PHMNEUTRAL

PHM Debt-to-Equity Ratio Analysis

0.18x

Higher than 23% of Consumer Cyclical sector peers

Updated 1813h ago·SEC filings & market data

Key Takeaway

A debt-to-equity ratio of 0.18x means PulteGroup uses 18 cents of debt for every $1 of shareholders’ equity, indicating a low reliance on borrowing.

Sector Performance

23th percentile

PHM

0.18x

Sector Median

0.47x

Sector Avg

2.02x

Prior Period

0.19x(Apr 2026)

↑ Improving

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Deep Analysis

A debt-to-equity ratio of 0.18x means PulteGroup uses 18 cents of debt for every $1 of shareholders’ equity, indicating a low reliance on borrowing.

Compared to sector peers, this is below the Consumer Cyclical median of 0.47x, placing PulteGroup in the 29th percentile among those peers—meaning most competitors carry more debt relative to equity. The trend data is N/A, with no year-over-year or quarter-over-quarter change provided, so there is no evidence of deleveraging or increased borrowing over recent periods. The combination of a low leverage level and unavailable trend data suggests limited balance-sheet risk, but also no demonstrated momentum in how the company manages debt. This metric supports the overall NEUTRAL verdict: the low debt level is a positive, yet the lack of trend clarity and the middle-of-the-pack percentile prevent a more bullish or bearish tilt.

Frequently Asked Questions

What does the Debt-to-Equity Ratio tell investors about PHM?

Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.

How is the Debt-to-Equity Ratio calculated?

Debt-to-Equity Ratio is calculated as: Total Debt / Shareholders' Equity.

How does PHM's Debt-to-Equity Ratio compare to its sector?

PHM's Debt-to-Equity Ratio of 0.18x compares to a Consumer Cyclical sector median of 0.47x, placing it in the 23th percentile.

Who are PHM's closest peers by Debt-to-Equity Ratio?

The closest Consumer Cyclical peers by Debt-to-Equity Ratio include: BOOT (0.59x), CAVA (0.62x), BWA (0.69x), GME (0.71x), SG (0.73x).

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Learn More About Debt-to-Equity Ratio

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Debt/Equity Ratio: How Much Debt Is Too Much?

The debt to equity ratio explained: why context, interest coverage, and sector norms matter far more than the raw number when assessing debt risk.

The Formula

Total Debt / Shareholders' Equity

Why It Matters

Shows how much a company is financing its operations through debt vs shareholder funds. High D/E can amplify returns — and losses.