WallStSmart

NVR Inc (NVR)vsToll Brothers Inc (TOL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Toll Brothers Inc generates 8% more annual revenue ($11.25B vs $10.44B). NVR leads profitability with a 12.8% profit margin vs 12.3%. TOL appears more attractively valued with a PEG of 0.99. TOL earns a higher WallStSmart Score of 75/100 (B+).

NVR

Buy

53

out of 100

Grade: C-

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

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

NVRSignificantly Overvalued (-172.9%)

Margin of Safety

-172.9%

Fair Value

$2966.84

Current Price

$6369.38

$3402.54 premium

UndervaluedFair: $2966.84Overvalued
TOLUndervalued (+74.4%)

Margin of Safety

+74.4%

Fair Value

$629.93

Current Price

$132.00

$497.93 discount

UndervaluedFair: $629.93Overvalued

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

TOL6 strengths · Avg: 9.0/10
P/E RatioValuation
9.8x10/10

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
0.998/10

Growing faster than its price suggests

Revenue GrowthGrowth
15.4%8/10

15.4% revenue growth

EPS GrowthGrowth
25.1%8/10

Earnings expanding 25.1% YoY

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%

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 : NVR

The strongest argument for NVR centers on Return on Equity, P/E Ratio.

Bull Case : TOL

The strongest argument for TOL centers on P/E Ratio, Price/Book, Altman Z-Score. Revenue growth of 15.4% demonstrates continued momentum. PEG of 0.99 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 : TOL

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

Key Dynamics to Monitor

NVR profiles as a declining stock while TOL is a growth play — different risk/reward profiles.

TOL carries more volatility with a beta of 1.45 — expect wider price swings.

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

NVR generates stronger free cash flow (436M), providing more financial flexibility.

Bottom Line

TOL scores higher overall (75/100 vs 53/100) 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.

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.

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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