PULTEGROUP INC/MI/

PHM

Quality scores

Data as of Sep 5, 2026

4 / 9

Neutral

4/9 — middling fundamentals (neutral zone).

PassROA > 0 — ROA last year = 12.29 %
PassFCF > 0 — FCF last year = 1,748.53 mill.
FailFCF > net income (accrual quality) — FCF 1,748.53 vs. net income 2,218.73 (mill.)
FailRising ROA — ROA 12.29 % vs. prior year 17.76 %

FailLower long-term leverage — long-term debt/assets 0.00 vs. prior 0.00
PassRising current ratio (more liquidity) — Current ratio 12.64 vs. prior 11.08
PassNo dilution (shares do not grow) — Shares 192.72 mill. vs. prior 202.91 mill.

Z-Score (original)

6.09

Safe zone

Z''-Score (non-manufacturing)

14.59

Safe zone

Ratio	Value
X1 — Working capital / Total assets	0.89
X2 — Retained earnings / Total assets	0.53
X3 — EBIT / Total assets	0.17
X4 — Market cap / Total liabilities	4.63
X4 — Book equity / Total liabilities	2.56
X5 — Sales / Total assets	0.96