M/I Homes, Inc. — Earnings Quality Grade F
MHO · Consumer Cyclical
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue -1.9%, CFFO -23.6%. Cash follows revenue
Expense Quality
Inventory 9.5% vs COGS 1.4%. Normal
CapEx growth 14.2% vs revenue -1.9%. Normal
SG&A/Gross Profit = 48.0%. Normal
Gross margin 24.1%, change -2.5pp. Stable
Cash Flow Quality
CFFO/NI = 0.34. Only 34% of profit backed by cash
FCF < 50% of Net Income for 2 years
Accruals ratio = 5.6%. Elevated
Cash $0.7B covers 67% of debt $1.0B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 1% of equity. Manageable
Debt/EBITDA = 1.8x. Healthy
Other assets 7.6% vs revenue -1.9%. Normal
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 2% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25