Haverty Furniture Companies Inc (HVT)vsUnion Pacific Corporation (UNP)
HVT
Haverty Furniture Companies Inc
$22.20
+2.07%
CONSUMER CYCLICAL · Cap: $357.32M
UNP
Union Pacific Corporation
$264.65
-0.09%
INDUSTRIALS · Cap: $157.27B
Smart Verdict
WallStSmart Research — data-driven comparison
Union Pacific Corporation generates 3123% more annual revenue ($24.70B vs $766.48M). UNP leads profitability with a 29.2% profit margin vs 2.6%. HVT appears more attractively valued with a PEG of 0.95. UNP earns a higher WallStSmart Score of 60/100 (C).
HVT
Buy58
out of 100
Grade: C
UNP
Buy60
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+3.4%
Fair Value
$27.26
Current Price
$22.20
$5.06 discount
Margin of Safety
-76.6%
Fair Value
$150.01
Current Price
$264.65
$114.64 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Growing faster than its price suggests
Every $100 of equity generates 41 in profit
Strong operational efficiency at 40.4%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.5B in free cash flow
Areas to Watch
4.1% revenue growth
Smaller company, higher risk/reward
ROE of 6.6% — below average capital efficiency
2.6% margin — thin
Trading at 8.5x book value
3.2% revenue growth
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : HVT
The strongest argument for HVT centers on Price/Book, PEG Ratio. PEG of 0.95 suggests the stock is reasonably priced for its growth.
Bull Case : UNP
The strongest argument for UNP centers on Return on Equity, Operating Margin, Market Cap. Profitability is solid with margins at 29.2% and operating margin at 40.4%.
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 : UNP
The primary concerns for UNP are Price/Book, Revenue Growth, PEG Ratio.
Key Dynamics to Monitor
HVT carries more volatility with a beta of 1.16 — expect wider price swings.
HVT is growing revenue faster at 4.1% — sustainability is the question.
UNP generates stronger free cash flow (1.5B), providing more financial flexibility.
Monitor HOME IMPROVEMENT RETAIL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UNP scores higher overall (60/100 vs 58/100), backed by strong 29.2% margins. 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.
Union Pacific Corporation
INDUSTRIALS · RAILROADS · USA
The Union Pacific Corporation (Union Pacific) is a publicly traded railroad holding company. It was incorporated in Utah in 1969 and is headquartered in Omaha, Nebraska. It is the parent company of the current, Delaware-registered, form of the Union Pacific Railroad.
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