WallStSmart

Cavco Industries Inc (CVCO)vsNVR Inc (NVR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

NVR Inc generates 319% more annual revenue ($9.63B vs $2.30B). NVR leads profitability with a 11.8% profit margin vs 7.9%. NVR appears more attractively valued with a PEG of 4.97. NVR earns a higher WallStSmart Score of 51/100 (C-).

CVCO

Hold

47

out of 100

Grade: D+

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

NVR

Buy

51

out of 100

Grade: C-

Growth: 2.0Profit: 8.0Value: 5.0Quality: 8.5
Piotroski: 4/9Altman Z: 8.42
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

Intrinsic value data unavailable for NVR.

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

NVR3 strengths · Avg: 9.3/10
Return on EquityProfitability
33.7%10/10

Every $100 of equity generates 34 in profit

Altman Z-ScoreHealth
8.4210/10

Safe zone — low bankruptcy risk

P/E RatioValuation
15.9x8/10

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%

NVR4 concerns · Avg: 2.0/10
PEG RatioValuation
4.972/10

Expensive relative to growth rate

Revenue GrowthGrowth
-10.9%2/10

Revenue declined 10.9%

EPS GrowthGrowth
-22.6%2/10

Earnings declined 22.6%

Free Cash FlowQuality
$-157.68M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : CVCO

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

Bull Case : NVR

The strongest argument for NVR centers on Return on Equity, Altman Z-Score, P/E Ratio.

Bear Case : CVCO

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

Bear Case : NVR

The primary concerns for NVR are PEG Ratio, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

CVCO profiles as a value stock while NVR is a declining play — different risk/reward profiles.

CVCO carries more volatility with a beta of 1.28 — 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.

Bottom Line

NVR scores higher overall (51/100 vs 47/100). Both earn "Buy" 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.

NVR Inc

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

NVR, Inc. is a company engaged in home construction. It also operates a mortgage banking and title services business. The company primarily operates on the East Coast of the United States.

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