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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.72
PHH's Cash-to-Debt is ranked lower than
65% of the 1639 Companies
in the Global Specialty Finance industry.

( Industry Median: 2.05 vs. PHH: 0.72 )
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: 0.88
Current: 0.72
0.01
0.88
Equity-to-Asset 0.26
PHH's Equity-to-Asset is ranked higher than
95% of the 1624 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.10 vs. PHH: 0.26 )
Ranked among companies with meaningful Equity-to-Asset only.
PHH' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.11  Med: 0.17 Max: 0.37
Current: 0.26
0.11
0.37
Debt-to-Equity 1.16
PHH's Debt-to-Equity is ranked lower than
76% of the 1247 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.63 vs. PHH: 1.16 )
Ranked among companies with meaningful Debt-to-Equity only.
PHH' s Debt-to-Equity Range Over the Past 10 Years
Min: 1.01  Med: 3.58 Max: 6.87
Current: 1.16
1.01
6.87
Debt-to-EBITDA -1.51
PHH's Debt-to-EBITDA is ranked lower than
99.99% of the 1255 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.03 vs. PHH: -1.51 )
Ranked among companies with meaningful Debt-to-EBITDA only.
PHH' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -7.23  Med: 4.69 Max: 6.61
Current: -1.51
-7.23
6.61
Beneish M-Score: -2.92
WACC vs ROIC
6.16%
-23.01%
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 : 1/10

vs
industry
vs
history
Operating Margin % -112.65
PHH's Operating Margin % is ranked lower than
98% of the 1650 Companies
in the Global Specialty Finance industry.

( Industry Median: 32.07 vs. PHH: -112.65 )
Ranked among companies with meaningful Operating Margin % only.
PHH' s Operating Margin % Range Over the Past 10 Years
Min: -112.65  Med: -1.63 Max: 21.1
Current: -112.65
-112.65
21.1
Net Margin % -71.84
PHH's Net Margin % is ranked lower than
98% of the 1650 Companies
in the Global Specialty Finance industry.

( Industry Median: 22.99 vs. PHH: -71.84 )
Ranked among companies with meaningful Net Margin % only.
PHH' s Net Margin % Range Over the Past 10 Years
Min: -71.84  Med: 0.76 Max: 12.68
Current: -71.84
-71.84
12.68
ROE % -30.78
PHH's ROE % is ranked lower than
98% of the 1653 Companies
in the Global Specialty Finance industry.

( Industry Median: 8.60 vs. PHH: -30.78 )
Ranked among companies with meaningful ROE % only.
PHH' s ROE % Range Over the Past 10 Years
Min: -30.78  Med: 0.75 Max: 11.09
Current: -30.78
-30.78
11.09
ROA % -10.25
PHH's ROA % is ranked lower than
99% of the 1657 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.90 vs. PHH: -10.25 )
Ranked among companies with meaningful ROA % only.
PHH' s ROA % Range Over the Past 10 Years
Min: -10.25  Med: 0.12 Max: 1.87
Current: -10.25
-10.25
1.87
3-Year Revenue Growth Rate -14.00
PHH's 3-Year Revenue Growth Rate is ranked lower than
92% of the 1479 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.20 vs. PHH: -14.00 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PHH' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: -30.75 Max: 12.1
Current: -14
0
12.1
GuruFocus has detected 1 Warning Sign with PHH Corp PHH.
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» PHH's 30-Y Financials

Financials (Next Earnings Date: 2018-02-15)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q4 2016

PHH Guru Trades in Q4 2016

Chuck Royce 75,928 sh (New)
Paul Tudor Jones 40,885 sh (+101.23%)
Jim Simons 1,731,500 sh (+33.41%)
Steven Cohen 1,081,472 sh (+30.14%)
Larry Robbins 4,541,229 sh (-3.77%)
HOTCHKIS & WILEY 4,759,420 sh (-4.91%)
» More
Q1 2017

PHH Guru Trades in Q1 2017

Chuck Royce 482,428 sh (+535.38%)
Steven Cohen 1,765,600 sh (+63.26%)
Jim Simons 2,095,800 sh (+21.04%)
Larry Robbins 4,507,439 sh (-0.74%)
Paul Tudor Jones 33,090 sh (-19.07%)
HOTCHKIS & WILEY 2,711,710 sh (-43.02%)
» More
Q2 2017

PHH Guru Trades in Q2 2017

Barrow, Hanley, Mewhinney & Strauss 177,130 sh (New)
Paul Tudor Jones 67,805 sh (+104.91%)
Jim Simons 2,662,400 sh (+27.04%)
Chuck Royce 509,928 sh (+5.70%)
HOTCHKIS & WILEY 2,617,370 sh (-3.48%)
Larry Robbins 3,932,639 sh (-12.75%)
Steven Cohen 351,600 sh (-80.09%)
» More
Q3 2017

PHH Guru Trades in Q3 2017

Paul Tudor Jones 76,406 sh (+12.68%)
Jim Simons 2,811,500 sh (+5.60%)
Barrow, Hanley, Mewhinney & Strauss 177,130 sh (unchged)
Steven Cohen Sold Out
Larry Robbins Sold Out
Chuck Royce Sold Out
HOTCHKIS & WILEY Sold Out
» 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
HOTCHKIS & WILEY 2017-09-30 Sold Out 0.14%Premium Member Access $13.9 $ 11.31-19%0
HOTCHKIS & WILEY 2017-09-30 Sold Out 0.14%$13.06 - $14.25 $ 11.31-19%0
HOTCHKIS & WILEY 2017-06-30 Reduce -3.48%$12.37 - $14.14 $ 11.31-15%2,617,370
Barrow, Hanley, Mewhinney & Strauss 2017-06-30 New Buy$12.37 - $14.14 $ 11.31-15%177,130
HOTCHKIS & WILEY 2017-03-31 Reduce -43.02%0.12%$12.12 - $15.26 $ 11.31-17%2,711,710
HOTCHKIS & WILEY 2016-12-31 Reduce -4.91%0.02%Premium Member Access $15.16 $ 11.31-25%4,759,420
HOTCHKIS & WILEY 2016-12-31 Reduce -4.91%0.01%$14.01 - $15.5 $ 11.31-23%4,759,420
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Banks » Specialty Finance    NAICS: 522310    SIC: 6159
Compare:CAS:CREDIT MAROC, TSE:8508, TSX:EQB, BOM:535322, OSTO:HOFI, TSX:HCG, ASX:PEP, BOM:523756, NYSE:GSBD, NYSE:EFC, DFM:AMLAK, NYSE:OCN, NYSE:PFSI, BOM:511676, BOM:533344, BOM:511196, NAS:ATAX, NYSE:HTGC, LSE:MAB1, XSWX:HBLN » details
Traded in other countries:PQZ.Germany,
Headquarter Location:USA
PHH Corp provides end to end mortgage solutions in the United States. It offers mortgage loan origination services and sells mortgage loans, and provides servicing activities for originated and purchased loans and acts as a sub-servicer.

PHH originates and services residential mortgage loans in the United States. The company generates revenue in three ways: through fees on mortgage loan initiation; by selling on the secondary market loans that it initiated; and by servicing loans. The company outsources its services to clients that include financial institutions and real estate brokers. It also generally retains the servicing rights on loans it has sold and acts as a subservicer on behalf of other clients that own serving rights. Servicing typically generates the most revenue for the company, but each of the three sources of income are substantial.

Ratios

vs
industry
vs
history
PB Ratio 0.65
PHH's PB Ratio is ranked higher than
74% of the 1636 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.22 vs. PHH: 0.65 )
Ranked among companies with meaningful PB Ratio only.
PHH' s PB Ratio Range Over the Past 10 Years
Min: 0.19  Med: 0.74 Max: 1.09
Current: 0.65
0.19
1.09
PS Ratio 1.39
PHH's PS Ratio is ranked higher than
86% of the 1598 Companies
in the Global Specialty Finance industry.

( Industry Median: 3.44 vs. PHH: 1.39 )
Ranked among companies with meaningful PS Ratio only.
PHH' s PS Ratio Range Over the Past 10 Years
Min: 0.11  Med: 0.77 Max: 3.41
Current: 1.39
0.11
3.41
Price-to-Free-Cash-Flow 15.49
PHH's Price-to-Free-Cash-Flow is ranked higher than
79% of the 890 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.78 vs. PHH: 15.49 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PHH' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.12  Med: 0.75 Max: 28.26
Current: 15.49
0.12
28.26
Price-to-Operating-Cash-Flow 14.09
PHH's Price-to-Operating-Cash-Flow is ranked higher than
78% of the 957 Companies
in the Global Specialty Finance industry.

( Industry Median: 10.35 vs. PHH: 14.09 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PHH' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.14  Med: 0.77 Max: 17.72
Current: 14.09
0.14
17.72
EV-to-EBIT -1.21
PHH's EV-to-EBIT is ranked lower than
99.99% of the 1255 Companies
in the Global Specialty Finance industry.

( Industry Median: 12.71 vs. PHH: -1.21 )
Ranked among companies with meaningful EV-to-EBIT only.
PHH' s EV-to-EBIT Range Over the Past 10 Years
Min: -2350.5  Med: -5 Max: 6310.8
Current: -1.21
-2350.5
6310.8
EV-to-EBITDA -1.24
PHH's EV-to-EBITDA is ranked lower than
99.99% of the 1254 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.38 vs. PHH: -1.24 )
Ranked among companies with meaningful EV-to-EBITDA only.
PHH' s EV-to-EBITDA Range Over the Past 10 Years
Min: -12.6  Med: 4.7 Max: 14.1
Current: -1.24
-12.6
14.1
EV-to-Revenue 1.35
PHH's EV-to-Revenue is ranked higher than
78% of the 1293 Companies
in the Global Specialty Finance industry.

( Industry Median: 4.22 vs. PHH: 1.35 )
Ranked among companies with meaningful EV-to-Revenue only.
PHH' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.4  Med: 2.8 Max: 10.7
Current: 1.35
1.4
10.7

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 2.20
PHH's 3-Year Average Share Buyback Ratio is ranked higher than
91% of the 1129 Companies
in the Global Specialty Finance industry.

( Industry Median: -2.20 vs. PHH: 2.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PHH' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -26.6  Med: -0.7 Max: 3.2
Current: 2.2
-26.6
3.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 3.91
PHH's Price-to-Tangible-Book is ranked lower than
73% of the 1630 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.30 vs. PHH: 3.91 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PHH' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.84  Med: 2.98 Max: 122.3
Current: 3.91
0.84
122.3
Price-to-Intrinsic-Value-Projected-FCF 0.06
PHH's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
98% of the 857 Companies
in the Global Specialty Finance industry.

( Industry Median: 0.85 vs. PHH: 0.06 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PHH' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.06  Med: 0.09 Max: 1.49
Current: 0.06
0.06
1.49
Price-to-Median-PS-Value 1.82
PHH's Price-to-Median-PS-Value is ranked lower than
91% of the 1469 Companies
in the Global Specialty Finance industry.

( Industry Median: 1.16 vs. PHH: 1.82 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PHH' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.37  Med: 0.9 Max: 4.14
Current: 1.82
0.37
4.14
Earnings Yield (Greenblatt) % -83.84
PHH's Earnings Yield (Greenblatt) % is ranked lower than
95% of the 1657 Companies
in the Global Specialty Finance industry.

( Industry Median: 5.51 vs. PHH: -83.84 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PHH' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -84.75  Med: -0.6 Max: 10.7
Current: -83.84
-84.75
10.7
Forward Rate of Return (Yacktman) % 133.01
PHH's Forward Rate of Return (Yacktman) % is ranked higher than
98% of the 981 Companies
in the Global Specialty Finance industry.

( Industry Median: 11.33 vs. PHH: 133.01 )
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: -12.9  Med: 83 Max: 248.1
Current: 133.01
-12.9
248.1

More Statistics

Revenue (TTM) (Mil) $419.00
EPS (TTM) $ -5.75
Beta2.33
Short Percentage of Float3.35%
52-Week Range $10.89 - 15.70
Shares Outstanding (Mil)32.55

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 433 337 229
EPS ($) -2.60 -3.33 0.45
EPS without NRI ($) -2.60 -3.33 0.45
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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