InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$113.55

2026-10-16

Market Cap

$21.6B

Volume

2.2M

52-Wk High

$144.50

52-Wk Low

$107.16

Trailing PE

11.6

P/S

1.32

Gross Margin

24.5%

Net Margin

11.6%

ROE

15%

ROIC

12%

Piotroski

5/9

Altman Z

5.3

1-Yr Return

-7.5%

5-Yr Return

+274.6%

PulteGroup, Inc. engages in the homebuilding business. The firm is also involved in mortgage banking and title and insurance brokerage operations. It operates through the Homebuilding and Financial services business segments. The Homebuilding segment includes operations from Connecticut, Maryland, Massachusetts, New Jersey, New York, Pennsylvania, Virginia, Georgia, North Carolina, South Carolina, Tennessee, Florida, Illinois, Indiana, Kentucky, Michigan, Minnesota, Missouri, Ohio, Texas, Arizona, California, Nevada, New Mexico, and Washington. The Financial Services segment is composed of mortgage banking and title operations. The company was founded by William J. Pulte in 1950 and is headquartered in Atlanta, GA.

SectorConsumer CyclicalIndustryResidential ConstructionExchangeNYSEMarket Cap$21.6BEmployees6,506 (SEC-filed)CEORyan R. MarshallIPO1980-03-17CountryUS

3350 Peachtree Road NE, Atlanta, GA 30326 · Tel 404 978 6400 · pultegroupinc.com

INSIDERSTREET SCORE48 / 100Street mean $137.62 (13 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALROUTINE SELLING — LOW SIGNAL$1M sold / 6 mo, zero open-market buys

INSIDERSTREET
SCORE48of 100

Score Breakdown

Profitability	45/100
Growth	16/100
Momentum	38/100
Quality	61/100
Earnings Quality	86/100
Balance Sheet	86/100
Value	79/100
Risk (safety)	100/100
Overall	48.0/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
LEN	40
NVR	48
TOL	54
DHI	52
TMHC	51
IBP	37
PHM	48

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 76 in 23 Q3, latest 48 — -28 since. Dropped below the 55 line in 25 Q4, at 51. Fell in 3 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

1 Year vs S&P 500 · PHM -7.5% · S&P 500 +15.9% · spread -23.4pp

7 Years vs S&P 500 · PHM +274.6% · S&P 500 +189.9% · spread +84.8pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

BUSINESS QUALITY48 / 100IS Score 48.0 / 100 · -28.5 from peak of 76

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTUREBEARISHTechnical Score 29 / 100 · Power -42 · 7 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

Both readings sit below the midpoint — business quality at 48 and price structure at 29 out of 100 — so they are not in conflict. The fundamentals and the tape are saying the same thing, which is the case in which either one alone would have been enough.

Trigger	Where it stands now	What it would mean
IS Score reaches 55 and holds two consecutive quarters	now 48.0	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 55 → 51 → 52 → 48	the direction matters more than the level
Technical vote share back above 50%	now 18%	price structure no longer broken
Institutional holder count rises two quarters running	peak 1,047 → now 1,047	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Site Convergence Score3 of 4top 4% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)1 buys2026-09-11

Insider Buys (180d)0none disclosed

ETF Funds (30d)1069 up / 975 downnet +94 funds

Institutions Added (13F)10managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 1,047 · latest 1,047 (+0 from peak).

Quarter	Holders	13F shares	Value	Reported own%	Guard
2026 Q2	1,047	180.0M	$23.6B	93.9%
2026 Q1	1,037	176.5M	$20.0B	92.1%
2025 Q4	1,035	179.0M	$20.3B	93.4%
2025 Q3	987	179.5M	$23.3B	93.7%
2025 Q2	951	185.4M	$19.3B	96.7%
2025 Q1	967	186.3M	$18.8B	97.2%
2024 Q4	988	186.4M	$20.1B	97.2%
2024 Q3	1,008	187.7M	$26.7B	97.9%
2024 Q2	942	186.8M	$20.2B	97.4%
2024 Q1	915	189.7M	$22.5B	98.9%
2023 Q4	872	191.0M	$19.5B	99.7%
2023 Q3	762	200.6M	$14.6B	104.6%	ex-outlier 91.6%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

Why 2023-09 reads 104.63%. Institutions cannot hold more of a company than exists. The reported 200.6M shares exceed the 191.7M outstanding, and a single filer accounts for the excess: VANGUARD GROUP INC reports 25,063,077 shares against 25,788,510 the prior quarter, a 1x jump, which alone would be 13.1% of the company. Excluding that filing, ownership is 91.6%. We publish both figures. 13F filings are due 45 days after quarter end and amendments keep arriving after that, so the newest quarter is provisional by construction - this is what an unsettled quarter looks like.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Blair Bryce	director	2026-07-30	GIFT	7,639	—	126,733
Blair Bryce	director	2026-07-30	GIFT	7,639	—	16,800
Henry Kevin A	EVP and Chief People Officer	2026-06-22	TAX W/H	2,093	$0.26M	12,580
Koart Matthew William	Exec. VP & COO	2026-05-27	SELL	7,457	$0.89M	28,100
Koart Matthew William	Exec. VP & COO	2026-05-18	TAX W/H	6,861	$0.77M	35,557
Snyder Lila	director	2026-05-08	SELL	3,339	$0.39M	3,540
Schall Benjamin	director	2026-04-29	A-Award	1,507	—	1,507
Blair Bryce	director	2026-04-29	A-Award	1,507	—	134,372

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	2	10,796	$1.3M	Counted
F — Tax withholding	2	8,954	$1.0M	None — compensation
G — Gifts	1	7,639	—	None
P — Open-market purchases	0	0	$0	Counted — none occurred

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalRoutine Selling — Low Signal

Open-Market Sells$1.3M2 txns / 6 mo

Open-Market Buys$0.0M0 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Filed	Filer	Shares registered	Est. proceeds
2026-07-30	Peshkin John R.	8,998	$1.2M
2026-05-27	Koart Matthew William	7,457	$0.9M
2026-05-08	Snyder Lila	3,339	$0.4M
2026-02-24	Henry Kevin A	5,173	$0.7M
Trailing 12 mo	9 filings	206,746	$28M

Filed	Form	Reporting person	% of class	Shares
2026-04-30	SCHEDULE 13G	Vanguard Capital Management	7.53%	14.4M sh
2026-04-29	SCHEDULE 13G/A	PUTNAM INVESTMENT MANAGEMENT LLC	5.90%	11.2M sh
2026-03-27	SCHEDULE 13G/A	The Vanguard Group	—	exit/reporting change
2025-11-04	SCHEDULE 13G/A	Rupert H. Johnson, Jr.	—	exit/reporting change

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Member	Chamber	Trade	Size band	Traded	Disclosed
Ro Khanna	House	BUY	$15,001 - $50,000	2026-09-11	2026-10-09
Jefferson Shreve	House	SELL	$15,001 - $50,000	2025-05-11	2025-06-23
Jefferson Shreve	House	BUY	$15,001 - $50,000	2025-02-24	2025-03-10
Tommy Tuberville	Senate	SELL	$1,001 - $15,000	2024-04-04	2024-05-15
Tommy Tuberville	Senate	SELL	$1,001 - $15,000	2024-04-04	2024-05-14
Thomas Hawley Tuberville	Senate	SELL	$1,001 - $15,000	2024-04-04	2024-05-14

House 12-Mo1 trades1 purchases

Senate 12-Mo0 tradesNone purchases

CoverageSTOCK Act filings30-45 day disclosure lag

13F Filers (last complete Q)1,037

13F Shares176M92.1% of shares out

New / Closed113 / 91positions, QoQ

Increased / Reduced389 / 377positions, QoQ

Put/Call (13F)1.09option positions

Free Float97.7%186M sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Assenagon Asset Management S.A.	337,442	$39M
Vontobel Holding Ltd.	251,931	$29M
Northcrest Asset Manangement, Llc	109,045	$12M
Fjarde Ap-Fonden /Fourth Swedish N	61,003	$7M
Mn Services Vermogensbeheer B.V.	56,456	$7M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.0%	$691M
VTI	0.0%	$691M
VTSAX	0.0%	$691M
VSMPX	0.0%	$691M
VFFSX	0.0%	$571M
VFINX	0.0%	$571M

13F Filers Holding PHM — quarterly

Institutional Put/Call — quarterly

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session37.0%2026-10-15

20-Day Avg55.0%50-day 61.9%

TrendFalling20d vs 50d

By Market CenterQ: 37% · N: 41% · B: 46%latest session

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Weekly Notional ($B)

Where PHM Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	2.5M	44 sh
Ubsa Ubs Ats	1.7M	46 sh
Sgmt Sigma X2	1.3M	36 sh
Ebxl Level Ats	1.2M	27 sh
Mstx Ms Trajectory Cross (Ats-1)	0.9M	30 sh
Mspl Ms Pool (Ats-4)	0.9M	146 sh

Where a dollar of PulteGroup, Inc. revenue goes. All values FY2025 filings, live.

Region	Revenue	Share
Florida Geographic	$4.3B	25%
West	$3.9B	23%
Southeast	$3.0B	18%
MidWest	$2.7B	16%
Texas Geographic	$1.7B	10%
Northeast	$1.2B	7%

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

PHM (live moat model)Peer median: LEN · NVR · TOL · DHI · TMHC

Component scores from the live moat model. Peer median illustrative.

Moat score 50/100 — Weak; primary source Efficient Scale.

3.8 · Employees (SEC filings)

Officer	Title
Ryan R. Marshall	President, Chief Executive Officer & Director
Matthew Koart	Executive Vice President & Chief Operating Officer
James L. Ossowski	Executive Vice President & Chief Financial Officer
Todd N. Sheldon	Executive Vice President, General Counsel & Corporate Secretary

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Quarterly EPS — Actual vs. Consensus

Beats (>2%)4 of 6recent quarters

Avg Surprise+1.1%

Next Report2026-10-22

Income Quality0.85OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

Profit Margins (%)

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	+24.5%	+16.5%	+0.4%	+11.7%	-3.5%
Gross profit	+36.1%	+27.8%	-2.4%	+10.6%	-12.4%
Operating income	+46.4%	+34.6%	-1.3%	+14.5%	-22.9%
Net income	+38.3%	+34.5%	-0.6%	+18.5%	-28.0%

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	13.7	16.0	16.1	17.9	17.3
Cost of revenue	10.0	11.2	11.3	12.7	12.7
Gross profit	3.8	4.8	4.7	5.2	4.6
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	1.2	1.4	1.3	1.3	0.0
Operating income	2.6	3.4	3.4	3.9	3.0
EBITDA	2.6	3.5	3.5	4.1	3.0
D&A	0.1	0.1	0.1	0.1	0.1
Pretax income	2.5	3.4	3.4	4.0	2.9
Income tax	0.6	0.8	0.8	0.9	0.7
Net income	1.9	2.6	2.6	3.1	2.2
Diluted EPS ($)	7.43	11.01	11.72	14.69	11.12
Diluted shares (M)	260	236	221	210	200

Operating CF$2B

CapEx$0B

Free cash flow$2B

SBC$0B

Buybacks$1B

Net cash change$0B

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	1.1	1.8	1.6	2.0
ST investments	0.7	0.5	0.6	0.0
Receivables (net)	0.3	0.2	0.3	0.3
Total current assets	14.1	15.4	16.6	15.2
PP&E (net)	0.3	0.3	0.3	0.3
Goodwill + intangibles	0.1	0.1	0.1	0.1
Total assets	14.8	16.1	17.4	18.0
Accounts payable	0.6	0.6	0.7	0.7
Short-term debt	0.0	0.0	0.0	0.6
Deferred revenue	0.8	0.7	0.5	0.4
Total current liabilities	1.6	1.6	1.5	2.6
Long-term debt	2.6	2.5	2.1	1.7
Total liabilities	5.9	5.7	5.2	5.1
Shareholders' equity	8.9	10.4	12.1	13.0

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	2.6	2.6	3.1	2.2
D&A	0.1	0.1	0.1	0.1
Stock-based compensation	0.0	0.0	0.1	0.1
Working capital change	(2.2)	(0.7)	(1.7)	(0.7)
Operating cash flow	0.7	2.2	1.7	1.9
Capital expenditures	(0.1)	(0.1)	(0.1)	(0.1)
Investing cash flow	(0.2)	(0.1)	(0.1)	(0.1)
Buybacks	(1.1)	(1.0)	(1.2)	(1.2)
Dividends paid	(0.1)	(0.1)	(0.2)	(0.2)
Debt issuance / (repay)	(0.0)	(0.2)	(0.3)	(0.0)
Financing cash flow	(1.2)	(1.3)	(1.8)	(1.4)
Free cash flow	0.6	2.1	1.6	1.7

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Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	27.7%	31.9%	27.0%	27.4%	17.7%	15%
ROA	15.2%	18.6%	16.9%	18.4%	12.5%	10.4%
ROIC	26.4%	26.4%	24.1%	24.7%	17.0%	11.6%
Gross margin	27.5%	30.2%	29.4%	29.1%	26.4%	24.5%
Operating margin	18.6%	21.5%	21.1%	21.7%	17.3%	14.6%
Net margin	14.2%	16.4%	16.2%	17.2%	12.8%	11.6%
EBITDA margin	18.8%	21.9%	22.0%	22.8%	17.5%	14.8%
FCF margin	6.7%	3.5%	13.1%	8.7%	10.1%	—
VALUATION
P/E	7.13	3.87	8.43	7.22	10.35	11.6
P/B	1.85	1.14	2.11	1.84	1.77	1.7
P/S	1.00	0.63	1.37	1.24	1.33	1.32
P/FCF	14.91	18.25	10.43	14.26	13.13	14.3
EV/EBITDA	5.39	3.17	6.28	5.44	7.72	9.3
EV/Revenue	1.00	0.69	1.38	1.24	1.35	1.4
Earnings yield	14.0%	25.8%	11.9%	13.8%	9.7%	8.76%
FCF yield	6.7%	5.5%	9.6%	7.0%	7.6%	6.99%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	7.85	8.82	9.87	11.08	5.91	5.27
Quick ratio	2.26	1.74	2.30	2.62	0.88	0.65
Debt / equity	0.37	0.31	0.25	0.19	0.19	0.18
Debt / assets	20.6%	18.4%	15.9%	13.0%	13.3%	12.6%
Net debt / EBITDA	0.01	0.28	0.07	0.00	0.13	0.40
Interest coverage	4990.75	12112.12	7355.51	8364.00	4812.55	—

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	1.09	1.14	1.04	1.07	0.98	0.90
Receivables turnover	219.35	317.98	454.53	1070.15	133.72	65.1
DSO (days)	2	1	1	0	3	—
DPO (days)	20	19	19	19	21	21
Cash conversion cycle	283	312	354	332	350	383
GROWTH (YoY)
Revenue growth	26.2%	15.6%	-0.2%	11.7%	-3.5%	—
Net income growth	38.3%	34.5%	-0.6%	18.5%	-28.0%	—
EPS growth	47.1%	48.7%	5.1%	24.0%	-24.2%	—
FCF growth	-46.0%	-40.3%	278.7%	-25.8%	11.9%	—
PER SHARE ($)
EPS (diluted, TTM)	7.72	11.47	12.06	14.95	11.33	9.94
Book value / share	29.69	39.08	48.12	58.79	66.33	67.88
Revenue / share	55.22	70.56	74.44	87.05	88.43	85.58
FCF / share	3.69	2.44	9.75	7.58	8.93	7.89
Cash / share	10.81	7.59	10.76	10.88	10.26	9.83
SHAREHOLDER RETURN & SCORES
Buyback yield	6.5%	10.7%	4.6%	5.5%	5.3%	4.96%
Altman Z-Score	4.52	4.43	5.65	6.09	5.79	5.3
Piotroski F-Score	7	8	6	7	3	5/9
Beneish M-Score	-2.00	-1.93	-2.45	-1.89	-0.31	-2.33

Model	Score	Zone	Note
Piotroski F-Score	5 / 9	Middling
Altman Z-Score	5.3	Safe (>2.99)	Safe
Income quality	0.85	Accrual-heavy	OCF ÷ net income
Beneish M-Score	-2.33	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.76
Interest burden	1.08
Operating margin	14.1%
Asset turnover	0.92×
Financial leverage	1.40×
= ROE	15%

Growth Quality (live)	Value
Revenue stability	0.61
Earnings stability	0.09
Earnings persistence	0.88
Revenue CAGR 3y	-0.8%
EPS CAGR 3y	-7.4%
FCF CAGR 3y	-7.7%

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Buyback Yield4.96%

Dividend Yield0.92%

Total Shareholder Return5.67%cash yield

SBC / Revenue0.4%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
LEN	$18.3B	14.6	6%	3.5%	-8.1%	5/9	-35.9%
NVR	$15.9B	14.6	32%	10.2%	-10.6%	3/9	-22.2%
TOL	$12.3B	10.7	14%	10.5%	-1.1%	4/9	+0.3%
DHI	$39.0B	13.2	13%	9.8%	-3.5%	5/9	-7.8%
TMHC	$6.7B	10.6	11%	7.2%	-9.0%	4/9	—
IBP	$4.9B	19.9	38%	8.3%	+0.3%	4/9	—
MDC	$4.7B	54.8	3%	2.2%	+5346.9%	4/9	—
SKY	$4.2B	22.6	12%	6.9%	+4.5%	7/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Hold

44 Analysts

Str Sell (0)Sell (3)Hold (21)Buy (20)Str Buy (0)

Mean Target (qtr)$137.6213 targets

Target vs. Price+21.2%last-quarter mean

Next Report2026-10-22street $2.65

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$16.34B	$16.50B / $16.16B	$10.06	$10.32 / $9.74	11
FY2027	$16.90B	$17.16B / $16.49B	$10.92	$11.38 / $10.26	11
FY2028	$17.95B	$19.26B / $17.20B	$12.43	$13.80 / $10.72	4

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$130.60	+15.0%	5
Last Quarter	$137.62	+21.2%	13
Last Year	$137.96	+21.5%	26
All Time	$107.94	-4.9%	61

Rolling mean of published targets vs. last close $113.55. Aggregated from StreetInsider, Benzinga, Pulse 2.0.

Third-Party Composite Rating

A

DCF

3/5

ROE

4/5

ROA

5/5

Debt/Eq

4/5

P/E

3/5

P/B

3/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

PHM -7.5% vs S&P 500 +15.9% — spread -23.4pp

Sector — XLY -3.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$115.52	-1.97	-1.71%	Below
SMA 50	$121.28	-7.73	-6.37%	Below
SMA 200	$123.85	-10.30	-8.32%	Below
EMA 9	$112.91	+0.64	+0.57%	Above
EMA 21	$115.19	-1.64	-1.42%	Below
EMA 50	$119.13	-5.58	-4.68%	Below
EMA 200	$122.09	-8.54	-6.99%	Below

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTBEARISHPower Score -427 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%0

Momentum 25%30

Volume 20%69

Volatility 10%0

Patterns 15%50

This Week18% bullishof 11 price-based votes

4 Weeks Ago9%+9 pts since

12 Weeks Ago18%+0 pts since

ReadImprovingweek-over-week trajectory

Price vs SMA 20$115.52

Price vs SMA 50$121.28

Price vs SMA 200$123.85

EMA 9/21 Cross112.9/115.2

SMA 50/200Death

ADX DirectionADX 19

Supertrend$118

Parabolic SAR$116

SMA Slope-0.190

RSI43.9

Stochastic K/D36/23

StochRSI K/D61/32

Williams %R-49

CCI-39

TSI vs Signal-22.1

CMO-12.3

ROC-1.88%

OBV SignalAccum

Chaikin MF0.030

MFI45

Force Index0M

Elder Ray Bull0.18

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 23

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$112.77 / $114.21 / $115.44	S1 / S2	$111.54 / $110.10
Bollinger (20,2)	$108.77 – $122.28	Squeeze	Off
52-wk range	$107.16 – $143.56	Off 52-wk high	-20.9%
ATR (14)	$3.21 (2.8%)	Historical vol	28.4%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

+7.3%Jan75%

-2.4%Feb45%

+1.3%Mar67%

+4.0%Apr55%

-1.4%May50%

-2.0%Jun45%

+4.1%Jul55%

+0.8%Aug50%

-2.6%Sep45%

-0.2%Oct55%

+3.6%Nov80%

+2.7%Dec60%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	PHM	S&P 500
Weekly volatility (σ, 1y)	4.40%	1.83%
Best / worst week (1y)	+11.2% / -10.4%	—
Max drawdown (5y, monthly)	-57.5%	—
1-week VaR (95%)	-6.8%	—
Beta (5y)	1.20	1.00

PHM EQUITY WEATHER (LIVE)RAINY · -39

Trend-46

Momentum-19

Volume-41

Volatility-60

Breadth-31

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 230 stories, weekly buckets, −1 to +1.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall-38.9-15.9 vs industry

Trend-46.1-9.3 vs industry

Momentum-19.0-0.7 vs industry

Volume-40.9-45.0 vs industry

Reading	PHM	Residential Construction n=146	Consumer Cyclical n=5,686	All US symbols n=70,435
Overall	-38.9	-23.0	-20.5	-20.5
Trend	-46.1	-36.8	-25.1	-21.3
Momentum	-19.0	-18.2	-15.0	-15.8
Volume	-40.9	+4.1	-10.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
RYAN R. MARSHALL President and CEO	$15.4M	93% equity+incentive
MATTHEW KOART EVP & COO	$5.7M	83% equity+incentive
ROBERT T. O’SHAUGHNESSY Former EVP & CFO	$4.2M	80% equity+incentive
JAMES L. OSSOWSKI EVP & CFO	$3.9M	83% equity+incentive
TODD N. SHELDON EVP GC & Corp Secretary	$2.7M	76% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	50
Social	51
Governance	60
Composite ESG	54

Composite ESG Trend

Filed	8-K contents	Items
2026-08-12	Material Agreement; Financial Obligation; Exhibits	1.01,2.03,9.01
2026-07-22	Earnings Release; Exhibits	2.02,9.01
2026-05-01	Shareholder Vote	5.07
2026-04-23	Earnings Release; Other Events; Exhibits	2.02,8.01,9.01
2026-02-20	Entry into Material Definitive Agreement; Financial Statements and Exh	1.01,9.01
2026-02-11	Other Events; Financial Statements and Exhibits	8.01,9.01
2026-02-09	Departure/Election of Directors; Appointment of Officers; Financial St	5.02,9.01
2026-01-29	Results of Operations and Financial Condition; Financial Statements an	2.02,9.01

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2020-07-23 to 2026-04-23
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	114 rows · 1998 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-04-29 to 2026-07-30
Proposed sales (Form 144)	edgar/form144	1 record
Beneficial ownership (13D/G)	edgar/13dg	4 rows · 2025-11-04 to 2026-04-30
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

PulteGroup, Inc. (PHM)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

PulteGroup, Inc. (PHM)

PulteGroup, Inc. (PHM)

Institutions holding — 12 quarters

PulteGroup, Inc. (PHM)

Monthly Net Insider Flow (000 shares)

Signal Summary

PulteGroup, Inc. (PHM)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding PHM — quarterly

Institutional Put/Call — quarterly

PulteGroup, Inc. (PHM)

Where PHM Trades in the Dark

PulteGroup, Inc. (PHM)

3.8 · Employees (SEC filings)

PulteGroup, Inc. (PHM)

PulteGroup, Inc. (PHM)

PulteGroup, Inc. (PHM)

Balance Sheet — Full

Cash Flow Statement — Full

PulteGroup, Inc. (PHM)

PulteGroup, Inc. (PHM)

PulteGroup, Inc. (PHM)

PulteGroup, Inc. (PHM)

Street Price Target — Trajectory

Third-Party Composite Rating

PulteGroup, Inc. (PHM)

PulteGroup, Inc. (PHM)

Family Scores (site weights)

PulteGroup, Inc. (PHM)

PulteGroup, Inc. (PHM)

PulteGroup, Inc. (PHM)