WallStSmart

Meritage Corporation (MTH)vsPulteGroup Inc (PHM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PulteGroup Inc generates 204% more annual revenue ($16.41B vs $5.39B). PHM leads profitability with a 11.6% profit margin vs 6.1%. MTH appears more attractively valued with a PEG of 0.54. PHM earns a higher WallStSmart Score of 59/100 (C).

MTH

Buy

57

out of 100

Grade: C

Growth: 2.0Profit: 5.0Value: 7.3Quality: 8.0
Piotroski: 3/9Altman Z: 4.28

PHM

Buy

59

out of 100

Grade: C

Growth: 2.7Profit: 7.0Value: 6.3Quality: 9.0
Piotroski: 4/9Altman Z: 4.61
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MTHUndervalued (+3.2%)

Margin of Safety

+3.2%

Fair Value

$80.63

Current Price

$64.22

$16.41 discount

UndervaluedFair: $80.63Overvalued

Intrinsic value data unavailable for PHM.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MTH4 strengths · Avg: 9.0/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
4.2810/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.548/10

Growing faster than its price suggests

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

PHM4 strengths · Avg: 8.8/10
Altman Z-ScoreHealth
4.6110/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.189/10

Conservative balance sheet, low leverage

P/E RatioValuation
12.3x8/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Areas to Watch

MTH4 concerns · Avg: 2.8/10
Return on EquityProfitability
7.6%3/10

ROE of 7.6% — below average capital efficiency

Profit MarginProfitability
6.1%3/10

6.1% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-13.8%2/10

Revenue declined 13.8%

PHM3 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-9.6%2/10

Revenue declined 9.6%

EPS GrowthGrowth
-18.2%2/10

Earnings declined 18.2%

Free Cash FlowQuality
$-12.85M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : MTH

The strongest argument for MTH centers on Price/Book, Altman Z-Score, PEG Ratio. PEG of 0.54 suggests the stock is reasonably priced for its growth.

Bull Case : PHM

The strongest argument for PHM centers on Altman Z-Score, Debt/Equity, P/E Ratio. PEG of 1.04 suggests the stock is reasonably priced for its growth.

Bear Case : MTH

The primary concerns for MTH are Return on Equity, Profit Margin, Piotroski F-Score.

Bear Case : PHM

The primary concerns for PHM are Revenue Growth, EPS Growth, Free Cash Flow.

Key Dynamics to Monitor

MTH profiles as a value stock while PHM is a declining play — different risk/reward profiles.

MTH carries more volatility with a beta of 1.36 — expect wider price swings.

PHM is growing revenue faster at -9.6% — sustainability is the question.

MTH generates stronger free cash flow (184M), providing more financial flexibility.

Bottom Line

PHM scores higher overall (59/100 vs 57/100). Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Meritage Corporation

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

Meritage Homes Corporation designs and builds single-family homes in the United States. The company is headquartered in Scottsdale, Arizona.

PulteGroup Inc

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

PulteGroup, Inc. (previously known as Pulte Homes) is a home construction company based in Atlanta, Georgia, United States.

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