WallStSmart

Haverty Furniture Companies Inc (HVT-A)vsPattern Group Inc. Series A Common Stock (PTRN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Pattern Group Inc. Series A Common Stock generates 286% more annual revenue ($3.01B vs $780.39M). HVT-A leads profitability with a 2.9% profit margin vs 0.9%. HVT-A earns a higher WallStSmart Score of 59/100 (C).

HVT-A

Buy

59

out of 100

Grade: C

Growth: 6.0Profit: 4.0Value: 8.0Quality: 6.5
Piotroski: 4/9Altman Z: 2.96

PTRN

Hold

36

out of 100

Grade: F

Growth: 7.3Profit: 3.5Value: 5.0Quality: 8.0
Piotroski: 2/9Altman Z: 4.20
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVT-AUndervalued (+63.0%)

Margin of Safety

+63.0%

Fair Value

$78.76

Current Price

$28.09

$50.67 discount

UndervaluedFair: $78.76Overvalued

Intrinsic value data unavailable for PTRN.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT-A3 strengths · Avg: 9.3/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
100.0%10/10

Earnings expanding 100.0% YoY

PEG RatioValuation
0.798/10

Growing faster than its price suggests

PTRN3 strengths · Avg: 10.0/10
Revenue GrowthGrowth
46.6%10/10

Revenue surging 46.6% year-over-year

Debt/EquityHealth
0.0810/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.2010/10

Safe zone — low bankruptcy risk

Areas to Watch

HVT-A4 concerns · Avg: 3.0/10
Market CapQuality
$454.55M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.0%3/10

ROE of 4.0% — below average capital efficiency

Profit MarginProfitability
2.9%3/10

2.9% margin — thin

Operating MarginProfitability
3.4%3/10

Operating margin of 3.4%

PTRN4 concerns · Avg: 2.8/10
Profit MarginProfitability
0.9%3/10

0.9% margin — thin

Operating MarginProfitability
4.0%3/10

Operating margin of 4.0%

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Return on EquityProfitability
-23.2%2/10

ROE of -23.2% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT-A

The strongest argument for HVT-A centers on Price/Book, EPS Growth, PEG Ratio. PEG of 0.79 suggests the stock is reasonably priced for its growth.

Bull Case : PTRN

The strongest argument for PTRN centers on Revenue Growth, Debt/Equity, Altman Z-Score. Revenue growth of 46.6% demonstrates continued momentum.

Bear Case : HVT-A

The primary concerns for HVT-A are Market Cap, Return on Equity, Profit Margin. Thin 2.9% margins leave little buffer for downturns.

Bear Case : PTRN

The primary concerns for PTRN are Profit Margin, Operating Margin, Piotroski F-Score. Thin 0.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

PTRN is growing revenue faster at 46.6% — sustainability is the question.

HVT-A generates stronger free cash flow (18M), providing more financial flexibility.

Monitor HOME IMPROVEMENT RETAIL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

HVT-A scores higher overall (59/100 vs 36/100). 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.

Pattern Group Inc. Series A Common Stock

CONSUMER CYCLICAL · INTERNET RETAIL · USA

Pattern Group Inc. operates online marketplaces that sell various consumer products. The company is headquartered in Lehi, Utah.

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