HAVERTY FURNITURE (HVT) Stock Fundamental Analysis
USA - NYSE:HVT - US4195961010 - Common Stock
20.61 USD
+0.29 (+1.43%)
We assign a fundamental rating of 6 out of 10 to HVT. HVT was compared to 119 industry peers in the Specialty Retail industry. While HVT has a great health rating, its profitability is only average at the moment. A decent growth rate in combination with a cheap valuation! Better keep an eye on HVT. HVT also has an excellent dividend rating. This makes HVT very considerable for value and 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.
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 has a Return On Assets (3.05%) which is comparable to the rest of the industry.
With a decent Return On Equity value of 6.43%, HVT is doing good in the industry, outperforming 62.18% of the companies in the same industry.
HVT has a Return On Invested Capital of 3.05%. This is comparable to the rest of the industry: HVT outperforms 48.74% of its industry peers.
The Average Return On Invested Capital over the past 3 years for HVT is in line with the industry average of 11.94%.
The last Return On Invested Capital (3.05%) 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 | 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
HVT has a Profit Margin of 2.71%. This is in the better half of the industry: HVT outperforms 67.23% of its industry peers.
In the last couple of years the Profit Margin of HVT has remained more or less at the same level.
HVT has a Operating Margin of 2.81%. This is comparable to the rest of the industry: HVT outperforms 53.78% of its industry peers.
HVT's Operating Margin has declined in the last couple of years.
The Gross Margin of HVT (61.04%) is better than 90.76% of its industry peers.
HVT's Gross Margin has improved in the last couple of years.
| 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so HVT is still creating some value.
Compared to 1 year ago, HVT has more shares outstanding
HVT has less shares outstanding than it did 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.
2.2 Solvency
HVT has an Altman-Z score of 2.92. This is not the best score and indicates that HVT is in the grey zone with still only limited risk for bankruptcy at the moment.
HVT has a Altman-Z score of 2.92. This is in the better half of the industry: HVT outperforms 64.71% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 2.92 |
ROIC/WACC0.32
WACC9.41%
2.3 Liquidity
HVT has a Current Ratio of 1.81. This is a normal value and indicates that HVT is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of HVT (1.81) is better than 78.99% of its industry peers.
A Quick Ratio of 1.09 indicates that HVT should not have too much problems paying its short term obligations.
HVT has a Quick ratio of 1.09. This is in the better half of the industry: HVT outperforms 78.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.81 | ||
| Quick Ratio | 1.09 |
3. Growth
3.1 Past
The earnings per share for HVT have decreased strongly by -50.21% in the last year.
Measured over the past 5 years, HVT shows a small growth in Earnings Per Share. The EPS has been growing by 0.17% on average per year.
HVT shows a decrease in Revenue. In the last year, the revenue decreased by -8.92%.
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)-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
HVT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 44.66% yearly.
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
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
A Price/Earnings ratio of 17.77 indicates a rather expensive valuation of HVT.
Based on the Price/Earnings ratio, HVT is valued a bit cheaper than 73.95% of the companies in the same industry.
When comparing the Price/Earnings ratio of HVT to the average of the S&P500 Index (26.83), we can say HVT is valued slightly cheaper.
With a Price/Forward Earnings ratio of 8.35, the valuation of HVT can be described as very reasonable.
90.76% of the companies in the same industry are more expensive than HVT, based on the Price/Forward Earnings ratio.
HVT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.77 | ||
| Fwd PE | 8.35 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, HVT is valued cheaper than 88.24% of the companies in the same industry.
83.19% of the companies in the same industry are more expensive than HVT, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.46 | ||
| EV/EBITDA | 5.12 |
4.3 Compensation for Growth
HVT has a very decent profitability rating, which 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)104.29
EPS Next 2Y44.66%
EPS Next 3YN/A
5. Dividend
5.1 Amount
HVT has a Yearly Dividend Yield of 6.35%, which is a nice return.
Compared to an average industry Dividend Yield of 5.52, HVT pays a better dividend. On top of this HVT pays more dividend than 94.96% 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 2.34.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.35% |
5.2 History
On average, the dividend of HVT grows each year by 10.67%, which is quite nice.
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 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
NYSE:HVT (10/24/2025, 12:11:03 PM)
20.61
+0.29 (+1.43%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners86.24%
Inst Owner Change0.25%
Ins Owners10.52%
Ins Owner Change-4.36%
Market Cap335.32M
Revenue(TTM)722.86M
Net Income(TTM)19.59M
Analysts80
Price Target29.58 (43.52%)
Short Float %5.56%
Short Ratio7.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.35% |
Yearly Dividend1.27
Dividend Growth(5Y)10.67%
DP105.92%
Div Incr Years0
Div Non Decr Years0
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)0%
PT rev (3m)26.09%
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 | 17.77 | ||
| Fwd PE | 8.35 | ||
| P/S | 0.46 | ||
| P/FCF | 12.46 | ||
| P/OCF | 6.13 | ||
| P/B | 1.1 | ||
| P/tB | 1.1 | ||
| EV/EBITDA | 5.12 |
EPS(TTM)1.16
EY5.63%
EPS(NY)2.47
Fwd EY11.98%
FCF(TTM)1.65
FCFY8.02%
OCF(TTM)3.36
OCFY16.33%
SpS44.43
BVpS18.74
TBVpS18.74
PEG (NY)N/A
PEG (5Y)104.29
Graham Number22.11
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%
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 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
WACC9.41%
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%
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 17.77 and the Price/Book (PB) ratio is 1.1.
Can you provide the financial health for HVT stock?
The financial health rating of HAVERTY FURNITURE (HVT) is 7 / 10.