PulteGroup (PHM) Stock Analysis

September 7, 2026

This is a peer-relative look at PulteGroup (PHM): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Consumer Durables & Apparel peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for PulteGroup (PHM)
Profile Item	PHM
Name	PulteGroup, Inc.
Country/Region	United States
GICS Sector	Consumer Discretionary
GICS Industry Group	Consumer Durables & Apparel
GICS Industry	Household Durables
GICS Sub-Industry	Homebuilding
Market Capitalization	23.71 billion USD
Currency	USD
Exchange	NYSE
Listing Date	March 17, 1980
Security Type	Common Stock

Price Performance

Cumulative Growth

PHM

GSPC

PulteGroup (PHM) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for PulteGroup (PHM) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for PulteGroup (PHM) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

PulteGroup (PHM) metric values compared with Consumer Durables & Apparel industry-group medians
Metric	Current stock: PHM	Industry group median
Total Return (1Y)	-8.84%	-1.31%
Total Return (3Y, Annualized)	15.51%	1.12%
Total Return (5Y, Annualized)	19.58%	-2.96%

Risk Profile

Drawdown History

PHM

GSPC

PulteGroup (PHM) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for PulteGroup (PHM) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

PulteGroup (PHM) metric values compared with Consumer Durables & Apparel industry-group medians
Metric	Current stock: PHM	Industry group median
Volatility (1Y, Annualized)	32.87%	44.83%
Beta (5Y)	1.15	1.27
Max Drawdown (5Y)	-38.01%	-61.48%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. PHM is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

PulteGroup (PHM) metric values compared with Consumer Durables & Apparel industry-group medians
Metric	Current stock: PHM	Industry group median
Sharpe Ratio (1Y)	-0.39	-0.14
Sortino Ratio (1Y)	-0.60	-0.21

Profitability

ROE (TTM)

PulteGroup (PHM) posts ROE of 14.90%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

PHM

Consumer Durables & Apparel industry group

14.90%

Group distribution

Max: 49.52%
Q3: 23.50%
PHM: 14.90%
Median: 12.27%
Q1: 5.29%
Min: -8.59%

Largest peers

TPR: 197.14%
SN: 27.53%
NKE: 22.14%
GRMN: 21.89%
PHM: 14.90%
SONY: 13.16%
DHI: 12.63%

Where PulteGroup (PHM) stands on ROE within its Consumer Durables & Apparel peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

PulteGroup (PHM) keeps 11.62% of revenue as net profit, putting net margin in the upper peer quartile. After operating costs, interest, and taxes, more of each sales dollar reaches shareholders than it does at most industry peers.

PHM

Consumer Durables & Apparel industry group

11.62%

Group distribution

Max: 19.09%
PHM: 11.62%
Q3: 9.28%
Median: 5.63%
Q1: 1.90%
Min: -7.09%

Largest peers

GRMN: 24.47%
TPR: 19.09%
PHM: 11.62%
SN: 10.06%
DHI: 9.15%
NKE: 6.70%
SONY: -1.75%

Where PulteGroup (PHM) stands on net margin within its Consumer Durables & Apparel peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

PulteGroup (PHM) turns 15.69% of revenue into operating profit, putting operating margin in the upper peer quartile. Before financing and taxes enter the picture, the day-to-day business keeps more of each sales dollar than most industry peers.

PHM

Consumer Durables & Apparel industry group

15.69%

Group distribution

Max: 30.44%
PHM: 15.69%
Q3: 14.61%
Median: 8.63%
Q1: 3.30%
Min: -5.53%

Largest peers

GRMN: 30.44%
TPR: 19.82%
SONY: 16.72%
PHM: 15.69%
DHI: 12.99%
NKE: 12.69%
SN: 10.16%

Where PulteGroup (PHM) stands on operating margin within its Consumer Durables & Apparel peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

PulteGroup (PHM) metric values compared with Consumer Durables & Apparel industry-group medians
Metric	Current stock: PHM	Industry group median
ROE (TTM)	14.90%	12.27%
ROA (TTM)	9.21%	5.53%
Net Margin (TTM)	11.62%	5.63%
Operating Margin (TTM)	15.69%	8.63%
Gross Margin (TTM)	25.57%	42.71%

Growth

Revenue Growth

PulteGroup (PHM) grew revenue -3.54%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

PulteGroup (PHM): Revenue Growth across different time periods, set against Consumer Durables & Apparel industry-group medians.

EPS Growth

PulteGroup (PHM) grew earnings per share -24.30%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

PulteGroup (PHM): EPS Growth across different time periods, set against Consumer Durables & Apparel industry-group medians.

Growth Metrics

PulteGroup (PHM) metric values compared with Consumer Durables & Apparel industry-group medians
Metric	Current stock: PHM	Industry group median
Revenue Growth (YoY)	-3.54%	0.93%
Revenue Growth (3Y CAGR)	2.66%	-0.58%
EPS Growth (YoY)	-24.30%	-16.33%
EPS Growth (3Y CAGR)	0.33%	-3.90%

Financial Strength

Current Ratio (MRQ)

PulteGroup (PHM) has current ratio of 7.27, above the industry’s typical middle range. Liquidity looks ample versus peers, though an unusually high cushion can also mean idle current assets or inefficient working capital.

PHM

Consumer Durables & Apparel industry group

7.27

Group distribution

PHM: 7.27
Max: 6.01
Q3: 3.70
Median: 2.16
Q1: 1.66
Min: 0.57

Largest peers

PHM: 7.27
DHI: 6.01
GRMN: 3.03
SN: 2.08
NKE: 1.96
TPR: 1.75
SONY: 1.25

Where PulteGroup (PHM) stands on current ratio within its Consumer Durables & Apparel peer group — the box is the group’s distribution and the dots its largest members.

Debt / Equity (MRQ)

PulteGroup (PHM) has debt-to-equity ratio of 0.19, in the lower-leverage quartile for its industry. Borrowing is modest relative to equity compared with most peers, which can leave more flexibility through a cycle.

PHM

Consumer Durables & Apparel industry group

0.19

Group distribution

Max: 2.45
Q3: 1.25
Median: 0.53
Q1: 0.26
PHM: 0.19
Min: 0.00

Largest peers

TPR: 5.72
NKE: 0.74
SN: 0.32
DHI: 0.29
SONY: 0.21
PHM: 0.19
GRMN: 0.03

Where PulteGroup (PHM) stands on debt-to-equity ratio within its Consumer Durables & Apparel peer group — the box is the group’s distribution and the dots its largest members.

Financial Strength Metrics

PulteGroup (PHM) metric values compared with Consumer Durables & Apparel industry-group medians
Metric	Current stock: PHM	Industry group median
Current Ratio (MRQ)	7.27	2.16
Debt / Equity (MRQ)	0.19	0.53
Net Debt / EBITDA	0.42	1.52

Dividends

Dividend Yield (TTM)

PulteGroup (PHM) has dividend yield of 0.80%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

PHM

Consumer Durables & Apparel industry group

0.80%

Group distribution

Max: 4.61%
Q3: 2.37%
PHM: 0.80%
Median: 0.76%
Q1: 0.00%
Min: 0.00%

Largest peers

SONY: 100.16%
NKE: 4.20%
GRMN: 1.52%
TPR: 1.31%
DHI: 1.21%
PHM: 0.80%
SN: 0.00%

Where PulteGroup (PHM) stands on dividend yield within its Consumer Durables & Apparel peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

PulteGroup (PHM) has payout ratio of 10.21%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

PHM

Consumer Durables & Apparel industry group

10.21%

Group distribution

Max: 100.00%
Q3: 40.00%
Median: 10.83%
PHM: 10.21%
Q1: 0.00%
Min: 0.00%

Largest peers

NKE: 77.62%
GRMN: 38.70%
TPR: 22.01%
DHI: 16.68%
SONY: 13.10%
PHM: 10.21%
SN: 0.00%

Where PulteGroup (PHM) stands on payout ratio within its Consumer Durables & Apparel peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

PulteGroup (PHM) metric values compared with Consumer Durables & Apparel industry-group medians
Metric	Current stock: PHM	Industry group median
Dividend Yield (TTM)	0.80%	0.76%
Dividend Payout Ratio (TTM)	10.21%	10.83%

Valuation

P/E Ratio (TTM)

PulteGroup (PHM) trades at P/E ratio of 12.71, in the cheaper earnings-multiple quartile for its industry. Investors are paying less for each dollar of TTM earnings than they usually pay for comparable businesses.

PHM

Consumer Durables & Apparel industry group

12.71

Group distribution

Max: 43.70
Q3: 25.40
Median: 17.03
Q1: 13.13
PHM: 12.71
Min: 6.26

Largest peers

SN: 35.31
GRMN: 28.56
SONY: 20.99
NKE: 18.29
TPR: 16.80
DHI: 13.61
PHM: 12.71

Where PulteGroup (PHM) stands on P/E ratio within its Consumer Durables & Apparel peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

PulteGroup (PHM) trades at 1.44 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

PHM

Consumer Durables & Apparel industry group

1.44

Group distribution

Max: 3.53
Q3: 1.81
PHM: 1.44
Median: 0.97
Q1: 0.52
Min: 0.01

Largest peers

GRMN: 6.96
SN: 3.53
TPR: 3.04
PHM: 1.44
NKE: 1.23
DHI: 1.20
SONY: 0.01

Where PulteGroup (PHM) stands on P/S ratio within its Consumer Durables & Apparel peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

PulteGroup (PHM) trades at 1.79 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

PHM

Consumer Durables & Apparel industry group

1.79

Group distribution

Max: 7.69
Q3: 3.95
Median: 2.08
PHM: 1.79
Q1: 1.13
Min: 0.60

Largest peers

TPR: 35.36
SN: 8.59
GRMN: 5.92
NKE: 3.83
SONY: 2.69
PHM: 1.79
DHI: 1.68

Where PulteGroup (PHM) stands on P/B ratio within its Consumer Durables & Apparel peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

PulteGroup (PHM) metric values compared with Consumer Durables & Apparel industry-group medians
Metric	Current stock: PHM	Industry group median
P/E Ratio (TTM)	12.71	17.03
P/S Ratio (TTM)	1.44	0.97
P/B Ratio (MRQ)	1.79	2.08
Free Cash Flow Yield (TTM)	4.55%	5.45%