📊 HVT-A Key Takeaways
Is HVT-A a Good Investment? Thesis Analysis
Haverty demonstrates financial stability with zero debt and strong free cash flow generation ($33M), but fundamental business challenges are evident: net income declined 1.1% YoY despite 5% revenue growth, revealing severe margin compression. Operating margin of just 3.5% on a 60.7% gross margin indicates substantial operational inefficiency, resulting in poor returns on equity (6.4%) and assets (3.0%) that fail to justify capital investment.
Why Buy HVT-A? Key Strengths
- Zero long-term debt and conservative capital structure with 47% equity ratio
- Strong liquidity position: $125.3M cash, 1.87x current ratio, and $33M positive free cash flow
- Healthy gross margin of 60.7% demonstrating product pricing power in furniture retail
HVT-A Investment Risks to Consider
- Net income declining while revenue grows—margin compression trend indicates deteriorating operational performance
- Extremely low operating margin (3.5%) and net margin (2.6%) suggest inability to control costs in mature retail environment
- Poor capital returns (6.4% ROE, 3.0% ROA) indicate business generates insufficient profit from shareholders' capital
- Cyclical furniture retail sector exposed to economic sensitivity and consumer discretionary spending weakness
Key Metrics to Watch
- Operating margin trend—critical to assess if cost structure is being addressed
- Net income trajectory relative to revenue growth—watch for stabilization or further deterioration
- Free cash flow sustainability—monitor if $33M FCF can be maintained amid low profitability
HVT-A Financial Metrics
💡 AI Analyst Insight
The relatively thin 4.3% FCF margin may limit capital allocation flexibility.
HVT-A Profitability Ratios
HVT-A vs Consumer Sector
How HAVERTY FURNITURE COMPANIES INC compares to Consumer sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is HVT-A Overvalued or Undervalued?
Based on fundamental analysis, HAVERTY FURNITURE COMPANIES INC has mixed fundamental signals relative to the Consumer sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
HVT-A Balance Sheet & Liquidity
HVT-A 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: HAVERTY FURNITURE COMPANIES INC's revenue has declined by 15% over the 5-year period, indicating business contraction.
HVT-A Growth Metrics (YoY)
HVT-A Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $175.9M | $4.7M | N/A |
| Q2 2025 | $178.6M | $2.7M | N/A |
| Q1 2025 | $181.6M | $2.4M | N/A |
| Q3 2024 | $175.9M | $4.9M | N/A |
| Q2 2024 | $178.6M | $4.4M | N/A |
| Q1 2024 | $184.0M | $2.4M | N/A |
| Q3 2023 | $220.3M | $17.2M | N/A |
| Q2 2023 | $206.3M | $11.8M | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
HVT-A Capital Allocation
HVT-A SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for HAVERTY FURNITURE COMPANIES INC (CIK: 0000216085)
📋 Recent SEC Filings
❓ Frequently Asked Questions about HVT-A
What is the AI rating for HVT-A?
HAVERTY FURNITURE COMPANIES INC (HVT-A) has an AI rating of HOLD with 55% confidence, based on fundamental analysis of SEC EDGAR filings.
What are HVT-A's key strengths?
Claude: Zero long-term debt and conservative capital structure with 47% equity ratio. Strong liquidity position: $125.3M cash, 1.87x current ratio, and $33M positive free cash flow.
What are the risks of investing in HVT-A?
Claude: Net income declining while revenue grows—margin compression trend indicates deteriorating operational performance. Extremely low operating margin (3.5%) and net margin (2.6%) suggest inability to control costs in mature retail environment.
What is HVT-A's revenue and growth?
HAVERTY FURNITURE COMPANIES INC reported revenue of $759.0M.
Does HVT-A pay dividends?
HAVERTY FURNITURE COMPANIES INC pays dividends, with $20.8M distributed to shareholders in the trailing twelve months.
Where can I find HVT-A SEC filings?
Official SEC filings for HAVERTY FURNITURE COMPANIES INC (CIK: 0000216085) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is HVT-A's EPS?
HAVERTY FURNITURE COMPANIES INC has a diluted EPS of $0.77.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is HVT-A a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, HAVERTY FURNITURE COMPANIES INC has a HOLD rating with 55% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is HVT-A stock overvalued or undervalued?
Valuation metrics for HVT-A: ROE of 6.4% (sector avg: 18%), net margin of 2.6% (sector avg: 8%). Compare these metrics with sector averages to assess valuation.
Should I buy HVT-A stock in 2026?
Our dual AI analysis gives HAVERTY FURNITURE COMPANIES INC a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is HVT-A's free cash flow?
HAVERTY FURNITURE COMPANIES INC's operating cash flow is $52.6M, with capital expenditures of $19.7M. FCF margin is 4.3%.
How does HVT-A compare to other Consumer stocks?
Vs Consumer sector averages: Net margin 2.6% (avg: 8%), ROE 6.4% (avg: 18%), current ratio 1.87 (avg: 1.5).