U-HAUL HOLDING CO (UHAL) Stock Fundamental Analysis
USA - NYSE:UHAL - US0235861004 - Common Stock
55.24 USD
-0.33 (-0.59%)
55.24 USD
0 (0%)
Taking everything into account, UHAL scores 2 out of 10 in our fundamental rating. UHAL was compared to 42 industry peers in the Ground Transportation industry. UHAL has a medium profitability rating, but doesn't score so well on its financial health evaluation. While showing a medium growth rate, UHAL is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year UHAL was profitable.
UHAL had a positive operating cash flow in the past year.
In the past 5 years UHAL has always been profitable.
Each year in the past 5 years UHAL had a positive operating cash flow.
1.2 Ratios
UHAL has a Return On Assets (1.51%) which is in line with its industry peers.
UHAL has a Return On Equity (4.10%) which is in line with its industry peers.
UHAL has a Return On Invested Capital (2.70%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for UHAL is below the industry average of 7.75%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.51% | ||
| ROE | 4.1% | ||
| ROIC | 2.7% |
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 (5.31%) than 76.19% of its industry peers.
UHAL's Profit Margin has declined in the last couple of years.
UHAL has a better Operating Margin (11.48%) than 78.57% of its industry peers.
UHAL's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 36.78%, UHAL is in line with its industry, outperforming 50.00% of the companies in the same industry.
In the last couple of years the Gross Margin of UHAL has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.48% | ||
| PM (TTM) | 5.31% | ||
| GM | 36.78% |
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UHAL is destroying value.
Compared to 1 year ago, UHAL has about the same amount of shares outstanding.
The number of shares outstanding for UHAL has been increased compared to 5 years ago.
UHAL has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.40, we must say that UHAL is in the distress zone and has some risk of bankruptcy.
UHAL has a Altman-Z score of 1.40. This is in the lower half of the industry: UHAL underperforms 69.05% of its industry peers.
UHAL has a Debt/Equity ratio of 0.95. This is a neutral value indicating UHAL is somewhat dependend on debt financing.
UHAL's Debt to Equity ratio of 0.95 is on the low side compared to the rest of the industry. UHAL is outperformed by 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.95 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.4 |
ROIC/WACC0.31
WACC8.73%
2.3 Liquidity
UHAL has a Current Ratio of 0.71. This is a bad value and indicates that UHAL is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of UHAL (0.71) is worse than 90.48% of its industry peers.
UHAL has a Quick Ratio of 0.71. 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 0.61. This is amonst the worse of the industry: UHAL underperforms 88.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.71 | ||
| Quick Ratio | 0.61 |
3. Growth
3.1 Past
UHAL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -80.93%.
UHAL shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -40.34% yearly.
Looking at the last year, UHAL shows a small growth in Revenue. The Revenue has grown by 4.91% in the last year.
Measured over the past years, UHAL shows a small growth in Revenue. The Revenue has been growing by 7.93% on average per year.
EPS 1Y (TTM)-80.93%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-28.42%
Revenue 1Y (TTM)4.91%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%5.29%
3.2 Future
UHAL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 36.73% yearly.
The Revenue is expected to grow by 3.49% on average over the next years.
EPS Next Y-64%
EPS Next 2Y-34.27%
EPS Next 3Y36.73%
EPS Next 5YN/A
Revenue Next Year3.05%
Revenue Next 2Y3.37%
Revenue Next 3Y3.49%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 38.63, which means the current valuation is very expensive for UHAL.
The rest of the industry has a similar Price/Earnings ratio as UHAL.
UHAL's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 26.89.
Based on the Price/Forward Earnings ratio of 75.22, the valuation of UHAL can be described as expensive.
Based on the Price/Forward Earnings ratio, UHAL is valued a bit more expensive than the industry average as 64.29% of the companies are valued more cheaply.
UHAL's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.99.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.63 | ||
| Fwd PE | 75.22 |
4.2 Price Multiples
66.67% of the companies in the same industry are more expensive than UHAL, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.11 |
4.3 Compensation for Growth
A more expensive valuation may be justified as UHAL's earnings are expected to grow with 36.73% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-34.27%
EPS Next 3Y36.73%
5. Dividend
5.1 Amount
No dividends for UHAL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
55.24
-0.33 (-0.59%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)
Earnings (Next)
Inst Owners42.94%
Inst Owner Change-0.14%
Ins Owners6.68%
Ins Owner Change0%
Market Cap10.83B
Revenue(TTM)5.91B
Net Income(TTM)314.00M
Analysts45.71
Price Target91.37 (65.41%)
Short Float %11.78%
Short Ratio6.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.18
Dividend Growth(5Y)-34.3%
DP11.24%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-96.28%
Min EPS beat(2)-165.28%
Max EPS beat(2)-27.27%
EPS beat(4)0
Avg EPS beat(4)-65.92%
Min EPS beat(4)-165.28%
Max EPS beat(4)-27.27%
EPS beat(8)1
Avg EPS beat(8)3.61%
EPS beat(12)3
Avg EPS beat(12)72.61%
EPS beat(16)4
Avg EPS beat(16)53.11%
Revenue beat(2)1
Avg Revenue beat(2)4.18%
Min Revenue beat(2)-1%
Max Revenue beat(2)9.35%
Revenue beat(4)2
Avg Revenue beat(4)1.32%
Min Revenue beat(4)-3.6%
Max Revenue beat(4)9.35%
Revenue beat(8)2
Avg Revenue beat(8)-0.22%
Revenue beat(12)2
Avg Revenue beat(12)-2.5%
Revenue beat(16)5
Avg Revenue beat(16)-1.46%
PT rev (1m)0%
PT rev (3m)-1.02%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-35.08%
EPS NY rev (1m)0%
EPS NY rev (3m)-73.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.63 | ||
| Fwd PE | 75.22 | ||
| P/S | 1.83 | ||
| P/FCF | N/A | ||
| P/OCF | 6.77 | ||
| P/B | 1.41 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | 10.11 |
EPS(TTM)1.43
EY2.59%
EPS(NY)0.73
Fwd EY1.33%
FCF(TTM)-9.22
FCFYN/A
OCF(TTM)8.15
OCFY14.76%
SpS30.14
BVpS39.07
TBVpS39.07
PEG (NY)N/A
PEG (5Y)N/A
Graham Number35.46
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.51% | ||
| ROE | 4.1% | ||
| ROCE | 3.56% | ||
| ROIC | 2.7% | ||
| ROICexc | 2.83% | ||
| ROICexgc | 2.86% | ||
| OM | 11.48% | ||
| PM (TTM) | 5.31% | ||
| GM | 36.78% | ||
| 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%
ROICexgc growth 3Y-31.35%
ROICexgc 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 | 0.95 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 4.24 | ||
| Cap/Depr | 330.77% | ||
| Cap/Sales | 57.62% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 93.61% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.71 | ||
| Quick Ratio | 0.61 | ||
| Altman-Z | 1.4 |
F-Score3
WACC8.73%
ROIC/WACC0.31
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 Y-64%
EPS Next 2Y-34.27%
EPS Next 3Y36.73%
EPS Next 5YN/A
Revenue 1Y (TTM)4.91%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%5.29%
Revenue Next Year3.05%
Revenue Next 2Y3.37%
Revenue Next 3Y3.49%
Revenue Next 5YN/A
EBIT growth 1Y-24.15%
EBIT growth 3Y-23.59%
EBIT growth 5Y6.3%
EBIT Next Year125.94%
EBIT Next 3Y35.31%
EBIT Next 5YN/A
FCF growth 1Y-38.2%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y3.56%
OCF growth 3Y-9.25%
OCF growth 5Y6.22%
U-HAUL HOLDING CO / UHAL FAQ
What is the ChartMill fundamental rating of U-HAUL HOLDING CO (UHAL) stock?
ChartMill assigns a fundamental rating of 2 / 10 to UHAL.
Can you provide the valuation status for U-HAUL HOLDING CO?
ChartMill assigns a valuation rating of 2 / 10 to U-HAUL HOLDING CO (UHAL). This can be considered as Overvalued.
How profitable is U-HAUL HOLDING CO (UHAL) stock?
U-HAUL HOLDING CO (UHAL) has a profitability rating of 4 / 10.
Can you provide the financial health for UHAL stock?
The financial health rating of U-HAUL HOLDING CO (UHAL) is 0 / 10.
What is the expected EPS growth for U-HAUL HOLDING CO (UHAL) stock?
The Earnings per Share (EPS) of U-HAUL HOLDING CO (UHAL) is expected to decline by -64% in the next year.