WallStSmart

Haverty Furniture Companies Inc (HVT-A)vsPenn National Gaming Inc (PENN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Penn National Gaming Inc generates 822% more annual revenue ($7.07B vs $766.48M). HVT-A leads profitability with a 2.6% profit margin vs -13.5%. PENN appears more attractively valued with a PEG of 1.01. PENN earns a higher WallStSmart Score of 59/100 (C).

HVT-A

Hold

50

out of 100

Grade: D+

Growth: 4.0Profit: 4.0Value: 7.3Quality: 6.5
Piotroski: 4/9Altman Z: 2.96

PENN

Buy

59

out of 100

Grade: C

Growth: 6.7Profit: 3.5Value: 7.0Quality: 2.5
Piotroski: 3/9Altman Z: 0.31
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Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVT-AUndervalued (+59.0%)

Margin of Safety

+59.0%

Fair Value

$71.07

Current Price

$28.09

$42.98 discount

UndervaluedFair: $71.07Overvalued
PENNUndervalued (+79.5%)

Margin of Safety

+79.5%

Fair Value

$65.22

Current Price

$21.09

$44.13 discount

UndervaluedFair: $65.22Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT-A1 strengths · Avg: 10.0/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

PENN2 strengths · Avg: 10.0/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
208.9%10/10

Earnings expanding 208.9% YoY

Areas to Watch

HVT-A4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
4.1%4/10

4.1% revenue growth

Market CapQuality
$490.10M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
2.9%3/10

ROE of 2.9% — below average capital efficiency

Profit MarginProfitability
2.6%3/10

2.6% margin — thin

PENN4 concerns · Avg: 2.0/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-40.1%2/10

ROE of -40.1% — below average capital efficiency

Altman Z-ScoreHealth
0.312/10

Distress zone — elevated risk

Profit MarginProfitability
-13.5%1/10

Currently unprofitable

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT-A

The strongest argument for HVT-A centers on Price/Book. PEG of 1.47 suggests the stock is reasonably priced for its growth.

Bull Case : PENN

The strongest argument for PENN centers on Price/Book, EPS Growth. PEG of 1.01 suggests the stock is reasonably priced for its growth.

Bear Case : HVT-A

The primary concerns for HVT-A are Revenue Growth, Market Cap, Return on Equity. Thin 2.6% margins leave little buffer for downturns.

Bear Case : PENN

The primary concerns for PENN are Piotroski F-Score, Return on Equity, Altman Z-Score. Debt-to-equity of 4.52 is elevated, increasing financial risk.

Key Dynamics to Monitor

HVT-A profiles as a value stock while PENN is a turnaround play — different risk/reward profiles.

PENN carries more volatility with a beta of 1.45 — expect wider price swings.

PENN is growing revenue faster at 6.4% — sustainability is the question.

PENN generates stronger free cash flow (28M), providing more financial flexibility.

Bottom Line

PENN scores higher overall (59/100 vs 50/100). HVT-A offers better value entry with a 59.0% margin of safety. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Haverty Furniture Companies Inc

CONSUMER CYCLICAL · HOME IMPROVEMENT RETAIL · USA

Haverty Furniture Companies, Inc. is a specialty retailer of residential furniture and accessories in the United States. The company is headquartered in Atlanta, Georgia.

Penn National Gaming Inc

CONSUMER CYCLICAL · RESORTS & CASINOS · USA

Penn National Gaming, Inc. is an American operator of casinos and racetracks, based in Wyomissing, Pennsylvania.

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