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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 : 4/10

vs
industry
vs
history
Cash to Debt 0.88
PHH's Cash to Debt is ranked higher than
83% of the 173 Companies
in the Global Credit Services industry.

( Industry Median: 0.21 vs. PHH: 0.88 )
PHH' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.88

Equity to Asset 0.34
PHH's Equity to Asset is ranked higher than
80% of the 177 Companies
in the Global Credit Services industry.

( Industry Median: 0.25 vs. PHH: 0.34 )
PHH' s 10-Year Equity to Asset Range
Min: 0.14   Max: 0.34
Current: 0.34

0.14
0.34
Interest Coverage 1.30
PHH's Interest Coverage is ranked higher than
58% of the 144 Companies
in the Global Credit Services industry.

( Industry Median: 4.04 vs. PHH: 1.30 )
PHH' s 10-Year Interest Coverage Range
Min: 0.33   Max: 2.64
Current: 1.3

0.33
2.64
F-Score: 7
Z-Score: 1.05
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 : 4/10

vs
industry
vs
history
Operating margin (%) -3.06
PHH's Operating margin (%) is ranked higher than
51% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 22.45 vs. PHH: -3.06 )
PHH' s 10-Year Operating margin (%) Range
Min: -9.46   Max: 21.1
Current: -3.06

-9.46
21.1
Net-margin (%) 5.79
PHH's Net-margin (%) is ranked higher than
61% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 14.31 vs. PHH: 5.79 )
PHH' s 10-Year Net-margin (%) Range
Min: -41.4   Max: 9.25
Current: 5.79

-41.4
9.25
ROE (%) 9.86
PHH's ROE (%) is ranked higher than
71% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 11.85 vs. PHH: 9.86 )
PHH' s 10-Year ROE (%) Range
Min: -18.18   Max: 91.27
Current: 9.86

-18.18
91.27
ROA (%) 1.98
PHH's ROA (%) is ranked higher than
69% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 3.12 vs. PHH: 1.98 )
PHH' s 10-Year ROA (%) Range
Min: -2.88   Max: 21.5
Current: 1.98

-2.88
21.5
ROC (Joel Greenblatt) (%) -141.41
PHH's ROC (Joel Greenblatt) (%) is ranked lower than
51% of the 177 Companies
in the Global Credit Services industry.

( Industry Median: 22.22 vs. PHH: -141.41 )
PHH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -367.27   Max: 1110.71
Current: -141.41

-367.27
1110.71
Revenue Growth (3Y)(%) 1.10
PHH's Revenue Growth (3Y)(%) is ranked higher than
65% of the 149 Companies
in the Global Credit Services industry.

( Industry Median: 7.80 vs. PHH: 1.10 )
PHH' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 12.1
Current: 1.1

0
12.1
EBITDA Growth (3Y)(%) -2.30
PHH's EBITDA Growth (3Y)(%) is ranked higher than
65% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 10.40 vs. PHH: -2.30 )
PHH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 14.9
Current: -2.3

0
14.9
EPS Growth (3Y)(%) 34.10
PHH's EPS Growth (3Y)(%) is ranked higher than
90% of the 122 Companies
in the Global Credit Services industry.

( Industry Median: 17.30 vs. PHH: 34.10 )
PHH' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 34.1
Current: 34.1

0
34.1
» PHH's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

PHH Guru Trades in Q4 2013

Larry Robbins 2,806,065 sh (New)
HOTCHKIS & WILEY 6,083,925 sh (+5.79%)
Joel Greenblatt 21,101 sh (+4.24%)
Louis Moore Bacon Sold Out
Richard Pzena 1,083,788 sh (-0.15%)
RS Investment Management 2,657,689 sh (-21.93%)
Steven Cohen 24,753 sh (-97.49%)
» More
Q1 2014

PHH Guru Trades in Q1 2014

Paul Tudor Jones 10,342 sh (New)
Third Avenue Management 954,725 sh (New)
Mario Gabelli 8,900 sh (New)
Steven Cohen 26,382 sh (+6.58%)
HOTCHKIS & WILEY 6,336,325 sh (+4.15%)
Larry Robbins 2,806,065 sh (unchged)
Richard Pzena 1,035,567 sh (-4.45%)
RS Investment Management 2,469,477 sh (-7.08%)
Joel Greenblatt 11,501 sh (-45.5%)
» More
Q2 2014

PHH Guru Trades in Q2 2014

Jim Simons 358,200 sh (New)
Mario Gabelli 15,800 sh (+77.53%)
HOTCHKIS & WILEY 6,861,642 sh (+8.29%)
Third Avenue Management 974,903 sh (+2.11%)
Larry Robbins 2,859,351 sh (+1.9%)
Joel Greenblatt Sold Out
Paul Tudor Jones Sold Out
Richard Pzena 1,010,448 sh (-2.43%)
RS Investment Management 1,202,868 sh (-51.29%)
» More
Q3 2014

PHH Guru Trades in Q3 2014

Mario Gabelli 17,500 sh (+10.76%)
HOTCHKIS & WILEY 6,902,567 sh (+0.6%)
Larry Robbins 2,859,351 sh (unchged)
Third Avenue Management Sold Out
RS Investment Management Sold Out
Richard Pzena 1,004,898 sh (-0.55%)
Jim Simons 95,200 sh (-73.42%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Third Avenue Management 2014-09-30 Sold Out 0.43%$22.63 - $24.46 $ 24.082%0
Joel Greenblatt 2014-06-30 Sold Out $21.16 - $25.8 $ 24.082%0
Mario Gabelli 2014-06-30 Add 77.53%$21.16 - $25.8 $ 24.082%15800
Third Avenue Management 2014-03-31 New Buy0.48%$23.48 - $26.77 $ 24.08-4%954725
Joel Greenblatt 2014-03-31 Reduce -45.5%0.01%$23.48 - $26.77 $ 24.08-4%11501
Mario Gabelli 2014-03-31 New Buy$23.48 - $26.77 $ 24.08-4%8900
Joel Greenblatt 2013-09-30 New Buy0.02%$20.87 - $24.6 $ 24.089%20243
John Keeley 2013-06-30 Sold Out 0.25%$19.01 - $21.91 $ 24.0817%0
HOTCHKIS & WILEY 2013-06-30 Add 22.5%0.1%$19.01 - $21.91 $ 24.0817%5299900
John Keeley 2013-03-31 Reduce -60.72%0.46%$20.59 - $23.63 $ 24.088%581790
HOTCHKIS & WILEY 2013-03-31 Add 29.09%0.11%$20.59 - $23.63 $ 24.088%4326300
Arnold Schneider 2012-12-31 Sold Out 0.16%$18.9 - $23.04 $ 24.0813%0
Arnold Schneider 2012-09-30 Reduce -58.87%0.2%$15.52 - $20.75 $ 24.0836%84260
Arnold Schneider 2012-06-30 Reduce -43.68%0.2%$15.1 - $17.53 $ 24.0848%204882
John Keeley 2012-03-31 Add 203.39%0.29%$10.23 - $15.89 $ 24.0892%1391548
Arnold Schneider 2012-03-31 Reduce -26.68%0.12%$10.23 - $15.89 $ 24.0892%363777
John Keeley 2011-12-31 Reduce -76.45%0.54%$10.02 - $19.23 $ 24.0855%458659
Arnold Schneider 2011-12-31 Add 82.72%0.21%$10.02 - $19.23 $ 24.0855%496142
HOTCHKIS & WILEY 2011-12-31 Add 34.22%0.08%$10.02 - $19.23 $ 24.0855%4445500
Richard Pzena 2011-12-31 Add 39.08%0.06%$10.02 - $19.23 $ 24.0855%1803035
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

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Ratios

vs
industry
vs
history
P/E(ttm) 8.20
PHH's P/E(ttm) is ranked higher than
94% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 17.30 vs. PHH: 8.20 )
PHH' s 10-Year P/E(ttm) Range
Min: 4.98   Max: 281.86
Current: 8.2

4.98
281.86
P/B 0.78
PHH's P/B is ranked higher than
90% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 1.91 vs. PHH: 0.78 )
PHH' s 10-Year P/B Range
Min: 0.19   Max: 1.81
Current: 0.78

0.19
1.81
P/S 0.56
PHH's P/S is ranked higher than
93% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 2.66 vs. PHH: 0.56 )
PHH' s 10-Year P/S Range
Min: 0.11   Max: 0.92
Current: 0.56

0.11
0.92
PFCF 1.15
PHH's PFCF is ranked higher than
98% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. PHH: 1.15 )
PHH' s 10-Year PFCF Range
Min: 0.2   Max: 1896
Current: 1.15

0.2
1896
EV-to-EBIT -17.29
PHH's EV-to-EBIT is ranked lower than
51% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 20.38 vs. PHH: -17.29 )
PHH' s 10-Year EV-to-EBIT Range
Min: -2350.5   Max: 6310.8
Current: -17.29

-2350.5
6310.8
Shiller P/E 96.92
PHH's Shiller P/E is ranked higher than
71% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 27.65 vs. PHH: 96.92 )
PHH' s 10-Year Shiller P/E Range
Min: 5.04   Max: 1117
Current: 96.92

5.04
1117

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.63
PHH's Price/Tangible Book is ranked higher than
65% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 2.37 vs. PHH: 2.63 )
PHH' s 10-Year Price/Tangible Book Range
Min: 0.84   Max: 120.94
Current: 2.63

0.84
120.94
Price/DCF (Projected) 0.10
PHH's Price/DCF (Projected) is ranked higher than
98% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 2.70 vs. PHH: 0.10 )
PHH' s 10-Year Price/DCF (Projected) Range
Min: 0.07   Max: 1.83
Current: 0.1

0.07
1.83
Price/Median PS Value 1.12
PHH's Price/Median PS Value is ranked higher than
77% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 1.24 vs. PHH: 1.12 )
PHH' s 10-Year Price/Median PS Value Range
Min: 0.57   Max: 1.83
Current: 1.12

0.57
1.83
Price/Graham Number 0.83
PHH's Price/Graham Number is ranked higher than
83% of the 197 Companies
in the Global Credit Services industry.

( Industry Median: 1.32 vs. PHH: 0.83 )
PHH' s 10-Year Price/Graham Number Range
Min: 0.64   Max: 7.67
Current: 0.83

0.64
7.67
Earnings Yield (Greenblatt) -5.80
PHH's Earnings Yield (Greenblatt) is ranked higher than
51% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 5.40 vs. PHH: -5.80 )
PHH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 10.7
Current: -5.8

0.1
10.7
Forward Rate of Return (Yacktman) 93.27
PHH's Forward Rate of Return (Yacktman) is ranked higher than
97% of the 115 Companies
in the Global Credit Services industry.

( Industry Median: 13.13 vs. PHH: 93.27 )
PHH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -12.5   Max: 177.4
Current: 93.27

-12.5
177.4

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, DFS, COF » details
Traded in other countries:PQZ.Germany,
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 three operating segments: Mortgage Production segment, Mortgage Servicing segment and Fleet Management Services 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 Fleet Management Services segment provides commercial fleet management services to corporate clients and government agencies throughout the U.S. and Canada through its wholly owned subsidiary, PHH Vehicle Management Services Group LLC (PHH VMS). PHH VMS is a provider of fleet management services with a range of product offerings including managing and leasing vehicle fleets and providing other fee-based services for its clients' vehicle fleets. 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.
» More Articles for PHH

Headlines

Articles On GuruFocus.com
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 
All insiders buying Jan 18 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 
Weekly CEO Buy Highlights: Information Services Group Inc, Prospect Capital Corp, CVS Caremark Corp, Nov 21 2009 

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