WallStSmart

Haverty Furniture Companies Inc (HVT)vsPenske Automotive Group Inc (PAG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Penske Automotive Group Inc generates 4091% more annual revenue ($31.81B vs $759.00M). PAG leads profitability with a 2.9% profit margin vs 2.6%. HVT appears more attractively valued with a PEG of 1.00. HVT earns a higher WallStSmart Score of 56/100 (C).

HVT

Buy

56

out of 100

Grade: C

Growth: 4.0Profit: 4.0Value: 6.7Quality: 5.0

PAG

Buy

53

out of 100

Grade: C-

Growth: 2.7Profit: 5.5Value: 5.3Quality: 3.8
Piotroski: 3/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVTUndervalued (+1.6%)

Margin of Safety

+1.6%

Fair Value

$26.76

Current Price

$22.78

$3.98 discount

UndervaluedFair: $26.76Overvalued
PAGSignificantly Overvalued (-80.3%)

Margin of Safety

-80.3%

Fair Value

$96.08

Current Price

$159.47

$63.39 premium

UndervaluedFair: $96.08Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT2 strengths · Avg: 9.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

PEG RatioValuation
1.008/10

Growing faster than its price suggests

PAG2 strengths · Avg: 9.0/10
P/E RatioValuation
11.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Areas to Watch

HVT4 concerns · Avg: 3.3/10
EPS GrowthGrowth
3.8%4/10

3.8% earnings growth

Market CapQuality
$377.45M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.4%3/10

ROE of 6.4% — below average capital efficiency

Profit MarginProfitability
2.6%3/10

2.6% margin — thin

PAG4 concerns · Avg: 3.3/10
PEG RatioValuation
1.814/10

Expensive relative to growth rate

Profit MarginProfitability
2.9%3/10

2.9% margin — thin

Operating MarginProfitability
3.4%3/10

Operating margin of 3.4%

Debt/EquityHealth
1.563/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT

The strongest argument for HVT centers on Price/Book, PEG Ratio. PEG of 1.00 suggests the stock is reasonably priced for its growth.

Bull Case : PAG

The strongest argument for PAG centers on P/E Ratio, Price/Book.

Bear Case : HVT

The primary concerns for HVT are EPS Growth, Market Cap, Return on Equity. Thin 2.6% margins leave little buffer for downturns.

Bear Case : PAG

The primary concerns for PAG are PEG Ratio, Profit Margin, Operating Margin. Debt-to-equity of 1.56 is elevated, increasing financial risk. Thin 2.9% margins leave little buffer for downturns.

Key Dynamics to Monitor

HVT carries more volatility with a beta of 1.29 — expect wider price swings.

HVT is growing revenue faster at 9.5% — sustainability is the question.

HVT generates stronger free cash flow (3M), providing more financial flexibility.

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

Bottom Line

HVT scores higher overall (56/100 vs 53/100). 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.

Penske Automotive Group Inc

CONSUMER CYCLICAL · AUTO & TRUCK DEALERSHIPS · USA

Penske Automotive Group, Inc., a diversified transportation services company, operates commercial and automotive truck dealerships. The company is headquartered in Bloomfield Hills, Michigan.

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