NVR, Inc. (NVR) AI Stock Analysis

NVR, Inc. operates in the U.S. residential construction industry through two primary segments: Homebuilding and Mortgage Banking. The company constructs and sells single-family detached homes, townhomes, and condominiums across states such as Maryland, Virginia, Pennsylvania, New York, and Florida. Its homebuilding brands include Ryan Homes, which serves entry-level and first-time move-up buyers, as well as NVHomes and Heartland Homes, which focus on move-up and luxury customers. In addition, NVR provides mortgage-related services, which include brokering title insurance, conducting title searches for loan closings, and selling mortgage loans to secondary market investors on a servicing released basis.

NVR achieved a 5-year revenue CAGR of 6.5% from FY2020 to FY2025. Annual revenue grew from $8.96B in FY2021 to $10.54B in FY2022, before easing to $9.53B in FY2023. In FY2024, revenue climbed 10.6% to $10.54B, with gross margin at 25.5% and net income reaching $1.68B. However, FY2025 revenue declined 2.1% to $10.32B, while operating margin fell to 16.2% and net income dropped to $1.34B, producing EPS of $437.24. For the trailing twelve months ended June 30, 2026, revenue stood at $9.63B. In the latest quarter, revenue declined 10.9% year-over-year, while quarterly earnings dropped 22.6%.

As of June 30, 2026, NVR held $1.20B in cash and short-term investments against $1.05B in total debt, resulting in net cash of $146.6M. Liquidity is supported by a current ratio of 3.38 and a debt-to-equity ratio of 0.31, with shareholders' equity at $3.39B. In FY2025, operating cash flow reached $1.12B and free cash flow was $1.10B after capital expenditures of $24.5M. NVR allocated $1.83B to share buybacks in FY2025, contributing to a 23.5% reduction in share count over 5 years.

NVR trades at a trailing P/E of 15.4x and a forward P/E of 14.8x, both below the median of its S&P 500 Consumer Cyclical peers at 20.1x and 15.7x, respectively. Its enterprise value to EBITDA ratio is 10.8x compared to the peer median of 13.8x, and its price-to-sales multiple is 1.6x versus 2.0x for peers. Over the past year, NVR shares fell 22.2%, lagging the 16.8% return for the S&P 500 (SPY). Over 5 years, NVR gained 19.2% compared to an 83.0% return for SPY.

Wall Street coverage consists of 2 Strong Buy, 3 Hold, and 2 Strong Sell ratings. The mean price target is $6395.33, implying an 8.0% upside from the last close of $5919.82. For the fiscal year ending December 31, 2026, analysts estimate revenue of $9.13B and EPS of $358.78, representing a 17.8% EPS decline. For the next fiscal year, 7 analysts project revenue growth of 4.7% to $9.56B and EPS of $392.74. The company has beaten EPS estimates in 2 of the last 4 quarters, with next earnings scheduled for October 28, 2026.

This page is an AI-written research summary of NVR, Inc. (NVR). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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