WallStSmart

Haverty Furniture Companies Inc (HVT-A)vsToll Brothers Inc (TOL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Toll Brothers Inc generates 1368% more annual revenue ($11.25B vs $766.48M). TOL leads profitability with a 12.3% profit margin vs 2.6%. HVT-A appears more attractively valued with a PEG of 0.99. TOL earns a higher WallStSmart Score of 73/100 (B).

HVT-A

Buy

52

out of 100

Grade: C-

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

TOL

Strong Buy

73

out of 100

Grade: B

Growth: 6.7Profit: 7.0Value: 6.0Quality: 8.0
Piotroski: 3/9Altman Z: 3.60
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
TOLSignificantly Overvalued (-34.2%)

Margin of Safety

-34.2%

Fair Value

$120.36

Current Price

$141.60

$21.24 premium

UndervaluedFair: $120.36Overvalued

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

TOL5 strengths · Avg: 8.8/10
P/E RatioValuation
10.0x10/10

Attractively priced relative to earnings

Altman Z-ScoreHealth
3.6010/10

Safe zone — low bankruptcy risk

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
15.4%8/10

15.4% revenue growth

EPS GrowthGrowth
25.1%8/10

Earnings expanding 25.1% YoY

Areas to Watch

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

4.1% revenue growth

Market CapQuality
$373.17M3/10

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

TOL2 concerns · Avg: 2.5/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-11.59M2/10

Negative free cash flow — burning cash

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 : TOL

The strongest argument for TOL centers on P/E Ratio, Altman Z-Score, Price/Book. Revenue growth of 15.4% demonstrates continued momentum. PEG of 1.01 suggests the stock is reasonably priced for its growth.

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 : TOL

The primary concerns for TOL are Piotroski F-Score, Free Cash Flow.

Key Dynamics to Monitor

HVT-A profiles as a value stock while TOL is a growth play — different risk/reward profiles.

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

TOL is growing revenue faster at 15.4% — sustainability is the question.

HVT-A generates stronger free cash flow (3M), providing more financial flexibility.

Bottom Line

TOL scores higher overall (73/100 vs 52/100) and 15.4% revenue growth. 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.

Toll Brothers Inc

CONSUMER CYCLICAL · RESIDENTIAL CONSTRUCTION · USA

Toll Brothers, Inc. designs, builds, markets, sells and manages the financing of a variety of detached and attached homes in luxury residential communities in the United States. The company is headquartered in Horsham, Pennsylvania.

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