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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 0.45
PHH's Cash to Debt is ranked higher than
79% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 0.12 vs. PHH: 0.45 )
PHH' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.45

Equity to Asset 0.18
PHH's Equity to Asset is ranked higher than
63% of the 139 Companies
in the Global Credit Services industry.

( Industry Median: 0.22 vs. PHH: 0.18 )
PHH' s 10-Year Equity to Asset Range
Min: 0.14   Max: 0.19
Current: 0.18

0.14
0.19
Interest Coverage 1.30
PHH's Interest Coverage is ranked higher than
58% of the 104 Companies
in the Global Credit Services industry.

( Industry Median: 3.43 vs. PHH: 1.30 )
PHH' s 10-Year Interest Coverage Range
Min: 0.25   Max: 7.9
Current: 1.3

0.25
7.9
F-Score: 4
Z-Score: 0.32
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 (%) 8.48
PHH's Operating margin (%) is ranked lower than
52% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 25.65 vs. PHH: 8.48 )
PHH' s 10-Year Operating margin (%) Range
Min: -21.55   Max: 26.07
Current: 8.48

-21.55
26.07
Net-margin (%) 4.75
PHH's Net-margin (%) is ranked higher than
50% of the 139 Companies
in the Global Credit Services industry.

( Industry Median: 16.25 vs. PHH: 4.75 )
PHH' s 10-Year Net-margin (%) Range
Min: -41.4   Max: 15.82
Current: 4.75

-41.4
15.82
ROE (%) 8.10
PHH's ROE (%) is ranked higher than
62% of the 140 Companies
in the Global Credit Services industry.

( Industry Median: 13.17 vs. PHH: 8.10 )
PHH' s 10-Year ROE (%) Range
Min: -20.06   Max: 91.81
Current: 8.1

-20.06
91.81
ROA (%) 1.53
PHH's ROA (%) is ranked higher than
62% of the 141 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 132 Companies
in the Global Credit Services industry.

( Industry Median: 31.17 vs. PHH: 321.33 )
PHH' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -703.17   Max: 954.35
Current: 321.33

-703.17
954.35
Revenue Growth (%) -4.20
PHH's Revenue Growth (%) is ranked higher than
56% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 7.80 vs. PHH: -4.20 )
PHH' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 12.2
Current: -4.2

0
12.2
EBITDA Growth (%) -9.00
PHH's EBITDA Growth (%) is ranked higher than
51% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 10.50 vs. PHH: -9.00 )
PHH' s 10-Year EBITDA Growth (%) Range
Min: -44.5   Max: 171
Current: -9

-44.5
171
EPS Growth (%) 34.10
PHH's EPS Growth (%) is ranked higher than
88% of the 99 Companies
in the Global Credit Services industry.

( Industry Median: 18.20 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

Q3 2013

PHH Guru Trades in Q3 2013

Joel Greenblatt 20,243 sh (New)
Louis Moore Bacon 450,000 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%)
Paul Tudor Jones Sold Out
Alan Fournier 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
Q1 2014

PHH Guru Trades in Q1 2014

Third Avenue Management 954,725 sh (New)
Mario Gabelli 8,900 sh (New)
Paul Tudor Jones 10,342 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
» 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
Joel Greenblatt 2014-06-30 Sold Out $21.16 - $25.8 $ 23.921%0
Mario Gabelli 2014-06-30 Add 77.53%$21.16 - $25.8 $ 23.921%15800
Joel Greenblatt 2014-03-31 Reduce -45.5%0.01%$23.48 - $26.77 $ 23.92-4%11501
Mario Gabelli 2014-03-31 New Buy$23.48 - $26.77 $ 23.92-4%8900
Joel Greenblatt 2013-09-30 New Buy0.02%$20.87 - $24.6 $ 23.928%20243
John Keeley 2013-06-30 Sold Out 0.25%$19.01 - $21.91 $ 23.9217%0
John Keeley 2013-03-31 Reduce -60.72%0.46%$20.59 - $23.63 $ 23.928%581790
John Keeley 2012-03-31 Add 203.39%0.29%$10.23 - $15.89 $ 23.9290%1391548
John Keeley 2011-12-31 Reduce -76.45%0.54%$10.02 - $19.23 $ 23.9254%458659
Daniel Loeb 2011-06-30 Sold Out 2.82%$19.57 - $22.48 $ 23.9215%0
George Soros 2011-06-30 Sold Out $19.57 - $22.48 $ 23.9215%0
Premium More recent guru trades are included for Premium Members only!!
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Top Ranked Articles about PHH Corp

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/B 0.90
PHH's P/B is ranked higher than
88% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.63 vs. PHH: 0.90 )
PHH' s 10-Year P/B Range
Min: 0.19   Max: 1.81
Current: 0.9

0.19
1.81
P/S 0.70
PHH's P/S is ranked higher than
93% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.59 vs. PHH: 0.70 )
PHH' s 10-Year P/S Range
Min: 0.1   Max: 0.95
Current: 0.7

0.1
0.95
PFCF 0.70
PHH's PFCF is ranked higher than
99% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 58.00 vs. PHH: 0.70 )
PHH' s 10-Year PFCF Range
Min: 0.14   Max: 2.41
Current: 0.7

0.14
2.41
EV-to-EBIT -24.79
PHH's EV-to-EBIT is ranked lower than
54% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 17.38 vs. PHH: -24.79 )
PHH' s 10-Year EV-to-EBIT Range
Min: 9.7   Max: 335.7
Current: -24.79

9.7
335.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.50
PHH's Price/Tangible Book is ranked higher than
54% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.08 vs. PHH: 3.50 )
PHH' s 10-Year Price/Tangible Book Range
Min: 0.84   Max: 120.94
Current: 3.5

0.84
120.94
Price/DCF (Projected) 0.10
PHH's Price/DCF (Projected) is ranked higher than
99% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.72 vs. PHH: 0.10 )
PHH' s 10-Year Price/DCF (Projected) Range
Min: 0.04   Max: 19.43
Current: 0.1

0.04
19.43
Price/Median PS Value 1.40
PHH's Price/Median PS Value is ranked higher than
65% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.35 vs. PHH: 1.40 )
PHH' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 1.79
Current: 1.4

0.4
1.79
Earnings Yield (Greenblatt) 1.90
PHH's Earnings Yield (Greenblatt) is ranked lower than
53% of the 136 Companies
in the Global Credit Services industry.

( Industry Median: 6.20 vs. PHH: 1.90 )
PHH' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 10.3
Current: 1.9

0.3
10.3
Forward Rate of Return (Yacktman) 96.68
PHH's Forward Rate of Return (Yacktman) is ranked higher than
97% of the 121 Companies
in the Global Credit Services industry.

( Industry Median: 15.42 vs. PHH: 96.68 )
PHH' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 5.3   Max: 163.2
Current: 96.68

5.3
163.2

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.
» 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 

More From Other Websites
PHH CORP Financials Aug 12 2014
PHH CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Creation of a Direct... Aug 08 2014
PHH Corp Stock Upgraded (PHH) Aug 06 2014
PHH Corp Earnings Call scheduled for 10:00 am ET today Aug 05 2014
PHH CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements and... Aug 05 2014
PHH Corporation Announces Second Quarter 2014 Results Aug 04 2014
Q2 2014 PHH Corp Earnings Release - After Market Close Aug 04 2014
Banks Burdened With Compliance Costs Outsource Home Loans Aug 03 2014
PHH Corporation Announces Second Quarter 2014 Earnings Release and Conference Call Schedule Jul 28 2014
PHH CORP Files SEC form 8-K, Change in Directors or Principal Officers Jul 24 2014
5 Stocks With Big Insider Buying Jul 16 2014
Why PHH Corp. (PHH) Stock Is Higher Today Jul 15 2014
PHH Corp upgraded by Oppenheimer Jul 15 2014
UPDATE: Morgan Stanley Reiterates On PHH On Revised Operating Estimates Jul 10 2014
Largest option trades in equities Jul 09 2014
S&P Dow Jones Indices Announces Changes to the S&P/TSX Canadian Indices Jul 08 2014
Moody's sees no negative ratings impact on Element-sponsored fleet lease securitizations due to... Jul 08 2014
Why PHH Corp (PHH) Stock Is Rising This Morning Jul 08 2014
PHH Corp Conference Call to discuss details of the transaction, the deployment of excess capital and... Jul 08 2014
PHH Corporation -- Moody's downgrades long-term ratings of PHH Corp. to Ba3 from Ba2 Jul 07 2014

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