PHM vs. TOL: PulteGroup vs. Toll Brothers Stock Comparison

November 11, 2026

How do PulteGroup (PHM) and Toll Brothers (TOL) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

PulteGroup (PHM) and Toll Brothers (TOL) are both classified in the Homebuilding sub-industry within the broader Household Durables industry, placing them in the closest GICS peer bucket.

Company profile comparison for PulteGroup (PHM) and Toll Brothers (TOL)
Profile Item	PHM	TOL
Name	PulteGroup, Inc.	Toll Brothers, Inc.
Country/Region	United States	United States
GICS Sector	Consumer Discretionary	Consumer Discretionary
GICS Industry Group	Consumer Durables & Apparel	Consumer Durables & Apparel
GICS Industry	Household Durables	Household Durables
GICS Sub-Industry	Homebuilding	Homebuilding
Market Capitalization	25.24 billion USD	14.06 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	March 17, 1980	July 8, 1986
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

PHM

TOL

GSPC

PulteGroup (PHM) vs. Toll Brothers (TOL), with S&P 500 (GSPC) for reference: 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 Toll Brothers (TOL). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for PulteGroup (PHM) and Toll Brothers (TOL). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for PulteGroup (PHM) and Toll Brothers (TOL)
Metric	PHM	TOL
Total Return (1Y)	14.71%	18.07%
Total Return (3Y, Annualized)	19.88%	26.97%
Total Return (5Y, Annualized)	22.42%	20.91%

Risk Profile

Drawdown History

PHM

TOL

GSPC

PulteGroup (PHM) vs. Toll Brothers (TOL), with S&P 500 (GSPC) for reference: 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 Toll Brothers (TOL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for PulteGroup (PHM) and Toll Brothers (TOL)
Metric	PHM	TOL
Volatility (1Y, Annualized)	34.96%	35.83%
Beta (5Y)	1.14	1.27
Max Drawdown (5Y)	-38.01%	-45.97%
Avg. Volume (3M)	1.77M	1.05M

Risk-Adjusted Performance

Risk-Return Positioning

PHM and TOL are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for PulteGroup (PHM) and Toll Brothers (TOL)
Metric	PHM	TOL
Sharpe Ratio (1Y)	0.30	0.38
Sortino Ratio (1Y)	0.48	0.65

Profitability

ROE (TTM)

Both PulteGroup (PHM) at 13.86% and Toll Brothers (TOL) at 14.39% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

PHM

Consumer Durables & Apparel industry group

13.86%

Max: 44.27%
Q3: 22.94%
PHM: 13.86%
Median: 12.36%
Q1: 5.76%
Min: -12.76%

TOL

Consumer Durables & Apparel industry group

14.39%

Max: 44.27%
Q3: 22.94%
TOL: 14.39%
Median: 12.36%
Q1: 5.76%
Min: -12.76%

PulteGroup (PHM) vs. Toll Brothers (TOL): A comparison of their ROE against the Consumer Durables & Apparel industry group benchmark.

Net Margin (TTM)

For every dollar of sales, both PulteGroup (PHM) at 11.24% and Toll Brothers (TOL) at 11.14% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

PHM

Consumer Durables & Apparel industry group

11.24%

Max: 19.00%
PHM: 11.24%
Q3: 9.42%
Median: 5.93%
Q1: 2.80%
Min: -7.09%

TOL

Consumer Durables & Apparel industry group

11.14%

Max: 19.00%
TOL: 11.14%
Q3: 9.42%
Median: 5.93%
Q1: 2.80%
Min: -7.09%

PulteGroup (PHM) vs. Toll Brothers (TOL): A comparison of their net margin against the Consumer Durables & Apparel industry group benchmark.

Operating Margin (TTM)

Both PulteGroup (PHM) at 15.96% and Toll Brothers (TOL) at 14.56% convert sales into operating profit at a top-quartile rate, pointing to tighter cost discipline before financing and tax.

PHM

Consumer Durables & Apparel industry group

15.96%

Max: 28.97%
PHM: 15.96%
Q3: 14.34%
Median: 8.77%
Q1: 4.05%
Min: -7.88%

TOL

Consumer Durables & Apparel industry group

14.56%

Max: 28.97%
TOL: 14.56%
Q3: 14.34%
Median: 8.77%
Q1: 4.05%
Min: -7.88%

PulteGroup (PHM) vs. Toll Brothers (TOL): A comparison of their operating margin against the Consumer Durables & Apparel industry group benchmark.

Profitability Metrics

Profitability metrics for PulteGroup (PHM) and Toll Brothers (TOL)
Metric	PHM	TOL
ROE (TTM)	13.86%	14.39%
ROA (TTM)	8.58%	6.90%
Net Margin (TTM)	11.24%	11.14%
Operating Margin (TTM)	15.96%	14.56%
Gross Margin (TTM)	25.32%	24.83%

Growth

Revenue Growth

Both PulteGroup (PHM) at -3.54% and Toll Brothers (TOL) at 1.11% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

PulteGroup (PHM) vs. Toll Brothers (TOL): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both PulteGroup (PHM) at -24.30% and Toll Brothers (TOL) at -10.13% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

PulteGroup (PHM) vs. Toll Brothers (TOL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for PulteGroup (PHM) and Toll Brothers (TOL)
Metric	PHM	TOL
Revenue Growth (YoY)	-3.54%	1.11%
Revenue Growth (3Y CAGR)	2.66%	2.19%
EPS Growth (YoY)	-24.30%	-10.13%
EPS Growth (3Y CAGR)	0.33%	7.36%

Financial Strength

Current Ratio (MRQ)

Both PulteGroup (PHM) at 6.99 and Toll Brothers (TOL) at 4.50 post current ratio above their industries’ typical mid-ranges — short-term liquidity appears comfortable, though unusually high readings can point to idle current assets.

PHM

Consumer Durables & Apparel industry group

6.99

PHM: 6.99
Max: 5.48
Q3: 3.70
Median: 2.10
Q1: 1.64
Min: 0.75

TOL

Consumer Durables & Apparel industry group

4.50

Max: 5.48
TOL: 4.50
Q3: 3.70
Median: 2.10
Q1: 1.64
Min: 0.75

PulteGroup (PHM) vs. Toll Brothers (TOL): A comparison of their current ratio against the Consumer Durables & Apparel industry group benchmark.

Debt / Equity (MRQ)

PulteGroup (PHM) at 0.18 keeps leverage in the lower industry quartile, while Toll Brothers (TOL) at 0.34 runs a more typical debt-to-equity mix.

PHM

Consumer Durables & Apparel industry group

0.18

Max: 2.46
Q3: 1.19
Median: 0.45
Q1: 0.23
PHM: 0.18
Min: 0.00

TOL

Consumer Durables & Apparel industry group

0.34

Max: 2.46
Q3: 1.19
Median: 0.45
TOL: 0.34
Q1: 0.23
Min: 0.00

PulteGroup (PHM) vs. Toll Brothers (TOL): A comparison of their debt-to-equity ratio against the Consumer Durables & Apparel industry group benchmark.

Financial Strength Metrics

Financial strength metrics for PulteGroup (PHM) and Toll Brothers (TOL)
Metric	PHM	TOL
Current Ratio (MRQ)	6.99	4.50
Debt / Equity (MRQ)	0.18	0.34
Net Debt / EBITDA	0.40	1.10

Dividends

Dividend Yield (TTM)

Both PulteGroup (PHM) at 0.77% and Toll Brothers (TOL) at 0.66% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

PHM

Consumer Durables & Apparel industry group

0.77%

Max: 5.10%
Q3: 2.20%
PHM: 0.77%
Median: 0.77%
Q1: 0.00%
Min: 0.00%

TOL

Consumer Durables & Apparel industry group

0.66%

Max: 5.10%
Q3: 2.20%
Median: 0.77%
TOL: 0.66%
Q1: 0.00%
Min: 0.00%

PulteGroup (PHM) vs. Toll Brothers (TOL): A comparison of their dividend yield against the Consumer Durables & Apparel industry group benchmark.

Dividend Payout Ratio (TTM)

Both PulteGroup (PHM) at 11.11% and Toll Brothers (TOL) at 8.22% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

PHM

Consumer Durables & Apparel industry group

11.11%

Max: 96.30%
Q3: 39.57%
PHM: 11.11%
Median: 11.11%
Q1: 0.00%
Min: 0.00%

TOL

Consumer Durables & Apparel industry group

8.22%

Max: 96.30%
Q3: 39.57%
Median: 11.11%
TOL: 8.22%
Q1: 0.00%
Min: 0.00%

PulteGroup (PHM) vs. Toll Brothers (TOL): A comparison of their payout ratio against the Consumer Durables & Apparel industry group benchmark.

Dividend Metrics

Dividend metrics for PulteGroup (PHM) and Toll Brothers (TOL)
Metric	PHM	TOL
Dividend Yield (TTM)	0.77%	0.66%
Dividend Payout Ratio (TTM)	11.11%	8.22%

Valuation

P/E Ratio (TTM)

Both PulteGroup (PHM) at 14.15 and Toll Brothers (TOL) at 12.29 sit in the cheaper earnings-multiple quartile for P/E ratio, with the market paying less for a dollar of trailing earnings than it pays for typical peers.

PHM

Consumer Durables & Apparel industry group

14.15

Max: 40.20
Q3: 25.33
Median: 17.52
Q1: 14.50
PHM: 14.15
Min: 5.29

TOL

Consumer Durables & Apparel industry group

12.29

Max: 40.20
Q3: 25.33
Median: 17.52
Q1: 14.50
TOL: 12.29
Min: 5.29

PulteGroup (PHM) vs. Toll Brothers (TOL): A comparison of their P/E ratio against the Consumer Durables & Apparel industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both PulteGroup (PHM) at 1.58 and Toll Brothers (TOL) at 1.31 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

PHM

Consumer Durables & Apparel industry group

1.58

Max: 3.32
Q3: 1.74
PHM: 1.58
Median: 1.02
Q1: 0.56
Min: 0.01

TOL

Consumer Durables & Apparel industry group

1.31

Max: 3.32
Q3: 1.74
TOL: 1.31
Median: 1.02
Q1: 0.56
Min: 0.01

PulteGroup (PHM) vs. Toll Brothers (TOL): A comparison of their P/S ratio against the Consumer Durables & Apparel industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both PulteGroup (PHM) at 1.87 and Toll Brothers (TOL) at 1.65 are valued close to their industries’ norm against book — neither stands out from peers.

PHM

Consumer Durables & Apparel industry group

1.87

Max: 8.35
Q3: 4.28
Median: 2.11
PHM: 1.87
Q1: 1.09
Min: 0.49

TOL

Consumer Durables & Apparel industry group

1.65

Max: 8.35
Q3: 4.28
Median: 2.11
TOL: 1.65
Q1: 1.09
Min: 0.49

PulteGroup (PHM) vs. Toll Brothers (TOL): A comparison of their P/B ratio against the Consumer Durables & Apparel industry group benchmark.

Valuation Metrics

Valuation metrics for PulteGroup (PHM) and Toll Brothers (TOL)
Metric	PHM	TOL
P/E Ratio (TTM)	14.15	12.29
P/S Ratio (TTM)	1.58	1.31
P/B Ratio (MRQ)	1.87	1.65
Free Cash Flow Yield (TTM)	3.35%	3.97%