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Upturn AI Summary - About
Cavco Industries Inc(CVCO)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CVCO
11/09/2026: CVCO (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Cavco Industries is a prominent manufacturer of affordable, factory-built housing, operating as a key player in the manufactured and modular home market. The company possesses a leading position strengthened by vertical integration, including proprietary financing services, which creates durable demand and operational efficiency. Its main investment story centers on the secular need for affordable housing solutions and its proven history of consolidating regional players through strategic M&A. Risks include significant cyclicality in the housing market, interest rate sensitivity, and intense competition from larger industry peers. Investors seeking long-term growth in the housing sector may find it suitable, though the lack of a dividend and potential volatility should be carefully considered.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The company has a consistent track record of growing through strategic acquisitions and market expansion. |
| Momentum investor | Mixed fit | Momentum varies based on housing market cycles and interest rate environments. |
| Value investor | Strong fit while signal remains positive | The company is often evaluated as a value play due to its tangible asset base and consistent historical earnings. |
| Dividend investor | Weak fit | Cavco does not pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While the business model is solid, the stock is subject to cyclical industry risks and price volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock price is sensitive to macroeconomic news concerning the housing sector and interest rates. |
| Valuation risk | Medium | Investors must assess whether the premium for growth is justified by future earnings potential. |
| Competition risk (Housing industry) | Medium / high | Intense competition from Clayton Homes and Skyline Champion can pressure margins. |
| Business quality | Strong | Cavco has a well-established reputation and robust operational infrastructure in the manufactured housing sector. |
| Dividend income | Low / none | The company does not provide dividend income to shareholders. |
| Execution risk | Medium | Successfully integrating acquired businesses while maintaining production quality is essential for growth. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -23.07% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.87B USD | Price to earnings Ratio 27.06 | 1Y Target Price 725.6 |
Price to earnings Ratio 27.06 | 1Y Target Price 725.6 | ||
Volume (30-day avg) 113.5K shares | Beta 1.33 | 52 Weeks Range 443.34 - 713.01 | Updated Date 11/08/2026 |
52 Weeks Range 443.34 - 713.01 | Updated Date 11/08/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 23.6 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Manufacturing | Construction of HUD-code, modular, and park model homes. | This is the primary revenue engine, capturing sales from the demand for affordable home options. |
| Financial Services | Home loans, insurance, and warranty products. | This segment provides recurring revenue and supports the sales of the primary housing units. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-29 | When After Market | Estimate 5.42 | Actual 7.17 |
Profitability
Profit Margin 7.69% | Operating Margin (TTM) 9.58% |
Management Effectiveness
Return on Assets (TTM) 9.05% | Return on Equity (TTM) 16.58% |
Valuation
Trailing PE 27.06 | Forward PE 25.84 | Enterprise Value 4.61B | Price to Sales(TTM) 2.03 |
Enterprise Value 4.61B | Price to Sales(TTM) 2.03 | ||
Enterprise Value to Revenue 1.92 | Enterprise Value to EBITDA 17.2 | Shares Outstanding 7.63M | Shares Floating 7.52M |
Shares Outstanding 7.63M | Shares Floating 7.52M | ||
Percent Insiders 1.63 | Percent Institutions 104.66 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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