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PHM vs LEN vs NVR

161 measures in 16 categories, one definition each, computed from filings and market data.

PHM48.0

PulteGroup, Inc.

Consumer Cyclical · Residential Construction

$113.55 +0.50%$21.6B mkt cap

Score DNA

LEN39.8

Lennar Corporation

Consumer Cyclical · Residential Construction

$77.08 −0.79%$18.3B mkt cap

Score DNA

NVR48.1

NVR, Inc.

Consumer Cyclical · Residential Construction

$5,919.82 −0.36%$15.9B mkt cap

Score DNA

Price, rebased to 100 three years ago

PHM LEN NVR · weekly adjusted closes

Smart money 8 Valuation 16 Profitability (TTM) 12 Returns on capital 11 Growth 17 Margin history & stability 7 Liquidity (latest quarter) 7 Leverage & solvency (latest quarter) 13 Efficiency 11 Cash flow & earnings quality 7 Dividends & buybacks 9 Scores & forensic checks 15 Per share 7 Size (TTM) 8 Price performance 9 Technicals 4

● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.

Smart money

8 measures

Measure	PHM	LEN	NVR
Insider open-market buys, 180d	0	45	2
Insider $ bought, 180d	—	$595.29M	$0.48M
Congress purchases, 180d	1	2	2
Last Congress purchase	2026-09-11	2026-08-10	2026-09-11
13F net change in holders	+10	+1	+33
ETFs adding shares, 30d	1,060	768	554
ETFs trimming, 30d	952	762	550
Net ETF funds, 30d	+108	+6	+4

Valuation

16 measures

Measure	PHM	LEN	NVR
P/E (TTM)	11.3x 22nd	14.0x 61st	13.9x 56th
PEG (P/E ÷ 3-yr EPS CAGR)	—	—	—
Price / sales	1.3x 68th	0.6x 26th	1.7x 89th
Price / book	1.7x 74th	0.9x 37th	4.7x 95th
Price / tangible book	2.1x 83rd	1.1x 39th	5.8x 100th
Price / free cash flow	14.3x 35th	20.2x 71st	15.2x 41st
Price / operating cash flow	13.3x 39th	17.6x 67th	14.9x 56th
Enterprise value	$22.0B 95th	$21.5B 84th	$15.7B 79th
EV / sales	1.3x 68th	0.7x 11th	1.7x 89th
EV / EBITDA	9.1x 28th	10.7x 50th	10.3x 44th
EV / EBIT	9.5x 17th	11.3x 50th	10.5x 33rd
EV / free cash flow	14.6x 29th	23.7x 71st	15.0x 35th
Earnings yield	8.8% 79th	7.2% 42nd	7.2% 47th
FCF yield	7.0% 68th	5.0% 37th	6.6% 63rd
Operating cash flow yield	7.5% 63rd	5.7% 37th	6.7% 47th
Graham number (per share)	$121.88 72nd	$106.09 61st	$3,249.28 100th

Profitability (TTM)

12 measures

Measure	PHM	LEN	NVR
Gross margin	24.5% 68th	9.5% 0th	22.2% 47th
EBITDA margin	14.8% 74th	6.3% 37th	16.1% 84th
Operating margin	14.6% 74th	5.3% 26th	14.9% 79th
EBIT margin	14.1% 79th	5.9% 37th	15.9% 89th
Net margin	11.6% 84th	4.1% 32nd	12.1% 89th
NOPAT margin	11.2% 74th	4.0% 21st	11.5% 79th
FCF margin	9.2% 68th	2.8% 26th	11.1% 95th
Operating cash flow margin	9.9% 68th	3.3% 26th	11.3% 89th
R&D / revenue	0.0% 0th	0.0% 0th	0.0% 0th
SG&A / revenue	7.1% 11th	4.1% 0th	7.3% 16th
Stock comp / revenue	0.4% 33rd	0.4% 56th	0.7% 89th
Effective tax rate	23.6% 58th	25.8% 89th	23.0% 47th

Returns on capital

11 measures

Measure	PHM	LEN	NVR
ROE (on average equity)	14.9% 79th	5.9% 32nd	31.5% 95th
ROA	10.6% 79th	3.8% 32nd	20.0% 100th
ROIC	13.6% 63rd	5.1% 26th	33.3% 100th
ROCE	15.1% 74th	6.0% 37th	33.6% 100th
Return on tangible assets	12.9% 79th	5.6% 37th	26.2% 100th
Cash ROIC (OCF / invested capital)	12.1% 74th	4.2% 32nd	32.9% 95th
Gross profitability (GP / assets)	22.0% 63rd	9.1% 11th	38.3% 95th
ROIC, 3-yr average	16.1% 68th	7.4% 21st	31.0% 100th
ROIC, 5-yr average	22.7% 79th	11.5% 21st	38.3% 95th
ROE, 5-yr average	23.8% 74th	13.6% 16th	40.5% 100th
Incremental ROIC	-42.9% 26th	30.5% 68th	20.5% 63rd

Growth

17 measures

Measure	PHM	LEN	NVR
Revenue growth (TTM YoY)	-7.3% 63rd	-8.1% 53rd	-10.6% 26th
Revenue growth (QoQ)	16.9% 53rd	1.3% 0th	23.7% 79th
Revenue CAGR, 3 yr	-0.8% 47th	-1.5% 32nd	-2.0% 26th
Revenue CAGR, 5 yr	6.0% 74th	4.6% 53rd	1.7% 37th
Gross profit CAGR, 3 yr	-6.9% 47th	-27.5% 0th	-6.9% 42nd
Operating income CAGR, 3 yr	-12.7% 56th	-31.7% 17th	-10.1% 61st
Net income growth (TTM YoY)	-30.5% 56th	-51.1% 28th	-24.9% 61st
Net income CAGR, 3 yr	-11.6% 67th	-30.5% 17th	-10.9% 72nd
EPS growth (TTM YoY)	-28.0% 56th	-47.5% 28th	-18.5% 67th
EPS CAGR, 3 yr	-7.4% 67th	-26.3% 17th	-5.1% 78th
EPS CAGR, 5 yr	9.2% 67th	-16.3% 17th	6.5% 61st
FCF growth (TTM YoY)	14.8% 38th	—	-13.4% 31st
FCF CAGR, 3 yr	-7.7% 87th	-44.2% 20th	-15.7% 73rd
Operating cash flow CAGR, 3 yr	-6.9% 88th	-41.9% 25th	-15.5% 69th
Book value CAGR, 3 yr	15.6% 79th	-0.0% 5th	-0.5% 0th
Dividend CAGR, 3 yr	7.9% 83rd	3.5% 33rd	—
Sustainable growth rate	13.4% 78th	3.7% 17th	31.5% 100th

Margin history & stability

7 measures

Measure	PHM	LEN	NVR
Gross margin, 3-yr average	27.3% 84th	17.5% 11th	24.0% 58th
Operating margin, 3-yr average	18.6% 89th	9.9% 47th	17.2% 84th
Net margin, 3-yr average	14.6% 89th	7.8% 42nd	14.3% 84th
FCF margin, 3-yr average	8.1% 74th	3.8% 32nd	12.6% 100th
Revenue stability (0-1)	0.61 58th	0.42 32nd	0.32 26th
Earnings stability (0-1)	0.09 26th	0.70 84th	0.00 0th
Margin stability (0-1)	0.92 74th	0.68 0th	0.93 89th

Liquidity (latest quarter)

7 measures

Measure	PHM	LEN	NVR
Cash & short-term investments	$1.9B 95th	$1.2B 79th	$1.2B 89th
Net cash (− = net debt)	−$412.8M 63rd	−$3.1B 5th	$146.6M 89th
Working capital	$12.7B 84th	$13.3B 89th	$2.5B 53rd
Current ratio	5.27 53rd	8.38 74th	3.38 32nd
Quick ratio	0.65 32nd	1.17 47th	1.21 58th
Cash ratio (cash + ST investments / current liabilities)	0.63 53rd	0.64 58th	1.16 84th
Defensive interval (days)	427 days 53rd	568 days 74th	659 days 84th

Leverage & solvency (latest quarter)

13 measures

Measure	PHM	LEN	NVR
Total debt	$2.3B 79th	$4.3B 89th	$1.1B 42nd
Debt / equity	0.18 21st	0.20 26th	0.31 42nd
Net debt / equity	0.03 21st	0.15 37th	−0.04 16th
Debt / assets	12.6% 21st	12.9% 26th	19.2% 42nd
Debt / capital	15.0% 21st	16.6% 26th	23.7% 42nd
Debt / EBITDA	0.95 28th	2.14 56th	0.69 17th
Net debt / EBITDA	0.17 22nd	1.57 56th	−0.10 17th
Interest coverage (EBIT / interest)	4,619.9x 100th	16.6x 33rd	2,889.8x 92nd
Cash interest coverage	3,245.5x 100th	9.1x 33rd	2,063.0x 92nd
Debt payback (years of OCF)	1.4 yrs 24th	4.1 yrs 47th	1.0 yrs 18th
Liabilities / assets	28.7% 21st	35.0% 42nd	38.0% 53rd
IS credit model rating	AAA	AA	AAA
Implied credit spread (bps)	50 0th	80 32nd	50 0th

Efficiency

11 measures

Measure	PHM	LEN	NVR
Asset turnover	0.92 53rd	0.94 58th	1.65 100th
Fixed asset turnover	—	—	39.21 53rd
Inventory turnover	0.9 37th	2.2 74th	3.3 84th
Receivables turnover	—	25.8 35th	206.8 94th
Days sales outstanding	0 days 0th	14 days 63rd	2 days 16th
Days inventory outstanding	397 days 63rd	168 days 21st	110 days 16th
Days payables outstanding	21 days 53rd	21 days 42nd	21 days 58th
Cash conversion cycle (days)	375 days 63rd	161 days 26th	90 days 16th
Capex / revenue	0.7% 53rd	0.4% 26th	0.2% 16th
Capex / depreciation	1.01 42nd	1.29 58th	0.77 32nd
Operating expense ratio	9.6% 11th	10.8% 32nd	7.6% 0th

Cash flow & earnings quality

7 measures

Measure	PHM	LEN	NVR
Operating cash flow / net income	0.85 44th	0.79 33rd	0.93 50th
FCF / net income	0.79 50th	0.69 33rd	0.92 61st
FCF / operating cash flow	93.0% 65th	87.1% 29th	98.1% 88th
Capex / operating cash flow	7.0% 35th	12.9% 65th	1.9% 12th
Accruals ratio	1.6% 74th	0.8% 53rd	1.3% 68th
Sloan accruals ratio	-0.4% 47th	-0.2% 53rd	-31.6% 5th
Earnings quality score (0-1)	0.75 44th	0.50 22nd	0.75 44th

Dividends & buybacks

9 measures

Measure	PHM	LEN	NVR
Dividend yield	0.9% 63rd	2.6% 89th	0.0% 0th
Dividend per share (TTM)	$1.04 68th	$2.00 89th	$0.00 0th
Payout ratio (dividends / net income)	9.9% 50th	37.6% 83rd	0.0% 0th
Dividends / FCF	12.5% 59th	54.2% 76th	0.0% 0th
Dividend growth (YoY)	12.8% 83rd	0.1% 33rd	—
Buyback yield	6.1% 63rd	5.4% 53rd	11.3% 95th
Shareholder yield (dividends + buybacks)	7.0% 53rd	8.1% 68th	11.3% 89th
Share count change (YoY)	-3.4% 58th	-7.0% 26th	-7.9% 16th
Buybacks, last 5 years	$6.3B 95th	$848.0M 68th	$4.7B 89th

Scores & forensic checks

15 measures

Measure	PHM	LEN	NVR
IS score	48 68th	40 42nd	48 74th
IS profitability	45 79th	20 32nd	62 95th
IS growth	16 53rd	14 37th	16 47th
IS value	79 47th	79 58th	53 21st
IS momentum	38 47th	36 32nd	39 53rd
IS risk (safety)	100 53rd	90 37th	100 53rd
IS quality	61 63rd	56 42nd	67 74th
IS balance sheet	86 79th	71 37th	95 95th
IS earnings quality	86 68th	83 47th	88 79th
IS cash flow	58 63rd	42 32nd	57 58th
Piotroski F-score (0-9)	3 0th	5 58th	3 0th
Altman Z-score	5.9 74th	3.6 42nd	13.1 100th
Beneish M-score	−2.33 58th	−2.79 16th	−1.13 89th
Ohlson O-score	−10.90 11th	−9.71 47th	−10.13 21st
IS credit score	96 79th	86 47th	96 79th

Per share

7 measures

Measure	PHM	LEN	NVR
EPS, diluted (TTM)	$9.83 74th	$5.52 53rd	$397.40 100th
Book value per share	$67.13 37th	$90.68 63rd	$1,180.78 100th
Tangible book per share	$67.55 37th	$76.78 47th	$1,238.11 100th
Revenue per share	$84.64 42nd	$134.48 63rd	$3,281.80 100th
FCF per share	$7.80 68th	$3.82 37th	$364.35 100th
Operating cash flow per share	$8.39 68th	$4.38 37th	$371.38 100th
Cash per share	$9.73 53rd	$4.84 37th	$416.87 100th

Size (TTM)

8 measures

Measure	PHM	LEN	NVR
Market cap	$21.6B 95th	$18.3B 84th	$15.9B 79th
Revenue	$16.4B 84th	$32.0B 89th	$9.4B 74th
EBITDA	$2.4B 95th	$2.0B 84th	$1.5B 74th
Net income	$1.9B 95th	$1.3B 84th	$1.1B 74th
Free cash flow	$1.5B 95th	$908.2M 74th	$1.0B 84th
Total assets	$18.3B 84th	$33.4B 89th	$5.5B 63rd
Shareholders' equity	$13.0B 84th	$21.6B 89th	$3.4B 63rd
Employees	6,506 68th	12,532 89th	6,300 63rd

Price performance

9 measures

Measure	PHM	LEN	NVR
1 day	+0.5%	−0.8%	−0.4%
1 week	+1.3%	+0.5%	+0.3%
1 month	−4.5%	−2.7%	−5.2%
3 months	−7.6%	−6.4%	−8.2%
6 months	−9.9%	−15.4%	−15.4%
Year to date	−4.0%	−24.4%	−18.7%
1 year	−8.2%	−35.6%	−22.6%
3 years, cumulative	+53.8%	−29.0%	−4.2%
5 years, cumulative	+151.6%	−10.6%	+22.4%

Technicals

4 measures

Measure	PHM	LEN	NVR
RSI 14	43.9	46.6	43.7
From 52-week high	−20.9%	−41.1%	−27.8%
From 52-week low	+6.0%	+7.4%	+7.6%
Beta	1.16	1.38	0.90

InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17

PHM vs LEN vs NVR

Price, rebased to 100 three years ago

Smart money

Valuation

Profitability (TTM)

Returns on capital

Growth

Margin history & stability

Liquidity (latest quarter)

Leverage & solvency (latest quarter)

Efficiency

Cash flow & earnings quality

Dividends & buybacks

Scores & forensic checks

Per share

Size (TTM)

Price performance

Technicals

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