WallStSmart

NVR Inc (NVR)vsToll Brothers Inc (TOL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Toll Brothers Inc generates 11% more annual revenue ($11.05B vs $9.92B). NVR leads profitability with a 12.5% profit margin vs 11.7%. TOL appears more attractively valued with a PEG of 1.09. TOL earns a higher WallStSmart Score of 61/100 (C+).

NVR

Buy

51

out of 100

Grade: C-

Growth: 2.0Profit: 8.0Value: 5.0Quality: 7.3
Piotroski: 4/9

TOL

Buy

61

out of 100

Grade: C+

Growth: 2.7Profit: 7.0Value: 6.0Quality: 8.0
Piotroski: 3/9Altman Z: 3.60
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for NVR.

TOLSignificantly Overvalued (-62.6%)

Margin of Safety

-62.6%

Fair Value

$95.76

Current Price

$137.42

$41.66 premium

UndervaluedFair: $95.76Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NVR2 strengths · Avg: 9.0/10
Return on EquityProfitability
35.5%10/10

Every $100 of equity generates 35 in profit

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

TOL3 strengths · Avg: 9.3/10
P/E RatioValuation
11.2x10/10

Attractively priced relative to earnings

Altman Z-ScoreHealth
3.6010/10

Safe zone — low bankruptcy risk

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Areas to Watch

NVR3 concerns · Avg: 2.0/10
PEG RatioValuation
4.972/10

Expensive relative to growth rate

Revenue GrowthGrowth
-21.4%2/10

Revenue declined 21.4%

EPS GrowthGrowth
-28.5%2/10

Earnings declined 28.5%

TOL3 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-7.6%2/10

Revenue declined 7.6%

EPS GrowthGrowth
-22.3%2/10

Earnings declined 22.3%

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, Altman Z-Score, Price/Book. PEG of 1.09 suggests the stock is reasonably priced for its growth.

Bear Case : NVR

The primary concerns for NVR are PEG Ratio, Revenue Growth, EPS Growth.

Bear Case : TOL

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

Key Dynamics to Monitor

TOL carries more volatility with a beta of 1.37 — expect wider price swings.

TOL is growing revenue faster at -7.6% — sustainability is the question.

NVR generates stronger free cash flow (335M), providing more financial flexibility.

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

Bottom Line

TOL scores higher overall (61/100 vs 51/100). 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.

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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