WallStSmart

Haverty Furniture Companies Inc (HVT-A)vsJ.Jill Inc (JILL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Haverty Furniture Companies Inc generates 33% more annual revenue ($780.39M vs $587.35M). JILL leads profitability with a 3.6% profit margin vs 2.9%. JILL appears more attractively valued with a PEG of 0.63. HVT-A earns a higher WallStSmart Score of 57/100 (C).

HVT-A

Buy

57

out of 100

Grade: C

Growth: 6.0Profit: 4.0Value: 7.3Quality: 6.5
Piotroski: 4/9Altman Z: 2.96

JILL

Buy

51

out of 100

Grade: C-

Growth: 2.0Profit: 6.0Value: 6.0Quality: 4.5
Piotroski: 2/9Altman Z: 1.60
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Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVT-AUndervalued (+62.4%)

Margin of Safety

+62.4%

Fair Value

$77.52

Current Price

$28.61

$48.91 discount

UndervaluedFair: $77.52Overvalued
JILLSignificantly Overvalued (-57.4%)

Margin of Safety

-57.4%

Fair Value

$10.33

Current Price

$24.08

$13.75 premium

UndervaluedFair: $10.33Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT-A2 strengths · Avg: 9.0/10
EPS GrowthGrowth
100.0%10/10

Earnings expanding 100.0% YoY

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

JILL4 strengths · Avg: 8.3/10
Return on EquityProfitability
23.0%9/10

Every $100 of equity generates 23 in profit

PEG RatioValuation
0.638/10

Growing faster than its price suggests

P/E RatioValuation
14.0x8/10

Attractively priced relative to earnings

Price/BookValuation
2.9x8/10

Reasonable price relative to book value

Areas to Watch

HVT-A4 concerns · Avg: 3.0/10
Market CapQuality
$482.38M3/10

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%

JILL4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.604/10

Distress zone — elevated risk

Market CapQuality
$286.62M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
3.6%3/10

3.6% margin — thin

Debt/EquityHealth
1.063/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT-A

The strongest argument for HVT-A centers on EPS Growth, Price/Book. PEG of 1.37 suggests the stock is reasonably priced for its growth.

Bull Case : JILL

The strongest argument for JILL centers on Return on Equity, PEG Ratio, P/E Ratio. PEG of 0.63 suggests the stock is reasonably priced for its growth.

Bear Case : HVT-A

The primary concerns for HVT-A are Market Cap, Return on Equity, Profit Margin. Thin 2.9% margins leave little buffer for downturns.

Bear Case : JILL

The primary concerns for JILL are Altman Z-Score, Market Cap, Profit Margin. Thin 3.6% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

HVT-A is growing revenue faster at 7.7% — sustainability is the question.

JILL generates stronger free cash flow (46M), providing more financial flexibility.

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

Bottom Line

HVT-A scores higher overall (57/100 vs 51/100). 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.

J.Jill Inc

CONSUMER CYCLICAL · APPAREL RETAIL · USA

J.Jill, Inc. is an omnichannel womenswear retailer under the J.Jill brand in the United States. The company is headquartered in Quincy, Massachusetts.

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