InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$5919.82

2026-10-16

Market Cap

$15.9B

Volume

84,870

52-Wk High

$8200.00

52-Wk Low

$5501.01

Trailing PE

14.6

P/S

1.68

Gross Margin

22.2%

Net Margin

12.1%

ROE

31%

ROIC

24%

Piotroski

5/9

Altman Z

12.0

1-Yr Return

-22.2%

5-Yr Return

+65.6%

NVR, Inc. functions as a prominent home construction company within the United States, organized into two primary divisions: homebuilding and mortgage banking. Within its homebuilding segment, the company develops and sells various residential units, including detached houses, townhouses, and condominium complexes, marketed under the brand names Ryan Homes, NVHomes, and Heartland Homes. Ryan Homes typically targets individuals purchasing their first home or those in their initial property upgrade, while NVHomes and Heartland Homes cater to a more affluent clientele of move-up and luxury buyers. Additionally, NVR offers a range of financial services to its homebuilding customers through its mortgage banking arm, which includes brokering title insurance, performing title searches for loan settlements, and transferring mortgage loans to investors in the secondary markets without retaining servicing rights. The company's operational footprint spans numerous states and the District of Columbia, encompassing Maryland, Virginia, West Virginia, Delaware, New Jersey, Eastern Pennsylvania, New York, Ohio, Western Pennsylvania, Indiana, Illinois, North Carolina, South Carolina, Florida, and Tennessee. Established in 1980, NVR, Inc. maintains its corporate headquarters in Reston, Virginia.

SectorConsumer CyclicalIndustryResidential ConstructionExchangeNYSEMarket Cap$15.9BEmployees6,300 (SEC-filed)CEOEugene James BredowIPO1985-07-22CountryUS

Plaza America Tower I, Reston, VA 20190 · Tel 703 956 4000 · nvrinc.com

INSIDERSTREET SCORE48 / 100Street mean $6757.25 (4 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALNET BUYING$0.5M open-market purchases vs $0.0M sales / 6 mo

1 Year vs S&P 500 · NVR -22.2% · S&P 500 +15.9% · spread -38.0pp

7 Years vs S&P 500 · NVR +65.6% · S&P 500 +189.9% · spread -124.3pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

INSIDERSTREET
SCORE48of 100

Score Breakdown

Profitability	62/100
Growth	16/100
Momentum	39/100
Quality	67/100
Earnings Quality	88/100
Balance Sheet	95/100
Value	53/100
Risk (safety)	100/100
Overall	48.1/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
LEN	40
TOL	54
PHM	48
TMHC	51
DHI	52
IBP	37
NVR	48

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 77 in 23 Q1, latest 48 — -29 since. Dropped below the 75 line in 23 Q2, at 71. Fell in 2 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

BUSINESS QUALITY48 / 100IS Score 48.1 / 100 · -29.1 from peak of 77

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTUREBEARISHTechnical Score 30 / 100 · Power -39 · 7 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

Both readings sit below the midpoint — business quality at 48 and price structure at 30 out of 100 — so they are not in conflict. The fundamentals and the tape are saying the same thing, which is the case in which either one alone would have been enough.

Trigger	Where it stands now	What it would mean
IS Score reaches 55 and holds two consecutive quarters	now 48.1	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 58 → 50 → 52 → 48	the direction matters more than the level
Technical vote share back above 50%	now 0%	price structure no longer broken
Institutional holder count rises two quarters running	peak 702 → now 690	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

Site Convergence Score4 of 4top 0% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)2 buys2026-09-11

Insider Buys (180d)2$0.48M

ETF Funds (30d)576 up / 557 downnet +19 funds

Institutions Added (13F)33managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 702 · latest 690 (-12 from peak).

Quarter	Holders	13F shares	Value	Reported own%	Guard
2026 Q2	690	2.4M	$16.3B	88.2%
2026 Q1	657	2.3M	$15.6B	84.6%
2025 Q4	689	2.4M	$17.1B	88.4%
2025 Q3	678	2.5M	$20.1B	89.7%
2025 Q2	656	2.5M	$18.2B	91.0%
2025 Q1	678	2.5M	$18.2B	93.1%
2024 Q4	700	2.6M	$20.4B	93.6%
2024 Q3	702	2.9M	$24.3B	106.4%	ex-outlier 93.1%
2024 Q2	670	2.6M	$19.2B	94.0%
2024 Q1	676	2.6M	$20.8B	95.4%
2023 Q4	647	2.7M	$18.3B	97.0%
2023 Q3	597	2.8M	$16.9B	101.9%	ex-outlier 88.8%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

Why 2024-09 reads 106.40%. Institutions cannot hold more of a company than exists. The reported 2.9M shares exceed the 2.7M outstanding, and a single filer accounts for the excess: INTERNATIONAL ASSETS INVESTMENT MANAGEMENT, LLC reports 363,037 shares against 33 the prior quarter, a 11,001x jump, which alone would be 13.3% of the company. Excluding that filing, ownership is 93.1%. We publish both figures. 13F filings are due 45 days after quarter end and amendments keep arriving after that, so the newest quarter is provisional by construction - this is what an unsettled quarter looks like.

Why 2023-09 reads 101.93%. Institutions cannot hold more of a company than exists. The reported 2.8M shares exceed the 2.7M outstanding, and a single filer accounts for the excess: VANGUARD GROUP INC reports 358,402 shares against 350,886 the prior quarter, a 1x jump, which alone would be 13.1% of the company. Excluding that filing, ownership is 88.8%. We publish both figures. 13F filings are due 45 days after quarter end and amendments keep arriving after that, so the newest quarter is provisional by construction - this is what an unsettled quarter looks like.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Oliver George	director	2026-08-07	BUY	63	$0.41M	63
Martinez Melquiades R.	director	2026-07-30	GIFT	29	—	162
Ross Susan Williamson	director	2026-05-29	EXERCISE	238	$0.40M	624
Ross Susan Williamson	director	2026-05-29	EXERCISE	238	$0.40M	0
Saville Paul C	Executive Chairman	2026-05-14	A-Award	2,619	$14.98M	2,619
Bredow Eugene James	Chief Executive Officer	2026-05-14	A-Award	2,619	$14.98M	2,619
Malzahn Daniel David	Chief Financial Officer	2026-05-14	A-Award	1,335	$7.64M	1,335
Kelpy Matthew B.	VP, Chief Accounting Officer	2026-05-14	A-Award	272	$1.56M	272

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
P — Open-market purchases	2	74	$0.5M	Counted
M — Exercises (paired A/D)	1	238	$0.4M	None — mechanics
G — Gifts	1	29	—	None

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalNet Buying

Open-Market Sells$0.0M0 txns / 6 mo

Open-Market Buys$0.5M2 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Filed	Filer	Shares registered	Est. proceeds
2026-02-13	Ross Susan Williamson	200	$1.6M
2026-02-10	Matthew B. Kelpy	500	$3.9M
2026-02-05	Ross Susan Williamson	200	$1.6M
2026-02-04	Ross Susan Williamson	220	$1.7M
Trailing 12 mo	5 filings	1,320	$11M

Filed	Form	Reporting person	% of class	Shares
2026-05-14	SCHEDULE 13G	Capital Research Global Investors	5.90%	0.2M sh
2026-04-30	SCHEDULE 13G	Vanguard Capital Management	7.38%	0.2M sh
2026-04-24	SCHEDULE 13G/A	BlackRock, Inc.	8.90%	0.2M sh
2026-03-27	SCHEDULE 13G/A	The Vanguard Group	—	exit/reporting change

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Member	Chamber	Trade	Size band	Traded	Disclosed
Ro Khanna	House	BUY	$1,001 - $15,000	2026-09-11	2026-10-09
Ro Khanna	House	BUY	$1,001 - $15,000	2026-09-02	2026-10-09
Maria Elvira Salazar	House	BUY	$1,001 - $15,000	2026-03-19	2026-04-22

House 12-Mo8 trades6 purchases

Senate 12-Mo0 tradesNone purchases

CoverageSTOCK Act filings30-45 day disclosure lag

13F Filers (last complete Q)657

13F Shares2M84.6% of shares out

New / Closed62 / 80positions, QoQ

Increased / Reduced226 / 233positions, QoQ

Put/Call (13F)0.00option positions

Free Float97.9%3M sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Smead Capital Management, Inc.	27,829	$171M
Assenagon Asset Management S.A.	8,516	$52M
Gateway Investment Advisers Llc	2,415	$15M
Beacon Investment Advisory Service	1,860	$11M
Banque Pictet & Cie Sa	1,729	$11M
Wealth Enhancement Advisory Servic	1,470	$8M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.0%	$493M
VTSAX	0.0%	$493M
VSMPX	0.0%	$493M
VTI	0.0%	$493M
VFIAX	0.0%	$409M
VOO	0.0%	$409M

13F Filers Holding NVR — quarterly

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session65.0%2026-10-15

20-Day Avg62.5%50-day 59.6%

TrendRising20d vs 50d

By Market CenterQ: 65% · N: 66% · B: 53%latest session

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Weekly Notional ($B)

Where NVR Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Mlix Instinct X	0.0M	3 sh
Incr Intelligent Cross Llc	0.0M	3 sh
Cgxs Onechronos	0.0M	4 sh
Ubsa Ubs Ats	0.0M	3 sh
Jpmx Jpm-X	0.0M	3 sh
Ebxl Level Ats	0.0M	2 sh

Where a dollar of NVR, Inc. revenue goes. All values FY2025 filings, live.

NVR (live moat model)Peer median: LEN · TOL · PHM · TMHC · DHI

Component scores from the live moat model. Peer median illustrative.

Moat score 52/100 — Weak; primary source Efficient Scale.

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3.8 · Employees (SEC filings)

Officer	Title
Paul C. Saville	Executive Chairman of the Board
Eugene James Bredow	President & Chief Executive Officer
Daniel David Malzahn	Senior Vice President, Chief Financial Officer & Treasurer
Matthew Kelpy	Vice President, Chief Accounting Officer & Controller

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

Quarterly EPS — Actual vs. Consensus

Beats (>2%)3 of 6recent quarters

Avg Surprise-1.4%

Next Report2026-10-22

Income Quality0.93OCF ÷ net income

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

Profit Margins (%)

Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	+18.7%	+17.6%	-9.5%	+10.6%	-2.1%
Gross profit	+36.6%	+30.9%	-13.6%	+8.4%	-12.0%
Operating income	+50.4%	+47.5%	-16.0%	+9.1%	-15.9%
Net income	+37.2%	+39.5%	-7.8%	+5.7%	-20.3%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	9.0	10.5	9.5	10.5	10.3
Cost of revenue	6.8	7.7	7.1	7.9	8.0
Gross profit	2.2	2.9	2.5	2.7	2.4
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	0.6	0.6	0.7	0.7	0.7
Operating income	1.5	2.2	1.8	2.0	1.7
EBITDA	1.7	2.3	2.0	2.2	1.8
D&A	0.0	0.0	0.0	0.0	0.0
Pretax income	1.6	2.3	1.9	2.1	1.8
Income tax	0.4	0.5	0.3	0.4	0.4
Net income	1.2	1.7	1.6	1.7	1.3
Diluted EPS ($)	320.48	491.82	463.31	506.69	436.55
Diluted shares (M)	4	4	3	3	3

Operating CF$1B

CapEx$0B

Free cash flow$1B

SBC$0B

Buybacks$2B

Net cash change$-1B

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Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	2.5	3.2	2.6	2.0
ST investments	0.0	0.0	0.0	0.0
Receivables (net)	0.0	0.0	0.0	0.0
Total current assets	5.2	6.0	5.8	3.7
PP&E (net)	0.1	0.1	0.1	0.2
Goodwill + intangibles	0.0	0.0	0.0	0.0
Total assets	5.7	6.6	6.4	5.9
Accounts payable	0.4	0.5	0.4	0.3
Short-term debt	0.0	0.0	0.0	0.0
Deferred revenue	0.3	0.3	0.3	0.0
Total current liabilities	1.1	1.2	1.2	0.9
Long-term debt	0.9	0.9	0.9	1.1
Total liabilities	2.2	2.2	2.2	2.0
Shareholders' equity	3.5	4.4	4.2	3.9

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	1.7	1.6	1.7	1.3
D&A	0.0	0.0	0.0	0.0
Stock-based compensation	0.1	0.1	0.1	0.1
Working capital change	(0.0)	(0.2)	(0.3)	(0.1)
Operating cash flow	1.9	1.5	1.4	1.1
Capital expenditures	(0.0)	(0.0)	(0.0)	(0.0)
Investing cash flow	(0.0)	(0.0)	(0.0)	(0.1)
Buybacks	(1.5)	(1.1)	(2.1)	(1.8)
Dividends paid	0.0	0.0	0.0	0.0
Debt issuance / (repay)	(0.6)	(0.0)	(0.0)	(0.0)
Financing cash flow	(1.9)	(0.8)	(1.9)	(1.8)
Free cash flow	1.9	1.5	1.3	1.1

Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

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Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	40.5%	53.0%	40.4%	39.2%	33.2%	31%
ROA	21.3%	30.0%	26.0%	25.9%	21.9%	20.9%
ROIC	56.6%	83.4%	67.9%	60.3%	41.0%	24.3%
Gross margin	24.5%	27.3%	26.0%	25.5%	23.0%	22.2%
Operating margin	16.4%	20.6%	19.1%	18.9%	16.2%	14.9%
Net margin	13.8%	16.4%	16.7%	16.0%	13.0%	12.1%
EBITDA margin	18.5%	21.9%	20.7%	20.5%	17.3%	16.1%
FCF margin	13.7%	17.6%	15.4%	12.8%	10.8%	—
VALUATION
P/E	17.94	9.11	14.84	16.14	16.29	14.6
P/B	7.39	4.48	5.41	6.45	5.65	4.8
P/S	2.48	1.49	2.48	2.57	2.15	1.68
P/FCF	18.12	8.49	16.03	20.18	19.90	15.2
EV/EBITDA	12.76	6.15	10.88	11.82	11.61	10.3
EV/Revenue	2.37	1.35	2.25	2.42	2.07	1.7
Earnings yield	5.6%	11.0%	6.7%	6.2%	6.1%	7.04%
FCF yield	5.5%	11.8%	6.2%	5.0%	5.0%	6.60%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	4.35	4.53	4.90	5.07	3.95	3.38
Quick ratio	2.78	2.97	3.31	3.29	2.12	1.21
Debt / equity	0.53	0.29	0.23	0.24	0.31	0.31
Debt / assets	27.3%	17.8%	15.4%	16.0%	20.4%	19.2%
Net debt / EBITDA	-0.59	-0.66	-1.09	-0.74	-0.42	-0.10
Interest coverage	30.91	57.98	70.49	77.14	63.47	—

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Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	1.54	1.83	1.56	1.62	1.66	1.72
Receivables turnover	486.27	535.02	382.60	342.20	311.23	189.9
DSO (days)	1	1	1	1	1	2
DPO (days)	21	19	23	20	16	21
Cash conversion cycle	78	71	75	74	73	92
GROWTH (YoY)
Revenue growth	18.7%	17.6%	-9.5%	10.6%	-3.5%	—
Net income growth	37.2%	39.5%	-7.8%	5.7%	-20.3%	—
EPS growth	44.9%	53.7%	-6.8%	7.4%	-11.7%	—
FCF growth	34.7%	51.2%	-20.4%	-8.7%	-18.5%	—
PER SHARE ($)
EPS (diluted, TTM)	329.35	506.33	471.87	506.76	447.65	416.69
Book value / share	799.57	1029.00	1294.02	1268.48	1291.30	1238.11
Revenue / share	2386.09	3092.22	2826.83	3176.73	3398.48	3441.16
FCF / share	326.10	543.33	436.74	405.32	366.46	382.04
Cash / share	685.34	740.27	937.71	786.68	653.82	437.12
SHAREHOLDER RETURN & SCORES
Buyback yield	6.9%	9.5%	4.6%	7.6%	8.4%	9.12%
Altman Z-Score	10.43	11.35	12.46	14.45	13.81	12.0
Piotroski F-Score	8	9	5	6	4	5/9
Beneish M-Score	-2.54	-2.45	-1.90	-2.17	-0.74	-1.13

Model	Score	Zone	Note
Piotroski F-Score	5 / 9	Middling
Altman Z-Score	12.0	Safe (>2.99)	Safe
Income quality	0.93	Accrual-heavy	OCF ÷ net income
Beneish M-Score	-1.13	Elevated	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.77
Interest burden	0.99
Operating margin	15.9%
Asset turnover	1.65×
Financial leverage	1.58×
= ROE	32%

Growth Quality (live)	Value
Revenue stability	0.32
Earnings stability	0.00
Earnings persistence	0.90
Revenue CAGR 3y	-2.0%
EPS CAGR 3y	-5.1%
FCF CAGR 3y	-15.7%

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Buyback Yield9.12%

Dividend Yield0.00%

Total Shareholder Return8.57%cash yield

SBC / Revenue0.7%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
LEN	$18.3B	14.6	6%	3.5%	-8.1%	5/9	-35.9%
TOL	$12.3B	10.7	14%	10.5%	-1.1%	4/9	+0.3%
PHM	$21.6B	11.6	15%	11.9%	-7.3%	3/9	-7.5%
TMHC	$6.7B	10.6	11%	7.2%	-9.0%	4/9	+17.4%
DHI	$39.0B	13.2	13%	9.8%	-3.5%	5/9	—
IBP	$4.9B	19.9	38%	8.3%	+0.3%	4/9	—
MDC	$4.7B	54.8	3%	2.2%	+5346.9%	4/9	—
SKY	$4.2B	22.6	12%	6.9%	+4.5%	7/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Buy

25 Analysts

Str Sell (0)Sell (4)Hold (10)Buy (11)Str Buy (0)

Mean Target (qtr)$6757.254 targets

Target vs. Price+14.1%last-quarter mean

Next Report2026-10-22street $102.77

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$9.40B	$9.43B / $9.36B	$358.78	$363.12 / $349.99	5
FY2027	$9.84B	$10.01B / $9.52B	$392.74	$418.25 / $358.06	5
FY2028	$10.11B	$10.13B / $10.09B	$446.44	$479.78 / $413.10	2

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$6091.50	+2.9%	2
Last Quarter	$6757.25	+14.1%	4
Last Year	$7588.23	+28.2%	13
All Time	$7396.21	+24.9%	14

Rolling mean of published targets vs. last close $5919.82. Aggregated from StreetInsider.

Third-Party Composite Rating

A-

DCF

3/5

ROE

5/5

ROA

5/5

Debt/Eq

3/5

P/E

3/5

P/B

1/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

NVR -22.2% vs S&P 500 +15.9% — spread -38.0pp

Sector — XLY -3.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$6053.54	-133.72	-2.21%	Below
SMA 50	$6200.52	-280.70	-4.53%	Below
SMA 200	$6614.38	-694.56	-10.50%	Below
EMA 9	$5908.34	+11.48	+0.19%	Above
EMA 21	$6013.52	-93.70	-1.56%	Below
EMA 50	$6150.61	-230.79	-3.75%	Below
EMA 200	$6566.59	-646.77	-9.85%	Below

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTBEARISHPower Score -397 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%22

Momentum 25%20

Volume 20%56

Volatility 10%0

Patterns 15%50

This Week0% bullishof 11 price-based votes

4 Weeks Ago0%+0 pts since

12 Weeks Ago0%+0 pts since

ReadStabilizingweek-over-week trajectory

Price vs SMA 20$6053.54

Price vs SMA 50$6200.52

Price vs SMA 200$6614.38

EMA 9/21 Cross5908.3/6013.5

SMA 50/200Death

ADX DirectionADX 15

Supertrend$6136

Parabolic SAR$5617

SMA Slope-11.550

RSI43.7

Stochastic K/D34/22

StochRSI K/D49/28

Williams %R-55

CCI-36

TSI vs Signal-20.1

CMO-12.5

ROC-1.24%

OBV SignalDistrib

Chaikin MF0.060

MFI27

Force Index0M

Elder Ray Bull95.88

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 22

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$5926.95 / $6058.88 / $6176.94	S1 / S2	$5808.89 / $5676.96
Bollinger (20,2)	$5688.88 – $6418.20	Squeeze	Off
52-wk range	$5501.01 – $8200.00	Off 52-wk high	-27.8%
ATR (14)	$167.94 (2.8%)	Historical vol	25.1%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

+5.3%Jan75%

-2.9%Feb25%

+1.2%Mar62%

+3.8%Apr45%

-1.4%May60%

-1.0%Jun50%

+2.0%Jul50%

+1.7%Aug60%

-1.4%Sep35%

-0.4%Oct45%

+3.4%Nov75%

+3.1%Dec75%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	NVR	S&P 500
Weekly volatility (σ, 1y)	3.58%	1.83%
Best / worst week (1y)	+8.5% / -9.0%	—
Max drawdown (5y, monthly)	-42.4%	—
1-week VaR (95%)	-7.1%	—
Beta (5y)	0.91	1.00

NVR EQUITY WEATHER (LIVE)RAINY · -38

Trend-45

Momentum-18

Volume-39

Volatility-60

Breadth-31

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 111 stories, weekly buckets, −1 to +1.

This space intentionally left blank — the next section begins on the following page

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall-37.9-14.9 vs industry

Trend-45.1-8.2 vs industry

Momentum-18.2+0.1 vs industry

Volume-38.8-42.9 vs industry

Reading	NVR	Residential Construction n=146	Consumer Cyclical n=5,686	All US symbols n=70,435
Overall	-37.9	-23.0	-20.5	-20.5
Trend	-45.1	-36.8	-25.1	-21.3
Momentum	-18.2	-18.2	-15.0	-15.8
Volume	-38.8	+4.1	-10.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Paul C. Saville Executive Chairman of the Bo	$3.0M	17% equity+incentive
Eugene J. Bredow President and Chief Executi	$1.7M	16% equity+incentive
Daniel D. Malzahn Senior Vice President, Chi	$0.9M	16% equity+incentive
Matthew B. Kelpy Vice President and Chief Ac	$0.5M	16% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	42
Social	54
Governance	62
Composite ESG	53

Composite ESG Trend

Filed	8-K contents	Items
2026-07-23	Earnings Release; Exhibits	2.02,9.01
2026-05-15	Officer/Director Change; Exhibits	5.02,9.01
2026-05-08	Shareholder Vote; Exhibits	5.07,9.01
2026-04-22	Earnings Release; Exhibits	2.02,9.01
2026-01-28	Results of Operations and Financial Condition; Financial Statements an	2.02,9.01
2025-10-22	Results of Operations and Financial Condition; Financial Statements an	2.02,9.01
2025-10-01	Departure/Election of Directors; Appointment of Officers; Financial St	5.02,9.01
2025-07-23	Results of Operations and Financial Condition; Financial Statements an	2.02,9.01

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2020-10-20 to 2026-07-23
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	114 rows · 1998 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-05-14 to 2026-08-07
Proposed sales (Form 144)	edgar/form144	1 record
Beneficial ownership (13D/G)	edgar/13dg	4 rows · 2026-03-27 to 2026-05-14
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

NVR, Inc. (NVR)

NVR, Inc. (NVR)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

NVR, Inc. (NVR)

Institutions holding — 12 quarters

NVR, Inc. (NVR)

Monthly Net Insider Flow (000 shares)

Signal Summary

NVR, Inc. (NVR)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding NVR — quarterly

NVR, Inc. (NVR)

Where NVR Trades in the Dark

NVR, Inc. (NVR)

3.8 · Employees (SEC filings)

NVR, Inc. (NVR)

NVR, Inc. (NVR)

NVR, Inc. (NVR)

Balance Sheet — Full

Cash Flow Statement — Full

NVR, Inc. (NVR)

NVR, Inc. (NVR)

NVR, Inc. (NVR)

NVR, Inc. (NVR)

Street Price Target — Trajectory

Third-Party Composite Rating

NVR, Inc. (NVR)

NVR, Inc. (NVR)

Family Scores (site weights)

NVR, Inc. (NVR)

NVR, Inc. (NVR)

NVR, Inc. (NVR)