U-HAUL HOLDING CO (UHAL) Stock Fundamental Analysis
NYSE:UHAL - New York Stock Exchange, Inc. - US0235861004 - Common Stock - Currency: USD
Taking everything into account, UHAL scores 2 out of 10 in our fundamental rating. UHAL was compared to 40 industry peers in the Ground Transportation industry. While UHAL is still in line with the averages on profitability rating, there are concerns on its financial health. UHAL is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
UHAL had positive earnings in the past year.
UHAL had a positive operating cash flow in the past year.
UHAL had positive earnings in each of the past 5 years.
UHAL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.79%, UHAL is in line with its industry, outperforming 45.00% of the companies in the same industry.
UHAL has a Return On Equity of 4.90%. This is comparable to the rest of the industry: UHAL outperforms 47.50% of its industry peers.
UHAL's Return On Invested Capital of 2.96% is in line compared to the rest of the industry. UHAL outperforms 45.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for UHAL is below the industry average of 8.43%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.79% | ||
| ROE | 4.9% | ||
| ROIC | 2.96% |
ROA(3y)3.39%
ROA(5y)4.17%
ROE(3y)9.27%
ROE(5y)11.9%
ROIC(3y)4.65%
ROIC(5y)5.52%
1.3 Margins
UHAL has a better Profit Margin (6.30%) than 72.50% of its industry peers.
UHAL's Profit Margin has declined in the last couple of years.
UHAL has a Operating Margin of 12.56%. This is in the better half of the industry: UHAL outperforms 80.00% of its industry peers.
UHAL's Operating Margin has declined in the last couple of years.
With a Gross Margin value of 36.65%, UHAL perfoms like the industry average, outperforming 47.50% of the companies in the same industry.
UHAL's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.56% | ||
| PM (TTM) | 6.3% | ||
| GM | 36.65% |
OM growth 3Y-23.98%
OM growth 5Y-1.52%
PM growth 3Y-31.47%
PM growth 5Y-10.73%
GM growth 3Y-7.02%
GM growth 5Y-0.86%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so UHAL is destroying value.
The number of shares outstanding for UHAL remains at a similar level compared to 1 year ago.
The number of shares outstanding for UHAL has been increased compared to 5 years ago.
The debt/assets ratio for UHAL is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.44, we must say that UHAL is in the distress zone and has some risk of bankruptcy.
UHAL's Altman-Z score of 1.44 is on the low side compared to the rest of the industry. UHAL is outperformed by 65.00% of its industry peers.
UHAL has a Debt/Equity ratio of 0.96. This is a neutral value indicating UHAL is somewhat dependend on debt financing.
UHAL has a Debt to Equity ratio of 0.96. This is in the lower half of the industry: UHAL underperforms 70.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.96 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.44 |
ROIC/WACC0.33
WACC8.92%
2.3 Liquidity
A Current Ratio of 0.80 indicates that UHAL may have some problems paying its short term obligations.
UHAL has a Current ratio of 0.80. This is in the lower half of the industry: UHAL underperforms 77.50% of its industry peers.
UHAL has a Quick Ratio of 0.80. This is a bad value and indicates that UHAL is not financially healthy enough and could expect problems in meeting its short term obligations.
UHAL has a Quick ratio of 0.71. This is amonst the worse of the industry: UHAL underperforms 82.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.8 | ||
| Quick Ratio | 0.71 |
3. Growth
3.1 Past
The earnings per share for UHAL have decreased strongly by -80.93% in the last year.
UHAL shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -40.34% yearly.
UHAL shows a small growth in Revenue. In the last year, the Revenue has grown by 3.61%.
The Revenue has been growing slightly by 7.93% on average over the past years.
EPS 1Y (TTM)-80.93%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-28.42%
Revenue 1Y (TTM)3.61%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%5.29%
3.2 Future
The Earnings Per Share is expected to grow by 36.73% on average over the next years. This is a very strong growth
UHAL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.49% yearly.
EPS Next Y37.25%
EPS Next 2Y29.5%
EPS Next 3Y36.73%
EPS Next 5YN/A
Revenue Next Year5.47%
Revenue Next 2Y5.2%
Revenue Next 3Y3.49%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 40.06, UHAL can be considered very expensive at the moment.
UHAL's Price/Earnings is on the same level as the industry average.
UHAL's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 26.86.
The Price/Forward Earnings ratio is 20.09, which indicates a rather expensive current valuation of UHAL.
UHAL's Price/Forward Earnings ratio is in line with the industry average.
UHAL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 34.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.06 | ||
| Fwd PE | 20.09 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of UHAL is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.23 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
UHAL's earnings are expected to grow with 36.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.08
PEG (5Y)N/A
EPS Next 2Y29.5%
EPS Next 3Y36.73%
5. Dividend
5.1 Amount
UHAL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
57.28
-1.77 (-3%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)
Earnings (Next)
Inst Owners42.36%
Inst Owner Change10.53%
Ins Owners6.68%
Ins Owner Change0%
Market Cap11.23B
Analysts45.71
Price Target92.32 (61.17%)
Short Float %11.33%
Short Ratio6.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.18
Dividend Growth(5Y)-34.3%
DP9.61%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-102%
Min EPS beat(2)-165.28%
Max EPS beat(2)-38.73%
EPS beat(4)0
Avg EPS beat(4)-65.48%
Min EPS beat(4)-165.28%
Max EPS beat(4)-25.49%
EPS beat(8)1
Avg EPS beat(8)6.23%
EPS beat(12)3
Avg EPS beat(12)74.36%
EPS beat(16)5
Avg EPS beat(16)61.94%
Revenue beat(2)2
Avg Revenue beat(2)4.95%
Min Revenue beat(2)0.55%
Max Revenue beat(2)9.35%
Revenue beat(4)2
Avg Revenue beat(4)1.17%
Min Revenue beat(4)-3.6%
Max Revenue beat(4)9.35%
Revenue beat(8)2
Avg Revenue beat(8)-0.63%
Revenue beat(12)3
Avg Revenue beat(12)-2.06%
Revenue beat(16)6
Avg Revenue beat(16)-0.35%
PT rev (1m)0%
PT rev (3m)15.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-27.82%
EPS NY rev (1m)0%
EPS NY rev (3m)-37.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.06 | ||
| Fwd PE | 20.09 | ||
| P/S | 1.93 | ||
| P/FCF | N/A | ||
| P/OCF | 7.72 | ||
| P/B | 1.5 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | 10.23 |
EPS(TTM)1.43
EY2.5%
EPS(NY)2.85
Fwd EY4.98%
FCF(TTM)-10.19
FCFYN/A
OCF(TTM)7.42
OCFY12.95%
SpS29.73
BVpS38.24
TBVpS38.24
PEG (NY)1.08
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.79% | ||
| ROE | 4.9% | ||
| ROCE | 3.9% | ||
| ROIC | 2.96% | ||
| ROICexc | 3.13% | ||
| ROICexgc | 3.16% | ||
| OM | 12.56% | ||
| PM (TTM) | 6.3% | ||
| GM | 36.65% | ||
| FCFM | N/A |
ROA(3y)3.39%
ROA(5y)4.17%
ROE(3y)9.27%
ROE(5y)11.9%
ROIC(3y)4.65%
ROIC(5y)5.52%
ROICexc(3y)5.17%
ROICexc(5y)6.28%
ROICexgc(3y)5.21%
ROICexgc(5y)6.33%
ROCE(3y)6.13%
ROCE(5y)7.28%
ROICexcg growth 3Y-31.35%
ROICexcg growth 5Y-2.92%
ROICexc growth 3Y-31.38%
ROICexc growth 5Y-2.92%
OM growth 3Y-23.98%
OM growth 5Y-1.52%
PM growth 3Y-31.47%
PM growth 5Y-10.73%
GM growth 3Y-7.02%
GM growth 5Y-0.86%
F-Score3
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.96 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 4.22 | ||
| Cap/Depr | 355.22% | ||
| Cap/Sales | 59.23% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 85.36% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.8 | ||
| Quick Ratio | 0.71 | ||
| Altman-Z | 1.44 |
F-Score3
WACC8.92%
ROIC/WACC0.33
Cap/Depr(3y)364.1%
Cap/Depr(5y)323.19%
Cap/Sales(3y)52.96%
Cap/Sales(5y)45.57%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-80.93%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-28.42%
EPS Next Y37.25%
EPS Next 2Y29.5%
EPS Next 3Y36.73%
EPS Next 5YN/A
Revenue 1Y (TTM)3.61%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%5.29%
Revenue Next Year5.47%
Revenue Next 2Y5.2%
Revenue Next 3Y3.49%
Revenue Next 5YN/A
EBIT growth 1Y-25.75%
EBIT growth 3Y-23.59%
EBIT growth 5Y6.3%
EBIT Next Year150.59%
EBIT Next 3Y35.31%
EBIT Next 5YN/A
FCF growth 1Y-29.73%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y0.12%
OCF growth 3Y-9.25%
OCF growth 5Y6.22%