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PulteGroup PHM

PulteGroup scores average on business quality (5.6 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$112.12Oct 10, 2026
Business qualityAverage
Next earningsOct 22, 2026, before the open
Insiders, 90 daysQuiet

Why it matters

  1. What PulteGroup does

    PulteGroup builds residential homes across the United States, selling directly to first-time, move-up, and active adult buyers. The company relies on its diversified brand portfolio to capture demand across different housing price points. Operations face a backdrop of macro pressure as the company navigates shifting interest rate environments and housing market dynamics.

  2. What it does best

    PulteGroup generates a gross margin of 25.1%, outperforming peers like Lennar at 8.8%. This advantage stems from disciplined land acquisition strategies and a balanced product mix that protects pricing power.

  3. The main risk

    Macro pressure remains a persistent threat, with revenue growth sitting in the bottom quartile at a negative 3.5% rate. This environment limits volume expansion across key housing markets.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityFair

Operating margin sits at 15.6% while FCF margin reaches 9.2%, demonstrating stable profitability driven by efficient cost management. The business maintains steady cash generation relative to revenue as it scales.

MoatStrong

The brand portfolio locks in diverse consumer segments from entry-level to active adults, supported by an operating margin ranking in the top quartile of its sector at 15.6%. Scale in land-banking creates high barriers for new entrants.

GrowthSlow

Revenue growth fell 3.5% over the latest period to $16.4B, fading compared to prior annual totals like $17.9B as housing demand cools under macro pressure.

Financial healthStrong

Debt-to-equity sits at 0.17 with interest coverage at 4,224x, making debt costs a rounding error. Free cash flow stands at $1.5B, leaving the balance sheet getting stronger.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

No open market buys or unplanned sales by executives or directors.

Our sealed record on PHM

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is PHM a good business?

PulteGroup scores average on the Cluenex quality check (5.6 of 10), measured against its own industry. Profitability is fair, moat strong, growth slow and financial health strong.

Are insiders buying PHM?

In the last 90 days of SEC Form 4 filings: No open market buys or unplanned sales by executives or directors.

When does PHM report earnings?

Oct 22, 2026, before the open.

For members

See PHM today

  • Today's verdict on PHM, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “PulteGroup (PHM)”, https://cluenex.com/stocks/phm/, data as of Oct 10, 2026.