WallStSmart

Haverty Furniture Companies Inc (HVT-A)vsXpel Inc (XPEL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Haverty Furniture Companies Inc generates 57% more annual revenue ($766.48M vs $489.75M). XPEL leads profitability with a 10.8% profit margin vs 2.6%. HVT-A trades at a lower P/E of 19.7x. XPEL earns a higher WallStSmart Score of 55/100 (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

XPEL

Buy

55

out of 100

Grade: C-

Growth: 7.3Profit: 7.0Value: 5.0Quality: 8.5
Piotroski: 2/9Altman Z: 4.81
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVT-AUndervalued (+58.2%)

Margin of Safety

+58.2%

Fair Value

$69.69

Current Price

$24.01

$45.68 discount

UndervaluedFair: $69.69Overvalued
XPELOvervalued (-11.4%)

Margin of Safety

-11.4%

Fair Value

$49.32

Current Price

$44.56

$4.76 premium

UndervaluedFair: $49.32Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT-A1 strengths · Avg: 10.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

XPEL2 strengths · Avg: 10.0/10
Debt/EquityHealth
0.0710/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.8110/10

Safe zone — low bankruptcy risk

Areas to Watch

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

4.1% revenue growth

Market CapQuality
$386.45M3/10

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

XPEL3 concerns · Avg: 2.7/10
Market CapQuality
$1.26B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Free Cash FlowQuality
$-2.34M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT-A

The strongest argument for HVT-A centers on Price/Book. PEG of 1.16 suggests the stock is reasonably priced for its growth.

Bull Case : XPEL

The strongest argument for XPEL centers on Debt/Equity, Altman Z-Score. Revenue growth of 13.1% demonstrates continued momentum.

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 : XPEL

The primary concerns for XPEL are Market Cap, Piotroski F-Score, Free Cash Flow.

Key Dynamics to Monitor

HVT-A carries more volatility with a beta of 1.17 — expect wider price swings.

XPEL is growing revenue faster at 13.1% — sustainability is the question.

XPEL generates stronger free cash flow (-2M), providing more financial flexibility.

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

Bottom Line

XPEL scores higher overall (55/100 vs 50/100) and 13.1% revenue growth. HVT-A offers better value entry with a 58.2% 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.

Xpel Inc

CONSUMER CYCLICAL · AUTO PARTS · USA

XPEL, Inc. manufactures, sells, distributes, and installs aftermarket automotive products in the United States, China, Canada, Continental Europe, the United Kingdom, Asia Pacific, Latin America, the Middle East / Africa, and internationally. The company is headquartered in San Antonio, Texas.

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