WallStSmart

Haverty Furniture Companies Inc (HVT)vsKingsway Financial Services Inc (KFS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Haverty Furniture Companies Inc generates 468% more annual revenue ($780.39M vs $137.34M). HVT leads profitability with a 2.9% profit margin vs -7.8%. HVT appears more attractively valued with a PEG of 0.75. HVT earns a higher WallStSmart Score of 64/100 (C+).

HVT

Buy

64

out of 100

Grade: C+

Growth: 6.0Profit: 4.0Value: 5.3Quality: 6.5
Piotroski: 4/9Altman Z: 2.96

KFS

Hold

40

out of 100

Grade: F

Growth: 6.0Profit: 2.0Value: 6.0Quality: 4.5
Piotroski: 2/9Altman Z: -2.64
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVTSignificantly Overvalued (-47.8%)

Margin of Safety

-47.8%

Fair Value

$17.81

Current Price

$27.60

$9.79 premium

UndervaluedFair: $17.81Overvalued

Intrinsic value data unavailable for KFS.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT3 strengths · Avg: 9.3/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

EPS GrowthGrowth
100.0%10/10

Earnings expanding 100.0% YoY

PEG RatioValuation
0.758/10

Growing faster than its price suggests

KFS2 strengths · Avg: 8.0/10
PEG RatioValuation
0.838/10

Growing faster than its price suggests

Revenue GrowthGrowth
28.7%8/10

Revenue surging 28.7% year-over-year

Areas to Watch

HVT4 concerns · Avg: 3.0/10
Market CapQuality
$435.06M3/10

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%

KFS4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$341.57M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Price/BookValuation
21.1x2/10

Trading at 21.1x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT

The strongest argument for HVT centers on Price/Book, EPS Growth, PEG Ratio. PEG of 0.75 suggests the stock is reasonably priced for its growth.

Bull Case : KFS

The strongest argument for KFS centers on PEG Ratio, Revenue Growth. Revenue growth of 28.7% demonstrates continued momentum. PEG of 0.83 suggests the stock is reasonably priced for its growth.

Bear Case : HVT

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

Bear Case : KFS

The primary concerns for KFS are EPS Growth, Market Cap, Piotroski F-Score. Debt-to-equity of 2.37 is elevated, increasing financial risk.

Key Dynamics to Monitor

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

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

KFS is growing revenue faster at 28.7% — sustainability is the question.

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

Bottom Line

HVT scores higher overall (64/100 vs 40/100). Both earn "Buy" 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.

Kingsway Financial Services Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Kingsway Financial Services Inc., is involved in the leased and extended warranty real estate business. The company is headquartered in Itasca, Illinois.

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