WallStSmart

Haverty Furniture Companies Inc (HVT)vsThor Industries Inc (THO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Thor Industries Inc generates 1181% more annual revenue ($9.82B vs $766.48M). THO leads profitability with a 2.7% profit margin vs 2.6%. THO appears more attractively valued with a PEG of 0.71. HVT earns a higher WallStSmart Score of 56/100 (C).

HVT

Buy

56

out of 100

Grade: C

Growth: 4.0Profit: 4.0Value: 4.7Quality: 6.5
Piotroski: 4/9Altman Z: 2.96

THO

Buy

54

out of 100

Grade: C-

Growth: 2.0Profit: 4.0Value: 6.7Quality: 8.0
Piotroski: 4/9Altman Z: 3.50
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

HVTSignificantly Overvalued (-58.0%)

Margin of Safety

-58.0%

Fair Value

$16.66

Current Price

$22.84

$6.18 premium

UndervaluedFair: $16.66Overvalued
THOOvervalued (-8.3%)

Margin of Safety

-8.3%

Fair Value

$110.67

Current Price

$75.70

$34.97 premium

UndervaluedFair: $110.67Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HVT1 strengths · Avg: 10.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

THO5 strengths · Avg: 9.2/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0010/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
3.5010/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.718/10

Growing faster than its price suggests

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

Areas to Watch

HVT4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
4.1%4/10

4.1% revenue growth

Market CapQuality
$364.24M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
2.9%3/10

ROE of 2.9% — below average capital efficiency

Profit MarginProfitability
2.6%3/10

2.6% margin — thin

THO4 concerns · Avg: 2.8/10
Return on EquityProfitability
7.2%3/10

ROE of 7.2% — below average capital efficiency

Profit MarginProfitability
2.7%3/10

2.7% margin — thin

Operating MarginProfitability
3.5%3/10

Operating margin of 3.5%

Revenue GrowthGrowth
-3.9%2/10

Revenue declined 3.9%

Comparative Analysis Report

WallStSmart Research

Bull Case : HVT

The strongest argument for HVT centers on Price/Book. PEG of 1.09 suggests the stock is reasonably priced for its growth.

Bull Case : THO

The strongest argument for THO centers on Price/Book, Debt/Equity, Altman Z-Score. PEG of 0.71 suggests the stock is reasonably priced for its growth.

Bear Case : HVT

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

Bear Case : THO

The primary concerns for THO are Return on Equity, Profit Margin, Operating Margin. Thin 2.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

THO carries more volatility with a beta of 1.32 — expect wider price swings.

HVT is growing revenue faster at 4.1% — sustainability is the question.

THO generates stronger free cash flow (196M), providing more financial flexibility.

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

Bottom Line

HVT scores higher overall (56/100 vs 54/100). 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.

Thor Industries Inc

CONSUMER CYCLICAL · RECREATIONAL VEHICLES · USA

Thor Industries, Inc. designs, manufactures, and sells recreational vehicles (RVs) and related parts and accessories in the United States, Canada, and Europe. The company is headquartered in Elkhart, Indiana.

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