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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.71
PHH's Cash to Debt is ranked higher than
52% of the 370 Companies
in the Global Credit Services industry.

( Industry Median: 0.60 vs. PHH: 0.71 )
Ranked among companies with meaningful Cash to Debt only.
PHH' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.04 Max: N/A
Current: 0.71
Equity to Asset 0.36
PHH's Equity to Asset is ranked lower than
59% of the 347 Companies
in the Global Credit Services industry.

( Industry Median: 0.46 vs. PHH: 0.36 )
Ranked among companies with meaningful Equity to Asset only.
PHH' s Equity to Asset Range Over the Past 10 Years
Min: 0.14  Med: 0.17 Max: 0.37
Current: 0.36
0.14
0.37
F-Score: 3
M-Score: -2.71
WACC vs ROIC
8.92%
-6.17%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 2/10

vs
industry
vs
history
Operating margin (%) -26.89
PHH's Operating margin (%) is ranked lower than
89% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 19.21 vs. PHH: -26.89 )
Ranked among companies with meaningful Operating margin (%) only.
PHH' s Operating margin (%) Range Over the Past 10 Years
Min: -44.44  Med: -0.72 Max: 21.1
Current: -26.89
-44.44
21.1
Net-margin (%) -18.28
PHH's Net-margin (%) is ranked lower than
85% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 12.91 vs. PHH: -18.28 )
Ranked among companies with meaningful Net-margin (%) only.
PHH' s Net-margin (%) Range Over the Past 10 Years
Min: -18.35  Med: 0.76 Max: 12.68
Current: -18.28
-18.35
12.68
ROE (%) -9.46
PHH's ROE (%) is ranked lower than
90% of the 368 Companies
in the Global Credit Services industry.

( Industry Median: 6.24 vs. PHH: -9.46 )
Ranked among companies with meaningful ROE (%) only.
PHH' s ROE (%) Range Over the Past 10 Years
Min: -18.18  Med: 0.75 Max: 11.09
Current: -9.46
-18.18
11.09
ROA (%) -3.41
PHH's ROA (%) is ranked lower than
87% of the 382 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. PHH: -3.41 )
Ranked among companies with meaningful ROA (%) only.
PHH' s ROA (%) Range Over the Past 10 Years
Min: -3.65  Med: 0.12 Max: 1.87
Current: -3.41
-3.65
1.87
Revenue Growth (3Y)(%) -10.30
PHH's Revenue Growth (3Y)(%) is ranked lower than
74% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. PHH: -10.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PHH' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -28.1 Max: 12.1
Current: -10.3
0
12.1
EPS Growth (3Y)(%) 60.00
PHH's EPS Growth (3Y)(%) is ranked higher than
92% of the 225 Companies
in the Global Credit Services industry.

( Industry Median: 1.60 vs. PHH: 60.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PHH' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -60.75 Max: 60
Current: 60
0
60
» PHH's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

PHH Guru Trades in Q4 2015

Jim Simons 472,600 sh (+16.03%)
HOTCHKIS & WILEY 5,464,143 sh (+3.01%)
Richard Pzena 922,863 sh (+1.30%)
Larry Robbins 5,283,961 sh (-11.40%)
Paul Tudor Jones 14,870 sh (-19.30%)
» More
Q1 2016

PHH Guru Trades in Q1 2016

RS Investment Management 76,159 sh (New)
Jim Simons 594,100 sh (+25.71%)
HOTCHKIS & WILEY 5,562,110 sh (+1.79%)
Richard Pzena 928,249 sh (+0.58%)
Paul Tudor Jones Sold Out
Larry Robbins 4,814,961 sh (-8.88%)
» More
Q2 2016

PHH Guru Trades in Q2 2016

Paul Tudor Jones 27,679 sh (New)
Steven Cohen 403,100 sh (New)
Jim Simons 931,400 sh (+56.77%)
Larry Robbins 4,814,961 sh (unchged)
RS Investment Management Sold Out
Richard Pzena Sold Out
HOTCHKIS & WILEY 5,454,980 sh (-1.93%)
» More
Q3 2016

PHH Guru Trades in Q3 2016

Steven Cohen 831,000 sh (+106.15%)
Jim Simons 1,297,900 sh (+39.35%)
Larry Robbins 4,719,361 sh (-1.99%)
HOTCHKIS & WILEY 5,005,180 sh (-8.25%)
Paul Tudor Jones 20,318 sh (-26.59%)
» More
» Details

Insider Trades

Latest Guru Trades with PHH

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Credit Services » Credit Services
Compare:NAS:FSC, NYSE:TCAP, OTCPK:AUTCF, OTCPK:CCAOF, NAS:EZPW, NAS:MGI, OTCPK:ALARF, NYSE:AGM, NAS:WRLD, NAS:NEWS, NYSE:ENVA, NYSE:GDOT, NYSE:ONDK, NYSE:RM, NAS:CLDC, NAS:CPSS, NAS:ASFI, OTCPK:INPCF, NAS:SNFCA, NAS:MFIN » details
Traded in other countries:PQZ.Germany,
PHH Corp along with its subsidiaries is engaged in providing end to end mortgage solutions. It offers mortgage loan origination services & sells mortgage loans, & provides servicing activities for originated & purchased loans and acts as a sub-servicer.

PHH Corp a Maryland corporation was incorporated in 1953. The Company is an outsource provider of mortgage and fleet management services. It provides mortgage banking services to a variety of clients, including financial institutions and real estate brokers, throughout the U.S. It conducts its business through two operating segments: Mortgage Production segment and Mortgage Servicing segment. Its Mortgage Production segment provides mortgage services, including private-label mortgage services, to financial institutions and real estate brokers through PHH Mortgage. Within the retail platform, it operates through two business channels namely private label and real estate. The Mortgage Servicing segment services mortgage loans originated by PHH Mortgage, purchases mortgage servicing rights and acts as subservicer for certain clients that own the underlying servicing rights. The Company's Mortgage Production and Mortgage Servicing segments are subject to numerous federal, state and local laws and regulations and might be subject to various judicial and administrative decisions imposing various requirements and restrictions on its business.

Top Ranked Articles about PHH Corp

Stocks Richard Pzena Has Bought for 2 Quarters The guru increased his stakes in these stocks
Richard Pzena (Trades, Portfolio) is founder and co-chief investment officer of Pzena Investment Management LLC, with more than $24 billion under management. In both fourth quarter 2015 and first quarter 2016 the guru bought shares in the following stocks: Read more...
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Ratios

vs
industry
vs
history
P/B 0.65
PHH's P/B is ranked higher than
74% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 1.14 vs. PHH: 0.65 )
Ranked among companies with meaningful P/B only.
PHH' s P/B Range Over the Past 10 Years
Min: 0.19  Med: 0.76 Max: 1.09
Current: 0.65
0.19
1.09
P/S 1.26
PHH's P/S is ranked higher than
82% of the 341 Companies
in the Global Credit Services industry.

( Industry Median: 3.30 vs. PHH: 1.26 )
Ranked among companies with meaningful P/S only.
PHH' s P/S Range Over the Past 10 Years
Min: 0.11  Med: 0.65 Max: 3.43
Current: 1.26
0.11
3.43
PFCF 13.45
PHH's PFCF is ranked lower than
64% of the 78 Companies
in the Global Credit Services industry.

( Industry Median: 8.55 vs. PHH: 13.45 )
Ranked among companies with meaningful PFCF only.
PHH' s PFCF Range Over the Past 10 Years
Min: 0.21  Med: 0.89 Max: 25.68
Current: 13.45
0.21
25.68
POCF 10.23
PHH's POCF is ranked lower than
57% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 8.47 vs. PHH: 10.23 )
Ranked among companies with meaningful POCF only.
PHH' s POCF Range Over the Past 10 Years
Min: 0.14  Med: 0.77 Max: 13.69
Current: 10.23
0.14
13.69

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 1.20
PHH's 3-Year Average Share Buyback Ratio is ranked higher than
80% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: -3.50 vs. PHH: 1.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PHH' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -15  Med: -0.6 Max: 3.2
Current: 1.2
-15
3.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.44
PHH's Price/Tangible Book is ranked lower than
52% of the 342 Companies
in the Global Credit Services industry.

( Industry Median: 1.24 vs. PHH: 1.44 )
Ranked among companies with meaningful Price/Tangible Book only.
PHH' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.84  Med: 3.16 Max: 122.3
Current: 1.44
0.84
122.3
Price/Projected FCF 0.08
PHH's Price/Projected FCF is ranked higher than
99% of the 93 Companies
in the Global Credit Services industry.

( Industry Median: 0.81 vs. PHH: 0.08 )
Ranked among companies with meaningful Price/Projected FCF only.
PHH' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.06  Med: 0.09 Max: 1.49
Current: 0.08
0.06
1.49
Price/Median PS Value 1.93
PHH's Price/Median PS Value is ranked lower than
86% of the 293 Companies
in the Global Credit Services industry.

( Industry Median: 0.97 vs. PHH: 1.93 )
Ranked among companies with meaningful Price/Median PS Value only.
PHH' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.44  Med: 0.99 Max: 4.97
Current: 1.93
0.44
4.97
Earnings Yield (Greenblatt) (%) -14.41
PHH's Earnings Yield (Greenblatt) (%) is ranked lower than
94% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. PHH: -14.41 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PHH' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -15.21  Med: 2 Max: 10.7
Current: -14.41
-15.21
10.7
Forward Rate of Return (Yacktman) (%) 98.95
PHH's Forward Rate of Return (Yacktman) (%) is ranked higher than
98% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 4.95 vs. PHH: 98.95 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PHH' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -12.9  Med: 48.5 Max: 248.1
Current: 98.95
-12.9
248.1

More Statistics

Revenue (TTM) (Mil) $673.0
EPS (TTM) $ -2.22
Beta2.38
Short Percentage of Float8.96%
52-Week Range $8.26 - 16.80
Shares Outstanding (Mil)53.60

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 737 573 468
EPS ($) -0.69 -0.93 -1.79
EPS w/o NRI ($) -0.69 -0.93 -1.79
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for PHH

Headlines

Articles On GuruFocus.com
Richard Pzena Ups Stakes in High-Conviction Stocks Jun 01 2016 
PHH Investment Strategy has an upside of 46% May 20 2015 
John Keeley's Keeley Funds Annual Letter to Shareholders 2013 Feb 05 2014 
Alan Fournier – Selling Update on TRIP, PHH, ST, C, and More in Third Quarter Nov 18 2013 
Alan Fournier—Reduces PHH Mar 16 2013 
Kyle Bass Invests in Downgraded Mortgage Lender and Fleet Manager Jan 19 2012 
Daniel Loeb Continues to Deliver Superb Results; Top Holdings: POT, ACL, ARG, HNT, PHH, CIT Dec 02 2010 
Daniel Loeb Publishes Quarterly Letter; Top Holdings: TDG, ACL, CIT, PHH, HNT, ARG Aug 28 2010 
Hedge fund Third Point Buys Citigroup Inc., Yahoo! Inc., Mead Johnson Nutriti, Sells Apple Inc., Hew Feb 18 2010 
Daniel Loeb Top Holdings: PHH Corp., CF Industries Holdings Inc., Liberty Acquisition Holdings Corp. Nov 28 2009 

More From Other Websites
PHH Corp. breached its 50 day moving average in a Bullish Manner : PHH-US : December 6, 2016 Dec 06 2016
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Wedbush Adjusts Targets On Credit Card Lenders, Pawn, Installment Names Nov 30 2016
ETFs with exposure to PHH Corp. : November 30, 2016 Nov 30 2016
Ball in PHH's court in legal battle over $109M CFPB fine Nov 29 2016
PHH Corp. breached its 50 day moving average in a Bearish Manner : PHH-US : November 22, 2016 Nov 22 2016
PHH Corp. :PHH-US: Earnings Analysis: Q3, 2016 By the Numbers : November 18, 2016 Nov 18 2016
PHH CORP Financials Nov 17 2016
PHH CORP Files SEC form 8-K/A, Costs Associated with Exit or Disposal Activities Nov 09 2016
PHH to pay $28 mln fine to end New York mortgage probe Nov 09 2016
Local mortgage company fined $28M by New York regulator Nov 09 2016
PHH Corporation Comments on Settlement with New York State Department of Financial Services Nov 09 2016
PHH Corporation Comments on Settlement with New York State Department of Financial Services Nov 09 2016
PHH CORP Files SEC form 10-Q, Quarterly Report Nov 09 2016
PHH to pay $28 mln fine over mortgage practices, NY governor says Nov 09 2016
ETF’s with exposure to PHH Corp. : November 9, 2016 Nov 09 2016
Edited Transcript of PHH earnings conference call or presentation 9-Nov-16 3:00pm GMT Nov 09 2016
PHH Corp Earnings Call scheduled for 10:00 am ET today Nov 09 2016
PHH CORP Files SEC form 8-K, Results of Operations and Financial Condition, Costs Associated with... Nov 08 2016
PHH Corporation Announces Third Quarter Results Nov 08 2016
PHH reports 3Q loss Nov 08 2016
PHH reports 3Q loss Nov 08 2016
PHH Corporation Announces Third Quarter Results Nov 08 2016
PHH Corporation Announces Third Quarter 2016 Earnings Release and Conference Call Schedule Oct 25 2016
Consumer watchdog structure ruled unconstitutional Oct 11 2016
PHH Corporation Comments on Opinion Issued by D.C. Circuit Court of Appeals Oct 11 2016
PHH reports 2Q loss Aug 08 2016
PHH Corporation Announces Second Quarter 2016 Results Aug 08 2016
John Porath Named Southeast Regional Executive for PHH Home Loans May 16 2016
PHH Corporation Announces First Quarter 2016 Results May 04 2016
PHH Corporation Announces First Quarter 2016 Earnings Release and Conference Call Schedule Apr 27 2016
PHH Corporation Provides Update Regarding its Private Label Business Apr 11 2016
PHH reports 4Q loss Feb 24 2016
PHH Corporation Announces the Completion of its Previously Announced $100 Million Open Market Share... Jan 20 2016
PHH Mortgage Deploys Advanced Automation Software for Servicing Operations Jan 08 2016
PHH Home Loans Announces Winners of the 2015 Move & Improve Sweepstakes Dec 22 2015
PHH Corporation and Bank of America, N.A. (BANA) to Continue Mortgage Relationship Dec 17 2015
PHH reports 3Q loss Nov 04 2015
PHH reports 4Q loss Feb 17 2015

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