WallStSmart

LGI Homes (LGIH)vsToll Brothers Inc (TOL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Toll Brothers Inc generates 560% more annual revenue ($11.25B vs $1.71B). TOL leads profitability with a 12.3% profit margin vs 4.3%. LGIH appears more attractively valued with a PEG of 0.69. TOL earns a higher WallStSmart Score of 75/100 (B+).

LGIH

Buy

50

out of 100

Grade: C-

Growth: 2.0Profit: 5.5Value: 7.3Quality: 8.5
Piotroski: 3/9Altman Z: 3.07

TOL

Strong Buy

75

out of 100

Grade: B+

Growth: 6.7Profit: 7.0Value: 10.0Quality: 8.5
Piotroski: 3/9Altman Z: 3.60
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LGIHSignificantly Overvalued (-187.1%)

Margin of Safety

-187.1%

Fair Value

$21.22

Current Price

$39.34

$18.12 premium

UndervaluedFair: $21.22Overvalued
TOLUndervalued (+74.4%)

Margin of Safety

+74.4%

Fair Value

$629.93

Current Price

$136.91

$493.02 discount

UndervaluedFair: $629.93Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LGIH4 strengths · Avg: 9.0/10
Price/BookValuation
0.4x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.0710/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.698/10

Growing faster than its price suggests

P/E RatioValuation
12.6x8/10

Attractively priced relative to earnings

TOL6 strengths · Avg: 8.7/10
P/E RatioValuation
9.8x10/10

Attractively priced relative to earnings

Altman Z-ScoreHealth
3.6010/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.998/10

Growing faster than its price suggests

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
15.4%8/10

15.4% revenue growth

EPS GrowthGrowth
25.1%8/10

Earnings expanding 25.1% YoY

Areas to Watch

LGIH4 concerns · Avg: 3.0/10
Market CapQuality
$910.06M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.5%3/10

ROE of 3.5% — below average capital efficiency

Profit MarginProfitability
4.3%3/10

4.3% margin — thin

Operating MarginProfitability
4.0%3/10

Operating margin of 4.0%

TOL2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-11.59M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : LGIH

The strongest argument for LGIH centers on Price/Book, Altman Z-Score, PEG Ratio. PEG of 0.69 suggests the stock is reasonably priced for its growth.

Bull Case : TOL

The strongest argument for TOL centers on P/E Ratio, Altman Z-Score, PEG Ratio. Revenue growth of 15.4% demonstrates continued momentum. PEG of 0.99 suggests the stock is reasonably priced for its growth.

Bear Case : LGIH

The primary concerns for LGIH are Market Cap, Return on Equity, Profit Margin. Thin 4.3% margins leave little buffer for downturns.

Bear Case : TOL

The primary concerns for TOL are Piotroski F-Score, Free Cash Flow.

Key Dynamics to Monitor

LGIH profiles as a value stock while TOL is a growth play — different risk/reward profiles.

LGIH carries more volatility with a beta of 1.79 — expect wider price swings.

TOL is growing revenue faster at 15.4% — sustainability is the question.

LGIH generates stronger free cash flow (87M), providing more financial flexibility.

Bottom Line

TOL scores higher overall (75/100 vs 50/100) and 15.4% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

LGI Homes

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

LGI Homes, Inc. designs, builds and sells homes in the United States. The company is headquartered in The Woodlands, Texas.

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Toll Brothers Inc

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

Toll Brothers, Inc. designs, builds, markets, sells and manages the financing of a variety of detached and attached homes in luxury residential communities in the United States. The company is headquartered in Horsham, Pennsylvania.

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