PHH Financials
This page shows PHH (PHH) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 3 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
PHH has an operating margin of 33.3%, meaning the company retains $33 of operating profit per $100 of revenue. This strong profitability earns a score of 100/100, reflecting efficient cost management and pricing power. This is down from 48.0% the prior year.
PHH's revenue declined 3.1% year-over-year, from $2.5M to $2.4M. This contraction results in a growth score of 20/100.
PHH carries a low D/E ratio of 1.05, meaning only $1.05 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 72/100, indicating a strong balance sheet with room for future borrowing.
PHH's current ratio of 1.87 indicates adequate short-term liquidity, earning a score of 55/100. The company can meet its near-term obligations, though with limited headroom.
PHH converts 36.7% of revenue into free cash flow ($875K). This strong cash generation earns a score of 100/100.
PHH earns a strong 31.8% return on equity (ROE), meaning it generates $32 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 100/100. This is down from 84.2% the prior year.
PHH scores 7.22, well above the 2.99 safe threshold. The score is driven primarily by a large market capitalization ($13.0M) relative to total liabilities ($1.6M). This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
PHH passes 6 of 9 financial strength tests. 3 of 4 profitability signals pass, 2 of 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
For every $1 of reported earnings, PHH generates $2.01 in operating cash flow ($960K OCF vs $479K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
PHH generated $2.4M in revenue in fiscal year 2024. This represents a decrease of 3.1% from the prior year.
PHH's EBITDA was $816K in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 32.0% from the prior year.
PHH generated $875K in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 742.4% from the prior year.
PHH reported $479K in net income in fiscal year 2024. This represents a decrease of 43.8% from the prior year.
PHH earned $0.02 per diluted share (EPS) in fiscal year 2024. This represents a decrease of 33.3% from the prior year.
PHH held $547K in cash against $0 in long-term debt as of fiscal year 2024.
PHH had 25M shares outstanding in fiscal year 2024. This represents an increase of 0.0% from the prior year.
PHH's gross margin was 91.8% in fiscal year 2024, indicating the percentage of revenue retained after direct costs. This is up 4.4 percentage points from the prior year.
PHH's operating margin was 33.3% in fiscal year 2024, reflecting core business profitability. This is down 14.7 percentage points from the prior year.
PHH's net profit margin was 20.1% in fiscal year 2024, showing the share of revenue converted to profit. This is down 14.6 percentage points from the prior year.
PHH's ROE was 31.8% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 52.4 percentage points from the prior year.
PHH invested $37K in research and development in fiscal year 2024. This represents an increase of 18.9% from the prior year.
PHH invested $86K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 277.4% from the prior year.
PHH Income Statement
| Metric | Q2'25 | Q2'24 | Q3'23 |
|---|---|---|---|
| Revenue | N/A | N/A | N/A |
| Cost of Revenue | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A |
| Interest Expense | N/A | N/A | N/A |
| Income Tax | N/A | N/A | N/A |
| Net Income | N/A | N/A | N/A |
| EPS (Diluted) | N/A | N/A | N/A |
PHH Balance Sheet
| Metric | Q2'25 | Q2'24 | Q3'23 |
|---|---|---|---|
| Total Assets | $5.8M+89.2% | $3.1M+36.1% | $2.3M |
| Current Assets | $5.6M+96.3% | $2.8M+30.7% | $2.2M |
| Cash & Equivalents | $1.4M+146.8% | $547K-47.0% | $1.0M |
| Inventory | $66K-7.9% | $71K-25.4% | $96K |
| Accounts Receivable | $123K-62.8% | $331K-8.5% | $362K |
| Goodwill | N/A | N/A | N/A |
| Total Liabilities | $1.6M+0.3% | $1.6M+25.9% | $1.3M |
| Current Liabilities | $1.5M-0.4% | $1.5M+22.7% | $1.2M |
| Long-Term Debt | N/A | N/A | N/A |
| Total Equity | $4.3M+182.2% | $1.5M+48.8% | $1.0M |
| Retained Earnings | -$19.6M-7298.3% | $272K+358.3% | -$105K |
PHH Cash Flow Statement
| Metric | Q2'25 | Q2'24 | Q3'23 |
|---|---|---|---|
| Operating Cash Flow | N/A | N/A | N/A |
| Capital Expenditures | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A |
| Investing Cash Flow | N/A | N/A | N/A |
| Financing Cash Flow | N/A | N/A | N/A |
| Dividends Paid | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A |
PHH Financial Ratios
| Metric | Q2'25 | Q2'24 | Q3'23 |
|---|---|---|---|
| Gross Margin | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A |
| Net Margin | N/A | N/A | N/A |
| Return on Equity | N/A | N/A | N/A |
| Return on Assets | N/A | N/A | N/A |
| Current Ratio | 3.68+1.8 | 1.87+0.1 | 1.75 |
| Debt-to-Equity | 0.37-0.7 | 1.05-0.2 | 1.24 |
| FCF Margin | N/A | N/A | N/A |
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Frequently Asked Questions
What is PHH's annual revenue?
PHH (PHH) reported $2.4M in total revenue for fiscal year 2024. This represents a -3.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is PHH's revenue growing?
PHH (PHH) revenue declined by 3.1% year-over-year, from $2.5M to $2.4M in fiscal year 2024.
Is PHH profitable?
Yes, PHH (PHH) reported a net income of $479K in fiscal year 2024, with a net profit margin of 20.1%.
What is PHH's earnings per share (EPS)?
PHH (PHH) reported diluted earnings per share of $0.02 for fiscal year 2024. This represents a -33.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is PHH's EBITDA?
PHH (PHH) had EBITDA of $816K in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.
What is PHH's gross margin?
PHH (PHH) had a gross margin of 91.8% in fiscal year 2024, indicating the percentage of revenue retained after direct costs of goods sold.
What is PHH's operating margin?
PHH (PHH) had an operating margin of 33.3% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.
What is PHH's net profit margin?
PHH (PHH) had a net profit margin of 20.1% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is PHH's return on equity (ROE)?
PHH (PHH) has a return on equity of 31.8% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is PHH's free cash flow?
PHH (PHH) generated $875K in free cash flow during fiscal year 2024. This represents a 742.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is PHH's operating cash flow?
PHH (PHH) generated $960K in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are PHH's total assets?
PHH (PHH) had $3.1M in total assets as of fiscal year 2024, including both current and long-term assets.
What are PHH's capital expenditures?
PHH (PHH) invested $86K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How much does PHH spend on research and development?
PHH (PHH) invested $37K in research and development during fiscal year 2024.
How many shares does PHH have outstanding?
PHH (PHH) had 25M shares outstanding as of fiscal year 2024.
What is PHH's current ratio?
PHH (PHH) had a current ratio of 1.87 as of fiscal year 2024, which is generally considered healthy.
What is PHH's debt-to-equity ratio?
PHH (PHH) had a debt-to-equity ratio of 1.05 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is PHH's return on assets (ROA)?
PHH (PHH) had a return on assets of 15.5% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is PHH's Altman Z-Score?
PHH (PHH) has an Altman Z-Score of 7.22, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is PHH's Piotroski F-Score?
PHH (PHH) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are PHH's earnings high quality?
PHH (PHH) has an earnings quality ratio of 2.01x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is PHH?
PHH (PHH) scores 74 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.