Haverty Furniture Companies Inc (HVT-A)vsUnitedHealth Group Incorporated (UNH)
HVT-A
Haverty Furniture Companies Inc
$23.06
0.00%
CONSUMER CYCLICAL · Cap: $371.08M
UNH
UnitedHealth Group Incorporated
$379.98
+2.77%
HEALTHCARE · Cap: $335.78B
Smart Verdict
WallStSmart Research — data-driven comparison
UnitedHealth Group Incorporated generates 58573% more annual revenue ($449.71B vs $766.48M). UNH leads profitability with a 2.7% profit margin vs 2.6%. HVT-A appears more attractively valued with a PEG of 0.99. UNH earns a higher WallStSmart Score of 54/100 (C-).
HVT-A
Buy52
out of 100
Grade: C-
UNH
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+85.3%
Fair Value
$197.79
Current Price
$23.05
$174.73 discount
Margin of Safety
+42.2%
Fair Value
$639.72
Current Price
$379.98
$259.74 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Growing faster than its price suggests
Mega-cap, among the largest globally
Generating 8.1B in free cash flow
Areas to Watch
4.1% revenue growth
Smaller company, higher risk/reward
ROE of 6.6% — below average capital efficiency
2.6% margin — thin
Moderate valuation
2.0% revenue growth
0.7% earnings growth
2.7% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull 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 : UNH
The strongest argument for UNH centers on Market Cap, Free Cash Flow. PEG of 1.27 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 : UNH
The primary concerns for UNH are P/E Ratio, Revenue Growth, EPS Growth. Thin 2.7% margins leave little buffer for downturns.
Key Dynamics to Monitor
HVT-A carries more volatility with a beta of 1.16 — expect wider price swings.
HVT-A is growing revenue faster at 4.1% — sustainability is the question.
UNH generates stronger free cash flow (8.1B), providing more financial flexibility.
Monitor HOME IMPROVEMENT RETAIL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UNH scores higher overall (54/100 vs 52/100). HVT-A offers better value entry with a 85.3% 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.
UnitedHealth Group Incorporated
HEALTHCARE · HEALTHCARE PLANS · USA
UnitedHealth Group Incorporated is an American for-profit multinational managed healthcare and insurance company based in Minnetonka, Minnesota. It offers health care products and insurance services. In 2020, it was the second-largest healthcare company (behind CVS Health) by revenue with $257.1 billion, and the largest insurance company by net premiums. UnitedHealthcare revenues comprise 80% of the Group's overall revenue.
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