Which is better, HOVNP or PAG?

On the Buffett-Fit framework, Hovnanian Enterprises, Inc. PFD DEP1/1000A (HOVNP) currently grades higher than PAG — 61/100 (C grade) vs 41/100 (D). That said, "better" depends on which framework you trust — HOVNP wins on Warren Buffett, Philip Fisher, Joel Greenblatt, Charlie Munger, and Terry Smith; PAG wins on Benjamin Graham and Peter Lynch. The full pillar breakdown is on this page.

Should I buy HOVNP or PAG?

This page is an educational comparison, not investment advice. Both HOVNP and PAG are graded against the same Buffett 5-pillar framework (moat, earnings durability, management quality, financial health, valuation) plus six other documented investor frameworks. Read the side-by-side breakdown to see which one matches the criteria you care about most — and always do your own research before making any investment decision.

Is HOVNP better than PAG for value investing?

On the Buffett-style value-investing framework, HOVNP currently grades higher — 61/100 vs 41/100, a 20-point gap. The gap is driven by which pillars each stock passes; the table on this page shows moat, durability, management, financial health, and valuation side-by-side.

What's the difference between HOVNP and PAG on Warren Buffett's framework?

Both stocks are evaluated on the same five pillars: economic moat (durable competitive advantage), earnings durability (consistent profitability), management quality (capital allocation), financial health (conservative balance sheet), and valuation (margin of safety). HOVNP currently scores 61/100 (C grade); PAG scores 41/100 (D grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, HOVNP or PAG?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. HOVNP and PAG are each scored on ROIC sustainability, gross-margin durability, and qualitative signals like brand strength, switching costs, network effects, and regulatory barriers. The pillar breakdown on this page shows the moat sub-score side-by-side so you can see which one has the more durable competitive advantage.

Which is more undervalued, HOVNP or PAG?

Valuation is one of the five Buffett-Fit pillars on this page. Both stocks are scored on owner-earnings yield, price-to-intrinsic-value vs the underlying compounding rate, and the margin of safety relative to a conservative DCF. The valuation sub-score in the table below tells you which one currently trades at a more attractive price relative to its underlying business quality.

Are HOVNP and PAG both Consumer Cyclical stocks?

Yes — both Hovnanian Enterprises, Inc. PFD DEP1/1000A (HOVNP) and Penske Automotive Group, Inc. (PAG) operate in the Consumer Cyclical sector. That makes this a direct sector-peer comparison, which is the apples-to-apples way to use the Buffett-Fit framework: the score weighs each stock against its sector's specific quality and valuation benchmarks (sector-relative bonus), so the cross-stock comparison isn't distorted by inter-sector base-rate differences.

Is this HOVNP vs PAG comparison investment advice?

No. This page is an educational pattern-match against documented public frameworks (Buffett, Graham, Fisher, Lynch, Greenblatt, Munger, Smith), not personalised investment advice. The scores reflect how closely each stock matches each framework's documented criteria — they are not buy/hold/sell recommendations. Always do your own research and consult a licensed financial adviser for personalised advice.

Stock comparison

Hovnanian Enterprises, Inc. PFD DEP1/1000A

Penske Automotive Group

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

HOVNP

Market cap

$3.08B

Sector

Consumer Discretionary

PAG

Penske Automotive Group

Market cap

$10.97B

Sector

Consumer Discretionary

Overall winner

Hovnanian Enterprises, Inc. PFD DEP1/1000A HOVNP

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Fit scores by strategy

Strategy	HOVNP	PAG	Winner
Warren Buffett	61C	41D	HOVNP
Benjamin Graham	34F	47D	PAG
Philip Fisher	39D	15F	HOVNP
Peter Lynch	12F	18F	PAG
Joel Greenblatt	57C	29F	HOVNP
Charlie Munger	65B	26F	HOVNP
Terry Smith	64C	23F	HOVNP

Side-by-side metrics

Metric	HOVNP	PAG
Market cap	$3.08B	$10.97B
P/E (TTM)	12.4x	11.9x
EV/EBIT	9.2x	15.7x
ROIC (TTM)	3.06%	5.69%
Gross margin	55.59%	16.36%
Net margin	1.92%	2.89%
Revenue CAGR 5y	1.71%	5.63%
EPS CAGR 5y	-45.1%	-1.3%
Debt / Equity	1.2x	1.6x
Dividend yield	0.0%	3.21%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

HOVNP leads on

ROIC (TTM)3.06%vs 5.69%+98%
Gross margin55.59%vs 16.36%+71%
EV/EBIT9.2xvs 15.7x+41%
Debt / Equity1.2xvs 1.6x+28%

PAG leads on

Dividend yield3.21%vs 0.0%+100%
EPS CAGR 5y-1.3%vs -45.1%+97%
Market cap$10.97Bvs $3.08B+72%
Revenue CAGR 5y5.63%vs 1.71%+70%

More like HOVNP

HOVNP vs DECK HOVNP vs ROL HOVNP vs YUM HOVNP vs RACE HOVNP vs ULTA HOVNP vs ATAT

More like PAG

PAG vs DECK PAG vs ROL PAG vs YUM PAG vs RACE PAG vs ULTA PAG vs ATAT

Read the full Buffett-Brain analysis for HOVNP Read the full Buffett-Brain analysis for PAG

Related on invest-like

Strongest Moat Highest ROIC Warren Buffett strategy Economic Moat

Key terms in this analysis

ROIC Free Cash Flow (FCF)Economic Moat P/E Ratio Margin of Safety Quality Score

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.

Strategy

HOVNP

PAG

Warren Buffett

61C

41D

Benjamin Graham

34F

47D

Philip Fisher

39D

15F

Peter Lynch

12F

18F

Joel Greenblatt

57C

29F

Charlie Munger

65B

26F

Terry Smith

64C

23F

Metric

HOVNP

PAG

Market cap

$3.08B

$10.97B

P/E (TTM)

12.4x

11.9x

EV/EBIT

9.2x

15.7x

ROIC (TTM)

3.06%

5.69%

Gross margin

55.59%

16.36%

Net margin

1.92%

2.89%

Revenue CAGR 5y

1.71%

5.63%

EPS CAGR 5y

-45.1%

-1.3%

Debt / Equity

1.2x

1.6x

Dividend yield

0.0%

3.21%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

HOVNP leads on

ROIC (TTM)3.06%vs 5.69%+98%
Gross margin55.59%vs 16.36%+71%
EV/EBIT9.2xvs 15.7x+41%
Debt / Equity1.2xvs 1.6x+28%

PAG leads on

Dividend yield3.21%vs 0.0%+100%
EPS CAGR 5y-1.3%vs -45.1%+97%
Market cap$10.97Bvs $3.08B+72%
Revenue CAGR 5y5.63%vs 1.71%+70%