WallStSmart

Cavco Industries Inc (CVCO)vsLennar Corporation (LEN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lennar Corporation generates 1406% more annual revenue ($33.17B vs $2.20B). CVCO leads profitability with a 8.4% profit margin vs 5.4%. LEN appears more attractively valued with a PEG of 3.16. CVCO earns a higher WallStSmart Score of 49/100 (D+).

CVCO

Hold

49

out of 100

Grade: D+

Growth: 4.7Profit: 7.0Value: 4.7Quality: 7.3
Piotroski: 4/9Altman Z: 5.51

LEN

Hold

47

out of 100

Grade: D+

Growth: 4.7Profit: 5.0Value: 4.7Quality: 8.5
Piotroski: 3/9Altman Z: 3.66
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CVCOSignificantly Overvalued (-263.7%)

Margin of Safety

-263.7%

Fair Value

$156.47

Current Price

$485.50

$329.03 premium

UndervaluedFair: $156.47Overvalued
LENSignificantly Overvalued (-156.0%)

Margin of Safety

-156.0%

Fair Value

$47.26

Current Price

$92.19

$44.93 premium

UndervaluedFair: $47.26Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVCO1 strengths · Avg: 10.0/10
Altman Z-ScoreHealth
5.5110/10

Safe zone — low bankruptcy risk

LEN5 strengths · Avg: 9.0/10
Price/BookValuation
1.0x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
3.6610/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.299/10

Conservative balance sheet, low leverage

P/E RatioValuation
13.3x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$1.67B8/10

Generating 1.7B in free cash flow

Areas to Watch

CVCO2 concerns · Avg: 2.0/10
PEG RatioValuation
45.772/10

Expensive relative to growth rate

EPS GrowthGrowth
-19.1%2/10

Earnings declined 19.1%

LEN4 concerns · Avg: 2.8/10
Profit MarginProfitability
5.4%3/10

5.4% margin — thin

Operating MarginProfitability
3.7%3/10

Operating margin of 3.7%

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
3.162/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : CVCO

The strongest argument for CVCO centers on Altman Z-Score. Revenue growth of 11.3% demonstrates continued momentum.

Bull Case : LEN

The strongest argument for LEN centers on Price/Book, Altman Z-Score, Debt/Equity.

Bear Case : CVCO

The primary concerns for CVCO are PEG Ratio, EPS Growth.

Bear Case : LEN

The primary concerns for LEN are Profit Margin, Operating Margin, Piotroski F-Score.

Key Dynamics to Monitor

LEN carries more volatility with a beta of 1.40 — expect wider price swings.

CVCO is growing revenue faster at 11.3% — sustainability is the question.

LEN generates stronger free cash flow (1.7B), providing more financial flexibility.

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

Bottom Line

CVCO scores higher overall (49/100 vs 47/100) and 11.3% revenue growth. Both earn "Hold" 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.

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.

Lennar Corporation

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

Lennar Corporation is a home construction and real estate company based in Fontainebleau, Florida.

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