WallStSmart

Cavco Industries Inc (CVCO)vsLennar Corporation (LEN-B)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lennar Corporation generates 1325% more annual revenue ($32.74B vs $2.30B). CVCO leads profitability with a 7.9% profit margin vs 4.9%. LEN-B appears more attractively valued with a PEG of 11.11. CVCO earns a higher WallStSmart Score of 47/100 (D+).

CVCO

Hold

47

out of 100

Grade: D+

Growth: 4.0Profit: 6.5Value: 3.3Quality: 8.5
Piotroski: 5/9Altman Z: 5.45

LEN-B

Hold

44

out of 100

Grade: D

Growth: 2.7Profit: 5.0Value: 6.7Quality: 8.5
Piotroski: 3/9Altman Z: 3.66
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVCOSignificantly Overvalued (-44.0%)

Margin of Safety

-44.0%

Fair Value

$395.06

Current Price

$529.64

$134.58 premium

UndervaluedFair: $395.06Overvalued
LEN-BUndervalued (+85.4%)

Margin of Safety

+85.4%

Fair Value

$766.39

Current Price

$78.27

$688.12 discount

UndervaluedFair: $766.39Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVCO2 strengths · Avg: 10.0/10
Debt/EquityHealth
0.0410/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
5.4510/10

Safe zone — low bankruptcy risk

LEN-B4 strengths · Avg: 9.3/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.6610/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.299/10

Conservative balance sheet, low leverage

P/E RatioValuation
13.0x8/10

Attractively priced relative to earnings

Areas to Watch

CVCO3 concerns · Avg: 2.3/10
Profit MarginProfitability
7.9%3/10

7.9% margin — thin

PEG RatioValuation
45.772/10

Expensive relative to growth rate

EPS GrowthGrowth
-15.4%2/10

Earnings declined 15.4%

LEN-B4 concerns · Avg: 2.8/10
Return on EquityProfitability
7.5%3/10

ROE of 7.5% — below average capital efficiency

Profit MarginProfitability
4.9%3/10

4.9% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
11.112/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : CVCO

The strongest argument for CVCO centers on Debt/Equity, Altman Z-Score.

Bull Case : LEN-B

The strongest argument for LEN-B centers on Price/Book, Altman Z-Score, Debt/Equity.

Bear Case : CVCO

The primary concerns for CVCO are Profit Margin, PEG Ratio, EPS Growth.

Bear Case : LEN-B

The primary concerns for LEN-B are Return on Equity, Profit Margin, Piotroski F-Score. Thin 4.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

LEN-B carries more volatility with a beta of 1.40 — expect wider price swings.

CVCO is growing revenue faster at 9.5% — sustainability is the question.

CVCO generates stronger free cash flow (49M), providing more financial flexibility.

Monitor RESIDENTIAL CONSTRUCTION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CVCO scores higher overall (47/100 vs 44/100). LEN-B offers better value entry with a 85.4% margin of safety. Both earn "Hold" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Cavco Industries Inc

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

Cavco Industries, Inc. designs, produces and retails manufactured homes primarily in the United States. The company is headquartered in Phoenix, Arizona.

Lennar Corporation

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

Lennar Corporation is a home construction and real estate company based in Fontainebleau, Florida.

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