Savers Value Village Inc. Common Stock (SVV)

FairStock Score: 45/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach SVV as a thrift retailer with a simple but competitive business: it buys secondhand textiles and housewares from nonprofit partners, processes them, and sells through Savers, Value Village, and other banners. The latest filed fiscal Q2 2026, the quarter ended 2026-07-04, showed revenue of $448.2M and net income of $21.6M, better than fiscal Q2 2025's $417.2M revenue and $18.9M net income. That is encouraging. But the longer record is less so. In FY2023, period ended 2023-12-30, net income was $53.1M; in FY2024, period ended 2024-12-28, it fell to $29.0M; in FY2025, period ended 2026-01-03, it was $22.6M. Fiscal Q1 2026, quarter ended 2026-04-04, produced a $5.3M loss, and fiscal Q3 2025, ended 2025-09-27, a $14.0M loss. Revenue has grown, but earnings are erratic and margins are thin, at 4.83% in the latest quarter. The balance sheet gives me pause: debt-to-equity of 3.23 and an Altman Z-Score of 0.60 are not conservative. The Piotroski F-Score of 9/9 and $81.8M trailing free cash flow, a 5.8% FCF yield per FairStock, are positives. However, at the 2026-10-13 close of $9.23, FairStock's P/E is 61.53, P/B is 3.19, and the Graham Number is $3.12, implying the price is far above asset-based value. FairStock's Lynch category is SLOW GROWER — Shrinking, with profits down 27.8% a year over four years. I want a wider moat, steadier profits, and a margin of safety. Here, I see a leveraged, low-return retailer with a demanding price.

In plain English: Savers Value Village runs thrift stores that sell used clothing, shoes, accessories, and housewares in the U.S., Canada, and Australia. Sales have grown, but profits are small and have generally fallen over the past few years, while the company uses a lot of debt. At the recent price, the shares look expensive compared with the company's recent earnings and net worth.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-07-04) · fiscal Q1 2026 10-Q (period ended 2026-04-04) · fiscal Q3 2025 10-Q (period ended 2025-09-27) · fiscal Q2 2025 10-Q (period ended 2025-06-28) · FY2025 10-K (period ended 2026-01-03) · FY2024 10-K (period ended 2024-12-28) · FY2023 10-K (period ended 2023-12-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer