WallStSmart

PulteGroup Inc (PHM)vsUnited Homes Group Inc. (UHG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PulteGroup Inc generates 4157% more annual revenue ($17.31B vs $406.69M). PHM leads profitability with a 12.8% profit margin vs -4.0%. PHM earns a higher WallStSmart Score of 61/100 (C+).

PHM

Buy

61

out of 100

Grade: C+

Growth: 2.7Profit: 7.5Value: 7.3Quality: 6.0
Piotroski: 3/9

UHG

Hold

40

out of 100

Grade: D

Growth: 2.7Profit: 2.5Value: 5.0Quality: 6.0
Piotroski: 4/9Altman Z: 2.46
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PHMSignificantly Overvalued (-84.2%)

Margin of Safety

-84.2%

Fair Value

$75.62

Current Price

$118.18

$42.56 premium

UndervaluedFair: $75.62Overvalued

Intrinsic value data unavailable for UHG.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PHM2 strengths · Avg: 9.0/10
P/E RatioValuation
10.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

UHG1 strengths · Avg: 10.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Areas to Watch

PHM3 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-6.3%2/10

Revenue declined 6.3%

EPS GrowthGrowth
-42.1%2/10

Earnings declined 42.1%

UHG4 concerns · Avg: 3.0/10
EPS GrowthGrowth
2.8%4/10

2.8% earnings growth

Market CapQuality
$68.83M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
1.2%3/10

Operating margin of 1.2%

Return on EquityProfitability
-26.2%2/10

ROE of -26.2% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : PHM

The strongest argument for PHM centers on P/E Ratio, Price/Book. PEG of 1.02 suggests the stock is reasonably priced for its growth.

Bull Case : UHG

The strongest argument for UHG centers on Price/Book.

Bear Case : PHM

The primary concerns for PHM are Piotroski F-Score, Revenue Growth, EPS Growth.

Bear Case : UHG

The primary concerns for UHG are EPS Growth, Market Cap, Operating Margin. Debt-to-equity of 2.82 is elevated, increasing financial risk.

Key Dynamics to Monitor

PHM profiles as a declining stock while UHG is a turnaround play — different risk/reward profiles.

PHM carries more volatility with a beta of 1.30 — expect wider price swings.

PHM is growing revenue faster at -6.3% — sustainability is the question.

PHM generates stronger free cash flow (740M), providing more financial flexibility.

Bottom Line

PHM scores higher overall (61/100 vs 40/100). Both earn "Buy" and "Hold" 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.

United Homes Group Inc.

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

United Homes Group, Inc. is a homebuilder in the Southeast that provides affordable homes for the entry-level and first move-up byer segments. The company is headquartered in Irmo, South Carolina.

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