Meritage Homes Corp (MTH) Q4 2024 Earnings Call Highlights: Record Revenue Amidst Market Challenges

GuruFocus.com
31 Jan
  • Home Deliveries: 4,044 homes in Q4 2024.
  • Home Closing Revenue: $1.6 billion in Q4 2024.
  • Gross Margin: 23.2% for Q4 2024.
  • SG&A Leverage: 10.8% for Q4 2024.
  • Diluted EPS: $4.72 for Q4 2024.
  • Annual Closing Volume: 15,611 homes for full year 2024.
  • Annual Closing Revenue: $6.3 billion for full year 2024.
  • Annual Gross Margin: 24.9% for full year 2024.
  • Return on Equity (ROE): 16.1% for 2024.
  • Annual EBITDA: Over $1 billion for each of the last three years.
  • Backlog Conversion Rate: 177% as of December 31, 2024.
  • Share Repurchase: Nearly 6% of outstanding shares since 2022.
  • Community Count: 292 as of December 31, 2024.
  • Orders: 3,304 homes in Q4 2024.
  • Average Sales Price (ASP): $400,000 for Q4 2024, down 4% year-over-year.
  • Cancellation Rate: 10% for Q4 2024.
  • Net Debt to Capitalization: 11.7% as of December 31, 2024.
  • Cash Balance: $652 million as of December 31, 2024.
  • Land Spend: $2.5 billion for full year 2024.
  • Share Buybacks: $126 million spent in 2024, repurchasing over 730,000 shares.
  • Guidance for Q1 2025: Closings between 3,200 and 3,500 units; Revenue of $1.26 billion to $1.40 billion; Gross margin around 22%; EPS of $1.59 to $1.83.
  • Warning! GuruFocus has detected 2 Warning Sign with MTH.

Release Date: January 30, 2025

For the complete transcript of the earnings call, please refer to the full earnings call transcript.

Positive Points

  • Meritage Homes Corp (NYSE:MTH) achieved a record high closing revenue of $6.3 billion in 2024, despite a decrease in average sales price.
  • The company maintained a strong home closing gross margin of 24.9% for the full year 2024, above their long-term target.
  • Meritage Homes Corp (NYSE:MTH) achieved a significant improvement in construction cycle times, returning to historical averages of 120 days.
  • The company demonstrated a strong commitment to shareholder returns, repurchasing nearly 6% of outstanding shares since 2022 and increasing cash dividends.
  • Meritage Homes Corp (NYSE:MTH) expanded its market presence by entering new regions, including the Gulf Coast and Huntsville, Alabama.

Negative Points

  • The company experienced a 12% year-over-year decrease in fourth quarter 2024 diluted EPS, attributed to lower home closing revenue and gross profit.
  • Meritage Homes Corp (NYSE:MTH) faced challenges with elevated financing incentives, impacting gross margins and average sales prices.
  • The company anticipates continued elevated use of financing incentives due to the volatile mortgage rate environment.
  • Meritage Homes Corp (NYSE:MTH) reported a decrease in average sales price on orders due to increased financing incentives and a shift in product and geographic mix.
  • The company is operating in a challenging environment with a 7% mortgage rate, which could impact future sales and margins.

Q & A Highlights

Q: How should we think about the drivers of the gross margin trajectory, particularly regarding incentives and other factors like locked costs or construction costs? A: Hilla Sferruzza, CFO, explained that the gross margin trajectory is primarily influenced by incentives. The current market conditions are modeled, and any improvement in volume or reduction in financing incentives could positively impact margins.

Q: With a softer start to the year, are there other measures needed to hit the full-year closings guidance? A: Phillippe Lord, CEO, expressed confidence in meeting the full-year closing guidance based on current market conditions. He noted that while January started slow, the spring selling season is expected to be healthy, and the company is prepared to adjust incentives if necessary.

Q: Is there a level where the focus on volume shifts, and would you be willing to take margins lower to achieve volume targets? A: Phillippe Lord stated that the company aims to maintain a balance between volume and margins. If interest rates improve, they might pursue more volume aggressively. However, if rates worsen, they would increase incentives to maintain volume, while still optimizing margins.

Q: How does Meritage Homes plan to achieve 20,000 closings by 2027, and is M&A part of this strategy? A: Phillippe Lord confirmed that the company has the market platform and land needed to reach 20,000 units through organic growth, without relying on major M&A. The recent acquisition of Elliott Homes and expansion into Huntsville support this growth strategy.

Q: How are you thinking about SG&A leverage with the projected sales growth? A: Phillippe Lord mentioned that the long-term goal is to achieve SG&A as a percentage of home closing revenue at 9.5% or better as they grow to 20,000 units. The company is investing in infrastructure and technology to support this target.

Q: What is your view on completed inventory levels and the potential risk of price discounting in a slower market? A: Phillippe Lord believes that demand still outpaces supply, and Meritage's strategy of offering only completed inventory reduces the need for discounting. The company does not offer build-to-order homes, which helps maintain pricing stability.

Q: Can you provide an update on your longer-term land strategy and any innovative approaches being considered? A: Hilla Sferruzza discussed a new joint venture structure for financing land, particularly in California, which allows for more efficient land development. This approach could be expanded to other markets if successful.

Q: How do you manage starts versus incentives versus sales pace, especially if the market isn't achieving targeted sales? A: Phillippe Lord emphasized that the goal is to achieve four sales per month per subdivision. If this target isn't met, incentives are adjusted to reach it, and starts are aligned with sales pace to maintain balance.

For the complete transcript of the earnings call, please refer to the full earnings call transcript.

This article first appeared on GuruFocus.

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