WallStSmart

Haverty Furniture Companies Inc (HVT)vsXpel Inc (XPEL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Haverty Furniture Companies Inc generates 54% more annual revenue ($780.39M vs $508.09M). XPEL leads profitability with a 10.8% profit margin vs 2.9%. HVT trades at a lower P/E of 19.6x. 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

XPEL

Buy

55

out of 100

Grade: C-

Growth: 6.7Profit: 7.5Value: 5.0Quality: 8.0
Piotroski: 2/9Altman Z: 4.81
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVTSignificantly Overvalued (-47.8%)

Margin of Safety

-47.8%

Fair Value

$17.81

Current Price

$27.60

$9.79 premium

UndervaluedFair: $17.81Overvalued
XPELOvervalued (-8.0%)

Margin of Safety

-8.0%

Fair Value

$50.90

Current Price

$47.20

$3.70 premium

UndervaluedFair: $50.90Overvalued

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
0.758/10

Growing faster than its price suggests

XPEL2 strengths · Avg: 9.5/10
Altman Z-ScoreHealth
4.8110/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.219/10

Conservative balance sheet, low leverage

Areas to Watch

HVT4 concerns · Avg: 3.0/10
Market CapQuality
$435.06M3/10

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%

XPEL3 concerns · Avg: 2.7/10
Market CapQuality
$1.35B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Free Cash FlowQuality
$-34.32M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT

The strongest argument for HVT centers on Price/Book, EPS Growth, PEG Ratio. PEG of 0.75 suggests the stock is reasonably priced for its growth.

Bull Case : XPEL

The strongest argument for XPEL centers on Altman Z-Score, Debt/Equity. Revenue growth of 14.7% 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 : XPEL

The primary concerns for XPEL are Market Cap, Piotroski F-Score, Free Cash Flow.

Key Dynamics to Monitor

HVT carries more volatility with a beta of 1.18 — expect wider price swings.

XPEL is growing revenue faster at 14.7% — 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 55/100). 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.

Xpel Inc

CONSUMER CYCLICAL · AUTO PARTS · USA

XPEL, Inc. manufactures, sells, distributes, and installs aftermarket automotive products in the United States, China, Canada, Continental Europe, the United Kingdom, Asia Pacific, Latin America, the Middle East / Africa, and internationally. The company is headquartered in San Antonio, Texas.

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