WallStSmart

Haverty Furniture Companies Inc (HVT)vsThredUp Inc (TDUP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Haverty Furniture Companies Inc generates 133% more annual revenue ($780.39M vs $334.30M). HVT leads profitability with a 2.9% profit margin vs -6.7%. 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

TDUP

Avoid

34

out of 100

Grade: F

Growth: 5.3Profit: 2.0Value: 6.0Quality: 4.0
Piotroski: 4/9Altman Z: -3.04
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVTSignificantly Overvalued (-53.0%)

Margin of Safety

-53.0%

Fair Value

$17.21

Current Price

$27.28

$10.07 premium

UndervaluedFair: $17.21Overvalued
TDUPUndervalued (+17.9%)

Margin of Safety

+17.9%

Fair Value

$5.48

Current Price

$2.48

$3.00 discount

UndervaluedFair: $5.48Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT3 strengths · Avg: 9.3/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

EPS GrowthGrowth
100.0%10/10

Earnings expanding 100.0% YoY

PEG RatioValuation
0.768/10

Growing faster than its price suggests

TDUP1 strengths · Avg: 8.0/10
Revenue GrowthGrowth
16.9%8/10

16.9% revenue growth

Areas to Watch

HVT4 concerns · Avg: 3.0/10
Market CapQuality
$447.93M3/10

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%

TDUP4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$325.71M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-36.6%2/10

ROE of -36.6% — below average capital efficiency

Altman Z-ScoreHealth
-3.042/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT

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

Bull Case : TDUP

The strongest argument for TDUP centers on Revenue Growth. Revenue growth of 16.9% 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 : TDUP

The primary concerns for TDUP are EPS Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

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

TDUP carries more volatility with a beta of 1.98 — expect wider price swings.

TDUP is growing revenue faster at 16.9% — sustainability is the question.

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

Bottom Line

HVT scores higher overall (64/100 vs 34/100). TDUP offers better value entry with a 17.9% margin of safety. Both earn "Buy" and "Avoid" 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.

ThredUp Inc

CONSUMER CYCLICAL · INTERNET RETAIL · USA

ThredUp Inc. operates online resale platforms that allow consumers to buy and sell second-hand clothing, shoes, and accessories for women and children. The company is headquartered in Oakland, California.

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