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Upturn AI Summary - About
Hovnanian Enterprises Inc(HOV)
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 HOV
11/02/2026: HOV (1-star) is currently NOT-A-BUY. Pass it for now.
Hovnanian Enterprises Inc is a national homebuilder operating across the U.S. with a focus on residential, active adult, and urban infill communities. The company is known for its long-standing presence in the industry and its ability to integrate mortgage and title services into its sales process. While the company has utilized recent joint venture partnerships and a 'land-light' strategy to improve capital efficiency, it faces significant risks from cyclical market downturns, interest rate sensitivity, and high leverage compared to larger peers. It may suit value-oriented investors who are comfortable with the inherent volatility of the housing sector and monitor its long-term debt reduction efforts.
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 | Mixed fit | Growth potential exists, but performance is highly sensitive to cyclical housing market conditions. |
| Momentum investor | Mixed fit | The stock can exhibit high price volatility, making it suitable for those who monitor short-term technical trends during market upturns. |
| Value investor | Strong fit | The stock often trades at low price-to-book and price-to-sales ratios, appealing to those seeking undervalued assets in the sector. |
| Dividend investor | Weak fit | The company does not currently provide a dividend, offering no immediate income yield. |
| Low-risk investor | Weak fit | Exposure to real estate cycles and significant debt loads results in volatility unsuitable for risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | Cyclical industry dynamics often lead to significant price swings in response to interest rate news. |
| Valuation risk | Medium | While often inexpensive relative to sales, earnings can fluctuate wildly based on market health. |
| Competition risk (National Builders) | High | Large-scale competitors like D.R. Horton exert pressure through cost leadership and greater financial resources. |
| Business quality | Medium | Operational success is tied to efficient land use and consistent delivery, which remains a focus of management. |
| Dividend income | Low / none | The absence of a dividend removes it from consideration for income-focused portfolios. |
| Execution risk | Medium / high | Successfully navigating land acquisition and regulatory requirements is essential for long-term growth. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit 24.07% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/02/2026 |
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 Small-Cap Stock | Market Capitalization 592.47M USD | Price to earnings Ratio 95.59 | 1Y Target Price 74 |
Price to earnings Ratio 95.59 | 1Y Target Price 74 | ||
Volume (30-day avg) 124.1K shares | Beta 1.82 | 52 Weeks Range 90.17 - 148.48 | Updated Date 11/01/2026 |
52 Weeks Range 90.17 - 148.48 | Updated Date 11/01/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 1.04 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Homebuilding (Northeast, Southeast, West) | Design, construction, and sale of single-family, townhomes, and active lifestyle homes. | Revenue is primarily driven by the number of homes delivered and their average sales price across various U.S. regions. |
| Financial Services | Mortgage loan origination, sales in the secondary market, and title insurance services. | This segment provides an additional revenue stream and helps facilitate home sales for the main building business. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 95.59 | Forward PE 7.21 | Enterprise Value 1.41B | Price to Sales(TTM) 0.21 |
Enterprise Value 1.41B | Price to Sales(TTM) 0.21 | ||
Enterprise Value to Revenue 0.5 | Enterprise Value to EBITDA 16.86 | Shares Outstanding 5.12M | Shares Floating 4.40M |
Shares Outstanding 5.12M | Shares Floating 4.40M | ||
Percent Insiders 10.17 | Percent Institutions 65.59 |
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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