HAVERTY FURNITURE (HVT) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HVT - US4195961010 - Common Stock
23.725 USD
-0.37 (-1.56%)
Overall HVT gets a fundamental rating of 6 out of 10. We evaluated HVT against 123 industry peers in the Specialty Retail industry. HVT has outstanding health and profitabily ratings, belonging to the best of the industry. This is a solid base for any company. HVT scores decently on growth, while it is valued quite cheap. This could make an interesting combination. Finally HVT also has an excellent dividend rating. This makes HVT very considerable for value and dividend investing!
1. Profitability
1.1 Basic Checks
In the past year HVT was profitable.
In the past year HVT had a positive cash flow from operations.
In the past 5 years HVT has always been profitable.
HVT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 2.98%, HVT is doing good in the industry, outperforming 60.16% of the companies in the same industry.
HVT's Return On Equity of 6.34% is fine compared to the rest of the industry. HVT outperforms 61.79% of its industry peers.
HVT has a Return On Invested Capital of 3.07%. This is comparable to the rest of the industry: HVT outperforms 48.78% of 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 12.14%.
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
Looking at the Profit Margin, with a value of 2.62%, HVT is in the better half of the industry, outperforming 66.67% 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 2.74%, HVT perfoms like the industry average, outperforming 53.66% of the companies in the same industry.
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 89.43% 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
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
Compared to 5 years ago, HVT has less shares outstanding
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 3.01. This indicates that HVT is financially healthy and has little risk of bankruptcy at the moment.
HVT has a Altman-Z score of 3.01. This is in the better half of the industry: HVT outperforms 70.73% 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 | 3.01 |
ROIC/WACC0.32
WACC9.61%
2.3 Liquidity
A Current Ratio of 1.75 indicates that HVT should not have too much problems paying its short term obligations.
The Current ratio of HVT (1.75) is better than 73.98% 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.
HVT has a better Quick ratio (1.11) than 76.42% 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.
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.
The Revenue has decreased by -1.05% in the past year.
The Revenue has been decreasing by -2.06% on average over the past years.
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
HVT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 39.77% yearly.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 20.45, the valuation of HVT can be described as rather expensive.
73.17% of the companies in the same industry are more expensive than HVT, based on the Price/Earnings ratio.
HVT's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.92.
A Price/Forward Earnings ratio of 10.98 indicates a reasonable valuation of HVT.
84.55% 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 23.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.45 | ||
| Fwd PE | 10.98 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, HVT is valued a bit cheaper than the industry average as 79.67% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, HVT is valued cheaply inside the industry as 86.99% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.87 | ||
| EV/EBITDA | 5.95 |
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 39.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)120.06
EPS Next 2Y35.34%
EPS Next 3Y39.77%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.56%, HVT is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.01, HVT pays a better dividend. On top of this HVT pays more dividend than 93.50% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, HVT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.56% |
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
5.3 Sustainability
HVT pays out 106.78% of its income as dividend. 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%
NYSE:HVT (12/29/2025, 10:55:13 AM)
23.725
-0.37 (-1.56%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners85.82%
Inst Owner Change-0.32%
Ins Owners10.52%
Ins Owner Change-3.55%
Market Cap386.01M
Revenue(TTM)741.43M
Net Income(TTM)19.39M
Analysts80
Price Target30.6 (28.98%)
Short Float %4.99%
Short Ratio5.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.56% |
Yearly Dividend1.27
Dividend Growth(5Y)10.67%
DP106.78%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)3.56%
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)1.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.45 | ||
| Fwd PE | 10.98 | ||
| P/S | 0.52 | ||
| P/FCF | 9.87 | ||
| P/OCF | 6.21 | ||
| P/B | 1.26 | ||
| P/tB | 1.26 | ||
| EV/EBITDA | 5.95 |
EPS(TTM)1.16
EY4.89%
EPS(NY)2.16
Fwd EY9.11%
FCF(TTM)2.4
FCFY10.13%
OCF(TTM)3.82
OCFY16.12%
SpS45.57
BVpS18.81
TBVpS18.81
PEG (NY)N/A
PEG (5Y)120.06
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 | 3.01 |
F-Score7
WACC9.61%
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.
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 7 / 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 20.45 and the Price/Book (PB) ratio is 1.26.
Can you provide the financial health for HVT stock?
The financial health rating of HAVERTY FURNITURE (HVT) is 7 / 10.