WallStSmart

Haverty Furniture Companies Inc (HVT-A)vsLife Time Group Holdings Inc (LTH)

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Smart Verdict

WallStSmart Research — data-driven comparison

Life Time Group Holdings Inc generates 308% more annual revenue ($3.18B vs $780.39M). LTH leads profitability with a 13.0% profit margin vs 2.9%. HVT-A trades at a lower P/E of 21.2x. LTH earns a higher WallStSmart Score of 61/100 (C+).

HVT-A

Buy

59

out of 100

Grade: C

Growth: 6.0Profit: 4.0Value: 8.0Quality: 6.5
Piotroski: 4/9Altman Z: 2.96

LTH

Buy

61

out of 100

Grade: C+

Growth: 8.0Profit: 6.5Value: 4.3Quality: 3.5
Piotroski: 5/9Altman Z: 0.82
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVT-AUndervalued (+64.5%)

Margin of Safety

+64.5%

Fair Value

$82.13

Current Price

$29.00

$53.13 discount

UndervaluedFair: $82.13Overvalued
LTHSignificantly Overvalued (-89.9%)

Margin of Safety

-89.9%

Fair Value

$22.08

Current Price

$45.34

$23.26 premium

UndervaluedFair: $22.08Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT-A3 strengths · Avg: 8.7/10
EPS GrowthGrowth
100.0%10/10

Earnings expanding 100.0% YoY

PEG RatioValuation
0.788/10

Growing faster than its price suggests

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

LTH1 strengths · Avg: 8.0/10
EPS GrowthGrowth
40.6%8/10

Earnings expanding 40.6% YoY

Areas to Watch

HVT-A4 concerns · Avg: 3.0/10
Market CapQuality
$452.21M3/10

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%

LTH3 concerns · Avg: 2.3/10
Debt/EquityHealth
1.293/10

Elevated debt levels

Free Cash FlowQuality
$-53.70M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.822/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT-A

The strongest argument for HVT-A centers on EPS Growth, PEG Ratio, Price/Book. PEG of 0.78 suggests the stock is reasonably priced for its growth.

Bull Case : LTH

The strongest argument for LTH centers on EPS Growth. Revenue growth of 13.7% demonstrates continued momentum.

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 : LTH

The primary concerns for LTH are Debt/Equity, Free Cash Flow, Altman Z-Score.

Key Dynamics to Monitor

LTH carries more volatility with a beta of 1.49 — expect wider price swings.

LTH is growing revenue faster at 13.7% — 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

LTH scores higher overall (61/100 vs 59/100) and 13.7% revenue growth. HVT-A offers better value entry with a 64.5% 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.

Life Time Group Holdings Inc

CONSUMER CYCLICAL · LEISURE · USA

Life Time Group Holdings, Inc. offers health, fitness and wellness experiences to a community of individual members in the United States and Canada. The company is headquartered in Chanhassen, Minnesota.

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