WallStSmart

Cavco Industries Inc (CVCO)vsNVR Inc (NVR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

NVR Inc generates 374% more annual revenue ($10.44B vs $2.20B). NVR leads profitability with a 12.8% profit margin vs 8.4%. NVR appears more attractively valued with a PEG of 4.97. NVR earns a higher WallStSmart Score of 53/100 (C-).

CVCO

Hold

49

out of 100

Grade: D+

Growth: 4.7Profit: 7.0Value: 4.7Quality: 7.3
Piotroski: 4/9Altman Z: 5.51

NVR

Buy

53

out of 100

Grade: C-

Growth: 2.0Profit: 8.5Value: 4.7Quality: 6.0
Piotroski: 3/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVCOSignificantly Overvalued (-263.7%)

Margin of Safety

-263.7%

Fair Value

$156.47

Current Price

$485.50

$329.03 premium

UndervaluedFair: $156.47Overvalued
NVRSignificantly Overvalued (-172.6%)

Margin of Safety

-172.6%

Fair Value

$2970.24

Current Price

$6552.20

$3581.96 premium

UndervaluedFair: $2970.24Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVCO1 strengths · Avg: 10.0/10
Altman Z-ScoreHealth
5.5110/10

Safe zone — low bankruptcy risk

NVR2 strengths · Avg: 9.0/10
Return on EquityProfitability
33.2%10/10

Every $100 of equity generates 33 in profit

P/E RatioValuation
14.9x8/10

Attractively priced relative to earnings

Areas to Watch

CVCO2 concerns · Avg: 2.0/10
PEG RatioValuation
45.772/10

Expensive relative to growth rate

EPS GrowthGrowth
-19.1%2/10

Earnings declined 19.1%

NVR4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
4.972/10

Expensive relative to growth rate

Revenue GrowthGrowth
-5.0%2/10

Revenue declined 5.0%

EPS GrowthGrowth
-13.1%2/10

Earnings declined 13.1%

Comparative Analysis Report

WallStSmart Research

Bull Case : CVCO

The strongest argument for CVCO centers on Altman Z-Score. Revenue growth of 11.3% demonstrates continued momentum.

Bull Case : NVR

The strongest argument for NVR centers on Return on Equity, P/E Ratio.

Bear Case : CVCO

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

Bear Case : NVR

The primary concerns for NVR are Piotroski F-Score, PEG Ratio, Revenue 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 11.3% — sustainability is the question.

NVR generates stronger free cash flow (436M), providing more financial flexibility.

Bottom Line

NVR scores higher overall (53/100 vs 49/100). 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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