NVR vs LEN vs TOL
161 measures in 16 categories, one definition each, computed from filings and market data.
NVR48.1
NVR, Inc.
Consumer Cyclical · Residential Construction
$5,919.82 −0.36%$15.9B mkt cap
Score DNA
LEN39.8
Lennar Corporation
Consumer Cyclical · Residential Construction
$77.08 −0.79%$18.3B mkt cap
Score DNA
TOL54.0
Toll Brothers, Inc.
Consumer Cyclical · Residential Construction
$133.70 −0.18%$12.3B mkt cap
Score DNA
Price, rebased to 100 three years ago
NVR LEN TOL · weekly adjusted closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.
Smart money
8 measures| Measure | NVR | LEN | TOL |
|---|---|---|---|
| Insider open-market buys, 180d | 2 | 45 | 0 |
| Insider $ bought, 180d | $0.48M | $595.29M | — |
| Congress purchases, 180d | 2 | 2 | 0 |
| Last Congress purchase | 2026-09-11 | 2026-08-10 | — |
| 13F net change in holders | +33 | +1 | +25 |
| ETFs adding shares, 30d | 554 | 768 | 357 |
| ETFs trimming, 30d | 550 | 762 | 308 |
| Net ETF funds, 30d | +4 | +6 | +49 |
Valuation
16 measures| Measure | NVR | LEN | TOL |
|---|---|---|---|
| P/E (TTM) | 13.9x
56th
|
14.0x
61st
|
10.3x
17th
|
| PEG (P/E ÷ 3-yr EPS CAGR) | — | — | — |
| Price / sales | 1.7x
89th
|
0.6x
26th
|
1.1x
58th
|
| Price / book | 4.7x
95th
|
0.9x
37th
|
1.4x
63rd
|
| Price / tangible book | 5.8x
100th
|
1.1x
39th
|
1.6x
67th
|
| Price / free cash flow | 15.2x
41st
|
20.2x
71st
|
11.3x
18th
|
| Price / operating cash flow | 14.9x
56th
|
17.6x
67th
|
10.3x
17th
|
| Enterprise value | $15.7B
79th
|
$21.5B
84th
|
$14.2B
74th
|
| EV / sales | 1.7x
89th
|
0.7x
11th
|
1.3x
53rd
|
| EV / EBITDA | 10.3x
44th
|
10.7x
50th
|
8.5x
22nd
|
| EV / EBIT | 10.5x
33rd
|
11.3x
50th
|
8.9x
11th
|
| EV / free cash flow | 15.0x
35th
|
23.7x
71st
|
13.0x
12th
|
| Earnings yield | 7.2%
47th
|
7.2%
42nd
|
9.7%
84th
|
| FCF yield | 6.6%
63rd
|
5.0%
37th
|
8.8%
84th
|
| Operating cash flow yield | 6.7%
47th
|
5.7%
37th
|
9.7%
84th
|
| Graham number (per share) | $3,249.28
100th
|
$106.09
61st
|
$158.70
83rd
|
Profitability (TTM)
12 measures| Measure | NVR | LEN | TOL |
|---|---|---|---|
| Gross margin | 22.2%
47th
|
9.5%
0th
|
24.2%
63rd
|
| EBITDA margin | 16.1%
84th
|
6.3%
37th
|
15.5%
79th
|
| Operating margin | 14.9%
79th
|
5.3%
26th
|
13.8%
68th
|
| EBIT margin | 15.9%
89th
|
5.9%
37th
|
14.8%
84th
|
| Net margin | 12.1%
89th
|
4.1%
32nd
|
11.1%
79th
|
| NOPAT margin | 11.5%
79th
|
4.0%
21st
|
10.4%
68th
|
| FCF margin | 11.1%
95th
|
2.8%
26th
|
10.1%
84th
|
| Operating cash flow margin | 11.3%
89th
|
3.3%
26th
|
11.1%
79th
|
| R&D / revenue | 0.0%
0th
|
0.0%
0th
|
0.0%
0th
|
| SG&A / revenue | 7.3%
16th
|
4.1%
0th
|
9.9%
26th
|
| Stock comp / revenue | 0.7%
89th
|
0.4%
56th
|
0.3%
17th
|
| Effective tax rate | 23.0%
47th
|
25.8%
89th
|
24.7%
79th
|
Returns on capital
11 measures| Measure | NVR | LEN | TOL |
|---|---|---|---|
| ROE (on average equity) | 31.5%
95th
|
5.9%
32nd
|
14.4%
74th
|
| ROA | 20.0%
100th
|
3.8%
32nd
|
8.2%
58th
|
| ROIC | 33.3%
100th
|
5.1%
26th
|
10.8%
58th
|
| ROCE | 33.6%
100th
|
6.0%
37th
|
14.2%
68th
|
| Return on tangible assets | 26.2%
100th
|
5.6%
37th
|
10.9%
63rd
|
| Cash ROIC (OCF / invested capital) | 32.9%
95th
|
4.2%
32nd
|
11.5%
63rd
|
| Gross profitability (GP / assets) | 38.3%
95th
|
9.1%
11th
|
17.8%
47th
|
| ROIC, 3-yr average | 31.0%
100th
|
7.4%
21st
|
10.8%
47th
|
| ROIC, 5-yr average | 38.3%
95th
|
11.5%
21st
|
13.7%
37th
|
| ROE, 5-yr average | 40.5%
100th
|
13.6%
16th
|
18.7%
47th
|
| Incremental ROIC | 20.5%
63rd
|
30.5%
68th
|
31.0%
79th
|
Growth
17 measures| Measure | NVR | LEN | TOL |
|---|---|---|---|
| Revenue growth (TTM YoY) | -10.6%
26th
|
-8.1%
53rd
|
-1.1%
84th
|
| Revenue growth (QoQ) | 23.7%
79th
|
1.3%
0th
|
5.0%
11th
|
| Revenue CAGR, 3 yr | -2.0%
26th
|
-1.5%
32nd
|
0.2%
63rd
|
| Revenue CAGR, 5 yr | 1.7%
37th
|
4.6%
53rd
|
5.3%
68th
|
| Gross profit CAGR, 3 yr | -6.9%
42nd
|
-27.5%
0th
|
-2.3%
68th
|
| Operating income CAGR, 3 yr | -10.1%
61st
|
-31.7%
17th
|
-7.1%
72nd
|
| Net income growth (TTM YoY) | -24.9%
61st
|
-51.1%
28th
|
-12.9%
78th
|
| Net income CAGR, 3 yr | -10.9%
72nd
|
-30.5%
17th
|
-8.6%
78th
|
| EPS growth (TTM YoY) | -18.5%
67th
|
-47.5%
28th
|
-8.3%
78th
|
| EPS CAGR, 3 yr | -5.1%
78th
|
-26.3%
17th
|
-3.8%
83rd
|
| EPS CAGR, 5 yr | 6.5%
61st
|
-16.3%
17th
|
19.1%
78th
|
| FCF growth (TTM YoY) | -13.4%
31st
|
— | 18.7%
54th
|
| FCF CAGR, 3 yr | -15.7%
73rd
|
-44.2%
20th
|
-16.0%
67th
|
| Operating cash flow CAGR, 3 yr | -15.5%
69th
|
-41.9%
25th
|
-14.5%
75th
|
| Book value CAGR, 3 yr | -0.5%
0th
|
-0.0%
5th
|
14.0%
68th
|
| Dividend CAGR, 3 yr | — | 3.5%
33rd
|
5.5%
58th
|
| Sustainable growth rate | 31.5%
100th
|
3.7%
17th
|
13.2%
72nd
|
Margin history & stability
7 measures| Measure | NVR | LEN | TOL |
|---|---|---|---|
| Gross margin, 3-yr average | 24.0%
58th
|
17.5%
11th
|
26.0%
79th
|
| Operating margin, 3-yr average | 17.2%
84th
|
9.9%
47th
|
16.3%
79th
|
| Net margin, 3-yr average | 14.3%
84th
|
7.8%
42nd
|
12.8%
79th
|
| FCF margin, 3-yr average | 12.6%
100th
|
3.8%
32nd
|
8.9%
84th
|
| Revenue stability (0-1) | 0.32
26th
|
0.42
32nd
|
0.71
68th
|
| Earnings stability (0-1) | 0.00
0th
|
0.70
84th
|
0.33
47th
|
| Margin stability (0-1) | 0.93
89th
|
0.68
0th
|
0.90
63rd
|
Liquidity (latest quarter)
7 measures| Measure | NVR | LEN | TOL |
|---|---|---|---|
| Cash & short-term investments | $1.2B
89th
|
$1.2B
79th
|
$1.1B
74th
|
| Net cash (− = net debt) | $146.6M
89th
|
−$3.1B
5th
|
−$1.9B
21st
|
| Working capital | $2.5B
53rd
|
$13.3B
89th
|
$10.2B
79th
|
| Current ratio | 3.38
32nd
|
8.38
74th
|
3.90
42nd
|
| Quick ratio | 1.21
58th
|
1.17
47th
|
0.58
26th
|
| Cash ratio (cash + ST investments / current liabilities) | 1.16
84th
|
0.64
58th
|
0.30
26th
|
| Defensive interval (days) | 659 days
84th
|
568 days
74th
|
394 days
47th
|
Leverage & solvency (latest quarter)
13 measures| Measure | NVR | LEN | TOL |
|---|---|---|---|
| Total debt | $1.1B
42nd
|
$4.3B
89th
|
$2.9B
84th
|
| Debt / equity | 0.31
42nd
|
0.20
26th
|
0.34
53rd
|
| Net debt / equity | −0.04
16th
|
0.15
37th
|
0.22
58th
|
| Debt / assets | 19.2%
42nd
|
12.9%
26th
|
19.8%
53rd
|
| Debt / capital | 23.7%
42nd
|
16.6%
26th
|
25.5%
53rd
|
| Debt / EBITDA | 0.69
17th
|
2.14
56th
|
1.75
39th
|
| Net debt / EBITDA | −0.10
17th
|
1.57
56th
|
1.11
39th
|
| Interest coverage (EBIT / interest) | 2,889.8x
92nd
|
16.6x
33rd
|
— |
| Cash interest coverage | 2,063.0x
92nd
|
9.1x
33rd
|
— |
| Debt payback (years of OCF) | 1.0 yrs
18th
|
4.1 yrs
47th
|
2.4 yrs
35th
|
| Liabilities / assets | 38.0%
53rd
|
35.0%
42nd
|
41.8%
58th
|
| IS credit model rating | AAA | AA | AA |
| Implied credit spread (bps) | 50
0th
|
80
32nd
|
80
32nd
|
Efficiency
11 measures| Measure | NVR | LEN | TOL |
|---|---|---|---|
| Asset turnover | 1.65
100th
|
0.94
58th
|
0.74
16th
|
| Fixed asset turnover | 39.21
53rd
|
— | 25.84
40th
|
| Inventory turnover | 3.3
84th
|
2.2
74th
|
0.7
11th
|
| Receivables turnover | 206.8
94th
|
25.8
35th
|
70.5
71st
|
| Days sales outstanding | 2 days
16th
|
14 days
63rd
|
5 days
37th
|
| Days inventory outstanding | 110 days
16th
|
168 days
21st
|
509 days
89th
|
| Days payables outstanding | 21 days
58th
|
21 days
42nd
|
27 days
68th
|
| Cash conversion cycle (days) | 90 days
16th
|
161 days
26th
|
487 days
79th
|
| Capex / revenue | 0.2%
16th
|
0.4%
26th
|
0.9%
79th
|
| Capex / depreciation | 0.77
32nd
|
1.29
58th
|
1.34
79th
|
| Operating expense ratio | 7.6%
0th
|
10.8%
32nd
|
10.0%
26th
|
Cash flow & earnings quality
7 measures| Measure | NVR | LEN | TOL |
|---|---|---|---|
| Operating cash flow / net income | 0.93
50th
|
0.79
33rd
|
0.99
61st
|
| FCF / net income | 0.92
61st
|
0.69
33rd
|
0.91
56th
|
| FCF / operating cash flow | 98.1%
88th
|
87.1%
29th
|
91.5%
59th
|
| Capex / operating cash flow | 1.9%
12th
|
12.9%
65th
|
8.5%
41st
|
| Accruals ratio | 1.3%
68th
|
0.8%
53rd
|
0.0%
42nd
|
| Sloan accruals ratio | -31.6%
5th
|
-0.2%
53rd
|
4.4%
74th
|
| Earnings quality score (0-1) | 0.75
44th
|
0.50
22nd
|
0.75
44th
|
Scores & forensic checks
15 measures| Measure | NVR | LEN | TOL |
|---|---|---|---|
| IS score | 48
74th
|
40
42nd
|
54
84th
|
| IS profitability | 62
95th
|
20
32nd
|
43
74th
|
| IS growth | 16
47th
|
14
37th
|
29
79th
|
| IS value | 53
21st
|
79
58th
|
82
79th
|
| IS momentum | 39
53rd
|
36
32nd
|
53
84th
|
| IS risk (safety) | 100
53rd
|
90
37th
|
100
53rd
|
| IS quality | 67
74th
|
56
42nd
|
64
68th
|
| IS balance sheet | 95
95th
|
71
37th
|
80
68th
|
| IS earnings quality | 88
79th
|
83
47th
|
91
84th
|
| IS cash flow | 57
58th
|
42
32nd
|
59
68th
|
| Piotroski F-score (0-9) | 3
0th
|
5
58th
|
4
11th
|
| Altman Z-score | 13.1
100th
|
3.6
42nd
|
4.2
53rd
|
| Beneish M-score | −1.13
89th
|
−2.79
16th
|
−2.68
26th
|
| Ohlson O-score | −10.13
21st
|
−9.71
47th
|
−9.81
42nd
|
| IS credit score | 96
79th
|
86
47th
|
89
63rd
|
Size (TTM)
8 measures| Measure | NVR | LEN | TOL |
|---|---|---|---|
| Market cap | $15.9B
79th
|
$18.3B
84th
|
$12.3B
74th
|
| Revenue | $9.4B
74th
|
$32.0B
89th
|
$10.8B
79th
|
| EBITDA | $1.5B
74th
|
$2.0B
84th
|
$1.7B
79th
|
| Net income | $1.1B
74th
|
$1.3B
84th
|
$1.2B
79th
|
| Free cash flow | $1.0B
84th
|
$908.2M
74th
|
$1.1B
89th
|
| Total assets | $5.5B
63rd
|
$33.4B
89th
|
$14.7B
79th
|
| Shareholders' equity | $3.4B
63rd
|
$21.6B
89th
|
$8.5B
79th
|
| Employees | 6,300
63rd
|
12,532
89th
|
4,900
58th
|
Price performance
9 measures| Measure | NVR | LEN | TOL |
|---|---|---|---|
| 1 day | −0.4% | −0.8% | −0.2% |
| 1 week | +0.3% | +0.5% | +0.4% |
| 1 month | −5.2% | −2.7% | −0.3% |
| 3 months | −8.2% | −6.4% | −8.8% |
| 6 months | −15.4% | −15.4% | −8.5% |
| Year to date | −18.7% | −24.4% | −0.7% |
| 1 year | −22.6% | −35.6% | +0.3% |
| 3 years, cumulative | −4.2% | −29.0% | +81.5% |
| 5 years, cumulative | +22.4% | −10.6% | +150.5% |
Technicals
4 measures| Measure | NVR | LEN | TOL |
|---|---|---|---|
| RSI 14 | 43.7 | 46.6 | 45.6 |
| From 52-week high | −27.8% | −41.1% | −20.1% |
| From 52-week low | +7.6% | +7.4% | +9.0% |
| Beta | 0.90 | 1.38 | 1.30 |
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17