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

$28.87

-0.36 (-1.23%)

Weekly Expected Move ±3.4%

$28 $29 $30 $31 $32

NYSE · Consumer Cyclical · Home Improvement · Tech Score Strong Buy · Power 72 · $450.2M mcap · 14M float · 0.832% daily turnover · Short 72% of daily vol

Credit Risk of going bust: lower than 61% of companies Debt: 33.6% of company value Bonds: none of note held by US funds details ▾

Of US companies ranked in the safest four tenths, about 1 in 3,500 filed for bankruptcy within a year (2020-2025).
If the stock fell to about $0.90 (down 97%), Haverty Furniture Companies, Inc. would be worth roughly what it owes.
Total debt $230.7M against a stock market value of $455.8M.
Distance to default 6.28 (Merton model): prices to 2026-10-26, balance sheet 2026-06-30, debt counted $115.4M (short-term plus half of long-term), stock volatility 31.7%; Altman Z'' 4.21. A ranking and a back-test, not a forecast.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

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

67.7 / 100

NoneWeakNarrowWide

Primary source: Efficient Scale · ROIC: 2.3% · 5Y Avg: 10.7%

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 (67.7/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Efficient Scale. ROIC of 2.3% 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-

Oct 27, 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: DCF (2/5), ROE (2/5), ROA (2/5), D/E (2/5), P/E (2/5).

Rating Change History

Date	From	To
2026-09-02	C+	B-
2026-08-18	B-	C+
2026-08-14	C+	B-
2026-08-10	B-	C+
2026-08-05	C	B-
2026-08-04	B-	C
2026-05-26	B	B-
2026-05-11	B-	B
2026-05-06	C	B-
2026-05-05	B	C

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.

★ ★ ★ ★ ★ 50 Grade B

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 (85/100) and lowest in Growth (27/100). A grade of B indicates above-average fundamentals with room for improvement in select areas.

Risk & Quality Signals

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

Altman Z-Score

3.11

Safe Zone

Piotroski F-Score

6/9

✓ ✓ ✗ ✓ ✗ ✗ ✓ ✓ ✓

Beneish M-Score

-2.75

Unlikely Manipulator

Ohlson O-Score

-6.64

Bankruptcy prob: 0.1%

Low Risk

Credit Rating

A+

Score: 77.5/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 5.21x

Accruals: -7.5%

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 3.11, 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 6/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. 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 -2.75 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: 77.5/100), 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

39.36x

PEG

-1.01x

P/S

0.58x

P/B

1.56x

P/FCF

10.61x

P/OCF

6.92x

EV/EBITDA

9.93x

EV/Revenue

0.70x

EV/EBIT

17.82x

EV/FCF

13.81x

Earnings Yield

2.78%

FCF Yield

9.42%

Shareholder Yield

9.65%

Graham Number

$16.90

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 39.4x earnings, HVT commands a growth premium. Graham's intrinsic value formula yields $16.90 per share, 71% 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

0.381

NI / EBT

Interest Burden

0.999

EBT / EBIT

EBIT Margin

0.039

EBIT / Rev

Asset Turnover

1.202

Rev / Assets

Equity Multiplier

2.168

Assets / Equity

ROE

3.9%

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 3.9% is driven by Asset Turnover (1.202), indicating efficient use of assets to generate revenue. A tax burden ratio of 0.38 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.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

$6.03

Price/Value

4.24x

Margin of Safety

-323.66%

Premium

323.66%

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, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. HVT trades at a 324% premium to its adjusted intrinsic value of $6.03, 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 39.4x.

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

$28.91

Median 1Y

$29.91

5th Pctile

$15.28

95th Pctile

$58.47

Ann. Volatility

41.2%

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

2,392

+2.5% YoY

Revenue / Employee

$317,306

Rev: $758,995,000

Profit / Employee

$8,248

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	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	Q2'26	Current
ROE	32.9%	35.7%	34.2%	32.2%	31.3%	32.8%	29.6%	25.3%	21.7%	18.8%	15.4%	12.7%	8.6%	6.5%	7.0%	6.4%	2.7%	2.8%	3.0%	3.9%	3.89%
ROA	12.6%	13.3%	12.9%	12.3%	12.3%	13.4%	12.3%	10.7%	9.5%	8.6%	7.2%	6.0%	4.0%	3.1%	3.3%	3.0%	1.3%	1.3%	1.4%	1.8%	1.79%
ROIC	30.0%	28.3%	27.6%	25.1%	23.7%	22.8%	20.2%	17.0%	15.3%	12.9%	10.3%	8.3%	5.4%	3.7%	4.1%	3.7%	1.6%	1.7%	1.7%	2.3%	2.35%
ROCE	22.6%	24.9%	24.8%	24.3%	23.7%	23.8%	20.9%	18.2%	15.6%	13.0%	10.7%	8.7%	5.4%	3.8%	4.3%	3.9%	4.2%	4.6%	5.0%	5.9%	5.94%
Gross Margin	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%	61.4%	61.42%
Operating Margin	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%	3.3%	3.33%
Net Margin	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%	2.7%	2.72%
EBITDA Margin	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%	6.5%	6.9%	6.91%
FCF Margin	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%	5.1%	5.06%
OCF Margin	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%	7.8%	7.77%
ROE 3Y Avg	snapshot only																				7.69%
ROE 5Y Avg	snapshot only																				16.08%
ROA 3Y Avg	snapshot only																				3.63%
ROIC 3Y Avg	snapshot only																				2.47%
ROIC Economic	snapshot only																				1.94%
Cash ROA	snapshot only																				9.24%
Cash ROIC	snapshot only																				14.42%
CROIC	snapshot only																				9.40%
NOPAT Margin	snapshot only																				1.26%
Pretax Margin	snapshot only																				3.92%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				38.11%
SBC / Revenue	snapshot only																				1.00%

Valuation

Metric	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	Q2'26	Current
P/E Ratio	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	36.01	39.358
P/S Ratio	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	0.54	0.582
P/B Ratio	1.57	1.81	1.46	1.19	1.19	1.46	1.53	1.42	1.33	1.74	1.69	1.27	1.39	1.14	1.02	1.07	1.16	1.25	1.13	1.43	1.559
P/FCF	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	10.61	10.613
P/OCF	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	6.92	6.917
EV/EBITDA	3.54	3.92	3.31	3.00	3.19	3.86	4.50	4.90	5.06	7.37	8.41	7.66	10.73	10.85	9.32	9.91	9.67	9.81	9.16	9.93	9.930
EV/Revenue	0.48	0.52	0.44	0.40	0.42	0.50	0.54	0.55	0.54	0.73	0.75	0.62	0.70	0.62	0.58	0.59	0.59	0.62	0.60	0.70	0.699
EV/EBIT	4.03	4.46	3.78	3.44	3.64	4.41	5.22	5.82	6.17	9.40	11.37	11.06	18.52	22.66	18.84	21.47	20.35	19.59	17.69	17.82	17.818
EV/FCF	5.38	8.36	7.27	13.91	23.61	23.00	41.04	56.94	12.83	14.35	17.02	10.70	18.13	16.78	13.81	15.93	11.16	14.20	19.91	13.81	13.813
Earnings Yield	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%	2.8%	2.78%
FCF Yield	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%	9.4%	9.42%
Price/Tangible Book	snapshot only																				1.426
EV/OCF	snapshot only																				9.002
EV/Gross Profit	snapshot only																				1.148
Acquirers Multiple	snapshot only																				21.029
Shareholder Yield	snapshot only																				9.65%
Graham Number	snapshot only																				$16.90

Leverage & Solvency

Metric	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	Q2'26	Current
Current Ratio	1.54	1.47	1.46	1.48	1.61	1.79	1.97	1.78	1.79	1.82	1.84	1.84	1.82	1.82	1.81	1.81	1.75	1.87	1.84	1.69	1.691
Quick Ratio	1.06	0.94	0.90	0.84	0.90	1.02	1.14	0.99	1.11	1.14	1.14	1.13	1.17	1.18	1.12	1.09	1.11	1.15	1.02	0.97	0.975
Debt/Equity	0.82	0.90	0.89	0.87	0.82	0.76	0.75	0.71	0.70	0.71	0.69	0.70	0.72	0.71	0.71	0.71	0.69	0.70	0.72	0.78	0.785
Net Debt/Equity	0.04	0.25	0.26	0.34	0.33	0.34	0.34	0.35	0.27	0.31	0.33	0.34	0.31	0.32	0.35	0.34	0.27	0.27	0.36	0.43	0.430
Debt/Assets	0.31	0.34	0.33	0.34	0.33	0.34	0.34	0.33	0.33	0.33	0.33	0.33	0.34	0.34	0.34	0.34	0.33	0.33	0.34	0.35	0.352
Debt/EBITDA	1.79	1.71	1.71	1.72	1.71	1.64	1.80	1.96	2.21	2.54	2.88	3.32	4.56	5.27	4.88	5.02	4.69	4.53	4.37	4.20	4.198
Net Debt/EBITDA	0.09	0.48	0.51	0.66	0.70	0.73	0.82	0.97	0.86	1.13	1.36	1.61	1.95	2.37	2.37	2.39	1.80	1.77	2.23	2.30	2.300
Interest Coverage	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	536.15	597.60	649.58	765.77	765.775
Equity Multiplier	2.62	2.68	2.66	2.60	2.44	2.24	2.19	2.15	2.14	2.12	2.09	2.09	2.14	2.11	2.10	2.11	2.13	2.11	2.11	2.23	2.231
Cash Ratio	snapshot only																				0.743
Debt Service Coverage	snapshot only																				1374.050
Cash to Debt	snapshot only																				0.452
FCF to Debt	snapshot only																				0.171
Defensive Interval	snapshot only																				84.7 days

Efficiency & Turnover

Metric	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	Q2'26	Current
Asset Turnover	1.35	1.48	1.45	1.40	1.42	1.57	1.54	1.46	1.36	1.32	1.27	1.22	1.12	1.11	1.12	1.13	1.13	1.17	1.19	1.20	1.202
Inventory Turnover	4.06	4.34	3.89	3.47	3.42	3.85	3.73	3.31	3.17	3.19	3.10	2.99	3.07	3.20	3.11	3.03	3.19	3.32	3.08	3.15	3.149
Receivables Turnover	1299.40	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Payables Turnover	13.79	13.98	15.13	12.51	14.71	16.23	18.19	14.87	16.52	16.10	19.63	16.13	14.90	16.85	16.63	16.31	15.16	19.66	16.65	16.45	16.453
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	90	84	94	105	107	95	98	110	115	114	118	122	119	114	117	120	114	110	119	116	115.9 days
DPO	26	26	24	29	25	22	20	25	22	23	19	23	25	22	22	22	24	19	22	22	22.2 days
Cash Conversion Cycle	64	58	70	76	82	72	78	86	93	92	99	100	94	92	95	98	90	91	97	94	93.7 days
Fixed Asset Turnover	snapshot only																				2.031
Cash Velocity	snapshot only																				7.483
Capital Intensity	snapshot only																				0.841

Growth (YoY)

Metric	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	Q2'26	Current
Revenue	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%	8.0%	7.96%
Net Income	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%	-40.6%	-40.56%
EPS	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%	-40.6%	-40.56%
FCF	-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%	46.9%	46.87%
EBITDA	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%	12.5%	27.1%	27.07%
Op. Income	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%	30.0%	30.04%
OCF Growth	snapshot only																				10.75%
Asset Growth	snapshot only																				2.08%
Equity Growth	snapshot only																				-3.54%
Debt Growth	snapshot only																				6.17%
Shares Change	snapshot only																				0.00%
Dividend Growth	snapshot only																				1.74%

Growth (CAGR)

Metric	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	Q2'26	Current
Revenue 3Y	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%	-7.5%	-7.50%
Revenue 5Y	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%	-3.8%	-3.76%
EPS 3Y	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%	-45.3%	-45.28%
EPS 5Y	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%	-31.1%	-31.09%
Net Income 3Y	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%	-45.6%	-45.63%
Net Income 5Y	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%	-33.0%	-32.95%
EBITDA 3Y	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%	-25.9%	-20.7%	-20.70%
EBITDA 5Y	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%	-9.4%	-14.9%	-14.94%
Gross Profit 3Y	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%	-6.1%	-6.12%
Gross Profit 5Y	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%	-2.4%	-2.39%
Op. Income 3Y	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%	-34.6%	-34.64%
Op. Income 5Y	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%	-24.7%	-24.68%
FCF 3Y	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%	60.9%	60.86%
FCF 5Y	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%	-23.0%	-22.98%
OCF 3Y	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%	-2.2%	-2.21%
OCF 5Y	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%	-18.0%	-17.98%
Assets 3Y	17.3%	16.0%	6.5%	7.4%	6.2%	5.0%	4.1%	0.3%	-1.1%	-1.3%	-3.3%	-5.5%	-4.8%	-1.9%	-2.5%	-2.5%	-2.0%	0.0%	-0.1%	-0.0%	-0.01%
Assets 5Y	10.3%	8.6%	8.8%	8.9%	8.1%	7.1%	7.3%	7.4%	7.4%	8.2%	2.2%	2.7%	2.6%	3.0%	2.3%	-0.3%	-1.4%	-0.9%	-1.8%	-2.9%	-2.93%
Equity 3Y	-0.1%	-2.3%	-2.6%	-0.1%	1.8%	3.6%	5.5%	4.9%	5.8%	6.8%	4.3%	2.0%	1.8%	6.3%	5.5%	4.6%	2.6%	2.1%	1.1%	-1.3%	-1.27%
Book Value 3Y	4.5%	0.4%	3.3%	6.2%	7.7%	9.3%	10.5%	9.4%	12.7%	10.7%	8.3%	6.2%	5.4%	11.5%	7.7%	6.0%	3.4%	2.8%	1.9%	-0.6%	-0.63%
Dividend 3Y	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%	1.2%	1.23%

Growth Quality

Metric	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	Q2'26	Current
Revenue Stability	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	0.63	0.627
Earnings Stability	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	0.93	0.927
Margin Stability	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	0.97	0.967
Rev. Growth Consistency	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	0.50	0.500
Earn. Growth Consistency	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	0.00	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	0.93	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	0.84	0.838
Earnings Smoothness	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	0.49	0.491
ROE Trend	0.19	0.20	0.17	0.14	0.08	0.01	-0.04	-0.08	-0.11	-0.15	-0.16	-0.16	-0.17	-0.18	-0.14	-0.12	-0.12	-0.10	-0.08	-0.06	-0.056
Gross Margin Trend	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	-0.00	-0.001
FCF Margin Trend	-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	0.00	0.003
Sustainable Growth Rate	13.8%	15.1%	14.3%	13.3%	12.9%	20.3%	17.3%	13.2%	10.1%	7.1%	3.6%	1.0%	-3.0%	-0.2%	0.2%	-0.4%	-4.1%	-4.0%	-3.9%	-3.2%	-3.16%
Internal Growth Rate	5.6%	5.9%	5.7%	5.3%	5.4%	9.1%	7.7%	5.9%	4.6%	3.3%	1.7%	0.5%	—	—	0.1%	—	—	—	—	—	—

Cash Flow Quality

Metric	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	Q2'26	Current
OCF/Net Income	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	5.21	5.206
FCF/OCF	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	0.65	0.652
FCF/Net Income	snapshot only																				3.393
OCF/EBITDA	snapshot only																				1.103
CapEx/Revenue	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%	2.7%	2.71%
CapEx/Depreciation	snapshot only																				0.868
Accruals Ratio	-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	-0.08	-0.075
Sloan Accruals	snapshot only																				-0.051
Cash Flow Adequacy	snapshot only																				1.436
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	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	Q2'26	Current
Dividend Yield	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%	5.0%	4.53%
Dividend/Share	$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	$1.29	$1.32
Payout Ratio	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%	1.8%	1.81%
FCF Payout Ratio	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%	53.4%	53.43%
Total Payout Ratio	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%	3.5%	3.47%
Div. Increase Streak	0	1	1	1	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Chowder Number	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	0.07	0.068
Buyback Yield	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%	4.6%	4.61%
Net Buyback Yield	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%	4.6%	4.61%
Total Shareholder Return	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%	9.6%	9.65%

DuPont Factors

Metric	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	Q2'26	Current
Tax Burden (NI/EBT)	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	0.38	0.381
Interest Burden (EBT/EBIT)	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	1.06	1.00	0.999
EBIT Margin	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	0.04	0.039
Asset Turnover	1.35	1.48	1.45	1.40	1.42	1.57	1.54	1.46	1.36	1.32	1.27	1.22	1.12	1.11	1.12	1.13	1.13	1.17	1.19	1.20	1.202
Equity Multiplier	2.62	2.69	2.64	2.62	2.53	2.45	2.41	2.36	2.28	2.18	2.14	2.12	2.14	2.12	2.10	2.10	2.14	2.11	2.11	2.17	2.168

Per Share

Metric	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	Q2'26	Current
EPS (Diluted TTM)	$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	$0.71	$0.71
Book Value/Share	$15.71	$13.24	$14.87	$15.61	$16.87	$17.26	$17.66	$18.25	$18.79	$18.43	$18.34	$18.39	$18.38	$18.37	$18.59	$18.56	$18.63	$18.75	$18.67	$17.90	$18.68
Tangible Book/Share	$15.71	$13.24	$14.87	$15.61	$16.87	$17.26	$17.66	$18.25	$18.79	$18.43	$18.34	$18.39	$18.38	$18.37	$18.59	$18.56	$18.63	$18.75	$18.67	$17.90	$17.90
Revenue/Share	$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	$47.51	$49.58
FCF/Share	$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	$2.41	$2.51
OCF/Share	$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	$3.69	$3.85
Cash/Share	$12.16	$8.60	$9.27	$8.39	$8.16	$7.34	$7.16	$6.52	$7.98	$7.21	$6.69	$6.58	$7.61	$7.17	$6.81	$6.93	$7.94	$8.03	$6.54	$6.35	$6.63
EBITDA/Share	$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	$3.06	$3.35	$3.35
Debt/Share	$12.82	$11.92	$13.20	$13.62	$13.77	$13.20	$13.23	$12.88	$13.11	$13.01	$12.69	$12.78	$13.27	$13.04	$13.26	$13.23	$12.90	$13.18	$13.35	$14.05	$14.05
Net Debt/Share	$0.67	$3.32	$3.93	$5.23	$5.61	$5.85	$6.07	$6.36	$5.13	$5.80	$6.01	$6.20	$5.66	$5.87	$6.44	$6.30	$4.95	$5.15	$6.81	$7.70	$7.70

Academic Models

Metric	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	Q2'26	Current
Altman Z-Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	3.105
Altman Z-Prime	snapshot only																				4.571
Piotroski F-Score	8	6	7	6	7	7	6	6	6	7	6	5	5	3	5	5	6	7	8	6	6
Beneish M-Score	-3.28	-2.40	-2.51	-2.29	-2.15	-2.17	-2.27	-2.65	-2.89	-3.06	-2.98	-2.88	-2.91	-2.82	-2.73	-2.68	-2.65	-2.54	-2.70	-2.75	-2.746
Ohlson O-Score	snapshot only																				-6.638
ROIC (Greenblatt)	snapshot only																				6.37%
Net-Net WC	snapshot only																				$-7.59
EVA	snapshot only																				$-32178487.89

Credit

Metric	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	Q2'26	Current
Credit Rating	snapshot only																				A+
Credit Score	80.32	79.36	74.76	75.42	78.59	86.92	83.76	77.66	80.48	81.41	81.42	75.50	73.45	68.06	68.18	68.17	73.52	78.52	77.62	77.46	77.459
Credit Grade	snapshot only																				5
Credit Trend	snapshot only																				9.290
Implied Spread (bps)	snapshot only																				125.000
Industry Credit Rank	snapshot only																				86
Sector Credit Rank	snapshot only																				68

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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