WallStSmart

Haverty Furniture Companies Inc (HVT-A)vsLithia Motors Inc (LAD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lithia Motors Inc generates 4822% more annual revenue ($37.73B vs $766.48M). HVT-A leads profitability with a 2.6% profit margin vs 1.9%. LAD appears more attractively valued with a PEG of 0.64. LAD earns a higher WallStSmart Score of 55/100 (C).

HVT-A

Hold

50

out of 100

Grade: D+

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

LAD

Buy

55

out of 100

Grade: C

Growth: 4.7Profit: 5.0Value: 8.0Quality: 4.5
Piotroski: 2/9Altman Z: 2.38
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVT-AUndervalued (+57.5%)

Margin of Safety

+57.5%

Fair Value

$68.67

Current Price

$24.01

$44.66 discount

UndervaluedFair: $68.67Overvalued
LADUndervalued (+8.7%)

Margin of Safety

+8.7%

Fair Value

$350.78

Current Price

$288.84

$61.94 discount

UndervaluedFair: $350.78Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT-A1 strengths · Avg: 10.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

LAD3 strengths · Avg: 9.3/10
P/E RatioValuation
10.2x10/10

Attractively priced relative to earnings

Price/BookValuation
1.0x10/10

Reasonable price relative to book value

PEG RatioValuation
0.648/10

Growing faster than its price suggests

Areas to Watch

HVT-A4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
4.1%4/10

4.1% revenue growth

Market CapQuality
$386.45M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
2.9%3/10

ROE of 2.9% — below average capital efficiency

Profit MarginProfitability
2.6%3/10

2.6% margin — thin

LAD4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
1.0%4/10

1.0% revenue growth

Profit MarginProfitability
1.9%3/10

1.9% margin — thin

Operating MarginProfitability
3.6%3/10

Operating margin of 3.6%

Debt/EquityHealth
1.513/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT-A

The strongest argument for HVT-A centers on Price/Book. PEG of 1.16 suggests the stock is reasonably priced for its growth.

Bull Case : LAD

The strongest argument for LAD centers on P/E Ratio, Price/Book, PEG Ratio. PEG of 0.64 suggests the stock is reasonably priced for its growth.

Bear Case : HVT-A

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

Bear Case : LAD

The primary concerns for LAD are Revenue Growth, Profit Margin, Operating Margin. Debt-to-equity of 1.51 is elevated, increasing financial risk. Thin 1.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

LAD carries more volatility with a beta of 1.28 — expect wider price swings.

HVT-A is growing revenue faster at 4.1% — sustainability is the question.

HVT-A generates stronger free cash flow (-10M), providing more financial flexibility.

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

Bottom Line

LAD scores higher overall (55/100 vs 50/100). HVT-A offers better value entry with a 57.5% margin of safety. Both earn "Buy" and "Hold" 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.

Lithia Motors Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Lithia Motors, Inc. is an automobile retailer in the United States. The company is headquartered in Medford, Oregon.

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