CAVCO INDUSTRIES INC (CVCO) Stock Fundamental Analysis
NASDAQ:CVCO • US1495681074
595.8 USD
+17.05 (+2.95%)
At close: Feb 20, 2026
596.3 USD
+0.5 (+0.08%)
After Hours: 2/20/2026, 8:26:11 PM
We assign a fundamental rating of 6 out of 10 to CVCO. CVCO was compared to 60 industry peers in the Household Durables industry. CVCO scores excellent points on both the profitability and health parts. This is a solid base for a good stock. CVCO is valied quite expensively at the moment, while it does show a decent growth rate. This makes CVCO very considerable for quality investing!
1. Profitability
1.1 Basic Checks
- CVCO had positive earnings in the past year.
- In the past year CVCO had a positive cash flow from operations.
- Each year in the past 5 years CVCO has been profitable.
- In the past 5 years CVCO always reported a positive cash flow from operatings.
1.2 Ratios
- CVCO's Return On Assets of 12.53% is amongst the best of the industry. CVCO outperforms 93.33% of its industry peers.
- CVCO's Return On Equity of 16.93% is fine compared to the rest of the industry. CVCO outperforms 78.33% of its industry peers.
- CVCO's Return On Invested Capital of 16.03% is amongst the best of the industry. CVCO outperforms 91.67% of its industry peers.
- CVCO had an Average Return On Invested Capital over the past 3 years of 17.08%. This is significantly above the industry average of 9.21%.
| 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.
- 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.
- 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 doing worse than 60.00% 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. Health
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.
- CVCO has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for CVCO has been reduced compared to 5 years ago.
- The debt/assets ratio for CVCO has been reduced compared to a year ago.
2.2 Solvency
- CVCO has an Altman-Z score of 10.72. This indicates that CVCO is financially healthy and has little risk of bankruptcy at the moment.
- CVCO has a better Altman-Z score (10.72) than 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 Debt to FCF ratio of 0.04. This is amongst the best in the industry. CVCO outperforms 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 Debt to Equity ratio of 0.01. This is in the better half 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 | 10.72 |
ROIC/WACC1.71
WACC9.38%
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.
- CVCO has a Current ratio (2.49) which is in line with 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 has a better Quick ratio (1.60) than 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.49 | ||
| Quick Ratio | 1.6 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 17.86% over the past year.
- CVCO shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 21.77% yearly.
- 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
- CVCO is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.16% yearly.
- 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
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 24.88, the valuation of CVCO can be described as rather expensive.
- CVCO's Price/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.
- The average S&P500 Price/Earnings ratio is at 26.99. CVCO is around the same levels.
- With a Price/Forward Earnings ratio of 22.74, CVCO is valued on the expensive side.
- CVCO's Price/Forward Earnings is on the same level as the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 28.06. CVCO is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 24.88 | ||
| Fwd PE | 22.74 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CVCO indicates a slightly more expensive valuation: CVCO is more expensive than 68.33% of the companies listed in the same industry.
- CVCO's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.52 | ||
| EV/EBITDA | 16.94 |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
- CVCO has a very decent profitability rating, which 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)2.07
PEG (5Y)1.14
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% |
595.8
+17.05 (+2.95%)
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 Change23.75%
Ins Owners1.3%
Ins Owner Change0.1%
Market Cap4.62B
Revenue(TTM)2.20B
Net Income(TTM)184.42M
Analysts82.5
Price Target586.5 (-1.56%)
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 | 24.88 | ||
| Fwd PE | 22.74 | ||
| P/S | 2.1 | ||
| P/FCF | 22.52 | ||
| P/OCF | 19.36 | ||
| P/B | 4.24 | ||
| P/tB | 5.42 | ||
| EV/EBITDA | 16.94 |
EPS(TTM)23.95
EY4.02%
EPS(NY)26.2
Fwd EY4.4%
FCF(TTM)26.45
FCFY4.44%
OCF(TTM)30.77
OCFY5.16%
SpS283.86
BVpS140.36
TBVpS109.89
PEG (NY)2.07
PEG (5Y)1.14
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 | 10.72 |
F-Score8
WACC9.38%
ROIC/WACC1.71
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 24.88 and the Price/Book (PB) ratio is 4.24.
How financially healthy is CAVCO INDUSTRIES INC?
The financial health rating of CAVCO INDUSTRIES INC (CVCO) is 8 / 10.