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Haverty FurnitureFRA:25F -3.60%70 Debt-to-EBITDA is 4.88 as of Mar. 2026, which is 130% above its 10-year median of 2.12. GuruFocus rates FRA:25F with a GF Score™ of 70/100 and a GF Value™ of €21.04 (Fairly Valued). The stock has 6 warning signs investors should review. Among 904 Retail - Cyclical companies, Haverty Furniture ranks worse than 76.22% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Haverty Furniture's Debt-to-EBITDA or its related term are showing as below:
FRA:25F'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.82 Med: 2.12 Max: 5.27
Current: 4.72
During the past 13 years, the highest Debt-to-EBITDA Ratio of Haverty Furniture was 5.27. The lowest was 0.82. And the median was 2.12.
FRA:25F's Debt-to-EBITDA is ranked worse than 76.22% of 904
companies
in the Retail - Cyclical industry
Industry Median: 2.375
vs FRA:25F: 4.72
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Haverty Furniture Debt-to-EBITDA Related Terms
Haverty Furniture Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Haverty Furniture's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:25F vs TTSH, LIVE, HD: Debt-to-EBITDA Comparison
For the Home Improvement Retail subindustry, Haverty Furniture's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Haverty Furniture Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Haverty Furniture's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Haverty Furniture's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Haverty Furniture (FRA:25F) has a Debt-to-EBITDA of 4.88 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Haverty Furniture. This is 130% above median its historical median of 2.12. Over the past decade, Haverty Furniture's Debt-to-EBITDA has ranged from 0.82 to 5.27. According to the industry distribution chart, Haverty Furniture ranks #689 out of 904 companies in the Retail - Cyclical industry, placing it in the top 76.2%.
Is Haverty Furniture's Debt-to-EBITDA too high?
Haverty Furniture's current Debt-to-EBITDA of 4.88 is 130% above median its 10-year median of 2.12. Over the past 10 years, this metric has ranged from a low of 0.82 to a high of 5.27. The Retail - Cyclical industry median Debt-to-EBITDA is 2.38. Haverty Furniture's value of 4.88 is 105.5% above this industry median. Based on the distribution chart, Haverty Furniture ranks #689 out of 904 companies in the Retail - Cyclical industry, which is in the bottom quartile relative to peers. Overall, Haverty Furniture has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Haverty Furniture's Debt-to-EBITDA compare to TTSH and LIVE?
According to the Retail - Cyclical industry distribution chart, Haverty Furniture ranks #689 out of 904 companies for Debt-to-EBITDA. This places Haverty Furniture in the lower half of its industry. The industry median Debt-to-EBITDA is 2.38. Haverty Furniture's value of 4.88 is 105.5% above this benchmark. Historically, Haverty Furniture's own Debt-to-EBITDA has ranged from 0.82 to 5.27 over the past decade. While the company's 10-year median is 2.12 vs. the industry median of 2.38, Haverty Furniture has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Retail - Cyclical company?
The median Debt-to-EBITDA among Retail - Cyclical companies is 2.38, based on 904 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Haverty Furniture's current Debt-to-EBITDA of 4.88 is 105.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Haverty Furniture. For the Retail - Cyclical industry, the median Debt-to-EBITDA is 2.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Haverty Furniture's current Debt-to-EBITDA is 4.88, which is 130% above median its own 10-year median of 2.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Haverty Furniture stock overvalued right now?
Based on GuruFocus' analysis, Haverty Furniture (FRA:25F) is currently considered Fairly Valued. The stock's GF Value™ is €21.04, compared to a current price of €21.40 — trading 1.7% above its estimated fair value. The current Debt-to-EBITDA is 4.88, which is 130% above median its 10-year median of 2.12 and 105.5% above the Retail - Cyclical industry median of 2.38. Haverty Furniture's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Haverty Furniture (FRA:25F), the current Debt-to-EBITDA is 4.88 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Haverty Furniture (FRA:25F) Overvalued in 2026?
Based on GuruFocus' analysis, Haverty Furniture stock appears to be overvalued.
The current stock price of €21.40 is trading 1.7% above its estimated GF Value™ of €21.04.
GuruFocus considers Haverty Furniture to be Fairly Valued.
Key valuation signals for FRA:25F:
Debt-to-EBITDA: 4.88 (130% above median its 10-year median of 2.12)
GF Value™: €21.04 vs. price of €21.40 (1.7% above fair value)
Industry Position: 105.5% above the Retail - Cyclical median (#689 of 904)
No single metric tells the full story. See the FRA:25F stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Haverty Furniture Companies Inc is a specialty retailer of residential furniture and accessories. It provides various products such as Sofa Tables, Sleepers, End Tables, Cocktail Tables, Accent Pieces, Display Cabinets, Wall Decor, floral and Tress, and other related products. The company operates in the Southern and Midwestern U.S. All its activities are encompassed in its Merchandise division. The company derives the majority of revenue from its upholstery products and, secondarily, from bedroom furniture.
70GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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