WallStSmart

Haverty Furniture Companies Inc (HVT)vsTillys Inc (TLYS)

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Smart Verdict

WallStSmart Research — data-driven comparison

Haverty Furniture Companies Inc generates 34% more annual revenue ($780.39M vs $582.94M). HVT leads profitability with a 2.9% profit margin vs 0.3%. HVT appears more attractively valued with a PEG of 0.76. 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

TLYS

Buy

61

out of 100

Grade: C+

Growth: 6.0Profit: 4.0Value: 5.0Quality: 4.5
Piotroski: 4/9Altman Z: 1.49
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVTSignificantly Overvalued (-46.9%)

Margin of Safety

-46.9%

Fair Value

$17.93

Current Price

$28.33

$10.40 premium

UndervaluedFair: $17.93Overvalued

Intrinsic value data unavailable for TLYS.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT3 strengths · Avg: 8.7/10
EPS GrowthGrowth
100.0%10/10

Earnings expanding 100.0% YoY

PEG RatioValuation
0.768/10

Growing faster than its price suggests

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

TLYS3 strengths · Avg: 8.7/10
EPS GrowthGrowth
170.0%10/10

Earnings expanding 170.0% YoY

PEG RatioValuation
0.888/10

Growing faster than its price suggests

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

Areas to Watch

HVT4 concerns · Avg: 3.0/10
Market CapQuality
$465.94M3/10

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%

TLYS4 concerns · Avg: 2.8/10
Market CapQuality
$129.38M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.3%3/10

0.3% margin — thin

Debt/EquityHealth
1.953/10

Elevated debt levels

P/E RatioValuation
70.5x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT

The strongest argument for HVT centers on EPS Growth, PEG Ratio, Price/Book. PEG of 0.76 suggests the stock is reasonably priced for its growth.

Bull Case : TLYS

The strongest argument for TLYS centers on EPS Growth, PEG Ratio, Price/Book. PEG of 0.88 suggests the stock is reasonably priced for its growth.

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 : TLYS

The primary concerns for TLYS are Market Cap, Profit Margin, Debt/Equity. A P/E of 70.5x leaves little room for execution misses. Debt-to-equity of 1.95 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

TLYS is growing revenue faster at 8.1% — sustainability is the question.

TLYS generates stronger free cash flow (21M), providing more financial flexibility.

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

Bottom Line

HVT scores higher overall (64/100 vs 61/100). 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.

Tillys Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

Tilly's, Inc. is a specialty retailer of casual clothing, footwear, accessories and consumer goods for young men and women and boys and girls in the United States. The company is headquartered in Irvine, California.

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