WallStSmart

Hovnanian Enterprises Inc (HOV)vsPulteGroup Inc (PHM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PulteGroup Inc generates 489% more annual revenue ($17.31B vs $2.94B). PHM leads profitability with a 12.8% profit margin vs 1.9%. PHM appears more attractively valued with a PEG of 1.02. PHM earns a higher WallStSmart Score of 61/100 (C+).

HOV

Hold

47

out of 100

Grade: D+

Growth: 4.7Profit: 4.0Value: 7.3Quality: 5.0

PHM

Buy

61

out of 100

Grade: C+

Growth: 2.7Profit: 7.5Value: 7.3Quality: 6.0
Piotroski: 3/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HOVSignificantly Overvalued (-194.2%)

Margin of Safety

-194.2%

Fair Value

$44.00

Current Price

$110.24

$66.24 premium

UndervaluedFair: $44.00Overvalued
PHMSignificantly Overvalued (-84.2%)

Margin of Safety

-84.2%

Fair Value

$75.62

Current Price

$118.18

$42.56 premium

UndervaluedFair: $75.62Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HOV2 strengths · Avg: 9.0/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

P/E RatioValuation
16.1x8/10

Attractively priced relative to earnings

PHM2 strengths · Avg: 9.0/10
P/E RatioValuation
10.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Areas to Watch

HOV4 concerns · Avg: 3.3/10
PEG RatioValuation
2.004/10

Expensive relative to growth rate

Market CapQuality
$617.87M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.9%3/10

ROE of 6.9% — below average capital efficiency

Profit MarginProfitability
1.9%3/10

1.9% margin — thin

PHM3 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-6.3%2/10

Revenue declined 6.3%

EPS GrowthGrowth
-42.1%2/10

Earnings declined 42.1%

Comparative Analysis Report

WallStSmart Research

Bull Case : HOV

The strongest argument for HOV centers on Price/Book, P/E Ratio.

Bull Case : PHM

The strongest argument for PHM centers on P/E Ratio, Price/Book. PEG of 1.02 suggests the stock is reasonably priced for its growth.

Bear Case : HOV

The primary concerns for HOV are PEG Ratio, Market Cap, Return on Equity. Thin 1.9% margins leave little buffer for downturns.

Bear Case : PHM

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

Key Dynamics to Monitor

HOV profiles as a value stock while PHM is a declining play — different risk/reward profiles.

HOV carries more volatility with a beta of 2.07 — expect wider price swings.

HOV is growing revenue faster at -6.2% — sustainability is the question.

PHM generates stronger free cash flow (740M), providing more financial flexibility.

Bottom Line

PHM scores higher overall (61/100 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.

Hovnanian Enterprises Inc

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

Hovnanian Enterprises, Inc. is dedicated to the design, construction, marketing and sales of residential homes in the United States. The company is headquartered in Matawan, New Jersey.

PulteGroup Inc

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

PulteGroup, Inc. (previously known as Pulte Homes) is a home construction company based in Atlanta, Georgia, United States.

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