HAVERTY FURNITURE COS-CL A (HVT.A) Stock Fundamental Analysis
NYSE:HVT.A - New York Stock Exchange, Inc. - US4195962000 - Common Stock - Currency: USD
We assign a fundamental rating of 6 out of 10 to HVT.A. HVT.A was compared to 123 industry peers in the Specialty Retail industry. HVT.A gets an excellent profitability rating and is at the same time showing great financial health properties. HVT.A may be a bit undervalued, certainly considering the very reasonable score on growth This makes HVT.A very considerable for value investing!
1. Profitability
1.1 Basic Checks
HVT.A had positive earnings in the past year.
In the past year HVT.A had a positive cash flow from operations.
In the past 5 years HVT.A has always been profitable.
Each year in the past 5 years HVT.A had a positive operating cash flow.
1.2 Ratios
HVT.A's Return On Assets of 3.32% is fine compared to the rest of the industry. HVT.A outperforms 61.79% of its industry peers.
Looking at the Return On Equity, with a value of 6.99%, HVT.A is in the better half of the industry, outperforming 64.23% of the companies in the same industry.
HVT.A has a Return On Invested Capital of 3.36%. This is comparable to the rest of the industry: HVT.A outperforms 51.22% of its industry peers.
The Average Return On Invested Capital over the past 3 years for HVT.A is in line with the industry average of 11.91%.
The last Return On Invested Capital (3.36%) for HVT.A is well below the 3 year average (10.44%), which needs to be investigated, but indicates that HVT.A had better years and this may not be a problem.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.32% | ||
| ROE | 6.99% | ||
| ROIC | 3.36% |
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
With a decent Profit Margin value of 2.96%, HVT.A is doing good in the industry, outperforming 65.85% of the companies in the same industry.
HVT.A's Profit Margin has been stable in the last couple of years.
HVT.A has a Operating Margin (3.12%) which is in line with its industry peers.
HVT.A's Operating Margin has declined in the last couple of years.
HVT.A has a better Gross Margin (60.95%) than 90.24% of its industry peers.
In the last couple of years the Gross Margin of HVT.A has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.12% | ||
| PM (TTM) | 2.96% | ||
| GM | 60.95% |
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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so HVT.A is still creating some value.
The number of shares outstanding for HVT.A has been increased compared to 1 year ago.
HVT.A has less shares outstanding than it did 5 years ago.
HVT.A has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
An Altman-Z score of 3.00 indicates that HVT.A is not in any danger for bankruptcy at the moment.
With a decent Altman-Z score value of 3.00, HVT.A is doing good in the industry, outperforming 67.48% of the companies in the same industry.
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 | 3 |
ROIC/WACC0.36
WACC9.29%
2.3 Liquidity
A Current Ratio of 1.81 indicates that HVT.A should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.81, HVT.A is in the better half of the industry, outperforming 77.24% of the companies in the same industry.
A Quick Ratio of 1.12 indicates that HVT.A should not have too much problems paying its short term obligations.
HVT.A's Quick ratio of 1.12 is fine compared to the rest of the industry. HVT.A outperforms 78.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.81 | ||
| Quick Ratio | 1.12 |
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%.
Measured over the past 5 years, HVT.A shows a small growth in Earnings Per Share. The EPS has been growing by 0.17% on average per year.
Looking at the last year, HVT.A shows a very negative growth in Revenue. The Revenue has decreased by -16.15% in the last year.
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)-16.15%
Revenue growth 3Y-10.63%
Revenue growth 5Y-2.06%
Sales Q2Q%1.34%
3.2 Future
The Earnings Per Share is expected to grow by 44.66% on average over the next years. This is a very strong growth
HVT.A is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.99% yearly.
EPS Next Y11.27%
EPS Next 2Y44.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.13%
Revenue Next 2Y5.99%
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
HVT.A is valuated rather expensively with a Price/Earnings ratio of 19.74.
HVT.A's Price/Earnings ratio is a bit cheaper when compared to the industry. HVT.A is cheaper than 73.98% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.73, HVT.A is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 9.27, the valuation of HVT.A can be described as reasonable.
Based on the Price/Forward Earnings ratio, HVT.A is valued cheaply inside the industry as 85.37% of the companies are valued more expensively.
HVT.A's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.61.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.74 | ||
| Fwd PE | 9.27 |
4.2 Price Multiples
81.30% of the companies in the same industry are more expensive than HVT.A, based on the Enterprise Value to EBITDA ratio.
78.86% of the companies in the same industry are more expensive than HVT.A, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.28 | ||
| EV/EBITDA | 5.73 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
HVT.A has a very decent profitability rating, which 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)1.75
PEG (5Y)115.88
EPS Next 2Y44.66%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.20%, HVT.A is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 6.25, HVT.A pays a better dividend. On top of this HVT.A pays more dividend than 91.87% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.39, HVT.A pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.2% |
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
97.45% of the earnings are spent on dividend by HVT.A. This is not a sustainable payout ratio.
The dividend of HVT.A is growing, but earnings are growing more, so the dividend growth is sustainable.
DP97.45%
EPS Next 2Y44.66%
EPS Next 3YN/A
NYSE:HVT.A (8/12/2025, 8:04:00 PM)
22.9
+0.31 (+1.37%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners87.37%
Inst Owner Change-7.78%
Ins Owners10.92%
Ins Owner ChangeN/A
Market Cap369.83M
Analysts80
Price Target23.91 (4.41%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.2% |
Yearly Dividend1.27
Dividend Growth(5Y)10.67%
DP97.45%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)143.05%
Min EPS beat(2)62.66%
Max EPS beat(2)223.43%
EPS beat(4)3
Avg EPS beat(4)75.48%
Min EPS beat(4)-41.43%
Max EPS beat(4)223.43%
EPS beat(8)4
Avg EPS beat(8)27.87%
EPS beat(12)7
Avg EPS beat(12)28.99%
EPS beat(16)11
Avg EPS beat(16)28.73%
Revenue beat(2)2
Avg Revenue beat(2)1.33%
Min Revenue beat(2)1.16%
Max Revenue beat(2)1.49%
Revenue beat(4)2
Avg Revenue beat(4)-3%
Min Revenue beat(4)-10.52%
Max Revenue beat(4)1.49%
Revenue beat(8)2
Avg Revenue beat(8)-5.38%
Revenue beat(12)5
Avg Revenue beat(12)-2.08%
Revenue beat(16)8
Avg Revenue beat(16)-0.67%
PT rev (1m)0%
PT rev (3m)-21.91%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-38.3%
EPS NY rev (1m)0%
EPS NY rev (3m)-9.41%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)-2.15%
Revenue NY rev (1m)-1.38%
Revenue NY rev (3m)-1.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.74 | ||
| Fwd PE | 9.27 | ||
| P/S | 0.51 | ||
| P/FCF | 12.28 | ||
| P/OCF | 5.97 | ||
| P/B | 1.21 | ||
| P/tB | 1.21 | ||
| EV/EBITDA | 5.73 |
EPS(TTM)1.16
EY5.07%
EPS(NY)2.47
Fwd EY10.78%
FCF(TTM)1.86
FCFY8.14%
OCF(TTM)3.83
OCFY16.74%
SpS44.61
BVpS18.91
TBVpS18.91
PEG (NY)1.75
PEG (5Y)115.88
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.32% | ||
| ROE | 6.99% | ||
| ROCE | 4.37% | ||
| ROIC | 3.36% | ||
| ROICexc | 4.3% | ||
| ROICexgc | 4.3% | ||
| OM | 3.12% | ||
| PM (TTM) | 2.96% | ||
| GM | 60.95% | ||
| FCFM | 4.18% |
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-Score4
Asset Turnover1.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 141.05% | ||
| Cap/Sales | 4.42% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 137.53% | ||
| Profit Quality | 141.08% | ||
| Current Ratio | 1.81 | ||
| Quick Ratio | 1.12 | ||
| Altman-Z | 3 |
F-Score4
WACC9.29%
ROIC/WACC0.36
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 Y11.27%
EPS Next 2Y44.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-16.15%
Revenue growth 3Y-10.63%
Revenue growth 5Y-2.06%
Sales Q2Q%1.34%
Revenue Next Year3.13%
Revenue Next 2Y5.99%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-58.72%
EBIT growth 3Y-44.64%
EBIT growth 5Y-6.04%
EBIT Next Year375.13%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y123.02%
FCF growth 3Y-24.82%
FCF growth 5Y-10.46%
OCF growth 1Y49.22%
OCF growth 3Y-15.37%
OCF growth 5Y-1.46%