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HAVERTY FURNITURE (HVT) Stock Fundamental Analysis

USA - NYSE:HVT - US4195961010 - Common Stock

21.65 USD
+1.43 (+7.07%)
Last: 10/30/2025, 8:15:31 PM
21.65 USD
0 (0%)
After Hours: 10/30/2025, 8:15:31 PM
Fundamental Rating

6

Taking everything into account, HVT scores 6 out of 10 in our fundamental rating. HVT was compared to 121 industry peers in the Specialty Retail industry. HVT is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. HVT is valued quite cheap, while showing a decent growth score. This is a good combination! HVT also has an excellent dividend rating. These ratings could make HVT a good candidate for value and dividend investing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

In the past year HVT was profitable.
HVT had a positive operating cash flow in the past year.
Each year in the past 5 years HVT has been profitable.
HVT had a positive operating cash flow in each of the past 5 years.
HVT Yearly Net Income VS EBIT VS OCF VS FCFHVT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

1.2 Ratios

Looking at the Return On Assets, with a value of 3.05%, HVT is in line with its industry, outperforming 59.50% of the companies in the same industry.
With a decent Return On Equity value of 6.43%, HVT is doing good in the industry, outperforming 61.98% of the companies in the same industry.
HVT has a Return On Invested Capital (3.05%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for HVT is in line with the industry average of 11.81%.
The 3 year average ROIC (10.44%) for HVT is well above the current ROIC(3.05%). The reason for the recent decline needs to be investigated.
Industry RankSector 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%
HVT Yearly ROA, ROE, ROICHVT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

Looking at the Profit Margin, with a value of 2.71%, HVT is in the better half of the industry, outperforming 67.77% of the companies in the same industry.
HVT's Profit Margin has been stable in the last couple of years.
With a Operating Margin value of 2.81%, HVT perfoms like the industry average, outperforming 52.89% of the companies in the same industry.
HVT's Operating Margin has declined in the last couple of years.
HVT has a Gross Margin of 61.04%. This is amongst the best in the industry. HVT outperforms 90.91% of its industry peers.
In the last couple of years the Gross Margin of HVT has grown nicely.
Industry RankSector 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%
HVT Yearly Profit, Operating, Gross MarginsHVT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

7

2. Health

2.1 Basic Checks

HVT has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for HVT has been increased compared to 1 year ago.
The number of shares outstanding for HVT has been reduced compared to 5 years ago.
HVT has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
HVT Yearly Shares OutstandingHVT Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
HVT Yearly Total Debt VS Total AssetsHVT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.2 Solvency

An Altman-Z score of 2.91 indicates that HVT is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of HVT (2.91) is better than 65.29% of its industry peers.
HVT has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 2.91
ROIC/WACC0.33
WACC9.36%
HVT Yearly LT Debt VS Equity VS FCFHVT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.3 Liquidity

A Current Ratio of 1.81 indicates that HVT should not have too much problems paying its short term obligations.
The Current ratio of HVT (1.81) is better than 77.69% of its industry peers.
HVT has a Quick Ratio of 1.09. This is a normal value and indicates that HVT is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of HVT (1.09) is better than 77.69% of its industry peers.
Industry RankSector Rank
Current Ratio 1.81
Quick Ratio 1.09
HVT Yearly Current Assets VS Current LiabilitesHVT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

4

3. Growth

3.1 Past

HVT shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -27.04%.
The Earnings Per Share has been growing slightly by 0.17% on average over the past years.
HVT shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.15%.
Measured over the past years, HVT shows a decrease in Revenue. The Revenue has been decreasing by -2.06% on average per year.
EPS 1Y (TTM)-27.04%
EPS 3Y-37.83%
EPS 5Y0.17%
EPS Q2Q%0%
Revenue 1Y (TTM)-16.15%
Revenue growth 3Y-10.63%
Revenue growth 5Y-2.06%
Sales Q2Q%10.55%

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
Based on estimates for the next years, HVT will show a small growth in Revenue. The Revenue will grow by 5.71% on average per year.
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
HVT Yearly Revenue VS EstimatesHVT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M 800M 1B
HVT Yearly EPS VS EstimatesHVT Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

7

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 18.66, which indicates a rather expensive current valuation of HVT.
HVT's Price/Earnings ratio is a bit cheaper when compared to the industry. HVT is cheaper than 73.55% of the companies in the same industry.
When comparing the Price/Earnings ratio of HVT to the average of the S&P500 Index (26.19), we can say HVT is valued slightly cheaper.
A Price/Forward Earnings ratio of 8.77 indicates a reasonable valuation of HVT.
HVT's Price/Forward Earnings ratio is rather cheap when compared to the industry. HVT is cheaper than 90.91% of the companies in the same industry.
HVT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.50.
Industry RankSector Rank
PE 18.66
Fwd PE 8.77
HVT Price Earnings VS Forward Price EarningsHVT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, HVT is valued cheaper than 86.78% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, HVT is valued cheaper than 81.82% of the companies in the same industry.
Industry RankSector Rank
P/FCF 13.09
EV/EBITDA 5.08
HVT Per share dataHVT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

The decent profitability rating of HVT may justify a higher PE ratio.
HVT's earnings are expected to grow with 44.66% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)109.56
EPS Next 2Y44.66%
EPS Next 3YN/A

7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.15%, HVT is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 5.20, HVT pays a better dividend. On top of this HVT pays more dividend than 95.04% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.33, HVT pays a better dividend.
Industry RankSector Rank
Dividend Yield 6.15%

5.2 History

The dividend of HVT is nicely growing with an annual growth rate of 10.67%!
HVT has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)10.67%
Div Incr Years0
Div Non Decr Years0
HVT Yearly Dividends per shareHVT Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

HVT pays out 105.92% of its income as dividend. This is not a sustainable payout ratio.
HVT's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP105.92%
EPS Next 2Y44.66%
EPS Next 3YN/A
HVT Yearly Income VS Free CF VS DividendHVT Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
HVT Dividend Payout.HVT Dividend Payout, showing the Payout Ratio.HVT Dividend Payout.PayoutRetained Earnings

HAVERTY FURNITURE

NYSE:HVT (10/30/2025, 8:15:31 PM)

After market: 21.65 0 (0%)

21.65

+1.43 (+7.07%)

Chartmill FA Rating
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)10-29 2025-10-29/amc
Earnings (Next)02-23 2026-02-23/amc
Inst Owners86.24%
Inst Owner Change0.26%
Ins Owners10.52%
Ins Owner Change-4.36%
Market Cap352.25M
Revenue(TTM)722.90M
Net Income(TTM)19.59M
Analysts80
Price Target29.58 (36.63%)
Short Float %5.17%
Short Ratio6.69
Dividend
Industry RankSector Rank
Dividend Yield 6.15%
Yearly Dividend1.27
Dividend Growth(5Y)10.67%
DP105.92%
Div Incr Years0
Div Non Decr Years0
Ex-Date08-25 2025-08-25 (0.32)
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)0%
PT rev (3m)26.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-35.21%
EPS NY rev (1m)0%
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 RankSector Rank
PE 18.66
Fwd PE 8.77
P/S 0.49
P/FCF 13.09
P/OCF 6.43
P/B 1.16
P/tB 1.16
EV/EBITDA 5.08
EPS(TTM)1.16
EY5.36%
EPS(NY)2.47
Fwd EY11.41%
FCF(TTM)1.65
FCFY7.64%
OCF(TTM)3.36
OCFY15.54%
SpS44.43
BVpS18.74
TBVpS18.74
PEG (NY)N/A
PEG (5Y)109.56
Graham Number22.11
Profitability
Industry RankSector 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%
ROICexgc growth 3Y-49.04%
ROICexgc 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 RankSector 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 2.91
F-Score5
WACC9.36%
ROIC/WACC0.33
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)-27.04%
EPS 3Y-37.83%
EPS 5Y0.17%
EPS Q2Q%0%
EPS Next Y-3.71%
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%10.55%
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%

HAVERTY FURNITURE / HVT FAQ

What is the ChartMill fundamental rating of HAVERTY FURNITURE (HVT) stock?

ChartMill assigns a fundamental rating of 6 / 10 to HVT.


What is the valuation status for HVT stock?

ChartMill assigns a valuation rating of 7 / 10 to HAVERTY FURNITURE (HVT). This can be considered as Undervalued.


How profitable is HAVERTY FURNITURE (HVT) stock?

HAVERTY FURNITURE (HVT) has a profitability rating of 6 / 10.


What is the valuation of HAVERTY FURNITURE based on its PE and PB ratios?

The Price/Earnings (PE) ratio for HAVERTY FURNITURE (HVT) is 18.66 and the Price/Book (PB) ratio is 1.16.


Can you provide the financial health for HVT stock?

The financial health rating of HAVERTY FURNITURE (HVT) is 7 / 10.