WallStSmart

Haverty Furniture Companies Inc (HVT-A)vsPenske Automotive Group Inc (PAG)

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Smart Verdict

WallStSmart Research — data-driven comparison

Penske Automotive Group Inc generates 4038% more annual revenue ($31.72B vs $766.48M). PAG leads profitability with a 2.9% profit margin vs 2.6%. HVT-A appears more attractively valued with a PEG of 1.38. HVT-A earns a higher WallStSmart Score of 50/100 (D+).

HVT-A

Hold

50

out of 100

Grade: D+

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

PAG

Hold

48

out of 100

Grade: D+

Growth: 2.7Profit: 5.5Value: 5.0Quality: 5.0
Piotroski: 4/9Altman Z: 2.70
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVT-AUndervalued (+60.4%)

Margin of Safety

+60.4%

Fair Value

$73.56

Current Price

$28.05

$45.51 discount

UndervaluedFair: $73.56Overvalued

Intrinsic value data unavailable for PAG.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT-A1 strengths · Avg: 10.0/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

PAG2 strengths · Avg: 8.0/10
P/E RatioValuation
14.7x8/10

Attractively priced relative to earnings

Price/BookValuation
2.5x8/10

Reasonable price relative to book value

Areas to Watch

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

4.1% revenue growth

Market CapQuality
$460.33M3/10

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

PAG4 concerns · Avg: 2.8/10
Profit MarginProfitability
2.9%3/10

2.9% margin — thin

Operating MarginProfitability
3.7%3/10

Operating margin of 3.7%

Debt/EquityHealth
1.643/10

Elevated debt levels

PEG RatioValuation
2.562/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT-A

The strongest argument for HVT-A centers on Price/Book. PEG of 1.38 suggests the stock is reasonably priced for its growth.

Bull Case : PAG

The strongest argument for PAG centers on P/E Ratio, Price/Book.

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 : PAG

The primary concerns for PAG are Profit Margin, Operating Margin, Debt/Equity. Debt-to-equity of 1.64 is elevated, increasing financial risk. Thin 2.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

HVT-A carries more volatility with a beta of 1.15 — expect wider price swings.

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

PAG generates stronger free cash flow (152M), providing more financial flexibility.

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

Bottom Line

HVT-A scores higher overall (50/100 vs 48/100). Both earn "Hold" 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.

Penske Automotive Group Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Penske Automotive Group, Inc., a diversified transportation services company, operates commercial and automotive truck dealerships. The company is headquartered in Bloomfield Hills, Michigan.

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