WallStSmart

Cavco Industries Inc (CVCO)vsDR Horton Inc (DHI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

DR Horton Inc generates 1386% more annual revenue ($33.35B vs $2.24B). DHI leads profitability with a 9.5% profit margin vs 8.5%. DHI appears more attractively valued with a PEG of 1.28. DHI earns a higher WallStSmart Score of 55/100 (C).

CVCO

Buy

52

out of 100

Grade: C-

Growth: 6.0Profit: 7.0Value: 3.3Quality: 8.5
Piotroski: 5/9Altman Z: 5.41

DHI

Buy

55

out of 100

Grade: C

Growth: 2.7Profit: 6.0Value: 5.3Quality: 8.5
Piotroski: 3/9Altman Z: 5.10
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVCOSignificantly Overvalued (-48.4%)

Margin of Safety

-48.4%

Fair Value

$383.47

Current Price

$549.91

$166.44 premium

UndervaluedFair: $383.47Overvalued
DHISignificantly Overvalued (-52.8%)

Margin of Safety

-52.8%

Fair Value

$100.86

Current Price

$146.49

$45.63 premium

UndervaluedFair: $100.86Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVCO3 strengths · Avg: 9.3/10
Debt/EquityHealth
0.0310/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
5.4110/10

Safe zone — low bankruptcy risk

EPS GrowthGrowth
21.1%8/10

Earnings expanding 21.1% YoY

DHI4 strengths · Avg: 8.8/10
Altman Z-ScoreHealth
5.1010/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.289/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.5x8/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Areas to Watch

CVCO1 concerns · Avg: 2.0/10
PEG RatioValuation
45.772/10

Expensive relative to growth rate

DHI4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-2.3%2/10

Revenue declined 2.3%

EPS GrowthGrowth
-13.2%2/10

Earnings declined 13.2%

Free Cash FlowQuality
$-449.70M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : CVCO

The strongest argument for CVCO centers on Debt/Equity, Altman Z-Score, EPS Growth.

Bull Case : DHI

The strongest argument for DHI centers on Altman Z-Score, Debt/Equity, P/E Ratio. PEG of 1.28 suggests the stock is reasonably priced for its growth.

Bear Case : CVCO

The primary concerns for CVCO are PEG Ratio.

Bear Case : DHI

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

Key Dynamics to Monitor

DHI carries more volatility with a beta of 1.38 — expect wider price swings.

CVCO is growing revenue faster at 8.2% — sustainability is the question.

CVCO generates stronger free cash flow (59M), providing more financial flexibility.

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

Bottom Line

DHI scores higher overall (55/100 vs 52/100). 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.

Cavco Industries Inc

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

Cavco Industries, Inc. designs, produces and retails manufactured homes primarily in the United States. The company is headquartered in Phoenix, Arizona.

DR Horton Inc

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

D.R. Horton, Inc. is a home construction company incorporated in Delaware and headquartered in Arlington, Texas.

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