U-HAUL HOLDING CO (UHAL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UHAL - US0235861004 - Common Stock
52.88 USD
-1.01 (-1.87%)
52.88 USD
0 (0%)
We assign a fundamental rating of 2 out of 10 to UHAL. UHAL was compared to 43 industry peers in the Ground Transportation industry. There are concerns on the financial health of UHAL while its profitability can be described as average. 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.
In the past year UHAL had a positive cash flow from operations.
In the past 5 years UHAL has always been profitable.
UHAL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
UHAL's Return On Assets of 1.09% is in line compared to the rest of the industry. UHAL outperforms 46.51% of its industry peers.
Looking at the Return On Equity, with a value of 3.00%, UHAL is in line with its industry, outperforming 51.16% of the companies in the same industry.
UHAL has a Return On Invested Capital of 2.30%. This is comparable to the rest of the industry: UHAL outperforms 51.16% of its industry peers.
UHAL had an Average Return On Invested Capital over the past 3 years of 4.65%. This is below the industry average of 6.88%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 3% | ||
| ROIC | 2.3% |
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's Profit Margin of 3.90% is fine compared to the rest of the industry. UHAL outperforms 67.44% of its industry peers.
UHAL's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 9.97%, UHAL is in the better half of the industry, outperforming 76.74% of the companies in the same industry.
In the last couple of years the Operating Margin of UHAL has declined.
UHAL's Gross Margin of 36.97% is in line compared to the rest of the industry. UHAL outperforms 51.16% of its industry peers.
UHAL's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 9.97% | ||
| PM (TTM) | 3.9% | ||
| GM | 36.97% |
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.
UHAL has about the same amout of shares outstanding than it did 1 year ago.
UHAL has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, UHAL has a worse debt to assets ratio.
2.2 Solvency
UHAL has an Altman-Z score of 1.34. This is a bad value and indicates that UHAL is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.34, UHAL is doing worse than 72.09% of the companies in the same industry.
UHAL has a Debt/Equity ratio of 0.99. This is a neutral value indicating UHAL is somewhat dependend on debt financing.
UHAL has a Debt to Equity ratio of 0.99. This is in the lower half of the industry: UHAL underperforms 65.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.34 |
ROIC/WACC0.24
WACC9.76%
2.3 Liquidity
UHAL has a Current Ratio of 0.79. 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's Current ratio of 0.79 is on the low side compared to the rest of the industry. UHAL is outperformed by 76.74% of its industry peers.
A Quick Ratio of 0.69 indicates that UHAL may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.69, UHAL is doing worse than 83.72% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.79 | ||
| Quick Ratio | 0.69 |
3. Growth
3.1 Past
The earnings per share for UHAL have decreased strongly by -85.30% 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.
The Revenue has been growing slightly by 5.86% in the past 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)-85.3%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-46.15%
Revenue 1Y (TTM)5.86%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%3.73%
3.2 Future
Based on estimates for the next years, UHAL will show a very strong growth in Earnings Per Share. The EPS will grow by 36.83% on average per year.
UHAL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.53% yearly.
EPS Next Y-67.8%
EPS Next 2Y20.5%
EPS Next 3Y36.83%
EPS Next 5YN/A
Revenue Next Year3.1%
Revenue Next 2Y3.41%
Revenue Next 3Y3.53%
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.
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
Based on the Price/Earnings ratio of 52.36, the valuation of UHAL can be described as expensive.
The rest of the industry has a similar Price/Earnings ratio as UHAL.
UHAL's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.41.
Based on the Price/Forward Earnings ratio of 21.42, the valuation of UHAL can be described as rather expensive.
UHAL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UHAL is cheaper than 69.77% of the companies in the same industry.
UHAL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 35.40, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 52.36 | ||
| Fwd PE | 21.42 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, UHAL is valued a bit cheaper than the industry average as 72.09% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.09 |
4.3 Compensation for Growth
A more expensive valuation may be justified as UHAL's earnings are expected to grow with 36.83% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y20.5%
EPS Next 3Y36.83%
5. Dividend
5.1 Amount
No dividends for UHAL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
52.88
-1.01 (-1.87%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)
Earnings (Next)
Inst Owners42.94%
Inst Owner Change-6.02%
Ins Owners6.68%
Ins Owner Change0%
Market Cap10.37B
Revenue(TTM)5.97B
Net Income(TTM)232.76M
Analysts45.71
Price Target82.54 (56.09%)
Short Float %12.62%
Short Ratio6.29
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.18
Dividend Growth(5Y)-34.3%
DP15.16%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-28.14%
Min EPS beat(2)-29.01%
Max EPS beat(2)-27.27%
EPS beat(4)0
Avg EPS beat(4)-65.07%
Min EPS beat(4)-165.28%
Max EPS beat(4)-27.27%
EPS beat(8)1
Avg EPS beat(8)1.76%
EPS beat(12)3
Avg EPS beat(12)71.41%
EPS beat(16)3
Avg EPS beat(16)49.27%
Revenue beat(2)0
Avg Revenue beat(2)-1.7%
Min Revenue beat(2)-2.39%
Max Revenue beat(2)-1%
Revenue beat(4)2
Avg Revenue beat(4)1.63%
Min Revenue beat(4)-2.39%
Max Revenue beat(4)9.35%
Revenue beat(8)2
Avg Revenue beat(8)-0.24%
Revenue beat(12)2
Avg Revenue beat(12)-1.64%
Revenue beat(16)4
Avg Revenue beat(16)-1.85%
PT rev (1m)-9.67%
PT rev (3m)-9.67%
EPS NQ rev (1m)57.14%
EPS NQ rev (3m)57.14%
EPS NY rev (1m)-10.55%
EPS NY rev (3m)-10.55%
Revenue NQ rev (1m)1.03%
Revenue NQ rev (3m)1.03%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)0.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 52.36 | ||
| Fwd PE | 21.42 | ||
| P/S | 1.74 | ||
| P/FCF | N/A | ||
| P/OCF | 6.4 | ||
| P/B | 1.33 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | 10.09 |
EPS(TTM)1.01
EY1.91%
EPS(NY)2.47
Fwd EY4.67%
FCF(TTM)-9.28
FCFYN/A
OCF(TTM)8.26
OCFY15.63%
SpS30.46
BVpS39.62
TBVpS39.62
PEG (NY)N/A
PEG (5Y)N/A
Graham Number30
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 3% | ||
| ROCE | 3.04% | ||
| ROIC | 2.3% | ||
| ROICexc | 2.44% | ||
| ROICexgc | 2.46% | ||
| OM | 9.97% | ||
| PM (TTM) | 3.9% | ||
| GM | 36.97% | ||
| 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-Score4
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 4.57 | ||
| Cap/Depr | 316.47% | ||
| Cap/Sales | 57.6% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 96.29% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.79 | ||
| Quick Ratio | 0.69 | ||
| Altman-Z | 1.34 |
F-Score4
WACC9.76%
ROIC/WACC0.24
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)-85.3%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-46.15%
EPS Next Y-67.8%
EPS Next 2Y20.5%
EPS Next 3Y36.83%
EPS Next 5YN/A
Revenue 1Y (TTM)5.86%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%3.73%
Revenue Next Year3.1%
Revenue Next 2Y3.41%
Revenue Next 3Y3.53%
Revenue Next 5YN/A
EBIT growth 1Y-23.18%
EBIT growth 3Y-23.59%
EBIT growth 5Y6.3%
EBIT Next Year125.94%
EBIT Next 3Y35.31%
EBIT Next 5YN/A
FCF growth 1Y-15.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y9.56%
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 3 / 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 -67.8% in the next year.