Assay
Financial-condition grades for SEC filers
Company Report · as of Oct 9, 2026
|
| Haverty Furniture Companies Inc.HVT · shops | |
|---|---|
| Grade |  B/Con the B/C boundary of 258 graded peers; percentile 37.9, sampling error 2.9 points; lower is stronger |
| Rank | 98 of 258 |
| Profitability | B/Cpercentile 42.8 |
| Solvency | Bpercentile 30.1 |
| Growth and financing | C/Dpercentile 61.6 |
| Reliability | 0.91 AUCfailure model, filers with $591M to $2.67B assets; 95% interval 0.88 to 0.94; 160 events, 2020 to 2025 |
| Peer failure rate | 1.01% a yearItem 1.03 bankruptcies, same asset band, 2012 to 2025 |
| Size band | $591M to $2.67B assetstotal assets $649.1M[1] |
| Standard universe | insiderevenue above $1M and assets above $10M[1-2] |
| Warnings | none active · fortress balance sheetnot computable: dilution, distress |
| Inputs computable | 7 of 14 |
| Graded from | filings received through Feb 26, 2026225 days before the rescan; every figure keyed to the SEC receipt date |
| Last close | $27.542026-10-08; market equity $0; iex feed |
| Price used in grade | None |
| Share price, twelve months to the rescansplit-adjusted close; a lollipop at every rescan carries the letter held then; baseline ticks are SEC receipt dates of the inputs; ranges and dragging scroll the full history | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Percentile at every rescan on file, Jan 21, 2012 to Oct 9, 2026; stronger toward the top. Hover for the date. Open this report as it stood on | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Each date opens the report as it stood on that rescan. |
Business, in the company's words. Opening of Item 1 of the 10-K received Feb 26, 2026; the document on sec.gov.
Unless otherwise indicated by the context, we use the terms “Havertys,” “we,” “our,” or “us” when referring to the consolidated operations of Haverty Furniture Companies, Inc. and subsidiary. Havertys is a specialty retailer of residential furniture and accessories. Our founder, J.J. Haverty began the business in 1885 in Atlanta, Georgia with one store and made deliveries using horse-drawn wagons. The Company grew to 18 stores and was incorporated in September 1929. Anticipating further growth, the Company accessed additional capital through its initial public offering in October 1929.
Warnings [top]
7 checks ran; none of them enters the letter. The checks are listed on the warnings screen.
The Fourteen Inputs [top]
Lower percentile is stronger. Source numbers open the SEC filing; a range that spans filings opens the sources table.
| Input | Percentile, 0 to 100 | Value | Source | Peer median | Percentile | Peers | Period end |
|---|---|---|---|---|---|---|---|
| Profitability, sleeve percentile 42.8 | |||||||
| Gross profitability | 70.9% | [1,5] | 42.6% | 17.2 | 242 | 2025-12-31 | |
| Return on invested capital | not computable | 10.9% | |||||
| one or more required annual facts are missing | |||||||
| Accruals ratio | (5.1%) | [1,6-8] | (4.9%) | 50.9 | 287 | 2025-12-31 | |
| Gross margin stability, five years | 1.7 pts | [2,5,9-16] | 1.2 pts | 60.3 | 219 | 2025-12-31 | |
| Solvency, sleeve percentile 30.1 | |||||||
| Twelve-month failure probability | not computable | 0.04% | |||||
| firm-wide XBRL shares cannot be assigned to one ticker class | |||||||
| Altman Z double-prime | not computable | 1.92 | |||||
| one or more required annual facts are missing | |||||||
| Net debt to EBITDA | not computable | 1.84x | |||||
| one or more required annual facts are missing | |||||||
| Interest coverage | not computable | 2.26x | |||||
| one or more required annual facts are missing | |||||||
| Current ratio | 1.87x | [17-18] | 1.37x | 30.1 | 295 | 2025-12-31 | |
| Growth and financing, sleeve percentile 61.6 | |||||||
| Revenue growth, three-year compound | (10.2%) | [2,10,12,14] | 1.5% | 87.9 | 269 | 2025-12-31 | |
| Free cash flow growth, three-year compound | 13.4% | [7,19-25] | 5.6% | 33.2 | 147 | 2025-12-31 | |
| Reinvestment rate | not computable | 7.3% | |||||
| one or more required annual facts are missing | |||||||
| Asset growth, three years | 0.00% | [1,8,26-27] | 3.4% | 63.7 | 272 | 2025-12-31 | |
| Net share issuance, one year | not computable | (0.6%) | |||||
| firm-wide XBRL shares cannot be assigned to one ticker class | |||||||
Gross profitability. Revenue less cost of goods sold, over total assets.
Accruals ratio. Net income less operating cash flow, over average assets; lower is stronger.
Gross margin stability, five years. Standard deviation of gross margin; lower is stronger.
Twelve-month failure probability. CHS model; lower is stronger.
Net debt to EBITDA. Lower is stronger.
Net share issuance, one year. Split-adjusted; lower is stronger.
Sleeves are equal-weighted; within a sleeve each computable input carries equal weight. Composite -0.110; sampling error 2.9 percentile points on 258 peers.
Among 258 Peers [top]
Composite score of every graded peer, smoothed. Vertical rules are the letter band edges at the 20th, 40th, 60th and 80th percentiles. Small dots are the six largest peers by market equity.
| Rank | Company | Percentile | Letter | Warnings |
|---|---|---|---|---|
| 93 | Alta Equipment Group Inc. (ALTG-PA) Alta Equipment Group Inc. (ALTG-PA) Bsecond fifth; percentile 35.6 NYSE · Wholesale-Industrial Machinery & Equipment No active warnings; 10 of 14 inputs | 35.6 | B | |
| 94 | Reborn Coffee, Inc. (REBN) Reborn Coffee, Inc. (REBN) Bsecond fifth; percentile 36.2 Nasdaq · Retail-Eating Places market equity $16.3M; last close $1.87 Warnings: dilution, late filer, fortress balance sheet; 7 of 14 inputs | 36.2 | B | dilution, late filer, fortress balance sheet |
| 95 | Avnet Inc. (AVT) Avnet Inc. (AVT) Bsecond fifth; percentile 36.6 Nasdaq · Wholesale-Electronic Parts & Equipment, NEC market equity $8.2B; last close $99.50 No active warnings; 8 of 14 inputs | 36.6 | B | |
| 96 | Dollar General Corp. (DG) Dollar General Corp. (DG) Bsecond fifth; percentile 37.0 NYSE · Retail-Variety Stores market equity $27.4B; last close $124.17 No active warnings; 12 of 14 inputs | 37.0 | B | |
| 97 | Zumiez Inc. (ZUMZ) Zumiez Inc. (ZUMZ) B/Con the B/C boundary; percentile 37.4 Nasdaq · Retail-Apparel & Accessory Stores market equity $217.8M; last close $14.24 Warnings: fortress balance sheet; 9 of 14 inputs | 37.4 | B/C | fortress balance sheet |
| 98 | Haverty Furniture Companies Inc. (HVT) Haverty Furniture Companies Inc. (HVT) B/Con the B/C boundary; percentile 37.9 NYSE · Retail-Furniture Stores last close $27.54 Warnings: fortress balance sheet; 7 of 14 inputs | 37.9 | B/C | fortress balance sheet |
| 99 | Haverty Furniture Companies Inc. (HVT-A) Haverty Furniture Companies Inc. (HVT-A) B/Con the B/C boundary; percentile 37.9 NYSE · Retail-Furniture Stores last close $41.98 Warnings: fortress balance sheet; 7 of 14 inputs | 37.9 | B/C | fortress balance sheet |
| 100 | Openlane, Inc. (OPLN) Openlane, Inc. (OPLN) B/Con the B/C boundary; percentile 38.5 NYSE · Retail-Auto Dealers & Gasoline Stations market equity $4.4B; last close $35.67 No active warnings; 9 of 14 inputs | 38.5 | B/C | |
| 101 | Giftify, Inc. (GIFT) Giftify, Inc. (GIFT) B/Con the B/C boundary; percentile 38.9 Nasdaq · Retail-Catalog & Mail-Order Houses market equity $20.4M; last close $0.63 No active warnings; 7 of 14 inputs | 38.9 | B/C | |
| 102 | Murphy USA Inc. (MUSA) Murphy USA Inc. (MUSA) B/Con the B/C boundary; percentile 39.3 NYSE · Retail-Auto Dealers & Gasoline Stations market equity $9.5B; last close $518.29 No active warnings; 10 of 14 inputs | 39.3 | B/C | |
| 103 | YUM Brands Inc. (YUM) YUM Brands Inc. (YUM) B/Con the B/C boundary; percentile 39.7 NYSE · Retail-Eating Places market equity $39.0B; last close $143.14 No active warnings; 12 of 14 inputs | 39.7 | B/C |
| Peer policy | Letter | Percentile | Peers |
|---|---|---|---|
| all graded filers, equal sleeves | C | 52.8 | 2204 |
| sector peers, equal sleeves (the grade) | B/C | 37.9 | 258 |
| same exchange, equal sleeves | B/C | 41.5 | 984 |
| sector peers, equal inputs | C | 50.8 | 258 |
Each letter is one fifth of the 258 graded peers, about 51 companies. A boundary letter (A/B, B/C, C/D, D/E) marks a percentile within one sampling error of a band edge.
What the Price Implies [top]
Market measures at the 2026-10-08 close. None enters the grade. Percentile among graded peers with the same measure.
| Measure | Value | Peer median | Percentile | Reading |
|---|---|---|---|---|
| Twelve-month price change, skipping the latest month | 29.9% | (0.1%) | 77 | hotter than 77 of 100 peers |
| Distance from 52-week high | (5.4%) | (24.1%) | 92 | closer to its high than 92 of 100 peers |
| EBIT to enterprise value | not computable | 5.3% | required accounting or market input is missing | |
| Free cash flow yield | not computable | 4.2% | required accounting or market input is missing | |
| Book value to price | not computable | 0.36 | required accounting or market input is missing | |
| Sales to price | not computable | 1.75 | required accounting or market input is missing | |
| Composite equity issuance, five years | not computable | (16.7%) | required accounting or market input is missing | |
| Relative strength against the sector, log excess return | 0.29 | 0.02 | 77 | ahead of 77 of 100 peers |
Inputs: free cash flow $33.0M; book equity $294.1M; sales $759.0M; debt $0; cash $104.3M[28].
Diagnostics [top]
Diagnostics do not feed the grade.
| Piotroski F-score: None of 9, period end 2025-12-31 | ||
|---|---|---|
| Return on assets above zero | 3.0% | ✓ pass[6,8] |
| Operating cash flow above zero | $52.6M | ✓ pass[7] |
| Return on assets improved | (0.0 pts) | ✗ fail[6,8,26,29] |
| Operating cash flow exceeds net income | $32.9M | ✓ pass[6-7] |
| Long-term leverage fell | n/a[1,8,26] | |
| Current ratio improved | 5.3 pts | ✓ pass[17-18,30-31] |
| No new shares issued | n/a | |
| Gross margin improved | (0.1 pts) | ✗ fail[2,5,9-10] |
| Asset turnover improved | 6.5 pts | ✓ pass[2,8,10,26] |
| Cash, filings, liquidity | |
|---|---|
| Cash and equivalents | $104.3M[32] |
| Operating cash flow, four quarters | $60.6M[7,32-36] |
| Months of runway | not finite |
| trailing operating cash flow is nonnegative, so runway is not finite | |
| Late filings, two years | 0 |
| NT 10-K or NT 10-Q | |
| Days since last periodic filing | 66 |
| 10-Q received Aug 4, 2026 | |
| Median daily dollar volume | $3.0M |
| 63 sessions | |
| Days since newest grade input | 225 |
Downloads [top]
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Sources [top]
Every citation on this page. Filing opens the SEC index page for that submission; viewer opens the SEC interactive data for the same filing; series opens the SEC XBRL API record for that tag and company.
| # | Concept | XBRL tag | Value | Period end | Received | Form | Links |
|---|---|---|---|---|---|---|---|
| 1 | assets | us-gaap:Assets | $649.1M | 2025-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 2 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $759.0M | 2025-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 3 | cash | us-gaap:CashAndCashEquivalentsAtCarryingValue | $75.7M | 2019-12-31 | 2021-03-09 | 10-K | filing · viewer · series |
| 4 | total debt | us-gaap:LongTermDebtAndCapitalLeaseObligations | $0 | 2019-12-31 | 2020-03-05 | 10-K | filing · viewer · series |
| 5 | gross profit | us-gaap:GrossProfit | $460.5M | 2025-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 6 | net income | us-gaap:NetIncomeLoss | $19.7M | 2025-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 7 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $52.6M | 2025-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 8 | assets | us-gaap:Assets | $648.7M | 2024-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 9 | gross profit | us-gaap:GrossProfit | $439.1M | 2024-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 10 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $722.9M | 2024-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 11 | gross profit | us-gaap:GrossProfit | $523.1M | 2023-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 12 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $862.1M | 2023-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 13 | gross profit | us-gaap:GrossProfit | $604.2M | 2022-12-31 | 2025-03-06 | 10-K | filing · viewer · series |
| 14 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $1.0B | 2022-12-31 | 2025-03-06 | 10-K | filing · viewer · series |
| 15 | gross profit | us-gaap:GrossProfit | $574.6M | 2021-12-31 | 2024-03-07 | 10-K | filing · viewer · series |
| 16 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $1.0B | 2021-12-31 | 2024-03-07 | 10-K | filing · viewer · series |
| 17 | current assets | us-gaap:AssetsCurrent | $249.3M | 2025-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 18 | current liabilities | us-gaap:LiabilitiesCurrent | $133.4M | 2025-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 19 | capital expenditure | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment | $19.7M | 2025-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 20 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $58.9M | 2024-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 21 | capital expenditure | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment | $32.1M | 2024-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 22 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $97.2M | 2023-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 23 | capital expenditure | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment | $53.1M | 2023-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 24 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $51.0M | 2022-12-31 | 2025-03-06 | 10-K | filing · viewer · series |
| 25 | capital expenditure | us-gaap:PaymentsToAcquirePropertyPlantAndEquipment | $28.4M | 2022-12-31 | 2025-03-06 | 10-K | filing · viewer · series |
| 26 | assets | us-gaap:Assets | $654.1M | 2023-12-31 | 2025-03-06 | 10-K | filing · viewer · series |
| 27 | assets | us-gaap:Assets | $649.0M | 2022-12-31 | 2024-03-07 | 10-K | filing · viewer · series |
| 28 | shares outstanding | dei:EntityCommonStockSharesOutstanding | 0 | 2012-03-31 | 2012-05-07 | 10-Q | filing · viewer · series |
| 29 | net income | us-gaap:NetIncomeLoss | $20.0M | 2024-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 30 | current assets | us-gaap:AssetsCurrent | $238.9M | 2024-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 31 | current liabilities | us-gaap:LiabilitiesCurrent | $131.6M | 2024-12-31 | 2026-02-26 | 10-K | filing · viewer · series |
| 32 | cash | us-gaap:CashAndCashEquivalentsAtCarryingValue | $104.3M | 2026-06-30 | 2026-08-04 | 10-Q | filing · viewer · series |
| 33 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $21.4M | 2026-06-30 | 2026-08-04 | 10-Q | filing · viewer · series |
| 34 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | -$2.9M | 2026-03-31 | 2026-05-06 | 10-Q | filing · viewer · series |
| 35 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $45.3M | 2025-09-30 | 2025-10-31 | 10-Q | filing · viewer · series |
| 36 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $13.4M | 2025-06-30 | 2026-08-04 | 10-Q | filing · viewer · series |
Limitations [top]
Grade boundary. Percentile 37.9 is 2.1 points from the nearest band edge; sampling error is 2.9 points.
Peer group. Sector assignment from four-digit SIC codes, hand-tuned and published. The grade under three alternative peer policies is tabled above.
Size. Within a sector the letter tracks size. Among graded filers in the smallest asset band, 72% grade E and 0% grade A; in the largest, 13% grade E and 21% grade A. Universe as of Oct 9, 2026.
Failure model. filings 2012-01-01 to 2019-12-31 fit, filings 2020-01-01 to 2025-12-31 test; status post hoc pending confirmation. pre-registered on 2026 filings once their 12-month outcome windows close; supported if the paired per-quintile gain over the pooled model has a lower bound above 0.05.
Input validity. Revenue or total assets at or below $100,000 sets the degenerate-inputs flag. An input whose denominator is at or below $100,000 is left not computable rather than ranked.
Returns. No input on this page has a post-2015 confidence interval on returns that excludes zero. The grade ranks reported financial condition and is not a return forecast.
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