HAVERTY FURNITURE (HVT) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HVT - US4195961010 - Common Stock
26.45 USD
-0.14 (-0.53%)
26.45 USD
0 (0%)
We assign a fundamental rating of 6 out of 10 to HVT. HVT was compared to 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 has a decent growth rate and is not valued too expensively. HVT also has an excellent dividend rating. With these ratings, HVT could be worth investigating further for dividend investing!.
1. Profitability
1.1 Basic Checks
- In the past year HVT was profitable.
- HVT had a positive operating cash flow in the past year.
- HVT had positive earnings in each of the past 5 years.
- HVT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- HVT's Return On Assets of 2.98% is in line compared to the rest of the industry. HVT outperforms 59.02% of its industry peers.
- HVT has a better Return On Equity (6.34%) than 60.66% of its industry peers.
- HVT has a Return On Invested Capital (3.07%) which is in line with its industry peers.
- HVT had an Average Return On Invested Capital over the past 3 years of 10.44%. This is in line with the industry average of 12.24%.
- The last Return On Invested Capital (3.07%) for HVT is well below the 3 year average (10.44%), which needs to be investigated, but indicates that HVT had better years and this may not be a problem.
| 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
- HVT's Profit Margin of 2.62% is fine compared to the rest of the industry. HVT outperforms 65.57% of its industry peers.
- HVT's Profit Margin has been stable in the last couple of years.
- HVT's Operating Margin of 2.74% is in line compared to the rest of the industry. HVT outperforms 52.46% of its industry peers.
- In the last couple of years the Operating Margin of HVT has declined.
- Looking at the Gross Margin, with a value of 61.05%, HVT belongs to the top of the industry, outperforming 89.34% of the companies in the same industry.
- HVT's Gross Margin has improved in the last couple of years.
| 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
- HVT has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- HVT has more shares outstanding than it did 1 year ago.
- The number of shares outstanding for HVT has been reduced compared to 5 years ago.
- 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.
- With a decent Altman-Z score value of 3.08, HVT is doing good in the industry, outperforming 70.49% of the companies in the same industry.
- HVT has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 3.08 |
ROIC/WACC0.32
WACC9.71%
2.3 Liquidity
- HVT has a Current Ratio of 1.75. This is a normal value and indicates that HVT is financially healthy and should not expect problems in meeting its short term obligations.
- HVT has a better Current ratio (1.75) than 73.77% of its industry peers.
- 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.
- The Quick ratio of HVT (1.11) is better than 76.23% of its industry peers.
| 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.
- HVT shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.17% yearly.
- The Revenue has decreased by -1.05% in the past year.
- HVT shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.06% yearly.
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.
- Based on estimates for the next years, HVT will show a small growth in Revenue. The Revenue will grow by 7.19% on average per year.
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 22.80, HVT is valued on the expensive side.
- Based on the Price/Earnings ratio, HVT is valued a bit cheaper than the industry average as 69.67% of the companies are valued more expensively.
- The average S&P500 Price/Earnings ratio is at 27.33. HVT is around the same levels.
- HVT is valuated correctly with a Price/Forward Earnings ratio of 12.24.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of HVT indicates a somewhat cheap valuation: HVT is cheaper than 79.51% of the companies listed in the same industry.
- HVT is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.12, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.8 | ||
| Fwd PE | 12.24 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HVT indicates a somewhat cheap valuation: HVT is cheaper than 76.23% of the companies listed in the same industry.
- 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 | 11 | ||
| EV/EBITDA | 6.87 |
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)133.85
EPS Next 2Y35.34%
EPS Next 3Y39.77%
5. Dividend
5.1 Amount
- HVT has a Yearly Dividend Yield of 5.15%, which is a nice return.
- 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.
- Compared to an average S&P500 Dividend Yield of 1.91, HVT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.15% |
5.2 History
- On average, the dividend of HVT grows each year by 10.67%, which is quite nice.
- 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
5.3 Sustainability
- 106.78% of the earnings are spent on dividend by HVT. This is not a sustainable payout ratio.
- The dividend of HVT is growing, but earnings are growing more, so the dividend growth is sustainable.
DP106.78%
EPS Next 2Y35.34%
EPS Next 3Y39.77%
26.45
-0.14 (-0.53%)
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 Cap430.34M
Revenue(TTM)741.43M
Net Income(TTM)19.39M
Analysts80
Price Target30.6 (15.69%)
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 | 22.8 | ||
| Fwd PE | 12.24 | ||
| P/S | 0.58 | ||
| P/FCF | 11 | ||
| P/OCF | 6.92 | ||
| P/B | 1.41 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | 6.87 |
EPS(TTM)1.16
EY4.39%
EPS(NY)2.16
Fwd EY8.17%
FCF(TTM)2.4
FCFY9.09%
OCF(TTM)3.82
OCFY14.45%
SpS45.57
BVpS18.81
TBVpS18.81
PEG (NY)N/A
PEG (5Y)133.85
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
WACC9.71%
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.