CAVCO INDUSTRIES INC (CVCO) Fundamental Analysis & Valuation
NASDAQ:CVCO • US1495681074
526.63 USD
-9.86 (-1.84%)
At close: Mar 9, 2026
527 USD
+0.37 (+0.07%)
Pre-Market: 3/10/2026, 5:49:00 AM
This CVCO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Overall CVCO gets a fundamental rating of 6 out of 10. We evaluated CVCO against 60 industry peers in the Household Durables industry. CVCO gets an excellent profitability rating and is at the same time showing great financial health properties. While showing a medium growth rate, CVCO is valued expensive at the moment. These ratings could make CVCO a good candidate for quality investing.
1. CVCO Profitability Analysis
1.1 Basic Checks
- CVCO had positive earnings in the past year.
- CVCO had a positive operating cash flow in the past year.
- In the past 5 years CVCO has always been profitable.
- In the past 5 years CVCO always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 12.53%, CVCO belongs to the top of the industry, outperforming 93.33% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 16.93%, CVCO belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 16.03%, CVCO belongs to the top of the industry, outperforming 91.67% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for CVCO is significantly above the industry average of 9.06%.
| 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
- CVCO has a better Profit Margin (8.37%) than 78.33% of its industry peers.
- CVCO's Profit Margin has improved in the last couple of years.
- CVCO has a better Operating Margin (10.38%) than 71.67% of its industry peers.
- In the last couple of years the Operating Margin of CVCO has grown nicely.
- Looking at the Gross Margin, with a value of 23.42%, CVCO is in line with its industry, outperforming 41.67% of the companies in the same industry.
- CVCO's Gross Margin has been stable in the last couple of years.
| 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. CVCO Health Analysis
2.1 Basic Checks
- CVCO has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
- Compared to 1 year ago, CVCO has less shares outstanding
- Compared to 5 years ago, CVCO has less shares outstanding
- Compared to 1 year ago, CVCO has an improved debt to assets ratio.
2.2 Solvency
- CVCO has an Altman-Z score of 10.09. This indicates that CVCO is financially healthy and has little risk of bankruptcy at the moment.
- CVCO's Altman-Z score of 10.09 is amongst the best of the industry. CVCO outperforms 95.00% of its industry peers.
- CVCO has a debt to FCF ratio of 0.04. This is a very positive value and a sign of high solvency as it would only need 0.04 years to pay back of 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 has a better Debt to Equity ratio (0.01) than 78.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.04 | ||
| Altman-Z | 10.09 |
ROIC/WACC1.7
WACC9.44%
2.3 Liquidity
- CVCO has a Current Ratio of 2.49. This indicates that CVCO is financially healthy and has no problem in meeting its short term obligations.
- With a Current ratio value of 2.49, CVCO perfoms like the industry average, outperforming 46.67% of the companies in the same industry.
- 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 71.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.49 | ||
| Quick Ratio | 1.6 |
3. CVCO Growth Analysis
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
- The Revenue has grown by 14.30% in the past year. This is quite good.
- CVCO shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.68% yearly.
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. CVCO Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 21.99, CVCO is valued on the expensive side.
- CVCO's Price/Earnings ratio is a bit more expensive when compared to the industry. CVCO is more expensive than 63.33% of the companies in the same industry.
- When comparing the Price/Earnings ratio of CVCO to the average of the S&P500 Index (26.45), we can say CVCO is valued inline with the index average.
- Based on the Price/Forward Earnings ratio of 20.10, the valuation of CVCO can be described as rather expensive.
- CVCO's Price/Forward Earnings is on the same level as the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 24.65. CVCO is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.99 | ||
| Fwd PE | 20.1 |
4.2 Price Multiples
- CVCO's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. CVCO is more expensive than 68.33% of the companies in the same industry.
- 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 | 19.91 | ||
| EV/EBITDA | 15.32 |
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 excellent profitability rating of CVCO may justify a higher PE ratio.
- CVCO's earnings are expected to grow with 12.16% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.83
PEG (5Y)1.01
EPS Next 2Y9.9%
EPS Next 3Y12.16%
5. CVCO Dividend Analysis
5.1 Amount
- CVCO does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
CVCO Fundamentals: All Metrics, Ratios and Statistics
526.63
-9.86 (-1.84%)
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 Owners103.27%
Inst Owner Change23.12%
Ins Owners1.33%
Ins Owner Change0.2%
Market Cap4.09B
Revenue(TTM)2.20B
Net Income(TTM)184.42M
Analysts82.5
Price Target599.25 (13.79%)
Short Float %4.95%
Short Ratio1.81
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)2.17%
PT rev (3m)0.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-13.53%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.99 | ||
| Fwd PE | 20.1 | ||
| P/S | 1.86 | ||
| P/FCF | 19.91 | ||
| P/OCF | 17.12 | ||
| P/B | 3.75 | ||
| P/tB | 4.79 | ||
| EV/EBITDA | 15.32 |
EPS(TTM)23.95
EY4.55%
EPS(NY)26.2
Fwd EY4.97%
FCF(TTM)26.45
FCFY5.02%
OCF(TTM)30.77
OCFY5.84%
SpS283.86
BVpS140.36
TBVpS109.89
PEG (NY)1.83
PEG (5Y)1.01
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 | 10.09 |
F-Score8
WACC9.44%
ROIC/WACC1.7
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 Year20.64%
EBIT Next 3Y12.7%
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 8 / 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 21.99 and the Price/Book (PB) ratio is 3.75.
How financially healthy is CAVCO INDUSTRIES INC?
The financial health rating of CAVCO INDUSTRIES INC (CVCO) is 8 / 10.