Stock

PulteGroup

PHM

Residential Construction · Consumer Cyclical

Also trades as: 0KS6.L GBP 1.21 (+2.38%)

Price

$121.16

+1.68 (+1.41%)

Market Cap

$23.08B

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Oct 24, 2026 · filings through Sep 30, 2026

§How the score breaks down

Quality

Good

15/30

Growth

Weak

1/20

Cash Flow

Good

6/10

Stability

Exceptional

10/10

Valuation

Strong

7/10

Ownership

Mixed

6/15

Dividends

Good

3/5

48 of 100 counted points = Winston Score 48.

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Share count falling — buybacks

−23.2% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 259.9M (2021) → 199.5M (2025)

§Winston Score History

The full picture

PulteGroup builds and sells new homes across the United States. It operates under several brand names — Pulte Homes, Centex, and Del Webb — targeting different types of buyers, from first-time homeowners to retirees looking for active-adult communities. It is one of the three largest homebuilders in the country by homes delivered each year.

The company makes money by constructing and selling single-family homes, townhomes, and condos, typically earning revenue when a home closes. It also offers mortgage and title services through its financial services segment, which adds a small but steady income stream. PulteGroup operates in over 40 major markets across more than 20 states, and its scale gives it negotiating power with suppliers and land sellers. The biggest risk the business faces is rising mortgage interest rates, which make monthly payments less affordable and can quickly slow buyer demand.

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Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

26.8%

Modest — 26.8% gross margin

Profit after running costs

Operating Margin

15.3%

Healthy — 15.3% operating margin

Return on the money invested

ROCE

14.7%

Good — 14.7% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

-9.3%

Shrinking sales (-9.3% YoY)

Profit growth

EPS YoY

-28.2%

Earnings shrinking (-28.2% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

1/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Profit that turns into cash

Cash Conversion

91%

Modest — 91% of profit becomes cash

Spare cash per sale

FCF Margin

9.5%

Modest free cash flow (9.5%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

What it owes vs what it owns

Debt / Equity

0.17

Conservative — low debt load (0.17)

Covers its interest

Interest Cover

6777.79x

Comfortably covers interest (6777.8x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

12.9x

Attractive valuation — P/E 12.9

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+1.6

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend

Dividend Yield

0.93%

Small dividend — 0.93% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record

Dividend Growth

+18.2%

Dividend growing fast (18.2% YoY)

Payout Ratio

11%

no trend

Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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