WallStSmart

Haverty Furniture Companies Inc (HVT-A)vsXpel Inc (XPEL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Haverty Furniture Companies Inc generates 54% more annual revenue ($780.39M vs $508.09M). XPEL leads profitability with a 10.8% profit margin vs 2.9%. HVT-A trades at a lower P/E of 21.7x. HVT-A earns a higher WallStSmart Score of 57/100 (C).

HVT-A

Buy

57

out of 100

Grade: C

Growth: 6.0Profit: 4.0Value: 7.3Quality: 6.5
Piotroski: 4/9Altman Z: 2.96

XPEL

Buy

55

out of 100

Grade: C-

Growth: 6.7Profit: 7.5Value: 5.0Quality: 8.0
Piotroski: 2/9Altman Z: 4.81
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVT-AUndervalued (+62.4%)

Margin of Safety

+62.4%

Fair Value

$77.52

Current Price

$28.61

$48.91 discount

UndervaluedFair: $77.52Overvalued
XPELOvervalued (-8.0%)

Margin of Safety

-8.0%

Fair Value

$50.90

Current Price

$47.20

$3.70 premium

UndervaluedFair: $50.90Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT-A2 strengths · Avg: 9.0/10
EPS GrowthGrowth
100.0%10/10

Earnings expanding 100.0% YoY

Price/BookValuation
1.5x8/10

Reasonable price relative to book value

XPEL2 strengths · Avg: 9.5/10
Altman Z-ScoreHealth
4.8110/10

Safe zone — low bankruptcy risk

Debt/EquityHealth
0.219/10

Conservative balance sheet, low leverage

Areas to Watch

HVT-A4 concerns · Avg: 3.0/10
Market CapQuality
$482.38M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.0%3/10

ROE of 4.0% — below average capital efficiency

Profit MarginProfitability
2.9%3/10

2.9% margin — thin

Operating MarginProfitability
3.4%3/10

Operating margin of 3.4%

XPEL3 concerns · Avg: 2.7/10
Market CapQuality
$1.35B3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Free Cash FlowQuality
$-34.32M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT-A

The strongest argument for HVT-A centers on EPS Growth, Price/Book. PEG of 1.37 suggests the stock is reasonably priced for its growth.

Bull Case : XPEL

The strongest argument for XPEL centers on Altman Z-Score, Debt/Equity. Revenue growth of 14.7% demonstrates continued momentum.

Bear Case : HVT-A

The primary concerns for HVT-A are Market Cap, Return on Equity, Profit Margin. Thin 2.9% margins leave little buffer for downturns.

Bear Case : XPEL

The primary concerns for XPEL are Market Cap, Piotroski F-Score, Free Cash Flow.

Key Dynamics to Monitor

HVT-A carries more volatility with a beta of 1.18 — expect wider price swings.

XPEL is growing revenue faster at 14.7% — sustainability is the question.

HVT-A generates stronger free cash flow (18M), providing more financial flexibility.

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

Bottom Line

HVT-A scores higher overall (57/100 vs 55/100). 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.

Xpel Inc

CONSUMER CYCLICAL · AUTO PARTS · USA

XPEL, Inc. manufactures, sells, distributes, and installs aftermarket automotive products in the United States, China, Canada, Continental Europe, the United Kingdom, Asia Pacific, Latin America, the Middle East / Africa, and internationally. The company is headquartered in San Antonio, Texas.

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