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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 : 3/10

vs
industry
vs
history
Cash to Debt 0.49
PHH's Cash to Debt is ranked lower than
61% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 6.06 vs. PHH: 0.49 )
Ranked among companies with meaningful Cash to Debt only.
PHH' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.03 Max: N/A
Current: 0.49
Equity to Asset 0.33
PHH's Equity to Asset is ranked lower than
54% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 0.37 vs. PHH: 0.33 )
Ranked among companies with meaningful Equity to Asset only.
PHH' s 10-Year Equity to Asset Range
Min: 0.14  Med: 0.16 Max: 0.36
Current: 0.33
0.14
0.36
F-Score: 4
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 : 3/10

vs
industry
vs
history
Operating margin (%) -25.66
PHH's Operating margin (%) is ranked lower than
91% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 20.53 vs. PHH: -25.66 )
Ranked among companies with meaningful Operating margin (%) only.
PHH' s 10-Year Operating margin (%) Range
Min: -44.44  Med: 7.65 Max: 26.07
Current: -25.66
-44.44
26.07
Net-margin (%) 16.99
PHH's Net-margin (%) is ranked higher than
50% of the 271 Companies
in the Global Credit Services industry.

( Industry Median: 17.41 vs. PHH: 16.99 )
Ranked among companies with meaningful Net-margin (%) only.
PHH' s 10-Year Net-margin (%) Range
Min: -36.46  Med: 1.74 Max: 15.82
Current: 16.99
-36.46
15.82
ROE (%) 9.08
PHH's ROE (%) is ranked higher than
52% of the 267 Companies
in the Global Credit Services industry.

( Industry Median: 8.63 vs. PHH: 9.08 )
Ranked among companies with meaningful ROE (%) only.
PHH' s 10-Year ROE (%) Range
Min: -18.18  Med: 4.62 Max: 91.27
Current: 9.08
-18.18
91.27
ROA (%) 2.64
PHH's ROA (%) is ranked lower than
53% of the 280 Companies
in the Global Credit Services industry.

( Industry Median: 2.98 vs. PHH: 2.64 )
Ranked among companies with meaningful ROA (%) only.
PHH' s 10-Year ROA (%) Range
Min: -2.88  Med: 0.95 Max: 21.5
Current: 2.64
-2.88
21.5
Revenue Growth (3Y)(%) -39.50
PHH's Revenue Growth (3Y)(%) is ranked lower than
92% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 5.50 vs. PHH: -39.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PHH' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -21.95 Max: 12.2
Current: -39.5
0
12.2
EBITDA Growth (3Y)(%) -30.70
PHH's EBITDA Growth (3Y)(%) is ranked lower than
79% of the 171 Companies
in the Global Credit Services industry.

( Industry Median: -3.30 vs. PHH: -30.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PHH' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -24.55 Max: 14.9
Current: -30.7
0
14.9
EPS Growth (3Y)(%) 15.50
PHH's EPS Growth (3Y)(%) is ranked higher than
63% of the 175 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. PHH: 15.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PHH' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -70.85 Max: 15.5
Current: 15.5
0
15.5
» PHH's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

PHH Guru Trades in Q3 2014

Mario Gabelli 17,500 sh (+10.76%)
HOTCHKIS & WILEY 6,902,567 sh (+0.60%)
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
Q4 2014

PHH Guru Trades in Q4 2014

Larry Robbins 3,859,351 sh (+34.97%)
Jim Simons 117,800 sh (+23.74%)
Larry Robbins 3,859,351 sh (+34.97%)
HOTCHKIS & WILEY 6,756,653 sh (unchged)
HOTCHKIS & WILEY 6,756,653 sh (-2.11%)
Richard Pzena 953,648 sh (-5.10%)
Mario Gabelli 13,100 sh (-25.14%)
» More
Q1 2015

PHH Guru Trades in Q1 2015

Jim Simons 159,600 sh (+35.48%)
Larry Robbins 4,584,681 sh (+18.79%)
HOTCHKIS & WILEY 6,823,827 sh (+0.99%)
Mario Gabelli Sold Out
Richard Pzena 921,948 sh (-3.32%)
» More
Q2 2015

PHH Guru Trades in Q2 2015

Steven Cohen 287,000 sh (New)
Paul Tudor Jones 14,510 sh (New)
Jim Simons 421,700 sh (+164.22%)
Larry Robbins 5,963,961 sh (+30.08%)
Richard Pzena 929,448 sh (+0.81%)
HOTCHKIS & WILEY 4,723,627 sh (-30.78%)
» 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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Ratios

vs
industry
vs
history
P/E(ttm) 6.33
PHH's P/E(ttm) is ranked higher than
86% of the 214 Companies
in the Global Credit Services industry.

( Industry Median: 14.70 vs. PHH: 6.33 )
Ranked among companies with meaningful P/E(ttm) only.
PHH' s 10-Year P/E(ttm) Range
Min: 4.98  Med: 14.99 Max: 281.86
Current: 6.33
4.98
281.86
Forward P/E 10.55
PHH's Forward P/E is ranked higher than
53% of the 70 Companies
in the Global Credit Services industry.

( Industry Median: 11.04 vs. PHH: 10.55 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 0.63
PHH's P/B is ranked higher than
72% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. PHH: 0.63 )
Ranked among companies with meaningful P/B only.
PHH' s 10-Year P/B Range
Min: 0.19  Med: 0.80 Max: 1.09
Current: 0.63
0.19
1.09
P/S 0.99
PHH's P/S is ranked higher than
82% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 3.31 vs. PHH: 0.99 )
Ranked among companies with meaningful P/S only.
PHH' s 10-Year P/S Range
Min: 0.11  Med: 0.52 Max: 2.16
Current: 0.99
0.11
2.16
Shiller P/E 40.42
PHH's Shiller P/E is ranked lower than
90% of the 92 Companies
in the Global Credit Services industry.

( Industry Median: 12.94 vs. PHH: 40.42 )
Ranked among companies with meaningful Shiller P/E only.
PHH' s 10-Year Shiller P/E Range
Min: 4.99  Med: 17.41 Max: 744.67
Current: 40.42
4.99
744.67
Days Sales Outstanding 45.30
PHH's Days Sales Outstanding is ranked lower than
61% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 24.86 vs. PHH: 45.30 )
Ranked among companies with meaningful Days Sales Outstanding only.
PHH' s 10-Year Days Sales Outstanding Range
Min: 9.12  Med: 81.83 Max: 234.66
Current: 45.3
9.12
234.66

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.98
PHH's Price/Tangible Book is ranked lower than
71% of the 214 Companies
in the Global Credit Services industry.

( Industry Median: 1.11 vs. PHH: 1.98 )
Ranked among companies with meaningful Price/Tangible Book only.
PHH' s 10-Year Price/Tangible Book Range
Min: 0.84  Med: 3.51 Max: 120.94
Current: 1.98
0.84
120.94
Price/Projected FCF 0.07
PHH's Price/Projected FCF is ranked higher than
96% of the 76 Companies
in the Global Credit Services industry.

( Industry Median: 0.76 vs. PHH: 0.07 )
Ranked among companies with meaningful Price/Projected FCF only.
PHH' s 10-Year Price/Projected FCF Range
Min: 0.07  Med: 0.11 Max: 1.83
Current: 0.07
0.07
1.83
Price/Median PS Value 1.99
PHH's Price/Median PS Value is ranked lower than
83% of the 232 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. PHH: 1.99 )
Ranked among companies with meaningful Price/Median PS Value only.
PHH' s 10-Year Price/Median PS Value Range
Min: 0.55  Med: 1.00 Max: 3.95
Current: 1.99
0.55
3.95
Price/Graham Number 0.76
PHH's Price/Graham Number is ranked higher than
53% of the 137 Companies
in the Global Credit Services industry.

( Industry Median: 0.83 vs. PHH: 0.76 )
Ranked among companies with meaningful Price/Graham Number only.
PHH' s 10-Year Price/Graham Number Range
Min: 0.64  Med: 1.63 Max: 7.67
Current: 0.76
0.64
7.67
Earnings Yield (Greenblatt) (%) -10.64
PHH's Earnings Yield (Greenblatt) (%) is ranked lower than
94% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. PHH: -10.64 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PHH' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -10.64  Med: 1.90 Max: 10.7
Current: -10.64
-10.64
10.7
Forward Rate of Return (Yacktman) (%) 80.77
PHH's Forward Rate of Return (Yacktman) (%) is ranked higher than
99% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: -0.10 vs. PHH: 80.77 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PHH' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -12.5  Med: 56.30 Max: 177.4
Current: 80.77
-12.5
177.4

Analyst Estimate

Dec15 Dec16
Revenue(Mil) 915 906
EPS($) -0.58 1.54
EPS without NRI($) -0.58 1.54

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
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 
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 

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