HG Holdings Inc (STLY) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of HG Holdings Inc $3.52, price $3.50, upside +0.5%, quality 45 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $2.95 – $11.75 · fair‑value band $2.64 – $4.40 · the $3.50 price screens below the $3.52 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 24, 2026.
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HG Holdings, Inc. provides land title insurance for owners and mortgages in the United States. It operates through Title Insurance and Corporate and Other segments.
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HG Holdings, Inc. provides land title insurance for owners and mortgages in the United States. It operates through Title Insurance and Corporate and Other segments. The company issues title insurance policies; offers title agency services on residential and commercial real estate transactions; and closing and/or escrow services to facilitate real estate transactions. It is also involved in real estate-related through its equity investments; provision of management advisory services, such as legal entity formation, licensure, regulatory approval, assumption of policies, and other general operational services; and reinsurance business. The company was formerly known as Stanley Furniture Company, Inc. and changed its name to HG Holdings, Inc. in March 2018. HG Holdings, Inc. was founded in 1924 and is headquartered in Charlotte, North Carolina.
Stock analysis
HG Holdings Inc (STLY) currently trades at $3.50, while our model-based Fair Value estimate is $3.52, implying the stock looks roughly 0.5% fairly valued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $5.86 per share, and 4 of the 4 models we run sit above the $3.50 price.
Bear case: the Multiples group reads lowest at $3.94, and 0 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $2.64 (bear) to $4.40 (bull), the price of $3.50 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
HG Holdings Inc reported revenue of $15.1M in FY2025 versus $3.5M in FY2021, a compound +44.5%/yr. Reported net income was $1.5M in FY2025, compounding −13.7%/yr from FY2021.
Key figures
Market cap $22.7M · P/E ratio 6.0 · P/S ratio 0.61 · EPS (TTM) $0.5800 · Net margin 10.1% · Return on equity 6.8% · Return on assets (EBIT) −12.1% · Operating margin 10.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 41% below its 52-week high and 11% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 7% fair-value upside, at 1%, STLY screens richer than that median.
Fair Value models
Bear $2.64Fair Value $3.52Bull $4.40
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.4259 per share) are deliberately not added.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 ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+23.7%
Revenue growth 3 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
−1.1%
Revenue growth 5 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+85.7%
Start year 2020 (pandemic). Over 10 years: −12.5% a year
Revenue growth 25 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
−11.1%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+92.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+92.3%
Dividend (yield on the price)0.0%
Profit margin 2015 to 2020 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.2% → −191%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−11.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −13.7% a year for the price.
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Insurance - Specialty · 30 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score47 · Bottom 25%
Fair Value upside+1% · Above median
Profitability
Return on equity (TTM)7% · Bottom 25%
Return on assets3% · Below median
Net margin (TTM)15% · Above median
Operating margin (TTM)11% · Below median
Growth and dividend
Revenue growth40% · Top 25%
Valuation Multiplesvs Insurance - Specialty median · lower = cheaper
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Is HG Holdings Inc (STLY) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $3.52 versus a price of $3.50, about +1% upside (fairly valued).
What is the fair value of STLY?
Our model-based fair value for HG Holdings Inc is $3.52 (as of Sep 24, 2026), built from audited fundamentals. The current price: $3.50.
What is the quality score of STLY?
HG Holdings Inc has a Quality Score of 45/100. 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 price target for HG Holdings Inc (STLY)?
Our model-based price target is the fair value of $3.52 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $2.64, optimistic scenario $4.40. It is a calculation from audited fundamentals, not an analyst target.
What is the HG Holdings Inc stock forecast for 2026?
Our models put fair value at $3.52, about +1% upside versus a price of $3.50 (fairly valued). Cautious scenario $2.64, optimistic scenario $4.40. The calculation is refreshed regularly with new filings.
What is the revenue of HG Holdings Inc (STLY)?
HG Holdings Inc reported trailing-twelve-month revenue of about $15.8M (latest available figure, as of Sep 24, 2026).
What growth is priced into HG Holdings Inc (STLY)?
For today's price to be fair in a discounted-cash-flow model, HG Holdings Inc would have to grow free cash flow by -11.7 % per year for five years (discount rate 8.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +85.7 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of STLY use?
Our models discount HG Holdings Inc at 8.5 %: a base by market capitalisation (nano), damped by beta 0.15, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For HG Holdings Inc that is -11.7 % per year a year over ten years, using the same discount rate (8.5 %) and the same formula as our fair value.
How much growth has HG Holdings Inc (STLY) delivered so far?
Over the past 5 years revenue at HG Holdings Inc grew +85.7 % a year. The price currently implies -11.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of HG Holdings Inc (STLY) growing?
The median revenue growth in the sector is +2.6 % a year. That is the yardstick for the growth priced into HG Holdings Inc (-11.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of HG Holdings Inc (STLY)?
The free-cash-flow yield on the price is 4.91 %: that much free cash flow HG Holdings Inc produces per unit of market value. When it exceeds the discount rate of our models (8.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of HG Holdings Inc (STLY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For HG Holdings Inc it is $3.52 per share (as of Sep 24, 2026), against a price of $3.50. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is HG Holdings Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, STLY trades below its calculated fair value: price $3.50, fair value $3.52, a gap of about +1% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of STLY?
No. The price is what the market pays today ($3.50); the fair value is what the company's own numbers justify ($3.52). For HG Holdings Inc the two are $0.0190 per share apart. That gap is exactly why we show both numbers side by side.
How much is HG Holdings Inc worth?
The market values HG Holdings Inc at about $22.7M (market capitalisation, as of Sep 24, 2026). Per share that is $3.50; our models calculate a fair value of $3.52 per share.
What do the bullish and bearish scenarios say about STLY?
Our models span a range for HG Holdings Inc: cautious scenario $2.64, base $3.52, optimistic $4.40 per share (as of Sep 24, 2026, price $3.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of STLY?
HG Holdings Inc trades at a price-to-earnings ratio of 6.0 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $3.52 is built from several models across several years. Other multiples: PEG 1.9, P/B 0.5, P/S 1.4, EV/EBITDA 5.3.
What is the PEG ratio of STLY?
The PEG ratio of HG Holdings Inc is 1.88 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of HG Holdings Inc (STLY)?
Balance-sheet figures for HG Holdings Inc (as of Sep 24, 2026): return on equity 6.8%. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is STLY from its 52-week high?
HG Holdings Inc trades at $3.50, about 41% below its 52-week high of $5.95 and 11% above the low of $3.16 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $3.52 is for.
Which stocks are comparable to HG Holdings Inc?
From the same area (Financial Services) we also value Fidelity National Financial, Inc, AXIS Capital Holdings, First American Financial Corporation, Enact Holdings, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is HG Holdings Inc stock attractive at the current price?
The data as of Sep 24, 2026: price $3.50, calculated fair value $3.52 (+1%), Quality Score 45/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of STLY calculated?
We run HG Holdings Inc through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $3.52, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. HG Holdings Inc currently trades 1 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of HG Holdings Inc (STLY)?
The closing price on Sep 23, 2026 was $3.50. Our model-based fair value is $3.52, about +1% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with HG Holdings Inc right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of HG Holdings Inc
How large is the market capitalisation of HG Holdings Inc (STLY)?
The market capitalisation of HG Holdings Inc is $22.7M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of HG Holdings Inc (STLY)?
The price-to-sales ratio of HG Holdings Inc is 0.61 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of HG Holdings Inc (STLY)?
Earnings per share at HG Holdings Inc are $0.5800 (price ÷ EPS = P/E 6.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of HG Holdings Inc (STLY)?
The net margin of HG Holdings Inc is 10.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of HG Holdings Inc (STLY)?
The return on equity (ROE) of HG Holdings Inc is 6.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of HG Holdings Inc (STLY)?
On an EBIT basis the return on assets of HG Holdings Inc is −12.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of HG Holdings Inc (STLY)?
The operating margin of HG Holdings Inc is 10.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at HG Holdings Inc (STLY)?
Revenue at HG Holdings Inc is growing +40.2% versus a year earlier (3y avg −1.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at HG Holdings Inc (STLY)?
Earnings per share at HG Holdings Inc are growing −91.2% versus a year earlier. How much earnings per share grew versus a year earlier.
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Sep 24, 2026