WallStSmart

Cavco Industries Inc (CVCO)vsToll Brothers Inc (TOL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Toll Brothers Inc generates 368% more annual revenue ($10.76B vs $2.30B). TOL leads profitability with a 11.1% profit margin vs 7.9%. TOL appears more attractively valued with a PEG of 0.95. TOL earns a higher WallStSmart Score of 59/100 (C).

CVCO

Hold

47

out of 100

Grade: D+

Growth: 4.0Profit: 6.5Value: 3.3Quality: 8.5
Piotroski: 5/9Altman Z: 5.45

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

CVCOSignificantly Overvalued (-44.0%)

Margin of Safety

-44.0%

Fair Value

$395.06

Current Price

$529.64

$134.58 premium

UndervaluedFair: $395.06Overvalued
TOLSignificantly Overvalued (-42.6%)

Margin of Safety

-42.6%

Fair Value

$95.64

Current Price

$134.92

$39.28 premium

UndervaluedFair: $95.64Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CVCO2 strengths · Avg: 10.0/10
Debt/EquityHealth
0.0410/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
5.4510/10

Safe zone — low bankruptcy risk

TOL4 strengths · Avg: 9.5/10
P/E RatioValuation
11.0x10/10

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
0.958/10

Growing faster than its price suggests

Areas to Watch

CVCO3 concerns · Avg: 2.3/10
Profit MarginProfitability
7.9%3/10

7.9% margin — thin

PEG RatioValuation
45.772/10

Expensive relative to growth rate

EPS GrowthGrowth
-15.4%2/10

Earnings declined 15.4%

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 : CVCO

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

Bull Case : TOL

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

Bear Case : CVCO

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

Bear Case : TOL

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

Key Dynamics to Monitor

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

TOL carries more volatility with a beta of 1.33 — expect wider price swings.

CVCO is growing revenue faster at 9.5% — sustainability is the question.

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

Bottom Line

TOL scores higher overall (59/100 vs 47/100). 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.

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.

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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