Company Analysis

Pultegroup, Inc. (PHM)

NYSE: PHM · Operative Builders · Atlanta, GA · filing with the SEC since 1994
Grade6.9
◀ Past 7.1● Present 7.7▶ Future 5.7

The grade of Pultegroup, Inc.

Nine metrics read from its own filings, by tense
Headline grade
6.9/10
◀ Past7.140% of the headline
● Present7.735% of the headline
▶ Future5.725% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

7.1/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.8/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 33% of this tense · 78th percentile among 18 sector filers · read for itself

From the record

Pultegroup, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
6.2/10

What has it actually done, year after year?

+9.5% a year over 10 filed years; profitable in 10 of 10.

weight 45% of this tense · 62nd percentile among 17 sector filers · read for its customers

From the record

Pultegroup, Inc.'s 10 filed years say what it did: revenue went from $7.7 billion in fiscal 2016 to $17 billion in fiscal 2025, up 9.5% a year; it rose in 8 of 9 years; the deepest fall was 4% from fiscal 2024 to fiscal 2025; net income was positive in 10 of 10 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span9.5%bottom 44% of its family
  • the share of years revenue rosetop 12% of its family
  • the share of filed years with a profittop 41% of its family
  • the deepest fall from a revenue peak3.5%top 44% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
7.8/10

How has it treated the people who own it?

Share count shrank 5.5% a year. 68% of cash flow returned. Insiders: 8 sales, 0 purchases.

weight 22% of this tense · 78th percentile among 18 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Pultegroup, Inc.'s diluted share count shrank about 5.5% a year, and dividends and buybacks returned about 68% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 8 sales and 0 purchases of their own stock on the open market in the year to 2026-11-09 (their Form 4 filings).

What it rests on

  • the share count over the yearstop 8% of its family
  • cash returned against operating cash flowtop 36% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

7.7/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
8.1/10

Is it financially healthy right now?

ROE 17%: 17¢ of profit per shareholder dollar. Leverage 28%: owes 28¢ per asset dollar.

weight 33% of this tense · 81st percentile among 18 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Pultegroup, Inc. earned about 17 cents of profit for every dollar of shareholders' money. Leverage: it owed about 28 cents per dollar of assets, and net share issuance: its share count shrank 4.9% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 14% of its family
  • return on equitytop 19% of its family
  • the share count against the year beforetop 25% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
8.1/10

How strong is its position in its industry?

top 19% of 17 in its family; net margin 12.8%.

weight 45% of this tense · 81st percentile among 17 sector filers · read for its customers

From the record

Pultegroup, Inc.'s standing among 17 graded names in its industry family: revenue of $17 billion in fiscal 2025 ranks in the top 10% by size; a net margin of 12.8% ranks in the top 15%; revenue growth of 2.7% a year over the last 3 filed years ranks in the top 32% (its annual reports).

What it rests on

  • revenue against the family$17.31Btop 10% of its family
  • net margin12.8%top 15% of its family
  • three-year revenue growth2.7%top 32% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
6.3/10

What are the people in charge doing?

top 38% of 15 in its family for leadership; chief executive since 2016.

weight 22% of this tense · 62nd percentile among 15 sector filers · read for its shareholders

From the record

Pultegroup, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Marshall, Ryan (Chief Exec Officer, President, as filed), filing under that title since 2016-09-12, 10.2 years (top 43% of its family); the 17 officers and directors filing in the last fifteen months have been on the record a median of 10.1 years (bottom 46%); 3 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (top 16%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge3 in three years among 17 peopletop 16% of its family
  • the median years the people in charge have filed10.1 yearsbottom 46% of its family
  • the chief executive's years on the record10.2 yearstop 43% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

5.7/1025% of the headline grade · 3 of 3 filed

Room to expand

as filed
8.5/10

How much room does it have to grow?

top 15% of 15 in its family for room to expand.

weight 33% of this tense · 85th percentile among 15 sector filers · read for itself

From the record

Pultegroup, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $2.0 billion against debt of $44 million leaves 10.7% of its assets as net cash, top 16% of its family; cash from operations less capital spending is 10.1% of revenue (top 15%) (its annual report).

What it rests on

  • cash less debt against assets10.7%top 16% of its family
  • cash from operations less capital spending against revenue10.1%top 15% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
4.0/10

What could actually drive growth from here?

bottom 40% of 17 in its family for growth drivers.

weight 33% of this tense · 40th percentile among 17 sector filers · read for its customers

From the record

Pultegroup, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 2.7% a year over the last three filed years against 9.5% over all 10, slowing (top 44% of its family); the newest year grew -3.5% (bottom 32%); capital spending grew 2.9% a year (bottom 32%) (its annual reports). Pultegroup, Inc. reported 2 lines of business in fiscal 2025: Home Building at $17 billion, Financial Services at $389 million. 0 of 2 grew in the latest filed year, and the largest line is 98% of revenue (its annual report).

What it rests on

  • three-year growth against the whole span-6.8 points a yeartop 44% of its family
  • the newest year's revenue growth-3.5%bottom 32% of its family
  • three-year growth of capital spending2.9%bottom 32% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
4.5/10

Did its newest year beat what its own record pointed to?

bottom 45% of 16 in its family for expectations against reality.

weight 33% of this tense · 45th percentile among 16 sector filers · read for its shareholders

From the record

Pultegroup, Inc.'s newest year against its own record: revenue of $17 billion in fiscal 2025 came in 8.9% below the $19 billion its prior three years' pace pointed to (bottom 34% of its family); net income of $2.2 billion against a prior three-year average of $2.8 billion (top 41%); a net margin of 12.8% against 16.6% before (bottom 41%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-8.9%bottom 34% of its family
  • net income against the prior three years' average-20%top 41% of its family
  • net margin against its prior average-3.8 pointsbottom 41% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton PHM · research, not advice