WallStSmart

Haverty Furniture Companies Inc (HVT)vsUxin Ltd (UXIN)

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Smart Verdict

WallStSmart Research — data-driven comparison

Uxin Ltd generates 451% more annual revenue ($4.30B vs $780.39M). HVT leads profitability with a 2.9% profit margin vs -10.0%. 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

UXIN

Avoid

31

out of 100

Grade: F

Growth: 7.3Profit: 2.0Value: 6.7Quality: 5.0
Piotroski: 4/9Altman Z: -10.38
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
UXINUndervalued (+69.6%)

Margin of Safety

+69.6%

Fair Value

$11.22

Current Price

$0.94

$10.28 discount

UndervaluedFair: $11.22Overvalued

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

UXIN2 strengths · Avg: 10.0/10
Revenue GrowthGrowth
74.9%10/10

Revenue surging 74.9% year-over-year

Debt/EquityHealth
-4.8110/10

Conservative balance sheet, low leverage

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%

UXIN4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$199.72M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-93.6%2/10

ROE of -93.6% — below average capital efficiency

Altman Z-ScoreHealth
-10.382/10

Distress zone — elevated risk

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 : UXIN

The strongest argument for UXIN centers on Revenue Growth, Debt/Equity. Revenue growth of 74.9% 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 : UXIN

The primary concerns for UXIN are EPS Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

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

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

UXIN is growing revenue faster at 74.9% — sustainability is the question.

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

Bottom Line

HVT scores higher overall (64/100 vs 31/100). UXIN offers better value entry with a 69.6% margin of safety. 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.

Uxin Ltd

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · China

Uxin Limited, an investment holding company, operates a used car e-commerce platform in China. The company is headquartered in Beijing, China.

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