WallStSmart

Haverty Furniture Companies Inc (HVT-A)vsThe TJX Companies Inc (TJX)

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Smart Verdict

WallStSmart Research — data-driven comparison

The TJX Companies Inc generates 7891% more annual revenue ($62.36B vs $780.39M). TJX leads profitability with a 9.7% profit margin vs 2.9%. HVT-A appears more attractively valued with a PEG of 0.78. 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

TJX

Buy

58

out of 100

Grade: C

Growth: 6.7Profit: 7.5Value: 4.7Quality: 6.0
Piotroski: 5/9Altman Z: 3.03
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVT-AUndervalued (+63.5%)

Margin of Safety

+63.5%

Fair Value

$79.92

Current Price

$27.36

$52.56 discount

UndervaluedFair: $79.92Overvalued
TJXUndervalued (+1.3%)

Margin of Safety

+1.3%

Fair Value

$140.66

Current Price

$141.93

$1.27 discount

UndervaluedFair: $140.66Overvalued

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
0.788/10

Growing faster than its price suggests

TJX5 strengths · Avg: 9.0/10
Return on EquityProfitability
57.0%10/10

Every $100 of equity generates 57 in profit

Altman Z-ScoreHealth
3.0310/10

Safe zone — low bankruptcy risk

Market CapQuality
$150.73B9/10

Large-cap with strong market position

EPS GrowthGrowth
23.6%8/10

Earnings expanding 23.6% YoY

Free Cash FlowQuality
$1.73B8/10

Generating 1.7B in free cash flow

Areas to Watch

HVT-A4 concerns · Avg: 3.0/10
Market CapQuality
$426.64M3/10

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%

TJX3 concerns · Avg: 3.0/10
Price/BookValuation
15.1x4/10

Trading at 15.1x book value

Debt/EquityHealth
1.343/10

Elevated debt levels

PEG RatioValuation
2.572/10

Expensive relative to growth rate

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 0.78 suggests the stock is reasonably priced for its growth.

Bull Case : TJX

The strongest argument for TJX centers on Return on Equity, Altman Z-Score, Market Cap.

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 : TJX

The primary concerns for TJX are Price/Book, Debt/Equity, PEG Ratio.

Key Dynamics to Monitor

HVT-A carries more volatility with a beta of 1.19 — expect wider price swings.

HVT-A is growing revenue faster at 7.7% — sustainability is the question.

TJX generates stronger free cash flow (1.7B), 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 58/100). Both earn "Buy" and "Buy" 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.

The TJX Companies Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

The TJX Companies, Inc. (abbreviated TJX) is an American multinational off-price department store corporation, headquartered in Framingham, Massachusetts.

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