Also trades as: HVT-A (NYSE) · $vol 0M

$23.49

+0.16 (+0.69%)

Weekly Expected Move ±4.4%

$21 $22 $23 $24 $25

NYSE · Consumer Cyclical · Home Improvement · Alpha Radar Buy · Power 70 · $375.5M mcap · 14M float · 0.872% daily turnover · Short 55% of daily vol

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

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Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NARROW EDGE

67.4 / 100

NoneWeakNarrowWide

Primary source: Efficient Scale · ROIC: 1.9% · 5Y Avg: 13.0%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale ★

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. HVT has a Narrow competitive edge (67.4/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Efficient Scale. ROIC of 1.9% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Analyst Recommendations

Strong Buy: 0Buy: 3Hold: 3Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$—

Analysts0

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2024-04-17	Compass Point	Anthony Lebiedzinski	Initiated	$42	—	+38.1%	$30.41

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B-

Jun 09, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. HVT receives an overall rating of B-. Strongest factors: P/B (4/5). Areas of concern: ROE (2/5), D/E (2/5), P/E (1/5).

Rating Change History

Date	From	To
2026-05-26	B	B-
2026-05-11	B-	B
2026-05-06	C	B-
2026-05-05	B	C
2026-04-01	C+	B
2026-02-27	C	C+
2026-02-26	C-	C
2026-02-24	B-	C-
2026-01-03	B	B-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 45 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. HVT scores highest in Earnings Quality (89/100) and lowest in Growth (25/100). An overall grade of A places HVT among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman Z-Score

3.04

Safe Zone

Piotroski F-Score

8/9

✓ ✓ ✗ ✓ ✓ ✓ ✓ ✓ ✓

Beneish M-Score

-2.71

Unlikely Manipulator

Ohlson O-Score

-6.68

Bankruptcy prob: 0.1%

Low Risk

Credit Rating

A+

Score: 76.6/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 4.83x

Accruals: -5.3%

The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. HVT scores 3.04, placing it in the Safe Zone (safe > 2.99, distress < 1.81). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. HVT scores 8/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. HVT's score of -2.71 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. HVT's implied 0.1% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. HVT receives an estimated rating of A+ (score: 76.6/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). HVT's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

40.68x

PEG

-0.73x

P/S

0.49x

P/B

1.20x

P/FCF

15.07x

P/OCF

7.98x

EV/EBITDA

8.79x

EV/Revenue

0.56x

EV/EBIT

17.32x

EV/FCF

18.73x

Earnings Yield

2.60%

FCF Yield

6.64%

Shareholder Yield

7.69%

Graham Number

$15.23

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 40.7x earnings, HVT is priced for high growth expectations. Graham's intrinsic value formula yields $15.23 per share, 53% below the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.328

NI / EBT

Interest Burden

1.102

EBT / EBIT

EBIT Margin

0.033

EBIT / Rev

Asset Turnover

1.181

Rev / Assets

Equity Multiplier

2.109

Assets / Equity

ROE

2.9%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. HVT's ROE of 2.9% is driven by Asset Turnover (1.181), indicating efficient use of assets to generate revenue. A tax burden ratio of 0.33 suggests the company retains less than 60% of pre-tax earnings after taxes.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$4.67

Price/Value

4.53x

Margin of Safety

-353.36%

Premium

353.36%

Assessment

Overvalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with HVT's realized 0.0% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. HVT trades at a 353% premium to its adjusted intrinsic value of $4.67, suggesting the market is pricing in future growth beyond what historical earnings support. The adjusted fair P/E of 8.5x compares to the current market P/E of 40.7x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$23.43

Median 1Y

$22.80

5th Pctile

$11.53

95th Pctile

$45.04

Ann. Volatility

41.8%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Clarence H. Smith CEO	$725,000	$1,150,562	$2,679,191
Rawson Haverty Jr. SVP, Real Estate	$350,000	$185,195	$1,568,564
Steven G. Burdette President	$500,000	$384,790	$1,302,850
Richard B. Hare EVP and CFO	$440,000	$338,614	$1,109,271
J. Edward Clary EVP and CIO	$400,000	$250,130	$938,334
John L. Gill EVP, Merchandising	$400,000	$250,130	$931,045

CEO Pay Ratio

Insufficient data for pay ratio.

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

—

-100.0% YoY

Revenue / Employee

—

Rev: $758,995,000

Profit / Employee

—

NI: $19,730,000

SGA / Employee

—

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	33.5%	35.8%	35.7%	35.7%	35.2%	35.3%	32.8%	30.2%	26.6%	23.9%	18.8%	15.5%	13.0%	9.0%	6.5%	6.9%	6.4%	2.7%	2.8%	2.9%	2.93%
ROA	13.9%	14.8%	13.3%	13.3%	13.1%	13.2%	13.4%	12.3%	10.9%	9.7%	8.6%	7.1%	6.0%	4.1%	3.1%	3.3%	3.0%	1.3%	1.3%	1.4%	1.39%
ROIC	29.1%	31.8%	28.3%	28.3%	28.0%	28.0%	22.8%	20.7%	18.0%	15.9%	12.9%	10.3%	8.4%	5.3%	3.7%	4.1%	3.7%	1.6%	1.7%	1.9%	1.86%
ROCE	22.5%	24.5%	24.9%	25.0%	24.9%	24.9%	23.8%	21.5%	18.8%	16.6%	13.0%	10.6%	8.6%	5.5%	3.8%	4.3%	3.9%	4.1%	4.6%	4.8%	4.84%
Gross Margin	56.6%	56.8%	56.4%	59.0%	57.9%	57.1%	57.0%	59.1%	60.5%	60.8%	62.4%	60.3%	60.4%	60.2%	61.9%	61.2%	60.8%	60.3%	60.4%	61.5%	61.47%
Operating Margin	11.6%	12.2%	12.1%	10.8%	11.2%	11.7%	11.2%	6.4%	7.2%	9.7%	7.9%	0.9%	2.7%	2.8%	4.5%	2.1%	1.5%	2.5%	4.7%	2.6%	2.61%
Net Margin	9.1%	9.3%	9.1%	8.1%	8.6%	8.9%	8.5%	5.5%	5.7%	7.8%	7.1%	1.3%	2.5%	2.8%	4.4%	2.1%	1.5%	-3.3%	4.2%	2.3%	2.25%
EBITDA Margin	13.2%	13.8%	13.7%	12.6%	13.0%	13.2%	12.7%	8.4%	9.5%	11.8%	10.2%	3.6%	5.6%	6.0%	7.7%	5.4%	4.8%	6.4%	8.3%	5.9%	5.94%
FCF Margin	15.4%	8.9%	6.2%	6.1%	2.9%	1.8%	2.2%	1.3%	1.0%	4.2%	5.1%	4.4%	5.8%	3.8%	3.7%	4.2%	3.7%	5.3%	4.3%	3.0%	3.01%
OCF Margin	17.3%	12.1%	9.6%	9.7%	6.5%	4.5%	4.9%	4.0%	6.6%	9.9%	11.3%	10.9%	9.4%	8.0%	8.1%	8.6%	7.6%	8.4%	6.9%	5.7%	5.69%
ROE 3Y Avg	snapshot only																				8.30%
ROE 5Y Avg	snapshot only																				17.76%
ROA 3Y Avg	snapshot only																				3.92%
ROIC 3Y Avg	snapshot only																				2.45%
ROIC Economic	snapshot only																				1.43%
Cash ROA	snapshot only																				6.72%
Cash ROIC	snapshot only																				11.11%
CROIC	snapshot only																				5.88%
NOPAT Margin	snapshot only																				0.95%
Pretax Margin	snapshot only																				3.59%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				38.04%
SBC / Revenue	snapshot only																				0.68%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	6.82	4.99	5.11	4.19	3.54	3.76	4.72	5.52	5.99	6.45	9.51	11.20	9.97	16.00	17.62	14.53	16.58	43.27	44.90	38.54	40.678
P/S Ratio	0.62	0.46	0.46	0.37	0.31	0.33	0.40	0.44	0.44	0.45	0.62	0.63	0.49	0.57	0.49	0.43	0.45	0.48	0.51	0.45	0.490
P/B Ratio	2.32	1.81	1.81	1.49	1.24	1.32	1.46	1.57	1.50	1.45	1.74	1.68	1.26	1.39	1.14	1.01	1.06	1.15	1.25	1.13	1.198
P/FCF	4.02	5.23	7.34	6.16	10.85	18.46	18.66	33.53	45.72	10.64	12.15	14.26	8.45	14.84	13.11	10.30	12.08	9.08	11.64	15.07	15.067
P/OCF	3.59	3.84	4.77	3.87	4.81	7.27	8.27	10.95	6.69	4.55	5.51	5.82	5.21	7.16	5.97	5.01	5.94	5.71	7.29	7.98	7.981
EV/EBITDA	5.02	3.69	3.92	3.28	2.82	2.97	3.86	4.47	4.83	5.18	7.37	8.36	7.56	10.78	10.85	9.15	9.79	10.04	9.81	8.79	8.794
EV/Revenue	0.66	0.50	0.52	0.44	0.37	0.39	0.50	0.53	0.54	0.56	0.73	0.75	0.61	0.70	0.62	0.57	0.59	0.61	0.62	0.56	0.564
EV/EBIT	5.79	4.21	4.46	3.74	3.22	3.39	4.41	5.19	5.73	6.31	9.40	11.30	10.91	18.60	22.66	18.50	21.21	21.15	19.59	17.32	17.324
EV/FCF	4.25	5.62	8.36	7.19	13.05	21.96	23.00	40.77	56.06	13.12	14.35	16.93	10.56	18.21	16.78	13.57	15.73	11.59	14.20	18.73	18.729
Earnings Yield	14.7%	20.0%	19.6%	23.9%	28.3%	26.6%	21.2%	18.1%	16.7%	15.5%	10.5%	8.9%	10.0%	6.3%	5.7%	6.9%	6.0%	2.3%	2.2%	2.6%	2.60%
FCF Yield	24.9%	19.1%	13.6%	16.2%	9.2%	5.4%	5.4%	3.0%	2.2%	9.4%	8.2%	7.0%	11.8%	6.7%	7.6%	9.7%	8.3%	11.0%	8.6%	6.6%	6.64%
Price/Tangible Book	snapshot only																				1.130
EV/OCF	snapshot only																				9.921
EV/Gross Profit	snapshot only																				0.929
Acquirers Multiple	snapshot only																				19.454
Shareholder Yield	snapshot only																				7.69%
Graham Number	snapshot only																				$15.23

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	1.55	1.55	1.47	1.47	1.47	1.47	1.79	1.79	1.79	1.79	1.82	1.82	1.82	1.82	1.82	1.82	1.82	1.82	1.87	1.87	1.868
Quick Ratio	1.11	1.11	0.94	0.94	0.94	0.94	1.02	1.02	1.02	1.02	1.14	1.14	1.14	1.14	1.18	1.18	1.18	1.18	1.15	1.15	1.148
Debt/Equity	0.92	0.92	0.90	0.90	0.90	0.90	0.76	0.76	0.76	0.76	0.71	0.71	0.71	0.71	0.71	0.71	0.71	0.71	0.70	0.70	0.703
Net Debt/Equity	0.13	0.13	0.25	0.25	0.25	0.25	0.34	0.34	0.34	0.34	0.31	0.31	0.31	0.31	0.32	0.32	0.32	0.32	0.27	0.27	0.275
Debt/Assets	0.34	0.34	0.34	0.34	0.34	0.34	0.34	0.34	0.34	0.34	0.33	0.33	0.33	0.33	0.34	0.34	0.34	0.34	0.33	0.33	0.333
Debt/EBITDA	1.89	1.75	1.71	1.70	1.70	1.70	1.64	1.79	2.01	2.21	2.54	2.95	3.39	4.47	5.27	4.89	5.05	4.84	4.53	4.40	4.401
Net Debt/EBITDA	0.27	0.25	0.48	0.47	0.47	0.47	0.73	0.79	0.89	0.98	1.13	1.32	1.51	1.99	2.37	2.20	2.27	2.18	1.77	1.72	1.719
Interest Coverage	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	536.15	597.60	624.08	624.075
Equity Multiplier	2.69	2.69	2.68	2.68	2.68	2.68	2.24	2.24	2.24	2.24	2.12	2.12	2.12	2.12	2.11	2.11	2.11	2.11	2.11	2.11	2.108
Cash Ratio	snapshot only																				0.988
Debt Service Coverage	snapshot only																				1229.325
Cash to Debt	snapshot only																				0.609
FCF to Debt	snapshot only																				0.107
Defensive Interval	snapshot only																				108.6 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	1.52	1.59	1.48	1.49	1.49	1.51	1.57	1.55	1.48	1.40	1.32	1.26	1.22	1.15	1.11	1.11	1.11	1.14	1.17	1.18	1.181
Inventory Turnover	4.20	4.38	4.34	4.31	4.29	4.34	3.85	3.79	3.57	3.30	3.19	3.02	2.91	2.76	3.20	3.17	3.18	3.26	3.32	3.35	3.351
Receivables Turnover	1238.16	1294.30	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Payables Turnover	13.80	14.38	13.98	13.87	13.81	13.99	16.23	16.01	15.09	13.94	16.10	15.19	14.68	13.91	16.85	16.70	16.71	17.14	19.66	19.82	19.818
DSO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DIO	87	83	84	85	85	84	95	96	102	111	114	121	125	132	114	115	115	112	110	109	108.9 days
DPO	26	25	26	26	26	26	22	23	24	26	23	24	25	26	22	22	22	21	19	18	18.4 days
Cash Conversion Cycle	61	58	58	58	59	58	72	73	78	84	92	97	100	106	92	93	93	91	91	91	90.5 days
Fixed Asset Turnover	snapshot only																				2.084
Cash Velocity	snapshot only																				5.812
Capital Intensity	snapshot only																				0.847

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	32.7%	37.1%	35.4%	26.1%	7.7%	4.5%	3.4%	1.8%	-3.2%	-9.7%	-17.7%	-20.5%	-19.5%	-19.6%	-16.2%	-12.3%	-8.9%	-1.0%	5.0%	6.4%	6.39%
Net Income	2.1%	1.3%	53.5%	18.3%	4.3%	-2.2%	-1.6%	-9.2%	-19.1%	-27.7%	-37.0%	-43.7%	-46.2%	-58.9%	-64.6%	-53.9%	-49.7%	-69.3%	-57.2%	-57.7%	-57.70%
EPS	2.1%	1.5%	47.9%	26.5%	14.9%	8.0%	13.4%	-5.3%	-17.5%	-27.7%	-36.8%	-43.5%	-46.1%	-58.6%	-64.6%	-53.1%	-48.9%	-68.7%	-56.3%	-57.7%	-57.70%
FCF	1.4%	-6.1%	-47.0%	-61.0%	-80.0%	-79.1%	-64.2%	-78.1%	-67.5%	1.2%	95.0%	1.7%	3.8%	-26.9%	-39.2%	-17.3%	-41.6%	35.6%	23.0%	-23.3%	-23.31%
EBITDA	4.1%	2.6%	1.2%	65.1%	9.6%	1.8%	0.1%	-8.8%	-18.5%	-26.2%	-36.3%	-40.3%	-41.7%	-51.3%	-51.7%	-39.4%	-32.7%	-7.4%	15.1%	10.2%	10.17%
Op. Income	25.5%	5.4%	1.8%	83.0%	10.5%	1.5%	-0.4%	-10.4%	-21.4%	-30.8%	-42.9%	-48.8%	-52.1%	-65.6%	-70.5%	-59.5%	-55.2%	-29.5%	6.6%	0.7%	0.70%
OCF Growth	snapshot only																				-29.61%
Asset Growth	snapshot only																				0.05%
Equity Growth	snapshot only																				0.12%
Debt Growth	snapshot only																				-0.90%
Shares Change	snapshot only																				0.00%
Dividend Growth	snapshot only																				0.85%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	4.8%	6.3%	7.4%	8.0%	8.4%	9.0%	9.3%	9.1%	11.4%	8.9%	4.8%	0.7%	-5.7%	-8.8%	-10.6%	-10.8%	-10.8%	-10.5%	-10.2%	-9.5%	-9.47%
Revenue 5Y	3.0%	3.9%	4.3%	4.2%	4.2%	4.6%	5.0%	4.8%	3.7%	2.5%	1.1%	0.4%	-0.1%	-1.2%	-2.1%	-1.9%	0.3%	0.6%	0.3%	-1.0%	-0.98%
EPS 3Y	65.7%	64.1%	48.1%	57.7%	57.7%	61.6%	68.8%	67.7%	43.7%	25.5%	1.9%	-12.2%	-20.0%	-31.4%	-36.7%	-36.9%	-39.0%	-54.6%	-54.0%	-51.8%	-51.80%
EPS 5Y	30.1%	31.9%	28.9%	30.3%	30.0%	31.8%	40.5%	37.7%	34.0%	28.1%	18.4%	16.0%	11.8%	4.8%	1.5%	4.5%	-3.9%	-23.9%	-30.4%	-33.1%	-33.08%
Net Income 3Y	58.9%	56.9%	44.2%	48.7%	48.3%	52.8%	59.9%	60.1%	37.9%	17.8%	-1.6%	-15.5%	-23.2%	-33.7%	-39.7%	-38.3%	-39.8%	-55.0%	-54.3%	-52.1%	-52.14%
Net Income 5Y	26.2%	28.2%	26.2%	25.1%	24.1%	25.3%	33.5%	30.9%	27.6%	22.3%	13.2%	10.9%	7.3%	1.2%	-1.8%	1.2%	-6.7%	-27.1%	-32.1%	-34.8%	-34.82%
EBITDA 3Y	20.9%	22.7%	23.5%	27.5%	29.9%	35.1%	41.5%	39.6%	65.9%	38.8%	12.8%	-3.5%	-19.6%	-28.5%	-32.5%	-30.9%	-31.6%	-30.7%	-29.3%	-26.4%	-26.44%
EBITDA 5Y	11.8%	13.5%	13.0%	12.6%	11.6%	12.2%	13.2%	11.7%	9.5%	6.8%	3.7%	2.4%	0.8%	-2.4%	-2.7%	-0.4%	12.4%	3.8%	-4.4%	-9.7%	-9.73%
Gross Profit 3Y	6.4%	7.8%	8.8%	9.6%	10.3%	11.1%	11.6%	11.4%	14.1%	11.6%	7.7%	3.3%	-3.3%	-6.7%	-8.6%	-8.9%	-9.0%	-8.7%	-8.7%	-7.9%	-7.90%
Gross Profit 5Y	4.2%	5.1%	5.3%	5.3%	5.3%	5.7%	6.3%	6.1%	5.2%	4.2%	3.2%	2.6%	2.1%	1.0%	0.2%	0.4%	2.7%	2.6%	1.9%	0.5%	0.49%
Op. Income 3Y	39.4%	40.9%	41.6%	46.2%	47.7%	54.1%	63.4%	62.5%	1.8%	64.9%	17.3%	-5.7%	-25.4%	-37.7%	-44.8%	-43.0%	-44.7%	-44.8%	-43.6%	-40.7%	-40.69%
Op. Income 5Y	19.7%	22.4%	21.9%	21.4%	19.8%	20.9%	22.9%	21.2%	18.6%	14.5%	10.0%	7.5%	3.9%	-2.7%	-6.0%	-2.3%	37.6%	1.7%	-12.7%	-19.3%	-19.30%
FCF 3Y	64.8%	31.1%	8.9%	7.7%	-11.2%	-28.7%	-21.4%	-13.4%	-45.8%	-24.9%	-28.2%	-38.7%	-31.9%	-30.9%	-24.8%	-21.3%	-2.7%	28.8%	13.4%	19.4%	19.44%
FCF 5Y	60.7%	29.9%	15.9%	6.8%	-9.4%	-15.2%	-4.2%	-13.9%	-21.9%	0.3%	-2.1%	-5.9%	2.0%	-10.6%	-10.5%	7.6%	-14.7%	-16.0%	-22.7%	-31.9%	-31.95%
OCF 3Y	38.7%	21.7%	11.4%	13.3%	5.3%	-11.2%	-7.0%	4.5%	-3.9%	-4.2%	-9.3%	-19.5%	-23.0%	-20.6%	-15.4%	-14.3%	-6.0%	10.2%	1.1%	1.6%	1.64%
OCF 5Y	29.6%	17.4%	10.1%	6.8%	-1.1%	-5.5%	-0.6%	-5.5%	1.2%	6.8%	6.7%	5.7%	5.8%	-2.0%	-1.5%	11.2%	-5.6%	-9.9%	-16.6%	-24.0%	-23.95%
Assets 3Y	13.8%	13.8%	16.0%	16.0%	16.0%	16.0%	5.0%	5.0%	5.0%	5.0%	-1.3%	-1.3%	-1.3%	-1.3%	-1.9%	-1.9%	-1.9%	-1.9%	0.0%	0.0%	0.00%
Assets 5Y	7.6%	7.6%	8.6%	8.6%	8.6%	8.6%	7.1%	7.1%	7.1%	7.1%	8.2%	8.2%	8.2%	8.2%	3.0%	3.0%	3.0%	3.0%	-0.9%	-0.9%	-0.94%
Equity 3Y	-4.9%	-4.9%	-2.3%	-2.3%	-2.3%	-2.3%	3.6%	3.6%	3.6%	3.6%	6.8%	6.8%	6.8%	6.8%	6.3%	6.3%	6.3%	6.3%	2.1%	2.1%	2.09%
Book Value 3Y	-0.8%	-0.5%	0.4%	3.6%	3.9%	3.3%	9.3%	8.4%	8.0%	10.4%	10.7%	10.9%	11.2%	10.6%	11.5%	8.6%	7.7%	7.1%	2.8%	2.8%	2.83%
Dividend 3Y	60.8%	62.7%	4.0%	7.4%	6.5%	5.5%	-8.7%	-9.3%	-9.4%	-7.2%	4.9%	5.2%	5.4%	4.8%	-12.5%	-14.6%	-15.6%	-16.4%	1.3%	1.0%	1.01%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.06	0.11	0.18	0.31	0.35	0.41	0.50	0.62	0.53	0.38	0.23	0.15	0.03	0.00	0.04	0.06	0.00	0.01	0.05	0.16	0.156
Earnings Stability	0.41	0.53	0.65	0.64	0.68	0.75	0.85	0.78	0.70	0.61	0.46	0.27	0.13	0.02	0.00	0.03	0.12	0.35	0.61	0.83	0.834
Margin Stability	0.98	0.98	0.98	0.98	0.97	0.97	0.97	0.97	0.97	0.97	0.96	0.96	0.96	0.96	0.95	0.95	0.95	0.96	0.96	0.96	0.964
Rev. Growth Consistency	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.500
Earn. Growth Consistency	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.93	0.98	0.99	0.99	0.96	0.92	0.89	0.85	0.83	0.82	0.50	0.50	0.50	0.80	0.50	0.50	0.50	0.500
Earnings Smoothness	0.00	0.21	0.58	0.83	0.96	0.98	0.98	0.90	0.79	0.68	0.55	0.44	0.40	0.17	0.05	0.26	0.34	0.00	0.20	0.19	0.189
ROE Trend	0.24	0.24	0.20	0.16	0.13	0.09	0.01	-0.04	-0.09	-0.13	-0.15	-0.17	-0.17	-0.20	-0.18	-0.15	-0.12	-0.13	-0.10	-0.08	-0.081
Gross Margin Trend	0.02	0.02	0.02	0.02	0.02	0.02	0.01	0.01	0.01	0.02	0.03	0.04	0.03	0.03	0.02	0.02	0.01	0.01	-0.00	-0.00	-0.002
FCF Margin Trend	0.09	-0.01	-0.05	-0.05	-0.09	-0.09	-0.09	-0.12	-0.08	-0.01	0.01	0.01	0.04	0.01	0.00	0.01	0.00	0.01	-0.00	-0.01	-0.013
Sustainable Growth Rate	13.0%	15.1%	15.1%	14.9%	14.5%	14.6%	20.3%	17.7%	13.9%	11.1%	7.1%	3.6%	1.0%	-3.2%	-0.2%	0.2%	-0.4%	-4.1%	-4.0%	-3.9%	-3.88%
Internal Growth Rate	5.7%	6.6%	5.9%	5.9%	5.7%	5.7%	9.1%	7.8%	6.0%	4.7%	3.3%	1.7%	0.5%	—	—	0.1%	—	—	—	—	—

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.90	1.30	1.07	1.08	0.74	0.52	0.57	0.50	0.89	1.42	1.73	1.93	1.91	2.24	2.95	2.90	2.79	7.58	6.16	4.83	4.828
FCF/OCF	0.89	0.73	0.65	0.63	0.44	0.39	0.44	0.33	0.15	0.43	0.45	0.41	0.62	0.48	0.46	0.49	0.49	0.63	0.63	0.53	0.530
FCF/Net Income	snapshot only																				2.558
OCF/EBITDA	snapshot only																				0.886
CapEx/Revenue	1.9%	3.2%	3.4%	3.6%	3.6%	2.7%	2.7%	2.7%	5.6%	5.7%	6.2%	6.4%	3.6%	4.1%	4.4%	4.4%	3.9%	3.1%	2.6%	2.7%	2.67%
CapEx/Depreciation	snapshot only																				0.847
Accruals Ratio	-0.12	-0.04	-0.01	-0.01	0.03	0.06	0.06	0.06	0.01	-0.04	-0.06	-0.07	-0.05	-0.05	-0.06	-0.06	-0.05	-0.08	-0.07	-0.05	-0.053
Sloan Accruals	snapshot only																				-0.024
Cash Flow Adequacy	snapshot only																				1.051
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	9.0%	11.6%	11.3%	13.9%	16.6%	15.6%	8.1%	7.5%	8.0%	8.3%	6.6%	6.8%	9.2%	8.5%	5.8%	6.7%	6.4%	5.8%	5.4%	6.0%	5.62%
Dividend/Share	$2.79	$2.87	$2.71	$3.01	$3.08	$3.14	$2.02	$2.04	$2.06	$2.07	$2.11	$2.13	$2.15	$2.16	$1.22	$1.27	$1.26	$1.26	$1.27	$1.28	$1.31
Payout Ratio	61.1%	57.9%	57.8%	58.1%	58.8%	58.7%	38.0%	41.5%	47.7%	53.6%	62.6%	76.7%	92.1%	1.4%	1.0%	97.4%	1.1%	2.5%	2.4%	2.3%	2.32%
FCF Payout Ratio	36.0%	60.8%	83.0%	85.4%	1.8%	2.9%	1.5%	2.5%	3.6%	88.4%	79.9%	97.7%	78.0%	1.3%	76.3%	69.1%	77.1%	52.9%	63.2%	90.8%	90.83%
Total Payout Ratio	77.2%	80.2%	1.0%	1.2%	1.3%	1.2%	71.6%	66.2%	60.2%	64.8%	82.1%	98.4%	1.2%	1.6%	1.4%	1.4%	1.5%	3.5%	3.1%	3.0%	2.96%
Div. Increase Streak	0	0	1	1	1	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Chowder Number	2.75	2.88	0.15	0.18	0.17	0.15	-0.27	-0.28	-0.27	-0.26	0.10	0.11	0.13	0.12	-0.36	-0.35	-0.36	-0.37	0.07	0.07	0.069
Buyback Yield	2.4%	4.5%	9.0%	14.3%	21.1%	15.5%	7.1%	4.5%	2.1%	1.7%	2.0%	1.9%	2.6%	1.6%	2.4%	2.7%	2.5%	2.2%	1.5%	1.7%	1.66%
Net Buyback Yield	2.4%	4.5%	9.0%	14.3%	21.1%	15.5%	7.1%	4.5%	2.1%	1.7%	2.0%	1.9%	2.6%	1.6%	2.4%	2.7%	2.5%	2.2%	1.5%	1.7%	1.66%
Total Shareholder Return	11.3%	16.1%	20.3%	28.2%	37.7%	31.1%	15.2%	12.0%	10.1%	10.0%	8.6%	8.8%	11.8%	10.1%	8.2%	9.4%	8.8%	8.1%	6.9%	7.7%	7.69%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.78	0.78	0.77	0.76	0.76	0.76	0.75	0.75	0.75	0.75	0.77	0.77	0.76	0.76	0.76	0.76	0.75	0.32	0.32	0.33	0.328
Interest Burden (EBT/EBIT)	1.03	1.01	1.00	1.00	1.00	1.00	1.01	1.03	1.04	1.06	1.08	1.11	1.15	1.24	1.32	1.28	1.31	1.20	1.12	1.10	1.102
EBIT Margin	0.11	0.12	0.12	0.12	0.12	0.11	0.11	0.10	0.09	0.09	0.08	0.07	0.06	0.04	0.03	0.03	0.03	0.03	0.03	0.03	0.033
Asset Turnover	1.52	1.59	1.48	1.49	1.49	1.51	1.57	1.55	1.48	1.40	1.32	1.26	1.22	1.15	1.11	1.11	1.11	1.14	1.17	1.18	1.181
Equity Multiplier	2.42	2.42	2.69	2.69	2.69	2.69	2.45	2.45	2.45	2.45	2.18	2.18	2.18	2.18	2.12	2.12	2.12	2.12	2.11	2.11	2.109

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$4.56	$4.95	$4.70	$5.18	$5.24	$5.35	$5.33	$4.91	$4.33	$3.86	$3.37	$2.77	$2.33	$1.60	$1.19	$1.30	$1.19	$0.50	$0.52	$0.55	$0.55
Book Value/Share	$13.43	$13.63	$13.24	$14.62	$14.98	$15.22	$17.26	$17.24	$17.28	$17.19	$18.43	$18.44	$18.46	$18.42	$18.37	$18.72	$18.72	$18.72	$18.75	$18.75	$19.48
Tangible Book/Share	$13.43	$13.63	$13.24	$14.62	$14.98	$15.22	$17.26	$17.24	$17.28	$17.19	$18.43	$18.44	$18.46	$18.42	$18.37	$18.72	$18.72	$18.72	$18.75	$18.75	$18.75
Revenue/Share	$50.17	$53.24	$52.40	$57.97	$59.59	$61.41	$62.45	$61.55	$58.89	$55.35	$51.53	$49.12	$47.52	$44.75	$43.17	$43.86	$44.01	$45.14	$46.21	$46.66	$48.69
FCF/Share	$7.74	$4.72	$3.27	$3.53	$1.71	$1.09	$1.35	$0.81	$0.57	$2.34	$2.63	$2.18	$2.76	$1.72	$1.60	$1.83	$1.64	$2.38	$2.01	$1.41	$1.47
OCF/Share	$8.67	$6.43	$5.03	$5.61	$3.86	$2.76	$3.04	$2.47	$3.87	$5.48	$5.81	$5.34	$4.47	$3.57	$3.52	$3.77	$3.33	$3.79	$3.20	$2.65	$2.77
Cash/Share	$10.62	$10.78	$8.60	$9.49	$9.72	$9.88	$7.34	$7.34	$7.35	$7.31	$7.21	$7.21	$7.22	$7.20	$7.17	$7.31	$7.31	$7.31	$8.03	$8.03	$7.25
EBITDA/Share	$6.55	$7.18	$6.97	$7.74	$7.92	$8.06	$8.04	$7.36	$6.58	$5.94	$5.13	$4.41	$3.85	$2.91	$2.48	$2.72	$2.63	$2.75	$2.91	$2.99	$2.99
Debt/Share	$12.40	$12.59	$11.92	$13.15	$13.48	$13.70	$13.20	$13.18	$13.21	$13.14	$13.01	$13.02	$13.04	$13.00	$13.04	$13.29	$13.29	$13.29	$13.18	$13.18	$13.18
Net Debt/Share	$1.78	$1.81	$3.32	$3.67	$3.76	$3.82	$5.85	$5.85	$5.86	$5.83	$5.80	$5.81	$5.81	$5.80	$5.87	$5.99	$5.99	$5.99	$5.15	$5.15	$5.15

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.035
Altman Z-Prime	snapshot only																				4.599
Piotroski F-Score	8	8	6	8	7	6	7	6	5	5	7	7	6	6	3	5	5	5	7	8	8
Beneish M-Score	-2.73	-3.38	-2.40	-2.52	-2.30	-2.11	-2.17	-2.26	-2.65	-2.91	-3.06	-2.97	-2.86	-2.90	-2.82	-2.73	-2.67	-2.66	-2.54	-2.71	-2.705
Ohlson O-Score	snapshot only																				-6.680
ROIC (Greenblatt)	snapshot only																				5.16%
Net-Net WC	snapshot only																				$-5.59
EVA	snapshot only																				$-31958712.98

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				A+
Credit Score	86.74	81.78	76.92	74.69	72.35	73.37	86.30	79.02	75.83	79.73	80.38	80.35	74.83	71.35	66.42	67.62	67.37	71.67	76.44	76.58	76.578
Credit Grade	snapshot only																				5
Credit Trend	snapshot only																				8.953
Implied Spread (bps)	snapshot only																				125.000
Industry Credit Rank	snapshot only																				78
Sector Credit Rank	snapshot only																				70

HVT NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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