WallStSmart

NVR Inc (NVR)vsSea Ltd (SE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sea Ltd generates 154% more annual revenue ($25.19B vs $9.92B). NVR leads profitability with a 12.5% profit margin vs 6.4%. SE appears more attractively valued with a PEG of 1.51. SE earns a higher WallStSmart Score of 52/100 (C-).

NVR

Hold

49

out of 100

Grade: D+

Growth: 2.0Profit: 8.0Value: 5.0Quality: 8.5
Piotroski: 4/9Altman Z: 8.42

SE

Buy

52

out of 100

Grade: C-

Growth: 8.0Profit: 5.5Value: 6.0Quality: 7.5
Piotroski: 6/9Altman Z: 1.53
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for NVR.

SEUndervalued (+52.3%)

Margin of Safety

+52.3%

Fair Value

$240.26

Current Price

$108.37

$131.89 discount

UndervaluedFair: $240.26Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NVR3 strengths · Avg: 9.3/10
Return on EquityProfitability
33.7%10/10

Every $100 of equity generates 34 in profit

Altman Z-ScoreHealth
8.4210/10

Safe zone — low bankruptcy risk

P/E RatioValuation
15.8x8/10

Attractively priced relative to earnings

SE3 strengths · Avg: 9.3/10
Revenue GrowthGrowth
46.6%10/10

Revenue surging 46.6% year-over-year

Market CapQuality
$66.83B9/10

Large-cap with strong market position

Debt/EquityHealth
0.289/10

Conservative balance sheet, low leverage

Areas to Watch

NVR3 concerns · Avg: 2.0/10
PEG RatioValuation
4.972/10

Expensive relative to growth rate

Revenue GrowthGrowth
-21.4%2/10

Revenue declined 21.4%

EPS GrowthGrowth
-28.5%2/10

Earnings declined 28.5%

SE4 concerns · Avg: 3.8/10
PEG RatioValuation
1.514/10

Expensive relative to growth rate

EPS GrowthGrowth
3.1%4/10

3.1% earnings growth

Altman Z-ScoreHealth
1.534/10

Distress zone — elevated risk

Profit MarginProfitability
6.4%3/10

6.4% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : NVR

The strongest argument for NVR centers on Return on Equity, Altman Z-Score, P/E Ratio.

Bull Case : SE

The strongest argument for SE centers on Revenue Growth, Market Cap, Debt/Equity. Revenue growth of 46.6% demonstrates continued momentum.

Bear Case : NVR

The primary concerns for NVR are PEG Ratio, Revenue Growth, EPS Growth.

Bear Case : SE

The primary concerns for SE are PEG Ratio, EPS Growth, Altman Z-Score. A P/E of 41.5x leaves little room for execution misses.

Key Dynamics to Monitor

NVR profiles as a declining stock while SE is a hypergrowth play — different risk/reward profiles.

SE carries more volatility with a beta of 1.55 — expect wider price swings.

SE is growing revenue faster at 46.6% — sustainability is the question.

SE generates stronger free cash flow (919M), providing more financial flexibility.

Bottom Line

SE scores higher overall (52/100 vs 49/100) and 46.6% revenue growth. 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.

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.

Sea Ltd

CONSUMER CYCLICAL · INTERNET RETAIL · USA

Sea Limited is engaged in the digital entertainment, e-commerce and digital financial services businesses in Southeast Asia, Latin America, the rest of Asia and internationally. The company is headquartered in Singapore.

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