HAVERTY FURNITURE (HVT) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HVT - US4195961010 - Common Stock
23.13 USD
-0.05 (-0.22%)
We assign a fundamental rating of 6 out of 10 to HVT. HVT was compared to 122 industry peers in the Specialty Retail industry. Both the health and profitability get an excellent rating, making HVT a very profitable company, without any liquidiy or solvency issues. HVT has a decent growth rate and is not valued too expensively. Finally 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
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.
In the past 5 years HVT always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of HVT (2.98%) is better than 60.66% of its industry peers.
With a decent Return On Equity value of 6.34%, HVT is doing good in the industry, outperforming 62.30% of the companies in the same industry.
HVT has a Return On Invested Capital (3.07%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for HVT is in line with the industry average of 11.80%.
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 68.03% of the companies in the same industry.
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 (2.74%) which is in line with its industry peers.
HVT's Operating Margin has declined in the last couple of years.
With an excellent Gross Margin value of 61.05%, HVT belongs to the best of the industry, outperforming 90.98% of the companies in the same industry.
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.
Compared to 1 year ago, HVT has more shares outstanding
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.
2.2 Solvency
HVT has an Altman-Z score of 2.98. 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 2.98. This is in the better half of the industry: HVT outperforms 72.13% 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 | 2.98 |
ROIC/WACC0.33
WACC9.33%
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.
The Current ratio of HVT (1.75) is better than 76.23% 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 79.51% 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.
The Earnings Per Share has been growing slightly by 0.17% on average over the past years.
Looking at the last year, HVT shows a decrease in Revenue. The Revenue has decreased by -1.05% in the last 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.
The Revenue is expected to grow by 7.19% on average over the next years.
EPS Next Y-3.71%
EPS Next 2Y34.55%
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
With a Price/Earnings ratio of 19.94, HVT is valued on the expensive side.
HVT's Price/Earnings ratio is a bit cheaper when compared to the industry. HVT is cheaper than 69.67% of the companies in the same industry.
HVT is valuated rather cheaply when we compare the Price/Earnings ratio to 25.65, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 10.83, the valuation of HVT can be described as reasonable.
Based on the Price/Forward Earnings ratio, HVT is valued a bit cheaper than the industry average as 77.87% of the companies are valued more expensively.
HVT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.94 | ||
| Fwd PE | 10.83 |
4.2 Price Multiples
HVT's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. HVT is cheaper than 79.51% of the companies in the same industry.
87.70% 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 | 9.62 | ||
| EV/EBITDA | 5.59 |
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 39.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)117.05
EPS Next 2Y34.55%
EPS Next 3Y39.77%
5. Dividend
5.1 Amount
HVT has a Yearly Dividend Yield of 5.91%, which is a nice return.
Compared to an average industry Dividend Yield of 6.07, HVT pays a better dividend. On top of this HVT pays more dividend than 94.26% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, HVT pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.91% |
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 2Y34.55%
EPS Next 3Y39.77%
NYSE:HVT (11/24/2025, 8:04:00 PM)
23.13
-0.05 (-0.22%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Discretionary Distribution & Retail
GICS IndustrySpecialty Retail
Earnings (Last)
Earnings (Next)
Inst Owners86.24%
Inst Owner Change-0.32%
Ins Owners10.52%
Ins Owner Change-7.11%
Market Cap376.33M
Revenue(TTM)741.43M
Net Income(TTM)19.39M
Analysts80
Price Target30.6 (32.3%)
Short Float %5.12%
Short Ratio6.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.91% |
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)3.45%
PT rev (3m)3.45%
EPS NQ rev (1m)-1%
EPS NQ rev (3m)6.45%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.32%
Revenue NQ rev (1m)0.78%
Revenue NQ rev (3m)0.78%
Revenue NY rev (1m)1.74%
Revenue NY rev (3m)1.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.94 | ||
| Fwd PE | 10.83 | ||
| P/S | 0.51 | ||
| P/FCF | 9.62 | ||
| P/OCF | 6.05 | ||
| P/B | 1.23 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | 5.59 |
EPS(TTM)1.16
EY5.02%
EPS(NY)2.14
Fwd EY9.24%
FCF(TTM)2.4
FCFY10.4%
OCF(TTM)3.82
OCFY16.53%
SpS45.57
BVpS18.81
TBVpS18.81
PEG (NY)N/A
PEG (5Y)117.05
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 | 2.98 |
F-Score7
WACC9.33%
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 2Y34.55%
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 19.94 and the Price/Book (PB) ratio is 1.23.
Can you provide the financial health for HVT stock?
The financial health rating of HAVERTY FURNITURE (HVT) is 7 / 10.