WallStSmart

Hovnanian Enterprises Inc (HOV)vsLennar Corporation (LEN-B)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lennar Corporation generates 1030% more annual revenue ($33.17B vs $2.94B). LEN-B leads profitability with a 5.4% profit margin vs 1.9%. HOV appears more attractively valued with a PEG of 2.00. HOV earns a higher WallStSmart Score of 47/100 (D+).

HOV

Hold

47

out of 100

Grade: D+

Growth: 4.7Profit: 4.0Value: 7.3Quality: 5.0

LEN-B

Hold

42

out of 100

Grade: D

Growth: 4.7Profit: 5.0Value: 4.7Quality: 8.5
Piotroski: 3/9Altman Z: 3.66
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HOVSignificantly Overvalued (-194.2%)

Margin of Safety

-194.2%

Fair Value

$44.00

Current Price

$110.24

$66.24 premium

UndervaluedFair: $44.00Overvalued
LEN-BSignificantly Overvalued (-137.3%)

Margin of Safety

-137.3%

Fair Value

$47.26

Current Price

$88.33

$41.07 premium

UndervaluedFair: $47.26Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HOV2 strengths · Avg: 9.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

P/E RatioValuation
16.1x8/10

Attractively priced relative to earnings

LEN-B5 strengths · Avg: 9.0/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.6610/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.299/10

Conservative balance sheet, low leverage

P/E RatioValuation
12.8x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$1.67B8/10

Generating 1.7B in free cash flow

Areas to Watch

HOV4 concerns · Avg: 3.3/10
PEG RatioValuation
2.004/10

Expensive relative to growth rate

Market CapQuality
$617.87M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.9%3/10

ROE of 6.9% — below average capital efficiency

Profit MarginProfitability
1.9%3/10

1.9% margin — thin

LEN-B4 concerns · Avg: 2.8/10
Profit MarginProfitability
5.4%3/10

5.4% margin — thin

Operating MarginProfitability
3.7%3/10

Operating margin of 3.7%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
3.042/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : HOV

The strongest argument for HOV centers on Price/Book, P/E Ratio.

Bull Case : LEN-B

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

Bear Case : HOV

The primary concerns for HOV are PEG Ratio, Market Cap, Return on Equity. Thin 1.9% margins leave little buffer for downturns.

Bear Case : LEN-B

The primary concerns for LEN-B are Profit Margin, Operating Margin, Piotroski F-Score.

Key Dynamics to Monitor

HOV carries more volatility with a beta of 2.07 — expect wider price swings.

HOV is growing revenue faster at -6.2% — sustainability is the question.

LEN-B generates stronger free cash flow (1.7B), providing more financial flexibility.

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

Bottom Line

HOV scores higher overall (47/100 vs 42/100). 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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