WallStSmart

M/I Homes Inc (MHO)vsSea Ltd (SE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Sea Ltd generates 491% more annual revenue ($25.19B vs $4.26B). MHO leads profitability with a 7.4% profit margin vs 6.4%. MHO appears more attractively valued with a PEG of 0.95. MHO earns a higher WallStSmart Score of 56/100 (C).

MHO

Buy

56

out of 100

Grade: C

Growth: 2.7Profit: 5.5Value: 6.0Quality: 8.5
Piotroski: 4/9Altman Z: 4.49

SE

Buy

52

out of 100

Grade: C-

Growth: 8.0Profit: 5.5Value: 6.0Quality: 7.5
Piotroski: 6/9Altman Z: 1.53
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MHOSignificantly Overvalued (-82.1%)

Margin of Safety

-82.1%

Fair Value

$79.86

Current Price

$151.99

$72.13 premium

UndervaluedFair: $79.86Overvalued
SEUndervalued (+52.3%)

Margin of Safety

+52.3%

Fair Value

$240.26

Current Price

$113.43

$126.83 discount

UndervaluedFair: $240.26Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MHO4 strengths · Avg: 9.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Altman Z-ScoreHealth
4.4910/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.958/10

Growing faster than its price suggests

P/E RatioValuation
12.3x8/10

Attractively priced relative to earnings

SE3 strengths · Avg: 9.3/10
Revenue GrowthGrowth
46.6%10/10

Revenue surging 46.6% year-over-year

Market CapQuality
$65.38B9/10

Large-cap with strong market position

Debt/EquityHealth
0.289/10

Conservative balance sheet, low leverage

Areas to Watch

MHO3 concerns · Avg: 2.3/10
Profit MarginProfitability
7.4%3/10

7.4% margin — thin

Revenue GrowthGrowth
-8.5%2/10

Revenue declined 8.5%

EPS GrowthGrowth
-31.7%2/10

Earnings declined 31.7%

SE4 concerns · Avg: 3.8/10
PEG RatioValuation
1.534/10

Expensive relative to growth rate

EPS GrowthGrowth
3.1%4/10

3.1% earnings growth

Altman Z-ScoreHealth
1.534/10

Distress zone — elevated risk

Profit MarginProfitability
6.4%3/10

6.4% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : MHO

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

Bull Case : SE

The strongest argument for SE centers on Revenue Growth, Market Cap, Debt/Equity. Revenue growth of 46.6% demonstrates continued momentum.

Bear Case : MHO

The primary concerns for MHO are Profit Margin, Revenue Growth, EPS Growth.

Bear Case : SE

The primary concerns for SE are PEG Ratio, EPS Growth, Altman Z-Score. A P/E of 43.7x leaves little room for execution misses.

Key Dynamics to Monitor

MHO profiles as a value stock while SE is a hypergrowth play — different risk/reward profiles.

MHO carries more volatility with a beta of 1.60 — expect wider price swings.

SE is growing revenue faster at 46.6% — sustainability is the question.

SE generates stronger free cash flow (919M), providing more financial flexibility.

Bottom Line

MHO scores higher overall (56/100 vs 52/100). SE offers better value entry with a 52.3% margin of safety. 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.

M/I Homes Inc

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

M / I Homes, Inc., is a builder of single-family homes in Ohio, Indiana, Illinois, Michigan, Minnesota, North Carolina, Florida and Texas, United States. The company is headquartered in Columbus, Ohio.

Sea Ltd

CONSUMER CYCLICAL · INTERNET RETAIL · USA

Sea Limited is engaged in the digital entertainment, e-commerce and digital financial services businesses in Southeast Asia, Latin America, the rest of Asia and internationally. The company is headquartered in Singapore.

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