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NVR, Inc. Announces a 28% Increase in Earnings Per Share for the Third Quarter of 2005

RESTON, Va., Oct. 18 /PRNewswire-FirstCall/ -- NVR, Inc. (Amex: NVR), one of the nation's largest homebuilding and mortgage banking companies, today announced that diluted earnings per share for its third quarter ended September 30, 2005 exceeded the 2004 third quarter by 28%. Net income for the 2005 third quarter was $189,443,000, $24.33 per diluted share, compared to net income of $147,679,000, $19.04 per diluted share, for the same period of 2004. Consolidated revenues increased 18% to $1,373,022,000 for the quarter when compared to $1,166,519,000 for the same period of 2004. The Company reported that new orders increased 7% to 2,897 units for the third quarter of 2005 when compared to the third quarter of 2004. New orders increased in each region, except Washington, D.C., which was negatively impacted by generally weaker market conditions. Backlog at the end of the period increased 14% to 8,875 units when compared to the same time last year. The dollar value of the backlog units totaled $3,831,608,000 at the end of the September 2005 quarter, a 30% increase from a year earlier.

Homebuilding revenues for the three months ended September 30, 2005, totaled $1,350,465,000, 18% higher than the year earlier period. Income before tax from the homebuilding segment totaled $291,721,000, an increase of 26% when compared to the third quarter of the previous year. Gross profit margins improved to 28.1% for the third quarter of 2005 compared to 26.0% for the same quarter of 2004. The margin improvement primarily resulted from the ability to raise prices in certain markets that more than offset rising material and land costs.

The Company reported that closed loan production from its mortgage banking segment increased 17% in the third quarter of 2005 when compared to the third quarter of 2004. The mortgage segment's operating income for the 2005 third quarter increased to $16,250,000, a 10% increase from the same period of 2004.

For the nine months ended September 30, 2005, consolidated revenues were $3,604,143,000, 18% higher than the $3,044,688,000 reported for the same period of 2004. Net income for the nine months ended September 30, 2005 was $475,022,000, an increase of 30% when compared to the nine months ended September 30, 2004. Earnings per diluted share for the nine months ended September 30, 2005 was $59.87, an increase of 29% from the $46.36 per diluted share reported for the comparable period of 2004.

The Company has increased its full year 2005 guidance to 30% growth in net income when compared to 2004. The Company also stated that during the first nine months of 2005 it had repurchased approximately 643,000 shares of its common stock.

Some of the statements in this release made by the Company constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934. Certain, but not necessarily all, of such forward-looking statements can be identified by the use of forward-looking terminology, such as "believes," "expects," "may," "will," "should" or "anticipates" or the negative thereof or other variations thereof or comparable terminology, or by discussion of strategies, each of which involves risks and uncertainties. All statements other than those of historical facts included herein, including those regarding market trends, NVR's financial position, business strategy, projected plans and objectives of management for future operations, are forward-looking statements. Such forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause the actual results or performance of NVR to be materially different from future results, performance or achievements expressed or implied by the forward-looking statements. Such risk factors include, but are not limited to, general economic and business conditions (on both a national and regional level), interest rate changes, access to suitable financing, competition, the availability and cost of land and other raw materials used by NVR in its homebuilding operations, shortages of labor, weather related slow downs, building moratoria, governmental regulation, the ability of NVR to integrate any acquired business, fluctuation and volatility of stock and other financial markets and other factors over which NVR has little or no control. The Company has no obligation to update such forward- looking statements.



                                  NVR, Inc.
                      Consolidated Statements of Income
                    (in thousands, except per share data)
                                 (unaudited)


                              Three Months Ended         Nine Months Ended
                                 September 30,             September 30,
                               2005         2004         2005         2004

    Homebuilding:
      Revenues              $1,350,465   $1,146,271   $3,546,965   $2,991,789
      Other income               1,224          675        4,157        2,002
      Cost of sales           (970,437)    (848,195)  (2,557,268)  (2,227,184)
      Selling, general
       and administrative      (86,626)     (64,482)    (243,276)    (187,305)
        Operating income       294,626      234,269      750,578      579,302
      Interest expense          (2,905)      (2,925)      (8,835)      (8,878)
        Homebuilding income    291,721      231,344      741,743      570,424

    Mortgage Banking:
      Mortgage banking fees     22,557       20,248       57,178       52,899
      Interest income            1,492        1,035        3,276        2,937
      Other income                 435          321        1,022          766
      General and
       administrative           (7,957)      (6,555)     (22,486)     (19,037)
      Interest expense            (277)        (262)        (730)        (879)
        Mortgage banking
         income                 16,250       14,787       38,260       36,686

    Income before taxes        307,971      246,131      780,003      607,110

        Income tax expense    (118,528)     (98,452)    (304,981)    (242,844)

    Net income              $  189,443   $  147,679   $  475,022   $  364,266


    Basic earnings per
     share                  $    30.08   $    23.16   $    73.73   $    56.21

    Diluted earnings per
     share                  $    24.33   $    19.04   $    59.87   $    46.36

    Basic average shares
     outstanding                 6,298        6,377        6,443        6,481

    Diluted average shares
     outstanding                 7,787        7,758        7,934        7,858



                                  NVR, Inc.
                         Consolidated Balance Sheets
               (in thousands, except share and per share data)


                                                 September 30,   December 31,
                                                     2005           2004
                                                  (unaudited)
    ASSETS

      Homebuilding:
         Cash and cash equivalents               $   240,340    $   362,458
         Receivables                                  19,212         14,020
         Inventory:
           Lots and housing units, covered under
            sales agreements with customers          853,709        538,770
           Unsold lots and housing units              53,340         40,052
           Manufacturing materials and other           9,532          9,718
                                                     916,581        588,540

         Contract land deposits                      514,272        384,959
         Assets not owned, consolidated
          per FIN 46R                                167,184         89,924
         Property, plant and equipment, net           25,254         25,330
         Reorganization value in excess of amounts
          allocable to identifiable assets, net       41,580         41,580
         Goodwill and indefinite life
          intangibles, net                            10,579          6,379
         Definite life intangibles, net                  406              -
         Other assets                                120,875        109,778

                                                   2,056,283      1,622,968

      Mortgage Banking:
         Cash and cash equivalents                     5,426          4,907
         Mortgage loans held for sale, net           143,534        138,595
         Mortgage servicing rights, net                   94            126
         Property and equipment, net                     903            996
         Reorganization value in excess of amounts
          allocable to identifiable assets, net        7,347          7,347
         Other assets                                  2,527          3,028

                                                     159,831        154,999

             Total assets                        $ 2,216,114    $ 1,777,967


    LIABILITIES AND SHAREHOLDERS' EQUITY

      Homebuilding:
         Accounts payable                        $   281,210    $   215,002
         Accrued expenses and other liabilities      274,278        234,815
         Customer deposits                           289,152        203,835
         Liabilities related to assets not
          owned, consolidated per FIN 46R            130,969         63,568
         Other term debt                               3,349          4,077
         Senior notes                                200,000        200,000
                                                   1,178,958        921,297

      Mortgage Banking:
         Accounts payable and other liabilities       18,058         11,949
         Notes payable                               113,699          9,726
                                                     131,757         21,675

             Total liabilities                     1,310,715        942,972


         Commitments and contingencies

         Shareholders' equity:
         Common stock, $0.01 par value;
          60,000,000 shares authorized;
          20,592,640 and 20,597,709 shares
          issued as of September 30, 2005 and
          December 31, 2004, respectively                206            206
         Additional paid-in-capital                  474,613        406,705
         Deferred compensation trust -- 547,697
          and 549,029 shares of NVR, Inc.
          common stock as of September 30, 2005
          and December 31, 2004, respectively        (76,303)       (76,366)
         Deferred compensation liability              76,303         76,366
         Retained earnings                         2,386,091      1,911,069
         Less treasury stock at cost --
          14,352,072 and 14,023,631 shares as
          of September 30, 2005 and December
          31, 2004, respectively                  (1,955,511)    (1,482,985)
           Total shareholders' equity                905,399        834,995
              Total liabilities and
               shareholders' equity              $ 2,216,114    $ 1,777,967



                                  NVR, Inc.
                              Operating Activity
                                 (unaudited)
                            (dollars in thousands)


                                 Three Months Ended        Nine Months Ended
                                    September 30,            September 30,
                                  2005        2004         2005         2004

    Homebuilding data:
      New orders (units)
        Washington (1)             622         766        2,881        2,907
        Baltimore (2)              431         264        1,461        1,094
        North (3)                1,225       1,163        4,480        4,040
        South (4)                  619         525        2,216        1,996
          Total                  2,897       2,718       11,038       10,037

      Average new order price   $399.3      $374.3       $403.8       $358.5

      Settlements (units)
        Washington (1)             964         924        2,570        2,397
        Baltimore (2)              388         387        1,046        1,179
        North (3)                1,491       1,450        3,889        3,855
        South (4)                  733         672        2,102        1,721
          Total                  3,576       3,433        9,607        9,152

      Average settlement price  $377.5      $332.9       $368.5       $325.9

      Backlog (units)
        Washington (1)                                    2,864        2,774
        Baltimore (2)                                     1,231          872
        North (3)                                         3,340        2,810
        South (4)                                         1,440        1,319
          Total                                           8,875        7,775

      Average backlog price                              $431.7       $378.1

      Community count
       (average)                   518         440          501          443
      Lots controlled at
       end of period                                    100,000       76,000

    Mortgage banking data:
      Loan closings           $867,864    $739,834   $2,340,177   $1,891,771
      Capture rate                 85%         85%          87%          84%

    Common stock information:
      Shares outstanding at
       end of period                                  6,240,568    6,401,581
      Weighted average basic
       shares outstanding    6,298,000   6,377,000    6,443,000    6,481,000
      Weighted average
       diluted shares
       outstanding           7,787,000   7,758,000    7,934,000    7,858,000
      Number of shares
       repurchased             137,000      63,570      643,150      615,189
      Aggregate cost of
       shares repurchased     $115,215     $29,858     $510,531     $275,715

        (1) Washington, D.C. metropolitan area and adjacent counties in
            Maryland, Virginia and West Virginia
        (2) Baltimore, MD metropolitan area and adjacent counties in
            Pennsylvania
        (3) Delaware, Maryland Eastern Shore, New Jersey, New York, Ohio and
            Pennsylvania
        (4) North Carolina, South Carolina, Tennessee and Richmond, VA
SOURCE  NVR, Inc.
    -0-                             10/18/2005
    /CONTACT:  Dan Malzahn of NVR, Inc., +1-703-956-4204/
    /Web site:  http://www.nvrinc.com /
    (NVR)

CO:  NVR, Inc.
ST:  Virginia
IN:  CST RLT FIN
SU:  ERN ERP

JV-PM
-- DCTU004 --
5748 10/18/2005 09:00 EDT http://www.prnewswire.com