WallStSmart

PulteGroup Inc (PHM)vsSea Ltd (SE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sea Ltd generates 69% more annual revenue ($27.72B vs $16.41B). PHM leads profitability with a 11.6% profit margin vs 5.9%. SE appears more attractively valued with a PEG of 1.04. PHM earns a higher WallStSmart Score of 59/100 (C).

PHM

Buy

59

out of 100

Grade: C

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

SE

Buy

56

out of 100

Grade: C

Growth: 8.7Profit: 5.5Value: 6.7Quality: 6.5
Piotroski: 6/9Altman Z: 1.53
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for PHM.

SEUndervalued (+56.1%)

Margin of Safety

+56.1%

Fair Value

$260.75

Current Price

$106.24

$154.51 discount

UndervaluedFair: $260.75Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

SE3 strengths · Avg: 9.0/10
Revenue GrowthGrowth
48.1%10/10

Revenue surging 48.1% year-over-year

Market CapQuality
$65.07B9/10

Large-cap with strong market position

Free Cash FlowQuality
$1.15B8/10

Generating 1.1B in free cash flow

Areas to Watch

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

SE3 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.534/10

Distress zone — elevated risk

Profit MarginProfitability
5.9%3/10

5.9% margin — thin

P/E RatioValuation
41.5x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : SE

The strongest argument for SE centers on Revenue Growth, Market Cap, Free Cash Flow. Revenue growth of 48.1% demonstrates continued momentum. PEG of 1.04 suggests the stock is reasonably priced for its growth.

Bear Case : PHM

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

Bear Case : SE

The primary concerns for SE are Altman Z-Score, Profit Margin, P/E Ratio. A P/E of 41.5x leaves little room for execution misses.

Key Dynamics to Monitor

PHM profiles as a declining stock while SE is a hypergrowth play — different risk/reward profiles.

SE carries more volatility with a beta of 1.52 — expect wider price swings.

SE is growing revenue faster at 48.1% — sustainability is the question.

SE generates stronger free cash flow (1.1B), providing more financial flexibility.

Bottom Line

PHM scores higher overall (59/100 vs 56/100). SE offers better value entry with a 56.1% margin of safety. 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.

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.

Sea Ltd

CONSUMER CYCLICAL · INTERNET RETAIL · USA

Sea Limited is engaged in the digital entertainment, e-commerce and digital financial services businesses in Southeast Asia, Latin America, the rest of Asia and internationally. The company is headquartered in Singapore.

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