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Haverty Furniture Companies, Inc (HVT) Fair Value & Analysis

Consumer Cyclical · US · Market cap $392M

HF Haverty Furniture Companies, Inc logo Haverty Furniture Companies, Inc HVT · US
Price$29.09
Fair Value$22.53
Upside-22.6%
Quality71/100
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Weak Growth
Thin margins · 2.6% net margin
Low debt · generates free cash flow
5.47% dividend yield
Mixed vs. peers (7/15)
Narrow moat 32/100
Evidence: High Range $16.90 – $28.17 Share as image

Fair value as of: Jul 17, 2026

From 22 valuation models · updated 24 days ago

Fair value updated Jul 17, 2026, revised from $29.16 to $22.53 (−22.7%) since Jun 24, 2026. Share price +18.3% over the past month.

A solid business, but screening 23% overvalued on our models.

What matters now

  • A high-quality business (quality 71/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety.
  • The price sits above even our optimistic bull case ($28.17). The favourable scenario is already priced in.
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Price vs Fair Value (5 years)

$37.66 $15.98 Fair Value $22.53 Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 17, 2026.

How to read this chart

60‑month range $15.98 – $37.66 · fair‑value band $16.90 – $28.17 · the $29.09 price screens above the $22.53 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 17, 2026.

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Analysis

Haverty Furniture Companies, Inc (HVT) currently trades at $29.09, while our model-based Fair Value estimate is $22.53, implying the stock looks roughly 22.6% overvalued today. The Quality Score stands at 71/100 (solid quality), in the Consumer Cyclical sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Haverty Furniture Companies, Inc generated revenue of $766M at a net margin of 2.6%. Revenue grew 4.1% year over year. It earns a return on equity of 6.6%. Net debt stands at $84.5M. Fundamentals as of Jul 17, 2026

Our scenario range runs from $16.90 (bear case) to $28.17 (bull case); at $29.09, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 59% above its 52-week low, currently above its 200-day average. For context, the median of 10 Consumer Cyclical peers we cover trades at -25% fair-value upside, at -23%, HVT screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Growth DCF $24.84 $30.10 $37.20 80
Residual Income $15.50 $15.73 $15.13 76
Rev-Margin DCF $20.41 $26.34 $33.19 74
All 22 models by family
DCF Models
FCF DCF $24.40 $30.01 $38.04 38
Owner Earnings $19.18 $23.24 $29.05 31
5Y Revenue Exit $20.41 $25.96 $33.21 39
5Y EBITDA Exit $27.06 $37.43 $49.82 41
5Y P/E Exit $24.40 $32.84 $41.87 38
10Y Revenue Exit $21.68 $26.55 $32.08 36
10Y EBITDA Exit $25.74 $33.52 $42.53 37
10Y P/E Exit $24.24 $30.73 $37.52 35
Earnings-Based
Graham-Dodd $9.01 $17.26 $21.53 54
EPV $13.01 $14.04 $14.90 59
Multiples
P/E Multiple $21.87 $29.16 $36.45 63
P/S Multiple $16.90 $22.53 $28.17 58
P/B Multiple $16.90 $22.53 $28.17 55
EV/EBIT $24.65 $31.05 $37.45 53
EV/EBITDA $32.65 $41.72 $50.78 54
EV/Revenue $18.39 $23.93 $29.48 43
Asset-Based
NCAV (Graham) $10.34 $13.86 $20.69 50
Growth DCF
Growth DCF $24.84 $30.10 $37.20 80
Rev-Margin DCF $20.41 $26.34 $33.19 74
Economic Profit
Residual Income $15.50 $15.73 $15.13 76
ROIC Compounder $13.01 $14.04 $14.90 72
Growth Earnings
Growth-Adj P/E $15.65 $22.35 $29.06 68

Widest divergence: DCF Models ($30.01) versus Asset-Based ($13.86). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) $766M
Revenue growth (YoY) +4.1%
Net margin 2.6%
Return on equity 6.6%
Free cash flow $33.0M FY2025
P/E ratio 20.0
More key figures
Operating margin 2.6%
EPS (TTM) $1.22
Dividend yield 5.5%
EPS growth (YoY) +13.0%
Net debt $84.5M FY2025

Figures from reported company fundamentals · as of Jul 17, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 71/100

Of which business quality 70 · Market factors (momentum, volatility) 73

Profitability 55
Margins and returns on capital today
Quality Growth 52
Are margins and returns improving?
Cashflow 53
Earnings quality: real cash, not paper profit
Fin. Strength 84
Balance sheet, leverage, solvency risk
Investment 95
Disciplined investing over empire-building
Low Volatility 52
Calm price path (market factor)
Momentum 75
Price trend over the last 3–12 months (market factor)
52W Momentum 94
Distance to the 52-week high (market factor)
Net Issuance 97
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Haverty Furniture Companies, Inc. operates as a specialty retailer of residential furniture and accessories in the United States. The company offers furniture merchandise under the Havertys brand name.

Full company description

Haverty Furniture Companies, Inc. operates as a specialty retailer of residential furniture and accessories in the United States. The company offers furniture merchandise under the Havertys brand name. It also provides custom upholstery products and eclectic looks, as well as offers mattress product lines under the Tempur-Pedic, Serta, Sealy, Beautyrest, and Stearns and Foster names. The company sells home furnishings through its retail stores, as well as through its website. Haverty Furniture Companies, Inc. was founded in 1885 and is headquartered in Atlanta, Georgia.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Haverty Furniture Companies, Inc reported revenue of $759M in FY2025 versus $1.0B in FY2021, a compound −7.0%/yr. Reported net income was $19.7M in FY2025, compounding −31.7%/yr from FY2021.

Growth Quality 40/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
$759M
Latest YoY
+5.0%
Avg. growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−10.2%
Avg. growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+0.3%
Avg. growth/yr (40Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+3.4%
Revenue −7.0%/yr
FY21 $1.0B
FY22 $1.0B
FY23 $862M
FY24 $723M
FY25 $759M
Net income −31.7%/yr
FY21 $90.8M
FY22 $89.4M
FY23 $56.3M
FY24 $20.0M
FY25 $19.7M
Character of growth · EPS growth decomposed (2014-2025) +8.0 % p.a.
Revenue per share +3.2 pp

of which total revenue −0.2 pp · buybacks/dilution +3.4 pp

EBIT margin −0.5 pp
Tax rate +3.6 pp
Residual (interest, one-offs) +1.8 pp

Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).

HVT screens 23% overvalued. Compare with The Home Depot, Inc →

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Cite: Fair Value Calculator (2026). "Haverty Furniture Companies, Inc Fair Value". https://www.fairvalue-calculator.com/stock/HVT

Peer Group

Home Improvement Retail · 36 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 71 · Top 25%
Fair Value upside −23% · Below median
Return on equity (TTM) 7% · Below median
Return on assets 2% · Bottom 25%
Net margin (TTM) 3% · Below median
Operating margin (TTM) 3% · Bottom 25%
Revenue growth 4% · Above median
Dividend yield (TTM) 5.5% · Top 25%
Debt / equity 0.17× · Higher than median

Valuation Multiples vs Home Improvement Retail median · lower = cheaper

P/E (TTM) 20.0× · Pricier than median
P/B 1.27× · Cheaper than median
P/S (TTM) 0.51× · Cheaper than median
P/FCF 11.9× · Pricier than 75% of peers
EV/EBITDA 6.6× · Cheaper than median
PEG 1.17× · Cheaper than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 3 · sector 25
FUTURE 21 · sector 11
PAST 26 · sector 30
HEALTH 92 · sector 95
DIVIDEND 100 · sector 50

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Home Improvement Retail stocks, each showing price versus our Fair Value estimate (as of Jul 17, 2026).

Stock Price Fair Value vs Fair Value
The Home Depot, Inc HD $337.74 $236.85 -30%
Lowe's Companies, Inc LOW $209.66 $186.32 -11%
Wesfarmers Limited WES A$92.80 A$50.50 -46%
Floor & Decor Holdings FND $56.40 $32.81 -42%
Mr D.I.Y. Group 5296 1.70 MYR 1.47 MYR -14%
Home Product Center Public Company HMPROR 6.65 THB 6.31 THB -5%
Siam Global House Public Company GLOBAL 7.50 THB 5.96 THB -21%
Dohome Public Company DOHOME 3.86 THB 2.90 THB -25%
Test-Rite International Co 2908 22.00 TWD 9.18 TWD -58%
Bourrelier Group ALBOU €67.00 €37.21 -44%

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Frequently asked questions

Is Haverty Furniture Companies, Inc (HVT) overvalued or undervalued?
As of Jul 17, 2026, our model estimates a fair value of $22.53 versus a price of $29.09, about −23% (overvalued).
What is the fair value of HVT?
Our model-based fair value for Haverty Furniture Companies, Inc is $22.53 (as of Jul 17, 2026), built from audited fundamentals. The current price is $29.09.
What is the quality score of HVT?
Haverty Furniture Companies, Inc has a Quality Score of 71/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of Haverty Furniture Companies, Inc (HVT)?
Haverty Furniture Companies, Inc reported trailing-twelve-month revenue of about $766M (latest available figure, as of Jul 17, 2026).
What is the net profit margin of HVT?
The net profit margin of Haverty Furniture Companies, Inc is about 2.6%, meaning it keeps roughly 2.6% of revenue as net income. Based on the latest reported figures.
Does Haverty Furniture Companies, Inc pay a dividend?
Haverty Furniture Companies, Inc currently shows a dividend yield of about 5.47% relative to its recent price (as of Jul 17, 2026).

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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