WallStSmart

Haverty Furniture Companies Inc (HVT)vsCarMax Inc (KMX)

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Smart Verdict

WallStSmart Research — data-driven comparison

CarMax Inc generates 3675% more annual revenue ($29.46B vs $780.39M). HVT leads profitability with a 2.9% profit margin vs 1.0%. KMX appears more attractively valued with a PEG of 0.68. KMX earns a higher WallStSmart Score of 65/100 (B-).

HVT

Buy

64

out of 100

Grade: C+

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

KMX

Strong Buy

65

out of 100

Grade: B-

Growth: 6.7Profit: 4.0Value: 6.3Quality: 5.5
Piotroski: 4/9Altman Z: 1.66
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVTSignificantly Overvalued (-46.4%)

Margin of Safety

-46.4%

Fair Value

$17.98

Current Price

$29.28

$11.30 premium

UndervaluedFair: $17.98Overvalued

Intrinsic value data unavailable for KMX.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT3 strengths · Avg: 8.7/10
EPS GrowthGrowth
100.0%10/10

Earnings expanding 100.0% YoY

PEG RatioValuation
0.768/10

Growing faster than its price suggests

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

KMX4 strengths · Avg: 9.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

EPS GrowthGrowth
81.6%10/10

Earnings expanding 81.6% YoY

PEG RatioValuation
0.688/10

Growing faster than its price suggests

Revenue GrowthGrowth
17.7%8/10

17.7% revenue growth

Areas to Watch

HVT4 concerns · Avg: 3.0/10
Market CapQuality
$465.94M3/10

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%

KMX4 concerns · Avg: 3.5/10
P/E RatioValuation
25.5x4/10

Moderate valuation

Altman Z-ScoreHealth
1.664/10

Distress zone — elevated risk

Return on EquityProfitability
4.2%3/10

ROE of 4.2% — below average capital efficiency

Profit MarginProfitability
1.0%3/10

1.0% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT

The strongest argument for HVT centers on EPS Growth, PEG Ratio, Price/Book. PEG of 0.76 suggests the stock is reasonably priced for its growth.

Bull Case : KMX

The strongest argument for KMX centers on Price/Book, EPS Growth, PEG Ratio. Revenue growth of 17.7% demonstrates continued momentum. PEG of 0.68 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 : KMX

The primary concerns for KMX are P/E Ratio, Altman Z-Score, Return on Equity. Debt-to-equity of 2.83 is elevated, increasing financial risk. Thin 1.0% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

KMX carries more volatility with a beta of 1.23 — expect wider price swings.

KMX is growing revenue faster at 17.7% — sustainability is the question.

KMX generates stronger free cash flow (806M), providing more financial flexibility.

Bottom Line

KMX scores higher overall (65/100 vs 64/100) and 17.7% revenue growth. 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.

CarMax Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

CarMax is a used vehicle retailer based in the United States. It operates two business segments: CarMax Sales Operations and CarMax Auto Finance.

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