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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.23
PHH's Cash to Debt is ranked higher than
75% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 0.12 vs. PHH: 0.23 )
PHH' s 10-Year Cash to Debt Range
Min: 0.01   Max: 0.23
Current: 0.23

0.01
0.23
Equity to Asset 0.19
PHH's Equity to Asset is ranked higher than
62% of the 121 Companies
in the Global Credit Services industry.

( Industry Median: 0.25 vs. PHH: 0.19 )
PHH' s 10-Year Equity to Asset Range
Min: 0.11   Max: 0.35
Current: 0.19

0.11
0.35
Interest Coverage 1.30
PHH's Interest Coverage is ranked higher than
55% of the 110 Companies
in the Global Credit Services industry.

( Industry Median: 3.32 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: 0.55
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 : 5/10

vs
industry
vs
history
Operating margin (%) 8.48
PHH's Operating margin (%) is ranked higher than
50% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 25.26 vs. PHH: 8.48 )
PHH' s 10-Year Operating margin (%) Range
Min: -9.46   Max: 38.24
Current: 8.48

-9.46
38.24
Net-margin (%) 4.75
PHH's Net-margin (%) is ranked lower than
51% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: 16.25 vs. PHH: 4.75 )
PHH' s 10-Year Net-margin (%) Range
Min: -11.45   Max: 130.96
Current: 4.75

-11.45
130.96
ROE (%) 8.10
PHH's ROE (%) is ranked higher than
64% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 11.35 vs. PHH: 8.10 )
PHH' s 10-Year ROE (%) Range
Min: -20.05   Max: 91.81
Current: 8.1

-20.05
91.81
ROA (%) 1.53
PHH's ROA (%) is ranked higher than
61% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. PHH: 1.53 )
PHH' s 10-Year ROA (%) Range
Min: -3.07   Max: 25.36
Current: 1.53

-3.07
25.36
ROC (Joel Greenblatt) (%) 321.33
PHH's ROC (Joel Greenblatt) (%) is ranked higher than
84% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 33.24 vs. PHH: 321.33 )
PHH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -315.63   Max: 1269.39
Current: 321.33

-315.63
1269.39
Revenue Growth (%) 1.10
PHH's Revenue Growth (%) is ranked higher than
59% of the 113 Companies
in the Global Credit Services industry.

( Industry Median: 5.80 vs. PHH: 1.10 )
PHH' s 10-Year Revenue Growth (%) Range
Min: -42.3   Max: 23.1
Current: 1.1

-42.3
23.1
EBITDA Growth (%) -2.30
PHH's EBITDA Growth (%) is ranked higher than
60% of the 97 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. PHH: -2.30 )
PHH' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 43
Current: -2.3

0
43
EPS Growth (%) 34.10
PHH's EPS Growth (%) is ranked higher than
89% of the 94 Companies
in the Global Credit Services industry.

( Industry Median: 17.30 vs. PHH: 34.10 )
PHH' s 10-Year EPS Growth (%) 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

Q1 2013

PHH Guru Trades in Q1 2013

Caxton Associates 103,000 sh (New)
Paul Tudor Jones 44,700 sh (+375.53%)
Steven Cohen 29,693 sh (+59.2%)
HOTCHKIS & WILEY 4,326,300 sh (+29.09%)
Jim Simons Sold Out
Louis Moore Bacon Sold Out
Richard Pzena 1,255,163 sh (-3.15%)
Alan Fournier 2,565,860 sh (-44.76%)
John Keeley 581,790 sh (-60.72%)
» More
Q2 2013

PHH Guru Trades in Q2 2013

RS Investment Management 3,224,154 sh (New)
HOTCHKIS & WILEY 5,299,900 sh (+22.5%)
Caxton Associates Sold Out
John Keeley Sold Out
Richard Pzena 1,220,813 sh (-2.74%)
Alan Fournier 2,383,580 sh (-7.1%)
Paul Tudor Jones 31,800 sh (-28.86%)
Steven Cohen 10,418 sh (-64.91%)
» More
Q3 2013

PHH Guru Trades in Q3 2013

Louis Moore Bacon 450,000 sh (New)
Joel Greenblatt 20,243 sh (New)
Steven Cohen 986,181 sh (+9366.13%)
HOTCHKIS & WILEY 5,751,000 sh (+8.51%)
RS Investment Management 3,404,236 sh (+5.59%)
Alan Fournier Sold Out
Paul Tudor Jones Sold Out
Richard Pzena 1,085,413 sh (-11.09%)
» More
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
» Details

Insider Trades

Latest Guru Trades with PHH

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Joel Greenblatt 2013-09-30 New Buy0.02%$20.87 - $24.6 $ 24.3910%20243
John Keeley 2013-06-30 Sold Out 0.25%$19.01 - $21.91 $ 24.3919%0
John Keeley 2013-03-31 Reduce -60.72%0.46%$20.59 - $23.63 $ 24.3910%581790
John Keeley 2012-03-31 Add 203.39%0.29%$10.23 - $15.89 $ 24.3994%1391548
John Keeley 2011-12-31 Reduce -76.45%0.54%$10.02 - $19.23 $ 24.3957%458659
Daniel Loeb 2011-06-30 Sold Out 2.82%$19.57 - $22.48 $ 24.3917%0
George Soros 2011-06-30 Sold Out $19.57 - $22.48 $ 24.3917%0
George Soros 2011-03-31 Reduce -60.11%0.02%$20.77 - $25.24 $ 24.394%20900
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about PHH Corporation

Alan Fournier – Selling Update on TRIP, PHH, ST, C, and More in Third Quarter
The recent update of Pennant Capital's portfolio, led by Alan Fournier, lists 47 stocks, 4 of them new, with a total value of $5.58 billion, and a quarter-over-quarter turnover of 9%. The portfolio’s top sector weightings are consumer cyclical at 26.2%, industrials at 23.8% and technology at 16.8%. Alan Fournier is averaging a 12-month return of 7.05%. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 12.50
PHH's P/E(ttm) is ranked higher than
63% of the 118 Companies
in the Global Credit Services industry.

( Industry Median: 12.40 vs. PHH: 12.50 )
PHH' s 10-Year P/E(ttm) Range
Min: 4.98   Max: 281.86
Current: 12.5

4.98
281.86
P/B 0.80
PHH's P/B is ranked higher than
84% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. PHH: 0.80 )
PHH' s 10-Year P/B Range
Min: 0.19   Max: 1.81
Current: 0.8

0.19
1.81
P/S 0.56
PHH's P/S is ranked higher than
92% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 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 0.60
PHH's PFCF is ranked higher than
99% of the 72 Companies
in the Global Credit Services industry.

( Industry Median: 7.30 vs. PHH: 0.60 )
PHH' s 10-Year PFCF Range
Min: 0.22   Max: 6.2
Current: 0.6

0.22
6.2
EV-to-EBIT 28.60
PHH's EV-to-EBIT is ranked lower than
62% of the 119 Companies
in the Global Credit Services industry.

( Industry Median: 16.90 vs. PHH: 28.60 )
PHH' s 10-Year EV-to-EBIT Range
Min: 9.3   Max: 6309.8
Current: 28.6

9.3
6309.8
PEG 1.50
PHH's PEG is ranked lower than
60% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: 1.09 vs. PHH: 1.50 )
PHH' s 10-Year PEG Range
Min: 0.72   Max: 26.64
Current: 1.5

0.72
26.64

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.90
PHH's Price/Tangible Book is ranked lower than
68% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 vs. PHH: 3.90 )
PHH' s 10-Year Price/Tangible Book Range
Min: 2.71   Max: 16.27
Current: 3.9

2.71
16.27
Price/DCF (Projected) 0.10
PHH's Price/DCF (Projected) is ranked higher than
98% of the 60 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. PHH: 0.10 )
PHH' s 10-Year Price/DCF (Projected) Range
Min: 0.05   Max: 0.23
Current: 0.1

0.05
0.23
Price/Median PS Value 1.10
PHH's Price/Median PS Value is ranked higher than
71% of the 119 Companies
in the Global Credit Services industry.

( Industry Median: 1.20 vs. PHH: 1.10 )
PHH' s 10-Year Price/Median PS Value Range
Min: 0.6   Max: 1.8
Current: 1.1

0.6
1.8
Price/Graham Number 1.20
PHH's Price/Graham Number is ranked lower than
52% of the 116 Companies
in the Global Credit Services industry.

( Industry Median: 0.90 vs. PHH: 1.20 )
PHH' s 10-Year Price/Graham Number Range
Min: 1.21   Max: 3.17
Current: 1.2

1.21
3.17
Earnings Yield (Greenblatt) 3.50
PHH's Earnings Yield (Greenblatt) is ranked lower than
55% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 5.50 vs. PHH: 3.50 )
PHH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 10.8
Current: 3.5

0.1
10.8
Forward Rate of Return (Yacktman) 59.63
PHH's Forward Rate of Return (Yacktman) is ranked higher than
94% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 12.04 vs. PHH: 59.63 )
PHH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -7.3   Max: 101.7
Current: 59.63

-7.3
101.7

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, DFS, COF » details
Traded in other countries:PQZ.Germany
PHH Corporation, 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: a Mortgage Production segment, a Mortgage Servicing segment and a 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. The Mortgage Production segment generates revenue through fee-based mortgage loan origination services and the origination and sale of mortgage loans into the secondary market. PHH Mortgage generally sells all mortgage loans that it originates to secondary market investors, which include a variety of institutional investors, and typically retains the servicing rights on mortgage loans sold. It sources mortgage loans through retail and wholesale/correspondent platforms. Within the retail platform, it operates through two business channels namely private label and real estate. 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.

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