WallStSmart

Toll Brothers Inc (TOL)vsUnited Homes Group Inc. (UHG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Toll Brothers Inc generates 2667% more annual revenue ($11.25B vs $406.69M). TOL leads profitability with a 12.3% profit margin vs -4.0%. TOL earns a higher WallStSmart Score of 75/100 (B+).

TOL

Strong Buy

75

out of 100

Grade: B+

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

UHG

Hold

40

out of 100

Grade: D

Growth: 2.7Profit: 2.5Value: 5.0Quality: 6.0
Piotroski: 4/9Altman Z: 2.46
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

TOLUndervalued (+74.4%)

Margin of Safety

+74.4%

Fair Value

$629.93

Current Price

$136.91

$493.02 discount

UndervaluedFair: $629.93Overvalued

Intrinsic value data unavailable for UHG.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

UHG1 strengths · Avg: 10.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Areas to Watch

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

UHG4 concerns · Avg: 3.0/10
EPS GrowthGrowth
2.8%4/10

2.8% earnings growth

Market CapQuality
$68.83M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
1.2%3/10

Operating margin of 1.2%

Return on EquityProfitability
-26.2%2/10

ROE of -26.2% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : UHG

The strongest argument for UHG centers on Price/Book.

Bear Case : TOL

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

Bear Case : UHG

The primary concerns for UHG are EPS Growth, Market Cap, Operating Margin. Debt-to-equity of 2.82 is elevated, increasing financial risk.

Key Dynamics to Monitor

TOL profiles as a growth stock while UHG is a turnaround play — different risk/reward profiles.

TOL carries more volatility with a beta of 1.45 — expect wider price swings.

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

UHG generates stronger free cash flow (448,000), providing more financial flexibility.

Bottom Line

TOL scores higher overall (75/100 vs 40/100) and 15.4% revenue growth. Both earn "Strong 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.

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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United Homes Group Inc.

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

United Homes Group, Inc. is a homebuilder in the Southeast that provides affordable homes for the entry-level and first move-up byer segments. The company is headquartered in Irmo, South Carolina.

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