HG Holdings (STLY) Fair Value & Analysis
Financial Services · US · Market cap $22.7M
HG Holdings
STLY · US
Fair value as of: Jul 27, 2026
From 4 valuation models · updated 14 days ago
Share price −29.8% over the past month.
Below-average quality, screening 79% undervalued on our models.
What matters now
- The price is below even our cautious bear case ($4.25). The market is more pessimistic than our downside scenario.
- Solid quality (45/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.
How to read this chart
60‑month range $2.95 – $11.75 · fair‑value band $4.25 – $7.08 · the $3.16 price screens below the $5.67 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.
Analysis
HG Holdings (STLY) currently trades at $3.16, while our model-based Fair Value estimate is $5.67, implying the stock looks roughly 79.4% undervalued today. The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, HG Holdings generated revenue of $15.8M at a net margin of 14.6%. Revenue grew 40.2% year over year. It earns a return on equity of 6.8%. The stock trades on a trailing P/E of 7.8. Fundamentals as of Jul 27, 2026
Our scenario range runs from $4.25 (bear case) to $7.08 (bull case); at $3.16, the current price sits below 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 about 48% below its 52-week high and 9% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 46% fair-value upside, at 79%, STLY 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.
All 4 models by family
Widest divergence: Asset-Based ($5.53) versus Multiples ($5.15). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 48 · Market factors (momentum, volatility) 27
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
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
HG Holdings 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.
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Peer Group
Insurance - Specialty · 32 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.
Valuation Multiples vs Insurance - Specialty median · lower = cheaper
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.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Specialty stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Fidelity National Financial, Inc FNF | $49.53 | $29.08 | -41% |
| AXIS Capital Holdings AXS | $114.62 | $177.90 | +55% |
| First American Financial Corporation FAF | $70.06 | $79.33 | +13% |
| Enact Holdings ACT | $46.52 | $62.79 | +35% |
| MGIC Investment Corporation MTG | $29.47 | $45.39 | +54% |
| Essent Group ESNT | $66.71 | $97.33 | +46% |
| Radian Group RDN | $39.14 | $56.98 | +46% |
| Protector Forsikring ASA PROT | kr 485.80 | kr 418.04 | -14% |
| Assured Guaranty Ltd AGO | $82.49 | $147.67 | +79% |
| NMI Holdings NMIH | $41.16 | $66.55 | +62% |
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Frequently asked questions
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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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