Cavco Industries CVCO Business Segments
| Q4 '26 | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | ||
|---|---|---|---|---|---|---|
| Net revenue by Business | ||||||
| Factory-built housing | $528.05M+8.2% | $558.5M+11.5% | $535.12M+10.0% | $535.69M+17.0% | $487.86M+22.4% | |
| Financial services | $22.08M+7.7% | $22.5M+6.2% | $21.41M+1.4% | $21.16M+8.2% | $20.5M-5.2% | |
| Net Income by Business | ||||||
| Factory-built housing | $35.88M+2.4% | $38.15M-25.8% | $48.15M+7.5% | $49.5M+28.8% | $35.06M-8.4% | |
| Financial services | $6.58M+417% | $5.92M+17.7% | $4.23M+527% | $2.14M+153% | $1.27M+5.0% | |
| Other income, net by Business | ||||||
| Financial services | $1K— | $0— | $0— | $0— | $0-100% | |
| Gross Profit by Business | ||||||
| Factory-built housing | $111.74M+2.9% | $121.26M+2.6% | $122.49M+9.8% | $120.84M+16.7% | $108.58M+8.9% | |
| Financial services | $15.32M+103% | $14.67M+24.7% | $11.91M+159% | $8.66M+8,047% | $7.54M+7.8% | |
| Income from operations by Business | ||||||
| Factory-built housing | $43.73M+17.8% | $47.09M-18.5% | $56.74M+13.3% | $57.69M+31.7% | $37.12M-14.0% | |
| Financial services | $7.74M+412% | $7.47M+20.7% | $5.44M+670% | $2.67M+151% | $1.51M-4.4% | |
| Total assets: by Business | ||||||
| Factory-built housing | $1.24B+3.7% | $1.23B+5.9% | $1.21B+3.5% | $1.19B+2.3% | $1.19B+4.4% | |
| Financial services | $256.03M+18.8% | $243.27M+8.1% | $238.55M+4.3% | $232.93M+5.8% | $215.43M+1.2% | |
| Interest Expense, Nonoperating by Business | ||||||
| Factory-built housing | $134K-8.8% | $131K-15.5% | $112K-10.4% | $164K+82.2% | $147K-64.3% | |
| Financial services | $0— | $0— | $0— | $0— | $0— | |
| Gross margin %: by Business | ||||||
| Factory-built housing | 5.5%-0.2pp | 5.5%-0.2pp | 5.5%-0.2pp | 5.5%-0.2pp | 5.7%-0.1pp | |
| Financial services | 14.5%+7.3pp | 14.5%+7.3pp | 14.5%+7.3pp | 14.5%+7.3pp | 7.2%-1.7pp | |
| Pre-Tax Income by Business | ||||||
| Factory-built housing | $46.81M+13.0% | $50.13M-20.6% | $61.81M+10.6% | $62.63M+27.6% | $41.41M+7.0% | |
| Financial services | $7.74M+412% | $7.47M+20.7% | $5.44M+670% | $2.67M+151% | $1.51M-64.3% | |
| Interest Income by Business | ||||||
| Factory-built housing | $3.23M-28.7% | $2.96M-44.8% | $5.05M-11.3% | $5.1M-7.4% | $4.53M-13.6% | |
| Financial services | $1K— | $0— | $0— | $0— | $0— | |
| Income Tax Expense (Benefit) by Business | ||||||
| Factory-built housing | $10.92M+72.0% | $11.98M+2.3% | $13.66M+23.1% | $13.13M+23.2% | $6.35M-36.1% | |
| Financial services | $1.17M+382% | $1.55M+33.7% | $1.21M+3,267% | $527K+143% | $242K-36.6% | |
| Selling, general and administrative expenses by Business | ||||||
| Factory-built housing | $68.01M-4.8% | $74.16M+22.8% | $65.76M+7.0% | $63.15M+5.8% | $71.46M+26.3% | |
| Financial services | $7.57M+25.6% | $7.2M+29.2% | $6.47M+16.5% | $5.99M+16.8% | $6.03M+11.4% | |
| Cost of Sales by Business | ||||||
| Factory-built housing | $416.31M+9.8% | $437.24M+14.3% | $412.62M+10.1% | $414.85M+17.0% | $379.29M+15.1% | |
| Financial services | $6.76M-47.8% | $7.83M-16.9% | $9.5M-42.5% | $12.5M-36.4% | $12.96M+3.2% | |
| Amortization by Business | ||||||
| Factory-built housing | $604K+63.2% | $602K+62.7% | $366K-3.2% | $366K-5.2% | $370K-4.1% | |
| Financial services | $6K0.0% | $7K0.0% | $6K-14.3% | $6K0.0% | $6K-4.0% | |
| CapEx by Business | ||||||
| Factory-built housing | $7.98M+29.3% | $8.45M+55.5% | $9.86M+102% | $9.01M+85.7% | $6.17M+43.7% | |
| Financial services | $65K+6,400% | $42K— | $0-100% | $0-100% | $1K-98.3% | |
| Depreciation by Business | ||||||
| Factory-built housing | $5.73M+26.9% | $5.5M+26.5% | $4.9M+13.6% | $4.74M+10.0% | $4.52M+7.8% | |
| Financial services | $40K-36.5% | $55K-12.7% | $63K0.0% | $62K-4.6% | $63K+24.8% | |
| Net revenue by Product | ||||||
| All other sources | $20.35M+5.8% | $20.52M+2.9% | $19.9M+0.2% | $19.75M+8.9% | $19.24M-6.2% | |
| Home sales | $504.84M+9.7% | $532.5M+12.8% | $509.75M+8.5% | $509.74M+16.8% | $460.27M+20.7% | |
| Insurance agency commissions received from third-party insurance companies | $1.73M+37.3% | $1.98M+58.5% | $1.51M+19.4% | $1.41M+0.3% | $1.26M+13.1% | |
| Concentration risk, percentage by Geography | ||||||
| ARIZONA | 0%— | 1%— | 2%— | 12%— | —— | |
| FLORIDA | 1%-1.7pp | —— | —— | —— | 2.8%+0.2pp |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- How does Cavco Industries break its business down?
- Cavco Industries (CVCO) reports net revenue by business across 2 parts — Factory-built housing and Financial services. Each is extracted from the segment footnotes and tracked over time.
- Where does Cavco Industries's segment data come from?
- Segment breakdowns are pulled from the segment footnotes in Cavco Industries's SEC filings (the XBRL dimensional tags), so every line ties back to a reported figure. Switch between quarterly, annual, and TTM, or open any segment for its full history.