WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Lithia Motors Inc generates 4761% more annual revenue ($37.94B vs $780.39M). HVT-A leads profitability with a 2.9% profit margin vs 1.9%. LAD appears more attractively valued with a PEG of 0.72. LAD earns a higher WallStSmart Score of 61/100 (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

LAD

Buy

61

out of 100

Grade: C+

Growth: 6.7Profit: 5.0Value: 7.3Quality: 4.5
Piotroski: 2/9Altman Z: 2.38
IV

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
LADUndervalued (+12.0%)

Margin of Safety

+12.0%

Fair Value

$364.07

Current Price

$358.02

$6.05 discount

UndervaluedFair: $364.07Overvalued

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

LAD3 strengths · Avg: 8.7/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

PEG RatioValuation
0.728/10

Growing faster than its price suggests

P/E RatioValuation
12.2x8/10

Attractively priced relative to earnings

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%

LAD4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
2.2%4/10

2.2% revenue growth

Profit MarginProfitability
1.9%3/10

1.9% margin — thin

Operating MarginProfitability
4.6%3/10

Operating margin of 4.6%

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

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 : LAD

The strongest argument for LAD centers on Price/Book, PEG Ratio, P/E Ratio. PEG of 0.72 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 : LAD

The primary concerns for LAD are Revenue Growth, Profit Margin, Operating Margin. Debt-to-equity of 2.58 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 1.23 — expect wider price swings.

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

HVT-A generates stronger free cash flow (18M), providing more financial flexibility.

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

Bottom Line

LAD scores higher overall (61/100 vs 57/100). HVT-A offers better value entry with a 62.4% margin of safety. 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.

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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