PHMNEUTRAL

PHM Debt-to-Equity Ratio Analysis

0.18x

Higher than 28% of Consumer Cyclical sector peers

Updated 26h ago·SEC filings & market data

Key Takeaway

PulteGroup’s Debt-to-Equity Ratio of 0.18x means the company has $0.18 of debt for every $1 of shareholders’ equity, indicating a low reliance on borrowed funds.

Sector Performance

28th percentile

PHM

0.18x

Sector Median

0.47x

Sector Avg

1.52x

Prior Period

0.19x(Apr 2026)

↑ Improving

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Deep Analysis

PulteGroup’s Debt-to-Equity Ratio of 0.18x means the company has $0.18 of debt for every $1 of shareholders’ equity, indicating a low reliance on borrowed funds.

This sits well below the sector median of 0.47x, and the 27th percentile rank shows the company uses less debt than about 73% of its Consumer Cyclical peers. Trend data is not available: both the year-over-year and quarter-over-quarter changes are listed as N/A, so no direction can be determined from recent movements. The combination of a very low debt level and the absence of a trend implies that leverage risk is currently minimal, but there is no recent change to suggest an improving or deteriorating financial position. This metric supports the overall NEUTRAL verdict: the conservative debt profile is a positive factor, but it does not alone shift the view from neutral given the lack of trend information.

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 28th percentile.

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

The closest Consumer Cyclical peers by Debt-to-Equity Ratio include: BBY (0.38x), BABA (0.25x), LI (0.14x), YETI (0.11x), TSLA (0.11x).

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Learn More About Debt-to-Equity Ratio

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Learn how to spot a debt problem in stocks using D/E, interest coverage, and net debt/EBITDA ratios. Real examples from META and MSFT, plus danger thresholds you need to know.

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.