CAVCO INDUSTRIES INC (CVCO) Stock Fundamental Analysis
NASDAQ:CVCO • US1495681074
577.26 USD
+0.97 (+0.17%)
At close: Feb 27, 2026
575.13 USD
-2.13 (-0.37%)
After Hours: 2/27/2026, 8:00:02 PM
Overall CVCO gets a fundamental rating of 6 out of 10. We evaluated CVCO against 60 industry peers in the Household Durables industry. Both the health and profitability get an excellent rating, making CVCO a very profitable company, without any liquidiy or solvency issues. CVCO is quite expensive at the moment. It does show a decent growth rate. This makes CVCO very considerable for quality investing!
1. Profitability
1.1 Basic Checks
- In the past year CVCO was profitable.
- In the past year CVCO had a positive cash flow from operations.
- CVCO had positive earnings in each of the past 5 years.
- In the past 5 years CVCO always reported a positive cash flow from operatings.
1.2 Ratios
- CVCO has a better Return On Assets (12.53%) than 93.33% of its industry peers.
- With a decent Return On Equity value of 16.93%, CVCO is doing good in the industry, outperforming 78.33% of the companies in the same industry.
- CVCO has a better Return On Invested Capital (16.03%) than 91.67% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for CVCO is significantly above the industry average of 9.17%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 12.53% | ||
| ROE | 16.93% | ||
| ROIC | 16.03% |
ROA(3y)14.07%
ROA(5y)13.47%
ROE(3y)18.66%
ROE(5y)18.2%
ROIC(3y)17.08%
ROIC(5y)16.01%
1.3 Margins
- Looking at the Profit Margin, with a value of 8.37%, CVCO is in the better half of the industry, outperforming 78.33% of the companies in the same industry.
- In the last couple of years the Profit Margin of CVCO has grown nicely.
- Looking at the Operating Margin, with a value of 10.38%, CVCO is in the better half of the industry, outperforming 71.67% of the companies in the same industry.
- CVCO's Operating Margin has improved in the last couple of years.
- CVCO has a worse Gross Margin (23.42%) than 60.00% of its industry peers.
- In the last couple of years the Gross Margin of CVCO has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.38% | ||
| PM (TTM) | 8.37% | ||
| GM | 23.42% |
OM growth 3Y-7.23%
OM growth 5Y3.74%
PM growth 3Y-11.27%
PM growth 5Y3.71%
GM growth 3Y-2.75%
GM growth 5Y1.25%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so CVCO is creating value.
- CVCO has less shares outstanding than it did 1 year ago.
- CVCO has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, CVCO has an improved debt to assets ratio.
2.2 Solvency
- CVCO has an Altman-Z score of 10.69. This indicates that CVCO is financially healthy and has little risk of bankruptcy at the moment.
- With an excellent Altman-Z score value of 10.69, CVCO belongs to the best of the industry, outperforming 95.00% of the companies in the same industry.
- The Debt to FCF ratio of CVCO is 0.04, which is an excellent value as it means it would take CVCO, only 0.04 years of fcf income to pay off all of its debts.
- CVCO has a better Debt to FCF ratio (0.04) than 86.67% of its industry peers.
- CVCO has a Debt/Equity ratio of 0.01. This is a healthy value indicating a solid balance between debt and equity.
- CVCO's Debt to Equity ratio of 0.01 is fine compared to the rest of the industry. CVCO outperforms 78.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.04 | ||
| Altman-Z | 10.69 |
ROIC/WACC1.74
WACC9.23%
2.3 Liquidity
- A Current Ratio of 2.49 indicates that CVCO has no problem at all paying its short term obligations.
- CVCO's Current ratio of 2.49 is in line compared to the rest of the industry. CVCO outperforms 45.00% of its industry peers.
- CVCO has a Quick Ratio of 1.60. This is a normal value and indicates that CVCO is financially healthy and should not expect problems in meeting its short term obligations.
- CVCO's Quick ratio of 1.60 is fine compared to the rest of the industry. CVCO outperforms 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.49 | ||
| Quick Ratio | 1.6 |
3. Growth
3.1 Past
- CVCO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.86%, which is quite good.
- The Earnings Per Share has been growing by 21.77% on average over the past years. This is a very strong growth
- Looking at the last year, CVCO shows a quite strong growth in Revenue. The Revenue has grown by 14.30% in the last year.
- The Revenue has been growing by 13.68% on average over the past years. This is quite good.
EPS 1Y (TTM)17.86%
EPS 3Y6.18%
EPS 5Y21.77%
EPS Q2Q%-19.13%
Revenue 1Y (TTM)14.3%
Revenue growth 3Y7.39%
Revenue growth 5Y13.68%
Sales Q2Q%11.29%
3.2 Future
- Based on estimates for the next years, CVCO will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.16% on average per year.
- Based on estimates for the next years, CVCO will show a quite strong growth in Revenue. The Revenue will grow by 9.26% on average per year.
EPS Next Y12.04%
EPS Next 2Y9.9%
EPS Next 3Y12.16%
EPS Next 5YN/A
Revenue Next Year12.68%
Revenue Next 2Y10.16%
Revenue Next 3Y9.26%
Revenue Next 5YN/A
3.3 Evolution
- Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 24.10, CVCO is valued on the expensive side.
- Compared to the rest of the industry, the Price/Earnings ratio of CVCO indicates a slightly more expensive valuation: CVCO is more expensive than 60.00% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.10, CVCO is valued at the same level.
- Based on the Price/Forward Earnings ratio of 22.03, the valuation of CVCO can be described as rather expensive.
- CVCO's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CVCO is more expensive than 60.00% of the companies in the same industry.
- CVCO's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.06.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.1 | ||
| Fwd PE | 22.03 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CVCO is valued a bit more expensive than the industry average as 68.33% of the companies are valued more cheaply.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of CVCO is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 21.82 | ||
| EV/EBITDA | 16.86 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CVCO does not grow enough to justify the current Price/Earnings ratio.
- The decent profitability rating of CVCO may justify a higher PE ratio.
- A more expensive valuation may be justified as CVCO's earnings are expected to grow with 12.16% in the coming years.
PEG (NY)2
PEG (5Y)1.11
EPS Next 2Y9.9%
EPS Next 3Y12.16%
5. Dividend
5.1 Amount
- CVCO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
577.26
+0.97 (+0.17%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Durables & Apparel
GICS IndustryHousehold Durables
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)05-20 2026-05-20/amc
Inst Owners103.39%
Inst Owner Change23.09%
Ins Owners1.3%
Ins Owner Change0.13%
Market Cap4.48B
Revenue(TTM)2.20B
Net Income(TTM)184.42M
Analysts82.5
Price Target586.5 (1.6%)
Short Float %4.32%
Short Ratio1.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.58%
Min EPS beat(2)-12.61%
Max EPS beat(2)5.44%
EPS beat(4)3
Avg EPS beat(4)3.76%
Min EPS beat(4)-12.61%
Max EPS beat(4)13.41%
EPS beat(8)5
Avg EPS beat(8)4.43%
EPS beat(12)6
Avg EPS beat(12)1.23%
EPS beat(16)10
Avg EPS beat(16)6.88%
Revenue beat(2)1
Avg Revenue beat(2)-1.75%
Min Revenue beat(2)-4.01%
Max Revenue beat(2)0.5%
Revenue beat(4)2
Avg Revenue beat(4)-0.16%
Min Revenue beat(4)-4.01%
Max Revenue beat(4)3.99%
Revenue beat(8)5
Avg Revenue beat(8)0.82%
Revenue beat(12)6
Avg Revenue beat(12)-0.99%
Revenue beat(16)9
Avg Revenue beat(16)1.55%
PT rev (1m)-1.99%
PT rev (3m)4.86%
EPS NQ rev (1m)-8.92%
EPS NQ rev (3m)-13.53%
EPS NY rev (1m)-4.76%
EPS NY rev (3m)-4.94%
Revenue NQ rev (1m)-2.21%
Revenue NQ rev (3m)-1.29%
Revenue NY rev (1m)-1.07%
Revenue NY rev (3m)-0.09%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.1 | ||
| Fwd PE | 22.03 | ||
| P/S | 2.03 | ||
| P/FCF | 21.82 | ||
| P/OCF | 18.76 | ||
| P/B | 4.11 | ||
| P/tB | 5.25 | ||
| EV/EBITDA | 16.86 |
EPS(TTM)23.95
EY4.15%
EPS(NY)26.2
Fwd EY4.54%
FCF(TTM)26.45
FCFY4.58%
OCF(TTM)30.77
OCFY5.33%
SpS283.86
BVpS140.36
TBVpS109.89
PEG (NY)2
PEG (5Y)1.11
Graham Number275.02
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 12.53% | ||
| ROE | 16.93% | ||
| ROCE | 19.99% | ||
| ROIC | 16.03% | ||
| ROICexc | 20.33% | ||
| ROICexgc | 27.55% | ||
| OM | 10.38% | ||
| PM (TTM) | 8.37% | ||
| GM | 23.42% | ||
| FCFM | 9.32% |
ROA(3y)14.07%
ROA(5y)13.47%
ROE(3y)18.66%
ROE(5y)18.2%
ROIC(3y)17.08%
ROIC(5y)16.01%
ROICexc(3y)24.97%
ROICexc(5y)24.24%
ROICexgc(3y)31.2%
ROICexgc(5y)30.7%
ROCE(3y)21.31%
ROCE(5y)19.98%
ROICexgc growth 3Y-7.77%
ROICexgc growth 5Y2.48%
ROICexc growth 3Y-6.74%
ROICexc growth 5Y3.67%
OM growth 3Y-7.23%
OM growth 5Y3.74%
PM growth 3Y-11.27%
PM growth 5Y3.71%
GM growth 3Y-2.75%
GM growth 5Y1.25%
F-Score8
Asset Turnover1.5
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.04 | ||
| Debt/EBITDA | 0.03 | ||
| Cap/Depr | 154.96% | ||
| Cap/Sales | 1.52% | ||
| Interest Coverage | 1229.17 | ||
| Cash Conversion | 95.41% | ||
| Profit Quality | 111.3% | ||
| Current Ratio | 2.49 | ||
| Quick Ratio | 1.6 | ||
| Altman-Z | 10.69 |
F-Score8
WACC9.23%
ROIC/WACC1.74
Cap/Depr(3y)155.42%
Cap/Depr(5y)208.2%
Cap/Sales(3y)1.36%
Cap/Sales(5y)1.51%
Profit Quality(3y)103.7%
Profit Quality(5y)98.03%
High Growth Momentum
Growth
EPS 1Y (TTM)17.86%
EPS 3Y6.18%
EPS 5Y21.77%
EPS Q2Q%-19.13%
EPS Next Y12.04%
EPS Next 2Y9.9%
EPS Next 3Y12.16%
EPS Next 5YN/A
Revenue 1Y (TTM)14.3%
Revenue growth 3Y7.39%
Revenue growth 5Y13.68%
Sales Q2Q%11.29%
Revenue Next Year12.68%
Revenue Next 2Y10.16%
Revenue Next 3Y9.26%
Revenue Next 5YN/A
EBIT growth 1Y20.81%
EBIT growth 3Y-0.37%
EBIT growth 5Y17.93%
EBIT Next Year25.78%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-4.65%
FCF growth 3Y7.77%
FCF growth 5Y12.44%
OCF growth 1Y3.05%
OCF growth 3Y7.37%
OCF growth 5Y11.91%
CAVCO INDUSTRIES INC / CVCO FAQ
What is the fundamental rating for CVCO stock?
ChartMill assigns a fundamental rating of 6 / 10 to CVCO.
Can you provide the valuation status for CAVCO INDUSTRIES INC?
ChartMill assigns a valuation rating of 2 / 10 to CAVCO INDUSTRIES INC (CVCO). This can be considered as Overvalued.
Can you provide the profitability details for CAVCO INDUSTRIES INC?
CAVCO INDUSTRIES INC (CVCO) has a profitability rating of 7 / 10.
What are the PE and PB ratios of CAVCO INDUSTRIES INC (CVCO) stock?
The Price/Earnings (PE) ratio for CAVCO INDUSTRIES INC (CVCO) is 24.1 and the Price/Book (PB) ratio is 4.11.
How financially healthy is CAVCO INDUSTRIES INC?
The financial health rating of CAVCO INDUSTRIES INC (CVCO) is 8 / 10.