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Champion Homes, Inc. (SKY) Stock Fundamental Analysis & AI Rating 2026

SKY NYSE Mobile Homes IN CIK: 0000090896
Recently Updated • Analysis: Apr 16, 2026 • SEC Data: 2025-12-27
BUY
72% Conf
Pending
Analysis scheduled

📊 SKY Key Takeaways

Revenue: $2.0B
Net Margin: 8.7%
Free Cash Flow: $226.3M
Current Ratio: 2.71x
Debt/Equity: 0.01x
EPS: $3.12
AI Rating: BUY with 72% confidence
Champion Homes, Inc. (SKY) receives a BUY rating with 72% confidence from our AI fundamental analysis based on SEC 10-K filings. With revenue of $2.0B, net profit margin of 8.7%, and return on equity (ROE) of 11.1%, Champion Homes, Inc. demonstrates strong fundamentals in the Market sector. Below is our complete SKY stock analysis for 2026.

Is Champion Homes, Inc. (SKY) a Good Investment?

Claude

Champion Homes demonstrates exceptional financial health with a virtually debt-free balance sheet, strong profitability margins (26.9% gross, 10.6% operating), and robust free cash flow generation of $226.3M. Despite a modest 1.6% net income decline, the company's fortress balance sheet, strong liquidity (2.71x current ratio), and substantial cash position ($659.8M) provide significant downside protection and operational flexibility.

Why Buy Champion Homes, Inc. Stock? SKY Key Strengths

Claude
  • + Exceptional balance sheet strength with debt-to-equity of 0.01x and minimal financial risk
  • + Strong free cash flow generation of $226.3M with 11.1% FCF margin indicating quality earnings
  • + Robust liquidity position with $659.8M cash (31% of assets) and 2.71x current ratio
  • + Healthy profitability margins across all levels despite industry cyclicality
  • + Conservative capital allocation with low capex intensity enabling capital returns

SKY Stock Risks: Champion Homes, Inc. Investment Risks

Claude
  • ! Net income declined 1.6% year-over-year, signaling potential industry headwinds or market challenges
  • ! No revenue growth data available; inability to assess top-line momentum is a significant data gap
  • ! Mobile home sector exposed to economic cycles, interest rate sensitivity, and housing market volatility
  • ! Modest return metrics (ROE 11.1%, ROA 8.4%) suggest limited growth acceleration prospects
  • ! Insider activity (19 Form 4 filings) warrants monitoring for potential strategic shifts or concerns

Key Metrics to Watch

Claude
  • * Revenue trends and year-over-year growth rate to assess market demand sustainability
  • * Net income trajectory to confirm whether 1.6% decline is a one-time event or structural issue
  • * Free cash flow conversion and any changes in working capital management
  • * Gross margin stability as input costs and housing demand fluctuate

Champion Homes, Inc. (SKY) Financial Metrics & Key Ratios

Revenue
$2.0B
Net Income
$177.2M
EPS (Diluted)
$3.12
Free Cash Flow
$226.3M
Total Assets
$2.1B
Cash Position
$659.8M

💡 AI Analyst Insight

Strong liquidity with a 2.71x current ratio provides a solid financial cushion.

SKY Profit Margin, ROE & Profitability Analysis

Gross Margin 26.9%
Operating Margin 10.6%
Net Margin 8.7%
ROE 11.1%
ROA 8.4%
FCF Margin 11.1%

SKY vs Market Sector: How Champion Homes, Inc. Compares

How Champion Homes, Inc. compares to Market sector averages

Net Margin
SKY 8.7%
vs
Sector Avg 12.0%
SKY Sector
ROE
SKY 11.1%
vs
Sector Avg 15.0%
SKY Sector
Current Ratio
SKY 2.7x
vs
Sector Avg 1.8x
SKY Sector
Debt/Equity
SKY 0.0x
vs
Sector Avg 0.7x
SKY Sector

Sector benchmarks are approximate industry averages. Actual sector performance may vary.

Is Champion Homes, Inc. Stock Overvalued? SKY Valuation Analysis 2026

Based on fundamental analysis, Champion Homes, Inc. has mixed fundamental signals relative to the Market sector in 2026.

Return on Equity
11.1%
Sector avg: 15%
Net Profit Margin
8.7%
Sector avg: 12%
Revenue Growth
N/A
Year-over-year
Debt/Equity
0.01x
Sector avg: 0.7x

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.

Champion Homes, Inc. Balance Sheet: SKY Debt, Cash & Liquidity

Current Ratio
2.71x
Quick Ratio
1.89x
Debt/Equity
0.01x
Debt/Assets
0.6%
Interest Coverage
25.48x
Long-term Debt
$23.8M

SKY Revenue & Earnings Growth: 5-Year Financial Trend

SKY 5-year financial data: Year 2021: Revenue $1.4B, Net Income -$58.2M, EPS $-1.09. Year 2022: Revenue $2.2B, Net Income $58.2M, EPS $1.02. Year 2023: Revenue $2.6B, Net Income $84.9M, EPS $1.49. Year 2024: Revenue $2.6B, Net Income $248.0M, EPS $4.33. Year 2025: Revenue $2.6B, Net Income $401.8M, EPS $7.00.
Revenue
Net Income
EPS (right axis)

5-Year Trend Summary: Champion Homes, Inc.'s revenue has grown significantly by 83% over the 5-year period, indicating strong business expansion. The most recent EPS of $7.00 reflects profitable operations.

SKY Revenue Growth, EPS Growth & YoY Performance

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
11.1%
Free cash flow / Revenue

SKY Quarterly Earnings & Performance

Quarterly financial performance data for Champion Homes, Inc. including revenue, net income, and earnings per share.
Quarter Revenue Net Income EPS
Q3 2026 $644.9M $54.3M $0.97
Q2 2026 $616.9M $54.7M $0.94
Q1 2026 $627.8M $45.8M $0.79
Q3 2025 $559.5M $47.0M $0.81
Q2 2025 $464.2M $45.7M $0.79
Q1 2025 $464.8M $45.8M $0.79
Q3 2023 $534.7M $47.0M $0.81
Q2 2023 $464.2M $45.7M $0.79

Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.

Champion Homes, Inc. Dividends, Buybacks & Capital Allocation

Operating Cash Flow
$251.2M
Cash generated from operations
Stock Buybacks
$150.0M
Shares repurchased (TTM)
Capital Expenditures
$24.9M
Investment in assets
Dividends Paid
$1.5M
Returned to shareholders

SKY SEC Filings: Latest 10-K & 10-Q Analysis

Access official SEC EDGAR filings for Champion Homes, Inc. (CIK: 0000090896)

📋 Recent SEC Filings

Date Form Document Action
Mar 31, 2026 4 xslF345X06/ownership.xml View →
Mar 31, 2026 4 xslF345X06/ownership.xml View →
Mar 31, 2026 4 xslF345X06/ownership.xml View →
Mar 31, 2026 4 xslF345X06/ownership.xml View →
Mar 31, 2026 4 xslF345X06/ownership.xml View →

Frequently Asked Questions about SKY

What is the AI rating for SKY?

Champion Homes, Inc. (SKY) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.

What are SKY's key strengths?

Claude: Exceptional balance sheet strength with debt-to-equity of 0.01x and minimal financial risk. Strong free cash flow generation of $226.3M with 11.1% FCF margin indicating quality earnings.

What are the risks of investing in SKY?

Claude: Net income declined 1.6% year-over-year, signaling potential industry headwinds or market challenges. No revenue growth data available; inability to assess top-line momentum is a significant data gap.

What is SKY's revenue and growth?

Champion Homes, Inc. reported revenue of $2.0B.

Does SKY pay dividends?

Champion Homes, Inc. pays dividends, with $1.5M distributed to shareholders in the trailing twelve months.

Where can I find SKY SEC filings?

Official SEC filings for Champion Homes, Inc. (CIK: 0000090896) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.

What is SKY's EPS?

Champion Homes, Inc. has a diluted EPS of $3.12.

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 SKY a good stock to buy right now?

Based on our AI fundamental analysis in April 2026, Champion Homes, Inc. has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.

Is SKY stock overvalued or undervalued?

Valuation metrics for SKY: ROE of 11.1% (sector avg: 15%), net margin of 8.7% (sector avg: 12%). Compare these metrics with sector averages to assess valuation.

Should I buy SKY stock in 2026?

Our dual AI analysis gives Champion Homes, 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 SKY's free cash flow?

Champion Homes, Inc.'s operating cash flow is $251.2M, with capital expenditures of $24.9M. FCF margin is 11.1%.

How does SKY compare to other Market stocks?

Vs Default sector averages: Net margin 8.7% (avg: 12%), ROE 11.1% (avg: 15%), current ratio 2.71 (avg: 1.8).

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Disclaimer: This analysis is generated by Claude AI (Anthropic) and ChatGPT (OpenAI) based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: Apr 16, 2026 | Data as of: 2025-12-27 | Powered by Claude AI