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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 : 3/10

vs
industry
vs
history
Cash to Debt 0.64
PHH's Cash to Debt is ranked lower than
66% of the 311 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. PHH: 0.64 )
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: 0.7
Current: 0.64
0.01
0.7
Equity to Asset 0.36
PHH's Equity to Asset is ranked lower than
58% of the 313 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: 0.11  Med: 0.16 Max: 0.36
Current: 0.36
0.11
0.36
F-Score: 3
M-Score: -2.70
WACC vs ROIC
7.04%
-6.24%
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 (%) -26.96
PHH's Operating margin (%) is ranked lower than
88% of the 328 Companies
in the Global Credit Services industry.

( Industry Median: 20.23 vs. PHH: -26.96 )
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: -26.96
-44.44
21.1
Net-margin (%) -18.35
PHH's Net-margin (%) is ranked lower than
88% of the 329 Companies
in the Global Credit Services industry.

( Industry Median: 15.37 vs. PHH: -18.35 )
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: -18.35
-18.35
12.68
ROE (%) -9.83
PHH's ROE (%) is ranked lower than
90% of the 318 Companies
in the Global Credit Services industry.

( Industry Median: 6.80 vs. PHH: -9.83 )
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: -9.83
-18.18
11.09
ROA (%) -3.51
PHH's ROA (%) is ranked lower than
86% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 2.28 vs. PHH: -3.51 )
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: -3.51
-3.65
1.87
Revenue Growth (3Y)(%) -10.30
PHH's Revenue Growth (3Y)(%) is ranked lower than
75% of the 236 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: -28.10 Max: 12.1
Current: -10.3
0
12.1
EPS Growth (3Y)(%) 60.00
PHH's EPS Growth (3Y)(%) is ranked higher than
93% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 5.30 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: -60.80 Max: 60
Current: 60
0
60
» PHH's 10-Y Financials

Financials (Next Earnings Date: 2016-05-04)


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

» Details

Guru Trades

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
Q3 2015

PHH Guru Trades in Q3 2015

Paul Tudor Jones 18,426 sh (+26.99%)
HOTCHKIS & WILEY 5,304,547 sh (+12.30%)
Larry Robbins 5,963,961 sh (unchged)
Steven Cohen Sold Out
Richard Pzena 910,998 sh (-1.99%)
Jim Simons 407,300 sh (-3.41%)
» More
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
» 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
Forward P/E 8.55
PHH's Forward P/E is ranked higher than
63% of the 46 Companies
in the Global Credit Services industry.

( Industry Median: 10.24 vs. PHH: 8.55 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 0.52
PHH's P/B is ranked higher than
78% of the 310 Companies
in the Global Credit Services industry.

( Industry Median: 1.07 vs. PHH: 0.52 )
Ranked among companies with meaningful P/B only.
PHH' s P/B Range Over the Past 10 Years
Min: 0.19  Med: 0.78 Max: 1.09
Current: 0.52
0.19
1.09
P/S 0.94
PHH's P/S is ranked higher than
88% of the 312 Companies
in the Global Credit Services industry.

( Industry Median: 3.18 vs. PHH: 0.94 )
Ranked among companies with meaningful P/S only.
PHH' s P/S Range Over the Past 10 Years
Min: 0.11  Med: 0.63 Max: 3.43
Current: 0.94
0.11
3.43
PFCF 20.15
PHH's PFCF is ranked lower than
76% of the 66 Companies
in the Global Credit Services industry.

( Industry Median: 8.30 vs. PHH: 20.15 )
Ranked among companies with meaningful PFCF only.
PHH' s PFCF Range Over the Past 10 Years
Min: 0.21  Med: 0.79 Max: 25.68
Current: 20.15
0.21
25.68
POCF 10.70
PHH's POCF is ranked lower than
52% of the 90 Companies
in the Global Credit Services industry.

( Industry Median: 8.67 vs. PHH: 10.70 )
Ranked among companies with meaningful POCF only.
PHH' s POCF Range Over the Past 10 Years
Min: 0.14  Med: 0.76 Max: 13.69
Current: 10.7
0.14
13.69

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.61
PHH's Price/Tangible Book is ranked lower than
59% of the 307 Companies
in the Global Credit Services industry.

( Industry Median: 1.15 vs. PHH: 1.61 )
Ranked among companies with meaningful Price/Tangible Book only.
PHH' s Price/Tangible Book Range Over the Past 10 Years
Min: 2.03  Med: 2.90 Max: 16.34
Current: 1.61
2.03
16.34
Price/Projected FCF 0.07
PHH's Price/Projected FCF is ranked higher than
99% of the 67 Companies
in the Global Credit Services industry.

( Industry Median: 0.85 vs. PHH: 0.07 )
Ranked among companies with meaningful Price/Projected FCF only.
PHH' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.08  Med: 0.11 Max: 1.9
Current: 0.07
0.08
1.9
Price/Median PS Value 1.45
PHH's Price/Median PS Value is ranked lower than
80% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 0.94 vs. PHH: 1.45 )
Ranked among companies with meaningful Price/Median PS Value only.
PHH' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.45  Med: 1.00 Max: 3.33
Current: 1.45
0.45
3.33
Earnings Yield (Greenblatt) (%) -17.29
PHH's Earnings Yield (Greenblatt) (%) is ranked lower than
96% of the 318 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. PHH: -17.29 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PHH' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -17.4  Med: 2.00 Max: 10.7
Current: -17.29
-17.4
10.7
Forward Rate of Return (Yacktman) (%) 119.56
PHH's Forward Rate of Return (Yacktman) (%) is ranked higher than
98% of the 82 Companies
in the Global Credit Services industry.

( Industry Median: 3.83 vs. PHH: 119.56 )
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: -12.5  Med: 45.15 Max: 248.1
Current: 119.56
-12.5
248.1

More Statistics

Revenue(Mil) $790
EPS $ -2.62
Beta1.84
Short Percentage of Float10.38%
52-Week Range $8.26 - 27.83
Shares Outstanding(Mil)53.50

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 0.18 1.50
EPS without NRI($) 0.18 1.50

Business Description

Industry: Credit Services » Credit Services
Compare:ASX:FXL, BKK:KTC, BKK:AEONTS, TSE:8584, BOM:500106 » 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 
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 Files SEC form 8-K, Amendments to Articles of Inc. or Bylaws; Change in Fiscal Year Apr 28 2016
PHH Corporation Announces First Quarter 2016 Earnings Release and Conference Call Schedule Apr 27 2016
PHH Corporation Announces First Quarter 2016 Earnings Release and Conference Call Schedule Apr 27 2016
[$$] Consumer Financial Protection Racket Apr 24 2016
PHH stock plummets after major client decides to insource loan originations Apr 12 2016
PHH Corp downgraded by Sterne Agee CRT Apr 12 2016
INVESTOR ALERT: Investigation of PHH Corporation Announced by Law Offices of Howard G. Smith Apr 11 2016
What is Going on With These 5 Falling Stocks? Apr 11 2016
PHH Corporation Provides Update Regarding its Private Label Business Apr 11 2016
PHH CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Apr 11 2016
PHH Corporation Provides Update Regarding its Private Label Business Apr 11 2016
Edwards Lifesciences, Qualcomm, and Comerica, PHH and Hancock Holding highlighted as Zacks Bull and... Apr 04 2016
PHH Corp. breached its 50 day moving average in a Bullish Manner : PHH-US : March 18, 2016 Mar 18 2016
PHH Corporation -- Moody's affirms PHH's Ba3 ratings; revises outlook to negative Mar 11 2016
PHH considering strategic alternatives Mar 10 2016
PHH Corporation Announces Comprehensive Review of Strategic Options to Maximize Shareholder Value Mar 09 2016
PHH CORP Files SEC form 8-K, Change in Directors or Principal Officers Mar 04 2016
PHH CORP Financials Mar 04 2016
Financials Worth the Grade: DFS, SLM, COF, and PHH Mar 02 2016

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