WallStSmart

Haverty Furniture Companies Inc (HVT)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 leads profitability with a 2.9% profit margin vs 0.9%. HVT earns a higher WallStSmart Score of 64/100 (C+).

HVT

Buy

64

out of 100

Grade: C+

Growth: 6.0Profit: 4.0Value: 5.3Quality: 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

HVTSignificantly Overvalued (-53.0%)

Margin of Safety

-53.0%

Fair Value

$17.21

Current Price

$28.27

$11.06 premium

UndervaluedFair: $17.21Overvalued

Intrinsic value data unavailable for PTRN.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT3 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
0.768/10

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

HVT4 concerns · Avg: 3.0/10
Market CapQuality
$447.93M3/10

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

The strongest argument for HVT centers on Price/Book, EPS Growth, PEG Ratio. PEG of 0.76 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

The primary concerns for HVT 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 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 generates stronger free cash flow (18M), providing more financial flexibility.

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

Bottom Line

HVT scores higher overall (64/100 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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