WallStSmart

NVR Inc (NVR)vsUnited Homes Group Inc. (UHG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

NVR Inc generates 2467% more annual revenue ($10.44B vs $406.69M). NVR leads profitability with a 12.8% profit margin vs -4.0%. NVR earns a higher WallStSmart Score of 53/100 (C-).

NVR

Buy

53

out of 100

Grade: C-

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

UHG

Hold

40

out of 100

Grade: D

Growth: 2.7Profit: 2.5Value: 5.0Quality: 6.0
Piotroski: 4/9Altman Z: 2.46
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NVRSignificantly Overvalued (-172.6%)

Margin of Safety

-172.6%

Fair Value

$2970.24

Current Price

$6552.20

$3581.96 premium

UndervaluedFair: $2970.24Overvalued

Intrinsic value data unavailable for UHG.

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
14.9x8/10

Attractively priced relative to earnings

UHG1 strengths · Avg: 10.0/10
Price/BookValuation
1.2x10/10

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%

UHG4 concerns · Avg: 3.0/10
EPS GrowthGrowth
2.8%4/10

2.8% earnings growth

Market CapQuality
$68.83M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
1.2%3/10

Operating margin of 1.2%

Return on EquityProfitability
-26.2%2/10

ROE of -26.2% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : NVR

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

Bull Case : UHG

The strongest argument for UHG centers on Price/Book.

Bear Case : NVR

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

Bear Case : UHG

The primary concerns for UHG are EPS Growth, Market Cap, Operating Margin. Debt-to-equity of 2.82 is elevated, increasing financial risk.

Key Dynamics to Monitor

NVR profiles as a declining stock while UHG is a turnaround play — different risk/reward profiles.

UHG carries more volatility with a beta of 1.19 — expect wider price swings.

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

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

Bottom Line

NVR scores higher overall (53/100 vs 40/100). Both earn "Buy" and "Hold" 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.

United Homes Group Inc.

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

United Homes Group, Inc. is a homebuilder in the Southeast that provides affordable homes for the entry-level and first move-up byer segments. The company is headquartered in Irmo, South Carolina.

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