HAVERTY FURNITURE COS-CL A (HVT.A) Stock Fundamental Analysis
USA - NYSE:HVT.A - US4195962000 - Common Stock
20.28 USD
-0.67 (-3.2%)
Overall HVT.A gets a fundamental rating of 6 out of 10. We evaluated HVT.A against 120 industry peers in the Specialty Retail industry. HVT.A has an excellent financial health rating, but there are some minor concerns on its profitability. HVT.A scores decently on growth, while it is valued quite cheap. This could make an interesting combination. These ratings would make HVT.A suitable for value investing!
1. Profitability
1.1 Basic Checks
In the past year HVT.A was profitable.
In the past year HVT.A had a positive cash flow from operations.
HVT.A had positive earnings in each of the past 5 years.
Each year in the past 5 years HVT.A had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 3.05%, HVT.A perfoms like the industry average, outperforming 59.17% of the companies in the same industry.
Looking at the Return On Equity, with a value of 6.43%, HVT.A is in the better half of the industry, outperforming 61.67% of the companies in the same industry.
HVT.A has a Return On Invested Capital (3.05%) which is comparable to the rest of the industry.
HVT.A had an Average Return On Invested Capital over the past 3 years of 10.44%. This is in line with the industry average of 12.17%.
The 3 year average ROIC (10.44%) for HVT.A is well above the current ROIC(3.05%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.05% | ||
| ROE | 6.43% | ||
| ROIC | 3.05% |
ROA(3y)8.49%
ROA(5y)9.48%
ROE(3y)18.55%
ROE(5y)22.89%
ROIC(3y)10.44%
ROIC(5y)12.56%
1.3 Margins
Looking at the Profit Margin, with a value of 2.71%, HVT.A is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
In the last couple of years the Profit Margin of HVT.A has remained more or less at the same level.
Looking at the Operating Margin, with a value of 2.81%, HVT.A is in line with its industry, outperforming 53.33% of the companies in the same industry.
HVT.A's Operating Margin has declined in the last couple of years.
HVT.A's Gross Margin of 61.04% is amongst the best of the industry. HVT.A outperforms 90.00% of its industry peers.
In the last couple of years the Gross Margin of HVT.A has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.81% | ||
| PM (TTM) | 2.71% | ||
| GM | 61.04% |
OM growth 3Y-38.05%
OM growth 5Y-4.06%
PM growth 3Y-32.47%
PM growth 5Y0.23%
GM growth 3Y2.3%
GM growth 5Y2.32%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), HVT.A is creating some value.
HVT.A has more shares outstanding than it did 1 year ago.
The number of shares outstanding for HVT.A has been reduced compared to 5 years ago.
There is no outstanding debt for HVT.A. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
HVT.A has an Altman-Z score of 2.92. This is not the best score and indicates that HVT.A is in the grey zone with still only limited risk for bankruptcy at the moment.
HVT.A has a Altman-Z score of 2.92. This is in the better half of the industry: HVT.A outperforms 65.00% of its industry peers.
There is no outstanding debt for HVT.A. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 2.92 |
ROIC/WACC0.32
WACC9.4%
2.3 Liquidity
HVT.A has a Current Ratio of 1.81. This is a normal value and indicates that HVT.A is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of HVT.A (1.81) is better than 78.33% of its industry peers.
HVT.A has a Quick Ratio of 1.09. This is a normal value and indicates that HVT.A is financially healthy and should not expect problems in meeting its short term obligations.
HVT.A has a better Quick ratio (1.09) than 78.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.81 | ||
| Quick Ratio | 1.09 |
3. Growth
3.1 Past
HVT.A shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -50.21%.
The Earnings Per Share has been growing slightly by 0.17% on average over the past years.
HVT.A shows a decrease in Revenue. In the last year, the revenue decreased by -8.92%.
The Revenue has been decreasing by -2.06% on average over the past years.
EPS 1Y (TTM)-50.21%
EPS 3Y-37.83%
EPS 5Y0.17%
EPS Q2Q%-40.74%
Revenue 1Y (TTM)-8.92%
Revenue growth 3Y-10.63%
Revenue growth 5Y-2.06%
Sales Q2Q%1.34%
3.2 Future
Based on estimates for the next years, HVT.A will show a very strong growth in Earnings Per Share. The EPS will grow by 44.66% on average per year.
The Revenue is expected to grow by 5.71% on average over the next years.
EPS Next Y-3.71%
EPS Next 2Y44.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.25%
Revenue Next 2Y5.71%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 17.48, the valuation of HVT.A can be described as rather expensive.
Based on the Price/Earnings ratio, HVT.A is valued a bit cheaper than the industry average as 73.33% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.40, HVT.A is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 8.21, the valuation of HVT.A can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HVT.A indicates a rather cheap valuation: HVT.A is cheaper than 89.17% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.94, HVT.A is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.48 | ||
| Fwd PE | 8.21 |
4.2 Price Multiples
85.83% of the companies in the same industry are more expensive than HVT.A, based on the Enterprise Value to EBITDA ratio.
HVT.A's Price/Free Cash Flow ratio is rather cheap when compared to the industry. HVT.A is cheaper than 82.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.27 | ||
| EV/EBITDA | 5.1 |
4.3 Compensation for Growth
The decent profitability rating of HVT.A may justify a higher PE ratio.
A more expensive valuation may be justified as HVT.A's earnings are expected to grow with 44.66% in the coming years.
PEG (NY)N/A
PEG (5Y)102.62
EPS Next 2Y44.66%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.35%, HVT.A is a good candidate for dividend investing.
HVT.A's Dividend Yield is rather good when compared to the industry average which is at 5.54. HVT.A pays more dividend than 95.00% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.36, HVT.A pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.35% |
5.2 History
The dividend of HVT.A is nicely growing with an annual growth rate of 10.67%!
HVT.A has been paying a dividend for over 5 years, so it has already some track record.
HVT.A has decreased its dividend recently.
Dividend Growth(5Y)10.67%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
105.92% of the earnings are spent on dividend by HVT.A. This is not a sustainable payout ratio.
HVT.A's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP105.92%
EPS Next 2Y44.66%
EPS Next 3YN/A
NYSE:HVT.A (10/9/2025, 9:17:35 PM)
20.28
-0.67 (-3.2%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners86.24%
Inst Owner Change0%
Ins Owners10.52%
Ins Owner ChangeN/A
Market Cap329.96M
Analysts80
Price Target28.64 (41.22%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.35% |
Yearly Dividend1.27
Dividend Growth(5Y)10.67%
DP105.92%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)35.96%
Min EPS beat(2)9.25%
Max EPS beat(2)62.66%
EPS beat(4)3
Avg EPS beat(4)63.48%
Min EPS beat(4)-41.43%
Max EPS beat(4)223.43%
EPS beat(8)5
Avg EPS beat(8)31.25%
EPS beat(12)7
Avg EPS beat(12)23.94%
EPS beat(16)11
Avg EPS beat(16)25.77%
Revenue beat(2)2
Avg Revenue beat(2)1.24%
Min Revenue beat(2)1.16%
Max Revenue beat(2)1.32%
Revenue beat(4)3
Avg Revenue beat(4)-1.64%
Min Revenue beat(4)-10.52%
Max Revenue beat(4)1.49%
Revenue beat(8)3
Avg Revenue beat(8)-4.05%
Revenue beat(12)5
Avg Revenue beat(12)-2.66%
Revenue beat(16)8
Avg Revenue beat(16)-1.45%
PT rev (1m)19.82%
PT rev (3m)19.82%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-35.21%
EPS NY rev (1m)-1.32%
EPS NY rev (3m)-13.46%
Revenue NQ rev (1m)-0.26%
Revenue NQ rev (3m)-3.91%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)-1.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.48 | ||
| Fwd PE | 8.21 | ||
| P/S | 0.46 | ||
| P/FCF | 12.27 | ||
| P/OCF | 6.03 | ||
| P/B | 1.08 | ||
| P/tB | 1.08 | ||
| EV/EBITDA | 5.1 |
EPS(TTM)1.16
EY5.72%
EPS(NY)2.47
Fwd EY12.18%
FCF(TTM)1.65
FCFY8.15%
OCF(TTM)3.36
OCFY16.59%
SpS44.43
BVpS18.74
TBVpS18.74
PEG (NY)N/A
PEG (5Y)102.62
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.05% | ||
| ROE | 6.43% | ||
| ROCE | 3.97% | ||
| ROIC | 3.05% | ||
| ROICexc | 3.86% | ||
| ROICexgc | 3.86% | ||
| OM | 2.81% | ||
| PM (TTM) | 2.71% | ||
| GM | 61.04% | ||
| FCFM | 3.72% |
ROA(3y)8.49%
ROA(5y)9.48%
ROE(3y)18.55%
ROE(5y)22.89%
ROIC(3y)10.44%
ROIC(5y)12.56%
ROICexc(3y)13.79%
ROICexc(5y)18.41%
ROICexgc(3y)13.79%
ROICexgc(5y)18.41%
ROCE(3y)13.58%
ROCE(5y)16.34%
ROICexcg growth 3Y-49.04%
ROICexcg growth 5Y-8%
ROICexc growth 3Y-49.04%
ROICexc growth 5Y-8%
OM growth 3Y-38.05%
OM growth 5Y-4.06%
PM growth 3Y-32.47%
PM growth 5Y0.23%
GM growth 3Y2.3%
GM growth 5Y2.32%
F-Score5
Asset Turnover1.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 119.52% | ||
| Cap/Sales | 3.85% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 125.53% | ||
| Profit Quality | 137.31% | ||
| Current Ratio | 1.81 | ||
| Quick Ratio | 1.09 | ||
| Altman-Z | 2.92 |
F-Score5
WACC9.4%
ROIC/WACC0.32
Cap/Depr(3y)200.69%
Cap/Depr(5y)174.23%
Cap/Sales(3y)4.44%
Cap/Sales(5y)3.63%
Profit Quality(3y)79.31%
Profit Quality(5y)101.86%
High Growth Momentum
Growth
EPS 1Y (TTM)-50.21%
EPS 3Y-37.83%
EPS 5Y0.17%
EPS Q2Q%-40.74%
EPS Next Y-3.71%
EPS Next 2Y44.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.92%
Revenue growth 3Y-10.63%
Revenue growth 5Y-2.06%
Sales Q2Q%1.34%
Revenue Next Year3.25%
Revenue Next 2Y5.71%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-54.37%
EBIT growth 3Y-44.64%
EBIT growth 5Y-6.04%
EBIT Next Year375.13%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y186.19%
FCF growth 3Y-24.82%
FCF growth 5Y-10.46%
OCF growth 1Y-15.52%
OCF growth 3Y-15.37%
OCF growth 5Y-1.46%