Forensic Analysis · Homebuilders & Residential Construction · as of Nov 9, 2026

Pultegroup Inc/Mi/ (PHM)

A forensic read on Pultegroup Inc/Mi/ built from its complete SEC filings — financial-health screens, earnings quality, red flags and a price-aware rating. Reproducible math, not opinion.

A · High-quality compounder

Forensic grade

Clean

Earnings quality

Forensic signals

17.7%

ROE

-3.5%

Revenue growth

This free snapshot doesn't read filing or proxy text, so the auditor-quality and governance checks that can lower a grade were not evaluated (auditor quality, say on pay, board independence, going concern). Those checks only ever lower a grade, so the full analysis can land below the grade above but never above it — treat it as the most favourable reading, not the settled one.

Pultegroup Inc/Mi/ earns an A (High-quality compounder) forensic quality grade. 2 forensic signals were flagged in its latest SEC filings, led by cash conversion.

What the filings flag

0.72×

FY2023–FY2025

Cash conversion. Over FY2023–FY2025, cumulative operating cash flow was 0.72× cumulative net income before $28.6M of non-cash goodwill impairment. Cash is lagging reported profit. The shortfall is profit tied up in working capital rather than collected — the accrual and receivables lines below show where.Cash conversion: operating cash flow divided by net income, the share of profit that arrived as cash.

$29M

FY2025

Goodwill impairments. Took $29M of goodwill writedowns across 1 year (FY2025 ($29M)) — about 1% of net income over the span. Writedowns mean past acquisitions underperformed what was paid for them.

Key fundamentals

Latest Revenue$17.31B

Revenue Growth YoY-3.5%

Revenue CAGR (2yr)+3.8%

Net Margin12.8%

Free Cash Flow$1.75B

Return on Equity17.7%

Debt / Equity0.00x

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Data from SEC EDGAR public filings · metrics as of Nov 9, 2026. Forensic signals flag probability, not certainty.

See a wrong number? Report an error with the filing it should match.