WallStSmart

Hovnanian Enterprises Inc (HOV)vsLennar Corporation (LEN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lennar Corporation generates 1022% more annual revenue ($32.74B vs $2.92B). LEN leads profitability with a 4.9% profit margin vs 1.3%. HOV appears more attractively valued with a PEG of 2.00. LEN earns a higher WallStSmart Score of 46/100 (D+).

HOV

Hold

45

out of 100

Grade: D

Growth: 2.7Profit: 4.0Value: 4.3Quality: 4.5
Piotroski: 4/9Altman Z: 1.92

LEN

Hold

46

out of 100

Grade: D+

Growth: 2.7Profit: 5.5Value: 5.3Quality: 8.5
Piotroski: 3/9Altman Z: 3.66
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for HOV.

LENUndervalued (+11.2%)

Margin of Safety

+11.2%

Fair Value

$136.26

Current Price

$90.49

$45.77 discount

UndervaluedFair: $136.26Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HOV1 strengths · Avg: 10.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

LEN4 strengths · Avg: 9.3/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.6610/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.209/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.2x8/10

Attractively priced relative to earnings

Areas to Watch

HOV4 concerns · Avg: 3.8/10
PEG RatioValuation
2.004/10

Expensive relative to growth rate

P/E RatioValuation
31.8x4/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
1.924/10

Grey zone — moderate risk

Market CapQuality
$672.08M3/10

Smaller company, higher risk/reward

LEN4 concerns · Avg: 2.5/10
Profit MarginProfitability
4.9%3/10

4.9% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
12.282/10

Expensive relative to growth rate

Revenue GrowthGrowth
-5.2%2/10

Revenue declined 5.2%

Comparative Analysis Report

WallStSmart Research

Bull Case : HOV

The strongest argument for HOV centers on Price/Book.

Bull Case : LEN

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

Bear Case : HOV

The primary concerns for HOV are PEG Ratio, P/E Ratio, Altman Z-Score. Thin 1.3% margins leave little buffer for downturns.

Bear Case : LEN

The primary concerns for LEN are Profit Margin, Piotroski F-Score, PEG Ratio. Thin 4.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

HOV carries more volatility with a beta of 1.87 — expect wider price swings.

HOV is growing revenue faster at -2.7% — sustainability is the question.

HOV generates stronger free cash flow (-70M), providing more financial flexibility.

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

Bottom Line

LEN scores higher overall (46/100 vs 45/100). 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.

Hovnanian Enterprises Inc

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

Hovnanian Enterprises, Inc. is dedicated to the design, construction, marketing and sales of residential homes in the United States. The company is headquartered in Matawan, New Jersey.

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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