📊 CVCO Key Takeaways
Investment Thesis
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.
CVCO 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
CVCO 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
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
CVCO Financial Metrics
💡 AI Analyst Insight
Strong liquidity with a 2.49x current ratio provides a solid financial cushion.
CVCO Profitability Ratios
CVCO vs Default Sector
How CAVCO INDUSTRIES, INC. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CVCO Balance Sheet & Liquidity
CVCO 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 Growth Metrics (YoY)
CVCO Quarterly 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.
CVCO Capital Allocation
CVCO SEC Filings
Access official SEC EDGAR filings for CAVCO INDUSTRIES, INC. (CIK: 0000278166)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CVCO
What is the AI rating for CVCO?
CAVCO INDUSTRIES, INC. (CVCO) has an AI rating of STRONG BUY with 88% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CVCO's 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.
What are the risks of investing in CVCO?
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.
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?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.