WallStSmart

M/I Homes Inc (MHO)vsToll Brothers Inc (TOL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Toll Brothers Inc generates 155% more annual revenue ($11.25B vs $4.42B). TOL leads profitability with a 12.3% profit margin vs 9.1%. MHO appears more attractively valued with a PEG of 0.95. TOL earns a higher WallStSmart Score of 75/100 (B+).

MHO

Buy

59

out of 100

Grade: C

Growth: 2.7Profit: 6.0Value: 7.3Quality: 6.5
Piotroski: 4/9

TOL

Strong Buy

75

out of 100

Grade: B+

Growth: 6.7Profit: 7.0Value: 10.0Quality: 8.5
Piotroski: 3/9Altman Z: 3.60
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

MHOSignificantly Overvalued (-45.1%)

Margin of Safety

-45.1%

Fair Value

$100.23

Current Price

$123.10

$22.87 premium

UndervaluedFair: $100.23Overvalued
TOLUndervalued (+74.4%)

Margin of Safety

+74.4%

Fair Value

$629.93

Current Price

$136.91

$493.02 discount

UndervaluedFair: $629.93Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MHO3 strengths · Avg: 9.3/10
P/E RatioValuation
8.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

PEG RatioValuation
0.958/10

Growing faster than its price suggests

TOL6 strengths · Avg: 8.7/10
P/E RatioValuation
9.8x10/10

Attractively priced relative to earnings

Altman Z-ScoreHealth
3.6010/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.998/10

Growing faster than its price suggests

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
15.4%8/10

15.4% revenue growth

EPS GrowthGrowth
25.1%8/10

Earnings expanding 25.1% YoY

Areas to Watch

MHO3 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-4.8%2/10

Revenue declined 4.8%

EPS GrowthGrowth
-49.4%2/10

Earnings declined 49.4%

Free Cash FlowQuality
$-13.46M2/10

Negative free cash flow — burning cash

TOL2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-11.59M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : MHO

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

Bull Case : TOL

The strongest argument for TOL centers on P/E Ratio, Altman Z-Score, PEG Ratio. Revenue growth of 15.4% demonstrates continued momentum. PEG of 0.99 suggests the stock is reasonably priced for its growth.

Bear Case : MHO

The primary concerns for MHO are Revenue Growth, EPS Growth, Free Cash Flow.

Bear Case : TOL

The primary concerns for TOL are Piotroski F-Score, Free Cash Flow.

Key Dynamics to Monitor

MHO profiles as a value stock while TOL is a growth play — different risk/reward profiles.

MHO carries more volatility with a beta of 1.74 — expect wider price swings.

TOL is growing revenue faster at 15.4% — sustainability is the question.

TOL generates stronger free cash flow (-12M), providing more financial flexibility.

Bottom Line

TOL scores higher overall (75/100 vs 59/100) and 15.4% revenue growth. Both earn "Strong 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.

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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