WallStSmart

Haverty Furniture Companies Inc (HVT-A)vs3M Company (MMM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

3M Company generates 3187% more annual revenue ($24.95B vs $759.00M). MMM leads profitability with a 13.0% profit margin vs 2.6%. HVT-A appears more attractively valued with a PEG of 1.01. MMM earns a higher WallStSmart Score of 54/100 (C-).

HVT-A

Hold

48

out of 100

Grade: D+

Growth: 4.0Profit: 4.0Value: 7.3Quality: 5.0

MMM

Buy

54

out of 100

Grade: C-

Growth: 2.7Profit: 7.0Value: 7.3Quality: 5.5
Piotroski: 5/9Altman Z: 2.82
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVT-ASignificantly Overvalued (-90.2%)

Margin of Safety

-90.2%

Fair Value

$15.33

Current Price

$23.72

$8.39 premium

UndervaluedFair: $15.33Overvalued
MMMSignificantly Overvalued (-323.6%)

Margin of Safety

-323.6%

Fair Value

$40.80

Current Price

$148.05

$107.25 premium

UndervaluedFair: $40.80Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT-A1 strengths · Avg: 10.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

MMM3 strengths · Avg: 9.0/10
Return on EquityProfitability
75.5%10/10

Every $100 of equity generates 76 in profit

Market CapQuality
$77.25B9/10

Large-cap with strong market position

Free Cash FlowQuality
$1.33B8/10

Generating 1.3B in free cash flow

Areas to Watch

HVT-A4 concerns · Avg: 3.3/10
EPS GrowthGrowth
3.8%4/10

3.8% earnings growth

Market CapQuality
$382.94M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.4%3/10

ROE of 6.4% — below average capital efficiency

Profit MarginProfitability
2.6%3/10

2.6% margin — thin

MMM4 concerns · Avg: 2.8/10
Price/BookValuation
16.7x4/10

Trading at 16.7x book value

Revenue GrowthGrowth
2.0%4/10

2.0% revenue growth

EPS GrowthGrowth
-19.9%2/10

Earnings declined 19.9%

Debt/EquityHealth
2.751/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT-A

The strongest argument for HVT-A centers on Price/Book. PEG of 1.01 suggests the stock is reasonably priced for its growth.

Bull Case : MMM

The strongest argument for MMM centers on Return on Equity, Market Cap, Free Cash Flow. PEG of 1.43 suggests the stock is reasonably priced for its growth.

Bear Case : HVT-A

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

Bear Case : MMM

The primary concerns for MMM are Price/Book, Revenue Growth, EPS Growth. Debt-to-equity of 2.75 is elevated, increasing financial risk.

Key Dynamics to Monitor

HVT-A carries more volatility with a beta of 1.27 — expect wider price swings.

HVT-A is growing revenue faster at 9.5% — sustainability is the question.

MMM generates stronger free cash flow (1.3B), providing more financial flexibility.

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

Bottom Line

MMM scores higher overall (54/100 vs 48/100). 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.

3M Company

INDUSTRIALS · CONGLOMERATES · USA

The 3M Company is an American multinational conglomerate corporation operating in the fields of industry, worker safety, US health care, and consumer goods. The company produces over 60,000 products under several brands, including adhesives, abrasives, laminates, passive fire protection, personal protective equipment, window films, paint protection films, dental and orthodontic products, electrical and electronic connecting and insulating materials, medical products, car-care products, electronic circuits, healthcare software and optical films. It is based in Maplewood, a suburb of Saint Paul, Minnesota.

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