📊 HVT-A Key Takeaways
Is Haverty Furniture Companies Inc. (HVT-A) a Good Investment?
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.
Haverty shows a conservative, debt‑free balance sheet with solid liquidity and steady free cash generation. However, profitability is thin with slight YoY net income decline and modest returns, suggesting limited operating leverage amid a cyclical category. Fundamentals are sound but not compelling enough on growth or margins to warrant an aggressive stance.
Why Buy Haverty Furniture Companies Inc. Stock? 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
- Debt-free balance sheet with substantial cash reserves
- Consistent positive free cash flow and moderate capex
- Healthy gross margin supporting cash generation
HVT-A Stock Risks: Haverty Furniture Companies Inc. Investment Risks
- 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
- Cyclical furniture demand tied to housing and macro conditions
- Margin pressure from competitive pricing and cost inflation
- Low operating margin and ROE constrain value creation
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
- Operating margin
- Free cash flow margin
Haverty Furniture Companies Inc. (HVT-A) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 4.3% FCF margin may limit capital allocation flexibility.
HVT-A Profit Margin, ROE & Profitability Analysis
HVT-A vs Consumer Sector: How Haverty Furniture Companies Inc. Compares
How Haverty Furniture Companies Inc. compares to Consumer sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Haverty Furniture Companies Inc. Stock Overvalued? HVT-A Valuation Analysis 2026
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.
Haverty Furniture Companies Inc. Balance Sheet: HVT-A Debt, Cash & Liquidity
HVT-A Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Haverty Furniture Companies Inc.'s revenue has declined by 15% over the 5-year period, indicating business contraction.
HVT-A Revenue Growth, EPS Growth & YoY Performance
HVT-A Quarterly Earnings & 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.
Haverty Furniture Companies Inc. Dividends, Buybacks & Capital Allocation
HVT-A SEC Filings: Latest 10-K & 10-Q 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 a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 64% combined 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. ChatGPT: Debt-free balance sheet with substantial cash reserves. Consistent positive free cash flow and moderate capex.
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. ChatGPT: Cyclical furniture demand tied to housing and macro conditions. Margin pressure from competitive pricing and cost inflation.
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 64% 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).