WallStSmart

Haverty Furniture Companies Inc (HVT)vsMiller Industries Inc (MLR)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Haverty Furniture Companies Inc generates 1% more annual revenue ($780.39M vs $771.44M). HVT leads profitability with a 2.9% profit margin vs 1.9%. 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

MLR

Hold

48

out of 100

Grade: D+

Growth: 3.3Profit: 4.0Value: 2.7Quality: 8.5
Piotroski: 4/9Altman Z: 4.27
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
MLRSignificantly Overvalued (-44.2%)

Margin of Safety

-44.2%

Fair Value

$30.87

Current Price

$54.72

$23.85 premium

UndervaluedFair: $30.87Overvalued

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

MLR3 strengths · Avg: 10.0/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.2710/10

Safe zone — low bankruptcy risk

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%

MLR4 concerns · Avg: 3.0/10
Market CapQuality
$636.40M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
3.4%3/10

ROE of 3.4% — below average capital efficiency

Profit MarginProfitability
1.9%3/10

1.9% margin — thin

Operating MarginProfitability
4.5%3/10

Operating margin of 4.5%

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 : MLR

The strongest argument for MLR centers on Price/Book, Debt/Equity, Altman Z-Score. Revenue growth of 12.1% demonstrates continued momentum.

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 : MLR

The primary concerns for MLR are Market Cap, Return on Equity, Profit Margin. A P/E of 45.2x leaves little room for execution misses. Thin 1.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

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

MLR is growing revenue faster at 12.1% — sustainability is the question.

MLR generates stronger free cash flow (28M), providing more financial flexibility.

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

Bottom Line

HVT scores higher overall (64/100 vs 48/100). 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.

Miller Industries Inc

CONSUMER CYCLICAL · AUTO PARTS · USA

Miller Industries, Inc., manufactures and sells towing and recovery equipment. The company is headquartered in Ooltewah, Tennessee.

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