WallStSmart

NVR Inc (NVR)vsPulteGroup Inc (PHM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PulteGroup Inc generates 66% more annual revenue ($17.31B vs $10.44B). PHM leads profitability with a 12.8% profit margin vs 12.8%. PHM appears more attractively valued with a PEG of 1.02. PHM earns a higher WallStSmart Score of 61/100 (C+).

NVR

Buy

53

out of 100

Grade: C-

Growth: 2.0Profit: 8.5Value: 4.7Quality: 6.0
Piotroski: 3/9

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

NVRSignificantly Overvalued (-172.9%)

Margin of Safety

-172.9%

Fair Value

$2966.84

Current Price

$6369.38

$3402.54 premium

UndervaluedFair: $2966.84Overvalued
PHMSignificantly Overvalued (-84.2%)

Margin of Safety

-84.2%

Fair Value

$75.62

Current Price

$114.55

$38.93 premium

UndervaluedFair: $75.62Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NVR2 strengths · Avg: 9.0/10
Return on EquityProfitability
33.2%10/10

Every $100 of equity generates 33 in profit

P/E RatioValuation
14.6x8/10

Attractively priced relative to earnings

PHM2 strengths · Avg: 9.0/10
P/E RatioValuation
10.3x10/10

Attractively priced relative to earnings

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Areas to Watch

NVR4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
4.972/10

Expensive relative to growth rate

Revenue GrowthGrowth
-5.0%2/10

Revenue declined 5.0%

EPS GrowthGrowth
-13.1%2/10

Earnings declined 13.1%

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 : NVR

The strongest argument for NVR centers on Return on Equity, 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 : NVR

The primary concerns for NVR are Piotroski F-Score, PEG Ratio, Revenue Growth.

Bear Case : PHM

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

Key Dynamics to Monitor

PHM carries more volatility with a beta of 1.30 — expect wider price swings.

NVR is growing revenue faster at -5.0% — sustainability is the question.

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

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

Bottom Line

PHM scores higher overall (61/100 vs 53/100). 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.

NVR Inc

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

NVR, Inc. is a company engaged in home construction. It also operates a mortgage banking and title services business. The company primarily operates on the East Coast of the United States.

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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