COMP <GO>
CVCO vs MA // ALTMAN Z-SCORE & DEBT/EQUITY
Cavco Industries Inc. Common Stock When Issued (NASDAQ) VS. Mastercard Incorporated (NYSE) • 15-METRIC TALLY: CVCO 4
— MA 10
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: MA
LAST: $619.00 (+13.11%) • MKT CAP: $4.21B
balance-sheet
10.31
LAST: $638.01 (+0.36%) • MKT CAP: $556.88B
balance-sheet
11.17
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CVCO VS. MA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CVCO | MA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 23.50% | 41.00% | -17.50 | MA | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 17.60% | 33.50% | -15.90 | MA | /roic <GO> |
| EV/EBITDA & P/E Valuation | 16.0x | 29.2x | -13.20 | CVCO | /valuation <GO> |
| Free Cash Flow Yield | 5.52% | 3.08% | +2.44 | CVCO | /fcf-yield <GO> |
| Operating Margin | 10.20% | 57.60% | -47.40 | MA | /operating-margins <GO> |
| Net Profit Margin | 8.50% | 45.60% | -37.10 | MA | /net-margins <GO> |
| Revenue Growth (YoY) | 11.40% | 16.40% | -5.00 | MA | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.49% | -0.49 | MA | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 10.31 | 11.17 | -0.86 | MA | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.70% | 6.60% | +0.10 | MA | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 68.2 | 70.6 | -2.41 | MA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.93 | 0.90 | +0.03 | CVCO | /macro-sensitivity <GO> |
| Forward P/E Multiple | 20.5x | 31.2x | -10.70 | CVCO | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.21B | $556.88B | -$552.67B | MA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CVCO REV | MA REV | CVCO GROSS % | MA GROSS % | CVCO FCF | MA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.24B | $32.79B | 23.5% | 44.0% | $232.1M | $17.16B |
| FY 2024 | $2.02B | $28.17B | 23.1% | 44.0% | $157.1M | $14.31B |
| FY 2023 | $1.79B | $25.10B | 44.0% | 44.0% | $143.9M | $10.85B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CVCO // BETA 0.93
MA // BETA 0.90