WallStSmart

Haverty Furniture Companies Inc (HVT)vsUrban Outfitters Inc (URBN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Urban Outfitters Inc generates 712% more annual revenue ($6.17B vs $759.00M). URBN leads profitability with a 7.5% profit margin vs 2.6%. HVT appears more attractively valued with a PEG of 0.88. URBN earns a higher WallStSmart Score of 57/100 (C).

HVT

Buy

56

out of 100

Grade: C

Growth: 4.0Profit: 4.0Value: 7.3Quality: 5.0

URBN

Buy

57

out of 100

Grade: C

Growth: 4.7Profit: 6.0Value: 7.3Quality: 6.8
Piotroski: 5/9Altman Z: 3.41
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVTUndervalued (+1.9%)

Margin of Safety

+1.9%

Fair Value

$26.83

Current Price

$20.25

$6.58 discount

UndervaluedFair: $26.83Overvalued
URBNUndervalued (+17.3%)

Margin of Safety

+17.3%

Fair Value

$85.30

Current Price

$71.62

$13.68 discount

UndervaluedFair: $85.30Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT3 strengths · Avg: 8.7/10
Price/BookValuation
1.1x10/10

Reasonable price relative to book value

PEG RatioValuation
0.888/10

Growing faster than its price suggests

P/E RatioValuation
16.6x8/10

Attractively priced relative to earnings

URBN3 strengths · Avg: 8.7/10
Altman Z-ScoreHealth
3.4110/10

Safe zone — low bankruptcy risk

P/E RatioValuation
13.6x8/10

Attractively priced relative to earnings

Price/BookValuation
2.3x8/10

Reasonable price relative to book value

Areas to Watch

HVT4 concerns · Avg: 3.3/10
EPS GrowthGrowth
3.8%4/10

3.8% earnings growth

Market CapQuality
$327.76M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.4%3/10

ROE of 6.4% — below average capital efficiency

Profit MarginProfitability
2.6%3/10

2.6% margin — thin

URBN2 concerns · Avg: 2.5/10
Profit MarginProfitability
7.5%3/10

7.5% margin — thin

EPS GrowthGrowth
-17.5%2/10

Earnings declined 17.5%

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT

The strongest argument for HVT centers on Price/Book, PEG Ratio, P/E Ratio. PEG of 0.88 suggests the stock is reasonably priced for its growth.

Bull Case : URBN

The strongest argument for URBN centers on Altman Z-Score, P/E Ratio, Price/Book. Revenue growth of 10.1% demonstrates continued momentum. PEG of 1.20 suggests the stock is reasonably priced for its growth.

Bear Case : HVT

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

Bear Case : URBN

The primary concerns for URBN are Profit Margin, EPS Growth.

Key Dynamics to Monitor

URBN carries more volatility with a beta of 1.20 — expect wider price swings.

URBN is growing revenue faster at 10.1% — sustainability is the question.

URBN generates stronger free cash flow (217M), providing more financial flexibility.

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

Bottom Line

URBN scores higher overall (57/100 vs 56/100) and 10.1% revenue growth. 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.

Urban Outfitters Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

Urban Outfitters, Inc. is engaged in the retail and wholesale of general consumer products. The company is headquartered in Philadelphia, Pennsylvania.

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