WallStSmart

Meritage Corporation (MTH)vsPulteGroup Inc (PHM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PulteGroup Inc generates 196% more annual revenue ($17.31B vs $5.86B). PHM leads profitability with a 12.8% profit margin vs 7.7%. MTH appears more attractively valued with a PEG of 0.54. PHM earns a higher WallStSmart Score of 61/100 (C+).

MTH

Buy

57

out of 100

Grade: C

Growth: 2.0Profit: 5.5Value: 7.3Quality: 7.3
Piotroski: 2/9Altman Z: 3.38

PHM

Buy

61

out of 100

Grade: C+

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

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MTHSignificantly Overvalued (-80.8%)

Margin of Safety

-80.8%

Fair Value

$43.18

Current Price

$61.59

$18.41 premium

UndervaluedFair: $43.18Overvalued
PHMSignificantly Overvalued (-84.2%)

Margin of Safety

-84.2%

Fair Value

$75.62

Current Price

$118.18

$42.56 premium

UndervaluedFair: $75.62Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MTH4 strengths · Avg: 9.5/10
P/E RatioValuation
9.6x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.3810/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.548/10

Growing faster than its price suggests

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

Areas to Watch

MTH4 concerns · Avg: 2.5/10
Profit MarginProfitability
7.7%3/10

7.7% margin — thin

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Revenue GrowthGrowth
-11.5%2/10

Revenue declined 11.5%

EPS GrowthGrowth
-48.8%2/10

Earnings declined 48.8%

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%

Comparative Analysis Report

WallStSmart Research

Bull Case : MTH

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

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.

Bear Case : MTH

The primary concerns for MTH are Profit Margin, Piotroski F-Score, Revenue Growth.

Bear Case : PHM

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

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 1.45 — 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 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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