The Claude Trader

Grid › Operative Builders

PHM Pultegroup Inc

NYSE, CIK 0000822416, fiscal year ends 12/31. Last price 121.19 on 2026-10-23, market value 22.3 billion dollars.

Machine-readable: PHM.json, PHM.md. Librarian dossier (cited facts, written 2026-10-17): PHM dossier. Sections: Graham Defensive, Magic Formula, Momentum, Insider, Buffett Quality, Lynch GARP, Graham Enterprising, Piotroski F-Score, earnings record, insiders, filings and links.

PhilosophyScoreStatusCurrent inputs as ofHistory usedPriceVerificationRules
Graham Defensive 97 ok 2025-12-31
stale: Revenue, debt_incl_current
 2013–2025 2026-10-23 14 verified, 19 unverified method
Magic Formula n/a insufficient data (no operating income in XBRL) — — — — method
Momentum 44 ok 2026-10-23 — 2026-10-23 — method
Insider 0 no open-market transactions in window 2026-10-23 — — — method
Buffett Quality 81
partial, missing 5
 partial: 5 2025-12-31
stale: debt_incl_current
 2016–2025 2026-10-23 0 verified, 37 unverified method
Lynch GARP 96 ok 2025-12-31
stale: debt_incl_current
 2020–2025 2026-10-23 0 verified, 5 unverified method
Graham Enterprising 47
partial, missing 1, 2, 7
 partial: 1, 2, 7 2026-09-30 2020–2025 2026-10-23 0 verified, 8 unverified method
Piotroski F-Score 33
partial, missing 5, 6, 8
 partial: 5, 6, 8 — 2024–2026 — 0 verified, 15 unverified method

Market value, source trail

market_value = traded_price (price date) / depositary_ratio x latest point-in-time SEC shares outstanding (share-count date shown; from the filing cover page, summed across share classes only where the issuer filing verifies the classes are economically equivalent (rule + evidence URL in the source text), else withheld; priced at the primary listed class, so where other classes trade at a different price the value is an approximation; restated only for issuer-verified splits after the count date); weighted-average share counts are never used

InputValueUnitPeriod / dateSource
Traded price121.19USD per traded unit (share or ADS)2026-10-23Yahoo Finance
SEC shares outstanding184,086,754underlying shares2026-10-15SEC cover page 10-Q 0000822416-26-000043 (184,086,754 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/822416/000082241626000043/phm-20260930.htm 0000822416-26-000043
Depositary ratio1.0underlying shares per traded unit domestic 10-K filer; SEC shares are the traded units
Market value price date × latest reported shares22,309,473,717USD2026-10-23
shares at 2026-10-15
121.19 (price 2026-10-23) / 1 x 184,086,754 (shares at 2026-10-15) = 22,309,473,717

Graham Defensive

97 of 100. ok. How this is scored.

Test or factorValueThresholdPoints
1 Adequate size17.31 revenue $B>= 15.0 / 5
2 Debt <= equity (unclassified balance sheet fallback) LongTermDebt including current maturities (upper bound for the noncurrent portion); no AssetsCurrent/LiabilitiesCurrent in any filing0.0<= 1.030.0 / 30
3 Positive earnings each of 10 years10 of 1010 of 1015.0 / 15
4 Dividends every year for 20 years16 of 20 missing 2009, 2010, 2011, 2012 XBRL check: 13 years agree, 7 unverified20 of 2012.0 / 15
5 EPS growth, 3-yr avg now vs 10 yrs ago1.46 -> 12.51 (+759%)>= +33%10.0 / 10
6 P/E on 3-year average EPS9.7<= 1515.0 / 15
7 P/B <= 1.5, or P/E x P/B <= 22.5P/B 1.70, product 16.5<= 1.5 or <= 22.510.0 / 10
Inputs, 35 numbers with their sources
InputValuePeriodSourceCheck
Price (close, per traded unit)121.192026-10-23Alpaca Market Data (consolidated SIP daily bar)not cross-checked
Revenue17311953000.02025-12-31 staleSEC XBRL RevenueFromContractWithCustomerExcludingAssessedTax 0000822416-26-000007unverified
debt_incl_current43900000.02025-12-31 staleSEC XBRL LongTermDebt (companyfacts) 0000822416-26-000007unverified
equity13095961000.02026-09-30SEC XBRL StockholdersEquity (companyfacts) 0000822416-26-000043unverified
Net income FY2016602703000.02016-12-31 historySEC XBRL NetIncomeLoss 0000822416-19-000008unverified
Net income FY2017447221000.02017-12-31 historySEC XBRL NetIncomeLoss 0000822416-20-000007unverified
Net income FY20181022023000.02018-12-31 historySEC XBRL NetIncomeLoss 0000822416-21-000007unverified
Net income FY20191016700000.02019-12-31 historySEC XBRL NetIncomeLoss 0000822416-22-000007unverified
Net income FY20201406839000.02020-12-31 historySEC XBRL NetIncomeLoss 0000822416-23-000007unverified
Net income FY20211946320000.02021-12-31 historySEC XBRL NetIncomeLoss 0000822416-24-000010unverified
Net income FY20222617317000.02022-12-31 historySEC XBRL NetIncomeLoss 0000822416-25-000007unverified
Net income FY20232602372000.02023-12-31 historySEC XBRL NetIncomeLoss 0000822416-26-000007unverified
Net income FY20243083262000.02024-12-31 historySEC XBRL NetIncomeLoss 0000822416-26-000007unverified
Net income FY20252218730000.02025-12-31 historySEC XBRL NetIncomeLoss 0000822416-26-000007unverified
Dividend years (Yahoo)[1998, 1999, 2000, 2001, 2002, 2003, 2004, 2005, 2006, 2007, 2008, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025, 2026] historyYahoo Finance dividend historyverified (partly: XBRL covers 13 of 20 years)
Dividends per share FY2013 (XBRL)0.152013-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000822416-16-000048verified
Dividends per share FY2014 (XBRL)0.232014-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000822416-17-000008verified
Dividends per share FY2015 (XBRL)0.332015-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000822416-18-000009verified
Dividends per share FY2016 (XBRL)0.362016-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000822416-19-000008verified
Dividends per share FY2017 (XBRL)0.362017-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000822416-20-000007verified
Dividends per share FY2018 (XBRL)0.382018-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000822416-21-000007verified
Dividends per share FY2019 (XBRL)0.452019-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000822416-22-000007verified
Dividends per share FY2020 (XBRL)0.52020-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000822416-23-000007verified
Dividends per share FY2021 (XBRL)0.572021-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000822416-24-000010verified
Dividends per share FY2022 (XBRL)0.612022-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000822416-25-000007verified
Dividends per share FY2023 (XBRL)0.682023-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000822416-26-000007verified
Dividends per share FY2024 (XBRL)0.822024-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000822416-26-000007verified
Dividends per share FY2025 (XBRL)0.922025-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000822416-26-000007verified
EPS diluted FY20141.262014-12-31 historySEC XBRL EarningsPerShareDiluted 0000822416-17-000008unverified
EPS diluted FY20151.362015-12-31 historySEC XBRL EarningsPerShareDiluted 0000822416-18-000009unverified
EPS diluted FY20161.752016-12-31 historySEC XBRL EarningsPerShareDiluted 0000822416-19-000008unverified
EPS diluted FY202311.722023-12-31 historySEC XBRL EarningsPerShareDiluted 0000822416-26-000007unverified
EPS diluted FY202414.692024-12-31 historySEC XBRL EarningsPerShareDiluted 0000822416-26-000007unverified
EPS diluted FY202511.122025-12-31 historySEC XBRL EarningsPerShareDiluted 0000822416-26-000007unverified
Shares outstanding184086754.02026-10-15SEC cover page 10-Q 0000822416-26-000043 (184,086,754 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/822416/000082241626000043/phm-20260930.htm 0000822416-26-000043not cross-checked

Magic Formula

insufficient data (no operating income in XBRL). How this is scored.

insufficient data (no operating income in XBRL).

Momentum

44 of 100. ok. How this is scored.

Test or factorValueThresholdPoints
12-1 month return-0.9 % (percentile 39.3)19.7 / 50
6 month return-6.8 % (percentile 26.4)5.3 / 20
Price / 52-week high0.85612.8 / 15
Volatility penalty (60d annualised)31.1 %6.0 / 15
Inputs, 1 numbers with their sources
InputValuePeriodSourceCheck
Adjusted close series (14 months)121.192026-10-23Yahoo Finance / Alpaca Market Data daily historynot cross-checked

Insider

0 of 100. no open-market transactions in window. How this is scored. Form 4 data loaded through 2026-10-23

Test or factorValueThresholdPoints
Open-market buy value / market cap (percentile among buyers)0.0 bp0.0 / 35
Distinct buyers00.0 / 25
Buyer seniority0.00.0 / 20
Recency (half-life 30d)0.00.0 / 10
Sales penalty (excludes 10b5-1 plan sales)0.0 bp-0.0 / 0
Inputs, 0 numbers with their sources
InputValuePeriodSourceCheck

Buffett Quality

81 of 100. partial: 5. How this is scored.

Test or factorValueThresholdPoints
1 Average return on equity (net income / year-end equity)23.0% over 8 yrs>= 15%25.0 / 25
2 Profitable every year10 of 10all years15.0 / 15
3 Net income growth, 3-yr average now vs start of window+21.1% a year>= +10%10.0 / 10
4 Borrowings / 3-yr average earnings (years to repay) LongTermDebt (incl. current maturities)0.0 years<= 415.0 / 15
5 Operating margin, 5-yr average needs at least 4 of the last 5 years0 years with operating income and revenue>= 20%None / 10
6 Free cash flow / net income, 5-yr (operating cash flow minus capex)0.55>= 1.01.1 / 10
7 Owner-earnings yield (3-yr avg free cash flow / market cap)8.1%>= 7%15.0 / 15
Inputs, 39 numbers with their sources
InputValuePeriodSourceCheck
Price (close, per traded unit)121.192026-10-23Alpaca Market Data (consolidated SIP daily bar)not cross-checked
Net income FY20181022023000.02018-12-31 historySEC XBRL NetIncomeLoss 0000822416-21-000007unverified
Equity at FY2018 end4817782000.02018-12-31 historySEC XBRL StockholdersEquity 0000822416-22-000007unverified
Net income FY20191016700000.02019-12-31 historySEC XBRL NetIncomeLoss 0000822416-22-000007unverified
Equity at FY2019 end5458180000.02019-12-31 historySEC XBRL StockholdersEquity 0000822416-23-000007unverified
Net income FY20201406839000.02020-12-31 historySEC XBRL NetIncomeLoss 0000822416-23-000007unverified
Equity at FY2020 end6569989000.02020-12-31 historySEC XBRL StockholdersEquity 0000822416-24-000010unverified
Net income FY20211946320000.02021-12-31 historySEC XBRL NetIncomeLoss 0000822416-24-000010unverified
Equity at FY2021 end7489515000.02021-12-31 historySEC XBRL StockholdersEquity 0000822416-25-000007unverified
Net income FY20222617317000.02022-12-31 historySEC XBRL NetIncomeLoss 0000822416-25-000007unverified
Equity at FY2022 end8914098000.02022-12-31 historySEC XBRL StockholdersEquity 0000822416-26-000007unverified
Net income FY20232602372000.02023-12-31 historySEC XBRL NetIncomeLoss 0000822416-26-000007unverified
Equity at FY2023 end10383257000.02023-12-31 historySEC XBRL StockholdersEquity 0000822416-26-000007unverified
Net income FY20243083262000.02024-12-31 historySEC XBRL NetIncomeLoss 0000822416-26-000007unverified
Equity at FY2024 end12121964000.02024-12-31 historySEC XBRL StockholdersEquity 0000822416-26-000043unverified
Net income FY20252218730000.02025-12-31 historySEC XBRL NetIncomeLoss 0000822416-26-000007unverified
Equity at FY2025 end12985442000.02025-12-31 historySEC XBRL StockholdersEquity 0000822416-26-000036unverified
Net income FY2016602703000.02016-12-31 historySEC XBRL NetIncomeLoss 0000822416-19-000008unverified
Net income FY2017447221000.02017-12-31 historySEC XBRL NetIncomeLoss 0000822416-20-000007unverified
Net income FY20181022023000.02018-12-31 historySEC XBRL NetIncomeLoss 0000822416-21-000007unverified
Net income FY20191016700000.02019-12-31 historySEC XBRL NetIncomeLoss 0000822416-22-000007unverified
Net income FY20201406839000.02020-12-31 historySEC XBRL NetIncomeLoss 0000822416-23-000007unverified
Net income FY20211946320000.02021-12-31 historySEC XBRL NetIncomeLoss 0000822416-24-000010unverified
Net income FY20222617317000.02022-12-31 historySEC XBRL NetIncomeLoss 0000822416-25-000007unverified
Net income FY20232602372000.02023-12-31 historySEC XBRL NetIncomeLoss 0000822416-26-000007unverified
Net income FY20243083262000.02024-12-31 historySEC XBRL NetIncomeLoss 0000822416-26-000007unverified
Net income FY20252218730000.02025-12-31 historySEC XBRL NetIncomeLoss 0000822416-26-000007unverified
debt_incl_current43900000.02025-12-31 staleSEC XBRL LongTermDebt (companyfacts) 0000822416-26-000007unverified
Operating cash flow FY20211004021000.02021-12-31 historySEC XBRL NetCashProvidedByUsedInOperatingActivities 0000822416-24-000010unverified
Capital expenditure FY202172781000.02021-12-31 historySEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0000822416-24-000010unverified
Operating cash flow FY2022668466000.02022-12-31 historySEC XBRL NetCashProvidedByUsedInOperatingActivities 0000822416-25-000007unverified
Capital expenditure FY2022112661000.02022-12-31 historySEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0000822416-25-000007unverified
Operating cash flow FY20232196762000.02023-12-31 historySEC XBRL NetCashProvidedByUsedInOperatingActivities 0000822416-26-000007unverified
Capital expenditure FY202392201000.02023-12-31 historySEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0000822416-26-000007unverified
Operating cash flow FY20241680794000.02024-12-31 historySEC XBRL NetCashProvidedByUsedInOperatingActivities 0000822416-26-000007unverified
Capital expenditure FY2024118545000.02024-12-31 historySEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0000822416-26-000007unverified
Operating cash flow FY20251871249000.02025-12-31 historySEC XBRL NetCashProvidedByUsedInOperatingActivities 0000822416-26-000007unverified
Capital expenditure FY2025122716000.02025-12-31 historySEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0000822416-26-000007unverified
Shares outstanding184086754.02026-10-15SEC cover page 10-Q 0000822416-26-000043 (184,086,754 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/822416/000082241626000043/phm-20260930.htm 0000822416-26-000043not cross-checked

Lynch GARP

96 of 100. ok. How this is scored.

Test or factorValueThresholdPoints
1 PEG: P/E divided by 5-yr EPS growth (in % points)0.66<= 1.030.0 / 30
2 EPS growth, 5-yr compound rate+16.5% a year12% to 35% a year20.0 / 20
3 P/E on latest annual EPS10.9<= 2510.0 / 10
4 Borrowings / equity LongTermDebt (incl. current maturities)0.0<= 0.515.0 / 15
5 Years of the last 5 in which EPS rose4 of 55 of 512.0 / 15
6 Net cash (cash minus borrowings) / market cap+5.9%>= +10%8.8 / 10
Inputs, 6 numbers with their sources
InputValuePeriodSourceCheck
Price (close, per traded unit)121.192026-10-23Alpaca Market Data (consolidated SIP daily bar)not cross-checked
EPS diluted FY202511.122025-12-31 historySEC XBRL EarningsPerShareDiluted 0000822416-26-000007unverified
EPS diluted FY20205.182020-12-31 historySEC XBRL EarningsPerShareDiluted 0000822416-23-000007unverified
debt_incl_current43900000.02025-12-31 staleSEC XBRL LongTermDebt (companyfacts) 0000822416-26-000007unverified
equity13095961000.02026-09-30SEC XBRL StockholdersEquity (companyfacts) 0000822416-26-000043unverified
cash1369902000.02026-09-30SEC XBRL CashAndCashEquivalentsAtCarryingValue (companyfacts) 0000822416-26-000043unverified

Graham Enterprising

47 of 100. partial: 1, 2, 7. How this is scored.

Test or factorValueThresholdPoints
1 Current ratio no fresh current assets/liabilities (unclassified balance sheet)—>= 1.5None / 15
2 Borrowings vs working capital no fresh current assets/liabilities—<= 1.1xNone / 15
3 No earnings deficit in the last 5 years5 of 5 profitable5 of 515.0 / 15
4 Pays a current dividendyesyes10.0 / 10
5 EPS higher than five years earlier5.18 -> 11.12higher10.0 / 10
6 Price / book value per share book value used because intangibles are not separated in the dataset (Graham uses net tangible assets)1.7<= 1.211.6 / 20
7 Price / net current asset value per share (current assets minus all liabilities) needs fresh current assets, total liabilities (or assets and equity of the same date) and share count—<= 0.67None / 15
Inputs, 11 numbers with their sources
InputValuePeriodSourceCheck
Price (close, per traded unit)121.192026-10-23Alpaca Market Data (consolidated SIP daily bar)not cross-checked
Net income FY20211946320000.02021-12-31 historySEC XBRL NetIncomeLoss 0000822416-24-000010unverified
Net income FY20222617317000.02022-12-31 historySEC XBRL NetIncomeLoss 0000822416-25-000007unverified
Net income FY20232602372000.02023-12-31 historySEC XBRL NetIncomeLoss 0000822416-26-000007unverified
Net income FY20243083262000.02024-12-31 historySEC XBRL NetIncomeLoss 0000822416-26-000007unverified
Net income FY20252218730000.02025-12-31 historySEC XBRL NetIncomeLoss 0000822416-26-000007unverified
Dividend years (Yahoo)[2019, 2020, 2021, 2022, 2023, 2024, 2025, 2026] historyYahoo Finance dividend historynot cross-checked
EPS diluted FY202511.122025-12-31 historySEC XBRL EarningsPerShareDiluted 0000822416-26-000007unverified
EPS diluted FY20205.182020-12-31 historySEC XBRL EarningsPerShareDiluted 0000822416-23-000007unverified
equity13095961000.02026-09-30SEC XBRL StockholdersEquity (companyfacts) 0000822416-26-000043unverified
Shares outstanding184086754.02026-10-15SEC cover page 10-Q 0000822416-26-000043 (184,086,754 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/822416/000082241626000043/phm-20260930.htm 0000822416-26-000043not cross-checked

Piotroski F-Score

33 of 100. partial: 5, 6, 8. How this is scored.

Test or factorValueThresholdPoints
1 Return on assets is positive12.3%pass = 111.11111111111111 / 11.11111111111111
2 Operating cash flow is positive1,871Mpass = 111.11111111111111 / 11.11111111111111
3 Return on assets improved on the prior year17.8% -> 12.3%pass = 10.0 / 11.11111111111111
4 Operating cash flow exceeds net income (accruals)1,871M vs 2,219Mpass = 10.0 / 11.11111111111111
5 Long-term debt / assets fell an input is not reported for one of the two years—pass = 1None / 11.11111111111111
6 Current ratio improved an input is not reported for one of the two years—pass = 1None / 11.11111111111111
7 No new shares issued (share count did not rise)195M -> 184Mpass = 111.11111111111111 / 11.11111111111111
8 Operating margin improved (stand-in for gross margin, which the dataset does not carry) an input is not reported for one of the two years—pass = 1None / 11.11111111111111
9 Asset turnover (revenue / assets) improved1.03 -> 0.96pass = 10.0 / 11.11111111111111
Inputs, 15 numbers with their sources
InputValuePeriodSourceCheck
net_income 2025-12-312218730000.02025-12-31 historySEC XBRL NetIncomeLoss 0000822416-26-000007unverified
total_assets 2025-12-3118048423000.02025-12-31 historySEC XBRL Assets 0000822416-26-000036unverified
cfo 2025-12-311871249000.02025-12-31 historySEC XBRL NetCashProvidedByUsedInOperatingActivities 0000822416-26-000007unverified
net_income 2025-12-312218730000.02025-12-31 historySEC XBRL NetIncomeLoss 0000822416-26-000007unverified
net_income 2024-12-313083262000.02024-12-31 historySEC XBRL NetIncomeLoss 0000822416-26-000007unverified
total_assets 2025-12-3118048423000.02025-12-31 historySEC XBRL Assets 0000822416-26-000036unverified
total_assets 2024-12-3117363763000.02024-12-31 historySEC XBRL Assets 0000822416-26-000007unverified
cfo 2025-12-311871249000.02025-12-31 historySEC XBRL NetCashProvidedByUsedInOperatingActivities 0000822416-26-000007unverified
net_income 2025-12-312218730000.02025-12-31 historySEC XBRL NetIncomeLoss 0000822416-26-000007unverified
shares_out 2026-10-15184086754.02026-10-15 historySEC XBRL EntityCommonStockSharesOutstanding (companyfacts) 0000822416-26-000043unverified
shares_out 2025-10-15194916877.02025-10-15 historySEC XBRL EntityCommonStockSharesOutstanding 0000822416-25-000061unverified
revenue 2025-12-3117311953000.02025-12-31 historySEC XBRL RevenueFromContractWithCustomerExcludingAssessedTax 0000822416-26-000007unverified
revenue 2024-12-3117946950000.02024-12-31 historySEC XBRL RevenueFromContractWithCustomerExcludingAssessedTax 0000822416-26-000007unverified
total_assets 2025-12-3118048423000.02025-12-31 historySEC XBRL Assets 0000822416-26-000036unverified
total_assets 2024-12-3117363763000.02024-12-31 historySEC XBRL Assets 0000822416-26-000007unverified

Earnings record

SEC XBRL, by fiscal year (named by the calendar year it ends in); EPS split-adjusted to today's shares; each row links to the filing.

FYEndedRevenue, $MNet income, $MEPS dilutedDividendFiling
20132013-12-315,6802,6206.72paid0000822416-16-000048
20142014-12-315,8224741.26paid0000822416-17-000008
20152015-12-315,9824941.36paid0000822416-18-000009
20162016-12-317,6686031.75paid0000822416-19-000008
20172017-12-318,5734471.44paid0000822416-20-000007
20182018-12-3110,1881,0223.55paid0000822416-21-000007
20192019-12-3110,2131,0173.66paid0000822416-22-000007
20202020-12-3111,0361,4075.18paid0000822416-23-000007
20212021-12-3113,7371,9467.43paid0000822416-24-000010
20222022-12-3116,0032,61711.01paid0000822416-25-000007
20232023-12-3116,0622,60211.72paid0000822416-26-000007
20242024-12-3117,9473,08314.69paid0000822416-26-000007
20252025-12-3117,3122,21911.12paid0000822416-26-000007

Insider transactions

SEC Form 4 open-market purchases and sales from the insider data sets; latest 20.

DateInsiderRoleTypeSharesPriceValue
2026-05-27Koart Matthew WilliamCOOsale7,457120.00894,840
2026-05-08Snyder Liladirectorsale3,339117.18391,264