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Upturn AI Summary - About
NVR Inc(NVR)
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 NVR
09/25/2026: NVR (1-star) is currently NOT-A-BUY. Pass it for now.
NVR Inc. is a prominent U.S. homebuilder that distinguishes itself through an asset-light, capital-efficient business model. By focusing on land purchase options rather than outright ownership, the company minimizes risk and historically maintains robust margins compared to its peers. Its primary growth story revolves around steady market share gains in its core Eastern U.S. markets and effective capital allocation through massive share repurchases. Investors must monitor risks related to interest rate volatility, construction cost inflation, and the cyclical nature of the housing market. The stock may best suit growth or value investors who appreciate a conservative balance sheet and are comfortable with the inherent volatility of the homebuilding sector.
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 | NVR has a long history of compound earnings growth through disciplined operational focus. |
| Momentum investor | Mixed fit | Momentum can be strong in housing bull markets, but is highly sensitive to interest rate cycles. |
| Value investor | Strong fit | Disciplined capital allocation and share repurchases often make it attractive to value-oriented investors. |
| Dividend investor | Weak fit | NVR does not pay a cash dividend. |
| Low-risk investor | Mixed fit | While NVR's balance sheet is conservative, the cyclical nature of the homebuilding industry introduces inherent risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | Housing stocks are highly sensitive to macroeconomic shifts and interest rate news. |
| Valuation risk | Medium | The stock can trade at premiums due to its high-quality asset-light model. |
| Competition risk (National homebuilders) | Medium / high | Intense competition from larger national players like DHI and LEN can pressure margins. |
| Business quality | Strong | NVR's unique land-option model provides a distinct, high-quality competitive moat. |
| Dividend income | Low / none | Investors should not rely on NVR for cash income. |
| Execution risk | Medium | Success relies on the ability to consistently source and secure land options in key markets. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 32.23% | Avg. Invested days 57 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/25/2026 |
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 Large-Cap Stock | Market Capitalization 16.87B USD | Price to earnings Ratio 16.37 | 1Y Target Price 6717.8 |
Price to earnings Ratio 16.37 | 1Y Target Price 6717.8 | ||
Volume (30-day avg) 37.6K shares | Beta 0.91 | 52 Weeks Range 5501.01 - 8200.00 | Updated Date 09/27/2026 |
52 Weeks Range 5501.01 - 8200.00 | Updated Date 09/27/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 384.78 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Homebuilding | Building and selling detached homes and townhomes. | This is the primary revenue engine, highly dependent on housing market demand. |
| Mortgage Banking | Financing services for homebuyers. | Provides a supplementary revenue stream while facilitating home sales. |
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 16.37 | Forward PE 14.79 | Enterprise Value 16.54B | Price to Sales(TTM) 1.74 |
Enterprise Value 16.54B | Price to Sales(TTM) 1.74 | ||
Enterprise Value to Revenue 1.73 | Enterprise Value to EBITDA 10.75 | Shares Outstanding 2.68M | Shares Floating 2.62M |
Shares Outstanding 2.68M | Shares Floating 2.62M | ||
Percent Insiders 5.55 | Percent Institutions 91.2 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
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.
About NVR Inc
Exchange NYSE | Headquarters Reston, VA, United States | ||
IPO Launch date 1987-06-25 | President & CEO Mr. Eugene James Bredow | ||
Sector Consumer Cyclical | Industry Residential Construction | Full time employees 6300 | Website https://www.nvrinc.com |
Full time employees 6300 | Website https://www.nvrinc.com | ||
NVR, Inc. operates as a homebuilder in the United States. The company operates through Homebuilding and Mortgage Banking segments. It engages in the construction and sale of single-family detached homes, townhomes, and condominium buildings under the Ryan Homes, NVHomes, and Heartland Homes names. The company markets its Ryan Homes products to first-time and first-time move-up buyers; and NVHomes and Heartland Homes products to move-up and luxury buyers. It also provides various mortgage related services to its homebuilding customers, as well as brokers title insurance; performs title searches; and sells mortgage loans to investors in the secondary markets on a servicing released basis. The company primarily serves Maryland, Virginia, West Virginia, Delaware, Washington, D.C., New Jersey, Eastern Pennsylvania, New York, Ohio, Western Pennsylvania, Indiana, Illinois, North Carolina, South Carolina, Tennessee, Florida, Georgia, and Kentucky. NVR, Inc. was founded in 1948 and is headquartered in Reston, Virginia.
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