WallStSmart

Haverty Furniture Companies Inc (HVT)vsJumia Technologies AG (JMIA)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Haverty Furniture Companies Inc generates 277% more annual revenue ($766.48M vs $203.23M). HVT leads profitability with a 2.6% profit margin vs -30.8%. HVT earns a higher WallStSmart Score of 56/100 (C).

HVT

Buy

56

out of 100

Grade: C

Growth: 4.0Profit: 4.0Value: 4.7Quality: 6.5
Piotroski: 4/9Altman Z: 2.96

JMIA

Avoid

30

out of 100

Grade: F

Growth: 5.3Profit: 2.0Value: 4.0Quality: 4.5
Piotroski: 4/9Altman Z: -23.03
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVTSignificantly Overvalued (-56.9%)

Margin of Safety

-56.9%

Fair Value

$16.78

Current Price

$29.09

$12.31 premium

UndervaluedFair: $16.78Overvalued
JMIASignificantly Overvalued (-28.8%)

Margin of Safety

-28.8%

Fair Value

$7.60

Current Price

$6.19

$1.41 premium

UndervaluedFair: $7.60Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT1 strengths · Avg: 8.0/10
Price/BookValuation
1.5x8/10

Reasonable price relative to book value

JMIA1 strengths · Avg: 10.0/10
Revenue GrowthGrowth
39.4%10/10

Revenue surging 39.4% year-over-year

Areas to Watch

HVT4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
4.1%4/10

4.1% revenue growth

Market CapQuality
$400.94M3/10

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

JMIA4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$736.92M3/10

Smaller company, higher risk/reward

Price/BookValuation
56.3x2/10

Trading at 56.3x book value

Return on EquityProfitability
-478.5%2/10

ROE of -478.5% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT

The strongest argument for HVT centers on Price/Book. PEG of 1.20 suggests the stock is reasonably priced for its growth.

Bull Case : JMIA

The strongest argument for JMIA centers on Revenue Growth. Revenue growth of 39.4% demonstrates continued momentum.

Bear Case : HVT

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

Bear Case : JMIA

The primary concerns for JMIA are EPS Growth, Market Cap, Price/Book.

Key Dynamics to Monitor

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

JMIA carries more volatility with a beta of 2.42 — expect wider price swings.

JMIA is growing revenue faster at 39.4% — sustainability is the question.

HVT generates stronger free cash flow (-10M), providing more financial flexibility.

Bottom Line

HVT scores higher overall (56/100 vs 30/100). Both earn "Buy" and "Avoid" 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.

Jumia Technologies AG

CONSUMER CYCLICAL · INTERNET RETAIL · USA

Jumia Technologies AG operates an e-commerce platform in Africa, Portugal, Germany and the United Arab Emirates. The company is headquartered in Berlin, Germany.

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