📊 CVCO Key Takeaways
Is Cavco Industries, Inc.. (CVCO) a Good Investment?
Cavco Industries demonstrates exceptional financial health with strong profitability, robust cash generation, and zero debt leverage. The company's 12.3% revenue growth paired with 10.2% FCF margin and 107.4x interest coverage ratio indicates highly efficient operations and capital allocation in the resilient mobile home manufacturing sector.
Cavco Industries shows strong fundamental quality with double-digit revenue growth, solid gross and operating profitability, and robust free cash flow generation. The balance sheet is a major strength, with substantial cash, no meaningful long-term debt, and strong liquidity, which supports resilience through housing-cycle volatility. The main constraint is that net income was flat despite higher sales, suggesting margin expansion may be harder from here unless execution and demand remain favorable.
Why Buy Cavco Industries, Inc.. Stock? CVCO Key Strengths
- Exceptional leverage position with zero long-term debt and 0.00x debt-to-equity ratio
- Strong cash generation with $172.8M free cash flow and 10.2% FCF margin
- Healthy profitability metrics: 23.6% gross margin, 10.5% operating margin, 8.7% net margin
- Solid liquidity with 2.49x current ratio and $224.6M cash reserves
- Quality earnings growth: 12.7% EPS growth with 12.3% revenue growth indicating operational leverage
- Debt-free balance sheet with strong liquidity and over $224M in cash
- Healthy profitability profile with 23.6% gross margin, 10.5% operating margin, and double-digit returns on equity and assets
- High-quality cash generation with $200.12M operating cash flow and $172.76M free cash flow
CVCO Stock Risks: Cavco Industries, Inc.. Investment Risks
- Net income growth flat year-over-year (0.0%) despite 12.3% revenue growth signals margin pressure or non-recurring charges
- Housing market cyclicality exposure; mobile home industry highly sensitive to interest rates and consumer credit conditions
- ROE of 13.6% and ROA of 10.1% are moderate for a debt-free company; capital efficiency could be improved
- Net income was flat year over year despite 12.3% revenue growth, indicating possible margin or cost pressure
- Mobile housing demand is cyclical and sensitive to broader economic and consumer financing conditions
- Moderate net margin of 8.7% leaves earnings somewhat exposed if input costs or pricing worsen
Key Metrics to Watch
- Revenue growth sustainability and gross margin trends in housing cycles
- Operating leverage and conversion of revenue growth to net income growth
- Return on equity improvement and capital deployment strategy with excess cash position
- Operating margin and net margin trends
- Revenue growth relative to free cash flow growth
Cavco Industries, Inc.. (CVCO) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Strong liquidity with a 2.49x current ratio provides a solid financial cushion.
CVCO Profit Margin, ROE & Profitability Analysis
CVCO vs Market Sector: How Cavco Industries, Inc.. Compares
How Cavco Industries, Inc.. compares to Market sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Cavco Industries, Inc.. Stock Overvalued? CVCO Valuation Analysis 2026
Based on fundamental analysis, Cavco Industries, Inc.. has mixed fundamental signals relative to the Market sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Cavco Industries, Inc.. Balance Sheet: CVCO Debt, Cash & Liquidity
CVCO Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Cavco Industries, Inc..'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $26.95 reflects profitable operations.
CVCO Revenue Growth, EPS Growth & YoY Performance
CVCO Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2026 | $522.0M | $34.4M | $5.58 |
| Q2 2026 | $507.5M | $34.4M | $5.28 |
| Q1 2026 | $477.6M | $34.4M | $4.11 |
| Q3 2025 | $446.8M | $36.0M | $4.27 |
| Q2 2025 | $452.0M | $41.5M | $4.76 |
| Q1 2025 | $475.9M | $34.4M | $4.11 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Cavco Industries, Inc.. Dividends, Buybacks & Capital Allocation
CVCO SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Cavco Industries, Inc.. (CIK: 0000278166)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Apr 14, 2026 | 4 | xslF345X06/wk-form4_1776202066.xml | View → |
| Feb 17, 2026 | 4 | xslF345X05/wk-form4_1771365052.xml | View → |
| Feb 5, 2026 | 4 | xslF345X05/wk-form4_1770303041.xml | View → |
| Feb 5, 2026 | 4 | xslF345X05/wk-form4_1770302624.xml | View → |
| Feb 4, 2026 | 4 | xslF345X05/wk-form4_1770243686.xml | View → |
❓ Frequently Asked Questions about CVCO
What is the AI rating for CVCO?
Cavco Industries, Inc.. (CVCO) has a Combined AI Rating of BUY from Claude (STRONG BUY) and ChatGPT (BUY) with 84% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CVCO's key strengths?
Claude: Exceptional leverage position with zero long-term debt and 0.00x debt-to-equity ratio. Strong cash generation with $172.8M free cash flow and 10.2% FCF margin. ChatGPT: Debt-free balance sheet with strong liquidity and over $224M in cash. Healthy profitability profile with 23.6% gross margin, 10.5% operating margin, and double-digit returns on equity and assets.
What are the risks of investing in CVCO?
Claude: Net income growth flat year-over-year (0.0%) despite 12.3% revenue growth signals margin pressure or non-recurring charges. Housing market cyclicality exposure; mobile home industry highly sensitive to interest rates and consumer credit conditions. ChatGPT: Net income was flat year over year despite 12.3% revenue growth, indicating possible margin or cost pressure. Mobile housing demand is cyclical and sensitive to broader economic and consumer financing conditions.
What is CVCO's revenue and growth?
Cavco Industries, Inc.. reported revenue of $1.7B.
Does CVCO pay dividends?
Cavco Industries, Inc.. does not currently pay dividends.
Where can I find CVCO SEC filings?
Official SEC filings for Cavco Industries, Inc.. (CIK: 0000278166) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CVCO's EPS?
Cavco Industries, Inc.. has a diluted EPS of $18.55.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CVCO a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Cavco Industries, Inc.. has a BUY rating with 84% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is CVCO stock overvalued or undervalued?
Valuation metrics for CVCO: ROE of 13.6% (sector avg: 15%), net margin of 8.7% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.
Should I buy CVCO stock in 2026?
Our dual AI analysis gives Cavco Industries, Inc.. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CVCO's free cash flow?
Cavco Industries, Inc..'s operating cash flow is $200.1M, with capital expenditures of $27.4M. FCF margin is 10.2%.
How does CVCO compare to other Market stocks?
Vs Default sector averages: Net margin 8.7% (avg: 12%), ROE 13.6% (avg: 15%), current ratio 2.49 (avg: 1.8).