B
$22.5B
$23.2B
$21.6B
P/E
7.4×
4.0×
8.6×
7.3×
10.5×
11.6×
EV / revenue
0.9×
0.6×
1.3×
1.2×
1.2×
1.2×
EV / EBITDA
–
–
–
–
–
–
Price / free cash flow
15.3×
18.8×
10.6×
14.4×
13.3×
14.3×
Free-cash-flow yield
6.6%
5.3%
9.4%
6.9%
7.5%
7.0%
Price / book
1.9×
1.2×
2.2×
1.9×
1.8×
1.7×
Dividend yield
1.04%
1.38%
0.67%
0.76%
0.79%
0.92%
Fundamentals checklist ● 2 Good · ● 2 Average · ● 4 Bad · each check graded against the sector
Cash quality
Earnings backed by cash1.5%Bad
Free-cash-flow yield7.0%Average
Risk models
Piotroski F-Score4 of 9Bad
Growth
EPS growth (3y)0.3%Average
Free-cash-flow growth (3y)46.5%Good
Revenue growth (3y)2.7%Bad
Growth consistency40%Bad
Valuation
Fair value vs price1.7×Good
XStocksXray
Pultegroup Inc (PHM)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
13,737
16,003
16,062
17,947
17,312
16,407
Gross profit
–
–
–
–
–
–
Operating income
–
–
–
–
–
–
Net income
1,946
2,617
2,602
3,083
2,219
1,906
Diluted EPS ($)
7.43
11.01
11.72
14.69
11.12
9.76
Free cash flow
931
556
2,105
1,562
1,749
1,512
Gross margin
–
–
–
–
–
–
Operating margin
–
–
–
–
–
–
Net margin
14.2%
16.4%
16.2%
17.2%
12.8%
11.6%
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
13,353
14,797
16,087
17,364
18,048
18,263
Cash
1,779
1,053
1,807
1,613
1,981
1,336
Total debt
64
77
74
31
44
–
Equity
7,490
8,914
10,383
12,122
12,985
13,014
Dividend per share ($)
0.57
0.61
0.68
0.82
0.92
1.00
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value blends three models and carries a typical error of about 40%, so treat it as a range. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.