WallStSmart

Haverty Furniture Companies Inc (HVT-A)vsBanco Santander SA ADR (SAN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Banco Santander SA ADR generates 6081% more annual revenue ($47.37B vs $766.48M). SAN leads profitability with a 34.1% profit margin vs 2.6%. HVT-A appears more attractively valued with a PEG of 0.99. SAN earns a higher WallStSmart Score of 67/100 (B-).

HVT-A

Buy

52

out of 100

Grade: C-

Growth: 4.0Profit: 4.0Value: 8.0Quality: 5.0

SAN

Strong Buy

67

out of 100

Grade: B-

Growth: 7.3Profit: 7.5Value: 5.7Quality: 3.8
Piotroski: 4/9Altman Z: 0.38
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVT-AUndervalued (+85.3%)

Margin of Safety

+85.3%

Fair Value

$197.79

Current Price

$23.05

$174.73 discount

UndervaluedFair: $197.79Overvalued

Intrinsic value data unavailable for SAN.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT-A2 strengths · Avg: 9.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

PEG RatioValuation
0.998/10

Growing faster than its price suggests

SAN6 strengths · Avg: 9.5/10
P/E RatioValuation
11.7x10/10

Attractively priced relative to earnings

Profit MarginProfitability
34.1%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
43.3%10/10

Strong operational efficiency at 43.3%

EPS GrowthGrowth
67.4%10/10

Earnings expanding 67.4% YoY

Market CapQuality
$175.40B9/10

Large-cap with strong market position

Price/BookValuation
1.5x8/10

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
$371.08M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.6%3/10

ROE of 6.6% — below average capital efficiency

Profit MarginProfitability
2.6%3/10

2.6% margin — thin

SAN4 concerns · Avg: 2.3/10
Revenue GrowthGrowth
4.6%4/10

4.6% revenue growth

PEG RatioValuation
2.792/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.382/10

Distress zone — elevated risk

Debt/EquityHealth
4.471/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT-A

The strongest argument for HVT-A centers on Price/Book, PEG Ratio. PEG of 0.99 suggests the stock is reasonably priced for its growth.

Bull Case : SAN

The strongest argument for SAN centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 34.1% and operating margin at 43.3%.

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 : SAN

The primary concerns for SAN are Revenue Growth, PEG Ratio, Altman Z-Score. Debt-to-equity of 4.47 is elevated, increasing financial risk.

Key Dynamics to Monitor

HVT-A carries more volatility with a beta of 1.16 — expect wider price swings.

SAN is growing revenue faster at 4.6% — sustainability is the question.

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

Bottom Line

SAN scores higher overall (67/100 vs 52/100), backed by strong 34.1% margins. HVT-A offers better value entry with a 85.3% margin of safety. Both earn "Strong 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.

Banco Santander SA ADR

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Banco Santander, SA, offers various commercial and retail banking products and services to individuals, small and medium-sized companies and large companies worldwide. The company is headquartered in Madrid, Spain.

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