WallStSmart

M/I Homes Inc (MHO)vsToll Brothers Inc (TOL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Toll Brothers Inc generates 152% more annual revenue ($10.76B vs $4.26B). TOL leads profitability with a 11.1% profit margin vs 7.4%. TOL appears more attractively valued with a PEG of 0.90. TOL earns a higher WallStSmart Score of 59/100 (C).

MHO

Buy

56

out of 100

Grade: C

Growth: 2.7Profit: 5.5Value: 6.7Quality: 8.5
Piotroski: 4/9Altman Z: 4.49

TOL

Buy

59

out of 100

Grade: C

Growth: 2.7Profit: 6.0Value: 6.7Quality: 8.0
Piotroski: 3/9Altman Z: 3.60
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MHOSignificantly Overvalued (-77.9%)

Margin of Safety

-77.9%

Fair Value

$81.72

Current Price

$140.34

$58.62 premium

UndervaluedFair: $81.72Overvalued
TOLSignificantly Overvalued (-41.6%)

Margin of Safety

-41.6%

Fair Value

$95.74

Current Price

$137.62

$41.88 premium

UndervaluedFair: $95.74Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MHO4 strengths · Avg: 9.5/10
P/E RatioValuation
11.9x10/10

Attractively priced relative to earnings

Price/BookValuation
1.1x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
4.4910/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.958/10

Growing faster than its price suggests

TOL4 strengths · Avg: 9.5/10
P/E RatioValuation
10.7x10/10

Attractively priced relative to earnings

Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.6010/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.908/10

Growing faster than its price suggests

Areas to Watch

MHO3 concerns · Avg: 2.3/10
Profit MarginProfitability
7.4%3/10

7.4% margin — thin

Revenue GrowthGrowth
-8.5%2/10

Revenue declined 8.5%

EPS GrowthGrowth
-31.7%2/10

Earnings declined 31.7%

TOL3 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-9.7%2/10

Revenue declined 9.7%

EPS GrowthGrowth
-20.4%2/10

Earnings declined 20.4%

Comparative Analysis Report

WallStSmart Research

Bull Case : MHO

The strongest argument for MHO centers on P/E Ratio, Price/Book, Altman Z-Score. PEG of 0.95 suggests the stock is reasonably priced for its growth.

Bull Case : TOL

The strongest argument for TOL centers on P/E Ratio, Price/Book, Altman Z-Score. PEG of 0.90 suggests the stock is reasonably priced for its growth.

Bear Case : MHO

The primary concerns for MHO are Profit Margin, Revenue Growth, EPS Growth.

Bear Case : TOL

The primary concerns for TOL are Piotroski F-Score, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

MHO profiles as a value stock while TOL is a declining play — different risk/reward profiles.

MHO carries more volatility with a beta of 1.61 — expect wider price swings.

MHO is growing revenue faster at -8.5% — sustainability is the question.

TOL generates stronger free cash flow (220M), providing more financial flexibility.

Bottom Line

TOL scores higher overall (59/100 vs 56/100). Both earn "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.

M/I Homes Inc

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

M / I Homes, Inc., is a builder of single-family homes in Ohio, Indiana, Illinois, Michigan, Minnesota, North Carolina, Florida and Texas, United States. The company is headquartered in Columbus, Ohio.

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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