HAVERTY FURNITURE (HVT) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HVT - US4195961010 - Common Stock
26.42 USD
-0.03 (-0.11%)
26.42 USD
0 (0%)
HVT gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 122 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 not valued too expensively and it also shows a decent growth rate. Finally HVT also has an excellent dividend rating. These ratings would make HVT suitable for dividend investing!
1. Profitability
1.1 Basic Checks
- HVT had positive earnings in the past year.
- HVT had a positive operating cash flow in the past year.
- In the past 5 years HVT has always been profitable.
- In the past 5 years HVT always reported a positive cash flow from operatings.
1.2 Ratios
- HVT has a Return On Assets of 2.98%. This is comparable to the rest of the industry: HVT outperforms 59.02% of its industry peers.
- HVT's Return On Equity of 6.34% is fine compared to the rest of the industry. HVT outperforms 60.66% of its industry peers.
- With a Return On Invested Capital value of 3.07%, HVT perfoms like the industry average, outperforming 48.36% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for HVT is in line with the industry average of 12.24%.
- The 3 year average ROIC (10.44%) for HVT is well above the current ROIC(3.07%). The reason for the recent decline needs to be investigated.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.98% | ||
| ROE | 6.34% | ||
| ROIC | 3.07% |
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 2.62%, HVT is in the better half of the industry, outperforming 65.57% of the companies in the same industry.
- HVT's Profit Margin has been stable in the last couple of years.
- The Operating Margin of HVT (2.74%) is comparable to the rest of the industry.
- In the last couple of years the Operating Margin of HVT has declined.
- HVT has a Gross Margin of 61.05%. This is amongst the best in the industry. HVT outperforms 89.34% of its industry peers.
- In the last couple of years the Gross Margin of HVT has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.74% | ||
| PM (TTM) | 2.62% | ||
| GM | 61.05% |
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 is still creating some value.
- The number of shares outstanding for HVT has been increased compared to 1 year ago.
- Compared to 5 years ago, HVT has less shares outstanding
- There is no outstanding debt for HVT. 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 has an Altman-Z score of 3.08. This indicates that HVT is financially healthy and has little risk of bankruptcy at the moment.
- The Altman-Z score of HVT (3.08) is better than 71.31% of its industry peers.
- There is no outstanding debt for HVT. 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 | 3.08 |
ROIC/WACC0.32
WACC9.69%
2.3 Liquidity
- A Current Ratio of 1.75 indicates that HVT should not have too much problems paying its short term obligations.
- With a decent Current ratio value of 1.75, HVT is doing good in the industry, outperforming 73.77% of the companies in the same industry.
- HVT has a Quick Ratio of 1.11. This is a normal value and indicates that HVT is financially healthy and should not expect problems in meeting its short term obligations.
- Looking at the Quick ratio, with a value of 1.11, HVT is in the better half of the industry, outperforming 76.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.75 | ||
| Quick Ratio | 1.11 |
3. Growth
3.1 Past
- The earnings per share for HVT have decreased strongly by -27.04% in the last year.
- The Earnings Per Share has been growing slightly by 0.17% on average over the past years.
- The Revenue has decreased by -1.05% in the past year.
- 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)-1.05%
Revenue growth 3Y-10.63%
Revenue growth 5Y-2.06%
Sales Q2Q%10.57%
3.2 Future
- Based on estimates for the next years, HVT will show a very strong growth in Earnings Per Share. The EPS will grow by 39.77% on average per year.
- HVT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.19% yearly.
EPS Next Y-0.28%
EPS Next 2Y35.34%
EPS Next 3Y39.77%
EPS Next 5YN/A
Revenue Next Year5.04%
Revenue Next 2Y6.57%
Revenue Next 3Y7.19%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- 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 22.78, the valuation of HVT can be described as rather expensive.
- Based on the Price/Earnings ratio, HVT is valued a bit cheaper than 69.67% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.33, HVT is valued at the same level.
- The Price/Forward Earnings ratio is 12.22, which indicates a correct valuation of HVT.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of HVT indicates a somewhat cheap valuation: HVT is cheaper than 78.69% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 24.12. HVT is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.78 | ||
| Fwd PE | 12.22 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, HVT is valued a bit cheaper than the industry average as 76.23% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, HVT is valued cheaply inside the industry as 84.43% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.99 | ||
| EV/EBITDA | 6.82 |
4.3 Compensation for Growth
- HVT has a very decent profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as HVT's earnings are expected to grow with 39.77% in the coming years.
PEG (NY)N/A
PEG (5Y)133.69
EPS Next 2Y35.34%
EPS Next 3Y39.77%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 5.15%, HVT is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.13, HVT pays a better dividend. On top of this HVT pays more dividend than 90.98% of the companies listed in the same industry.
- HVT's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.15% |
5.2 History
- The dividend of HVT is nicely growing with an annual growth rate of 10.67%!
- HVT has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)10.67%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- HVT pays out 106.78% 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.
DP106.78%
EPS Next 2Y35.34%
EPS Next 3Y39.77%
26.42
-0.03 (-0.11%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)10-31 2025-10-31/bmo
Earnings (Next)02-23 2026-02-23/amc
Inst Owners85.71%
Inst Owner Change-0.32%
Ins Owners10.52%
Ins Owner Change-3.55%
Market Cap429.85M
Revenue(TTM)741.43M
Net Income(TTM)19.39M
Analysts80
Price Target30.6 (15.82%)
Short Float %4.42%
Short Ratio5.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.15% |
Yearly Dividend1.27
Dividend Growth(5Y)10.67%
DP106.78%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.38%
Min EPS beat(2)9.25%
Max EPS beat(2)15.51%
EPS beat(4)4
Avg EPS beat(4)77.71%
Min EPS beat(4)9.25%
Max EPS beat(4)223.43%
EPS beat(8)5
Avg EPS beat(8)31.82%
EPS beat(12)7
Avg EPS beat(12)20.81%
EPS beat(16)11
Avg EPS beat(16)26.37%
Revenue beat(2)2
Avg Revenue beat(2)1.8%
Min Revenue beat(2)1.32%
Max Revenue beat(2)2.28%
Revenue beat(4)4
Avg Revenue beat(4)1.56%
Min Revenue beat(4)1.16%
Max Revenue beat(4)2.28%
Revenue beat(8)4
Avg Revenue beat(8)-3.26%
Revenue beat(12)5
Avg Revenue beat(12)-3.31%
Revenue beat(16)9
Avg Revenue beat(16)-1.26%
PT rev (1m)0%
PT rev (3m)3.45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2%
EPS NY rev (1m)0%
EPS NY rev (3m)3.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.78%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.78 | ||
| Fwd PE | 12.22 | ||
| P/S | 0.58 | ||
| P/FCF | 10.99 | ||
| P/OCF | 6.91 | ||
| P/B | 1.4 | ||
| P/tB | 1.4 | ||
| EV/EBITDA | 6.82 |
EPS(TTM)1.16
EY4.39%
EPS(NY)2.16
Fwd EY8.18%
FCF(TTM)2.4
FCFY9.1%
OCF(TTM)3.82
OCFY14.47%
SpS45.57
BVpS18.81
TBVpS18.81
PEG (NY)N/A
PEG (5Y)133.69
Graham Number22.16
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.98% | ||
| ROE | 6.34% | ||
| ROCE | 3.99% | ||
| ROIC | 3.07% | ||
| ROICexc | 4.13% | ||
| ROICexgc | 4.13% | ||
| OM | 2.74% | ||
| PM (TTM) | 2.62% | ||
| GM | 61.05% | ||
| FCFM | 5.28% |
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-Score7
Asset Turnover1.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 97.37% | ||
| Cap/Sales | 3.11% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 141.39% | ||
| Profit Quality | 201.73% | ||
| Current Ratio | 1.75 | ||
| Quick Ratio | 1.11 | ||
| Altman-Z | 3.08 |
F-Score7
WACC9.69%
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)-27.04%
EPS 3Y-37.83%
EPS 5Y0.17%
EPS Q2Q%0%
EPS Next Y-0.28%
EPS Next 2Y35.34%
EPS Next 3Y39.77%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.05%
Revenue growth 3Y-10.63%
Revenue growth 5Y-2.06%
Sales Q2Q%10.57%
Revenue Next Year5.04%
Revenue Next 2Y6.57%
Revenue Next 3Y7.19%
Revenue Next 5YN/A
EBIT growth 1Y-29.14%
EBIT growth 3Y-44.64%
EBIT growth 5Y-6.04%
EBIT Next Year375.13%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-0.96%
FCF growth 3Y-24.82%
FCF growth 5Y-10.46%
OCF growth 1Y-32.53%
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.
Can you provide the valuation status for HAVERTY FURNITURE?
ChartMill assigns a valuation rating of 6 / 10 to HAVERTY FURNITURE (HVT). This can be considered as Fairly Valued.
How profitable is HAVERTY FURNITURE (HVT) stock?
HAVERTY FURNITURE (HVT) has a profitability rating of 6 / 10.
What is the financial health of HAVERTY FURNITURE (HVT) stock?
The financial health rating of HAVERTY FURNITURE (HVT) is 7 / 10.
What is the expected EPS growth for HAVERTY FURNITURE (HVT) stock?
The Earnings per Share (EPS) of HAVERTY FURNITURE (HVT) is expected to decline by -0.28% in the next year.