THOR INDUSTRIES INC (THO) Stock Fundamental Analysis
NYSE:THO • US8851601018
103.75 USD
-4.77 (-4.4%)
At close: Feb 25, 2026
103.75 USD
0 (0%)
After Hours: 2/25/2026, 4:04:25 PM
We assign a fundamental rating of 7 out of 10 to THO. THO was compared to 35 industry peers in the Automobiles industry. Both the health and profitability get an excellent rating, making THO a very profitable company, without any liquidiy or solvency issues. THO has a correct valuation and a medium growth rate. This makes THO very considerable for quality investing!
1. Profitability
1.1 Basic Checks
- THO had positive earnings in the past year.
- In the past year THO had a positive cash flow from operations.
- THO had positive earnings in each of the past 5 years.
- Each year in the past 5 years THO had a positive operating cash flow.
1.2 Ratios
- THO has a better Return On Assets (4.03%) than 91.43% of its industry peers.
- THO's Return On Equity of 6.56% is amongst the best of the industry. THO outperforms 91.43% of its industry peers.
- With an excellent Return On Invested Capital value of 5.48%, THO belongs to the best of the industry, outperforming 94.29% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital for THO is in line with the industry average of 5.06%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.03% | ||
| ROE | 6.56% | ||
| ROIC | 5.48% |
ROA(3y)4.2%
ROA(5y)7.57%
ROE(3y)7.32%
ROE(5y)15.24%
ROIC(3y)6.72%
ROIC(5y)11.6%
1.3 Margins
- THO has a better Profit Margin (2.87%) than 85.71% of its industry peers.
- THO's Profit Margin has been stable in the last couple of years.
- The Operating Margin of THO (3.81%) is better than 88.57% of its industry peers.
- THO's Operating Margin has declined in the last couple of years.
- THO has a Gross Margin of 14.05%. This is in the better half of the industry: THO outperforms 68.57% of its industry peers.
- In the last couple of years the Gross Margin of THO has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.81% | ||
| PM (TTM) | 2.87% | ||
| GM | 14.05% |
OM growth 3Y-27.39%
OM growth 5Y-5.16%
PM growth 3Y-27.13%
PM growth 5Y-0.23%
GM growth 3Y-6.65%
GM growth 5Y0.44%
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), THO is destroying value.
- The number of shares outstanding for THO has been reduced compared to 1 year ago.
- Compared to 5 years ago, THO has less shares outstanding
- Compared to 1 year ago, THO has an improved debt to assets ratio.
2.2 Solvency
- THO has an Altman-Z score of 3.95. This indicates that THO is financially healthy and has little risk of bankruptcy at the moment.
- THO's Altman-Z score of 3.95 is amongst the best of the industry. THO outperforms 97.14% of its industry peers.
- THO has a debt to FCF ratio of 2.63. This is a good value and a sign of high solvency as THO would need 2.63 years to pay back of all of its debts.
- THO has a better Debt to FCF ratio (2.63) than 91.43% of its industry peers.
- A Debt/Equity ratio of 0.23 indicates that THO is not too dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.23, THO is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.63 | ||
| Altman-Z | 3.95 |
ROIC/WACC0.6
WACC9.09%
2.3 Liquidity
- A Current Ratio of 1.81 indicates that THO should not have too much problems paying its short term obligations.
- THO has a Current ratio of 1.81. This is in the better half of the industry: THO outperforms 68.57% of its industry peers.
- THO has a Quick Ratio of 1.81. This is a bad value and indicates that THO is not financially healthy enough and could expect problems in meeting its short term obligations.
- THO has a Quick ratio (0.83) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.81 | ||
| Quick Ratio | 0.83 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 28.09% over the past year.
- THO shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.12% yearly.
- The Revenue has been growing slightly by 1.45% in the past year.
- THO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.24% yearly.
EPS 1Y (TTM)28.09%
EPS 3Y-38.25%
EPS 5Y-0.12%
EPS Q2Q%1466.67%
Revenue 1Y (TTM)1.45%
Revenue growth 3Y-16.26%
Revenue growth 5Y3.24%
Sales Q2Q%11.5%
3.2 Future
- Based on estimates for the next years, THO will show a very strong growth in Earnings Per Share. The EPS will grow by 23.52% on average per year.
- THO is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.77% yearly.
EPS Next Y-11.23%
EPS Next 2Y9.74%
EPS Next 3Y13.55%
EPS Next 5Y23.52%
Revenue Next Year2.82%
Revenue Next 2Y3.97%
Revenue Next 3Y5.22%
Revenue Next 5Y8.77%
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 accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 19.61, THO is valued on the expensive side.
- Compared to the rest of the industry, the Price/Earnings ratio of THO indicates a rather cheap valuation: THO is cheaper than 85.71% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of THO to the average of the S&P500 Index (26.98), we can say THO is valued slightly cheaper.
- A Price/Forward Earnings ratio of 17.76 indicates a rather expensive valuation of THO.
- THO's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. THO is cheaper than 74.29% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 28.01. THO is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.61 | ||
| Fwd PE | 17.76 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, THO is valued cheaply inside the industry as 85.71% of the companies are valued more expensively.
- THO's Price/Free Cash Flow ratio is rather cheap when compared to the industry. THO is cheaper than 85.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.7 | ||
| EV/EBITDA | 9.54 |
4.3 Compensation for Growth
- The decent profitability rating of THO may justify a higher PE ratio.
- THO's earnings are expected to grow with 13.54% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y9.74%
EPS Next 3Y13.55%
5. Dividend
5.1 Amount
- THO has a Yearly Dividend Yield of 1.84%.
- Compared to an average industry Dividend Yield of 0.91, THO pays a better dividend. On top of this THO pays more dividend than 82.86% of the companies listed in the same industry.
- THO's Dividend Yield is comparable with the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.84% |
5.2 History
- The dividend of THO has a limited annual growth rate of 4.66%.
- THO has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.66%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- THO pays out 37.63% of its income as dividend. This is a sustainable payout ratio.
- The dividend of THO is growing, but earnings are growing more, so the dividend growth is sustainable.
DP37.63%
EPS Next 2Y9.74%
EPS Next 3Y13.55%
103.75
-4.77 (-4.4%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupAutomobiles & Components
GICS IndustryAutomobiles
Earnings (Last)12-03 2025-12-03/bmo
Earnings (Next)03-03 2026-03-03
Inst Owners101.93%
Inst Owner Change1.61%
Ins Owners4.64%
Ins Owner Change3.99%
Market Cap5.48B
Revenue(TTM)9.83B
Net Income(TTM)282.06M
Analysts68.57
Price Target114.24 (10.11%)
Short Float %5.24%
Short Ratio4.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.84% |
Yearly Dividend2.01
Dividend Growth(5Y)4.66%
DP37.63%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-05 2026-01-05 (0.52)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)340.72%
Min EPS beat(2)88.26%
Max EPS beat(2)593.18%
EPS beat(4)3
Avg EPS beat(4)152%
Min EPS beat(4)-114.48%
Max EPS beat(4)593.18%
EPS beat(8)5
Avg EPS beat(8)62.12%
EPS beat(12)8
Avg EPS beat(12)52.59%
EPS beat(16)12
Avg EPS beat(16)48.21%
Revenue beat(2)2
Avg Revenue beat(2)11.19%
Min Revenue beat(2)7.12%
Max Revenue beat(2)15.25%
Revenue beat(4)4
Avg Revenue beat(4)8.49%
Min Revenue beat(4)1.26%
Max Revenue beat(4)15.25%
Revenue beat(8)6
Avg Revenue beat(8)3.53%
Revenue beat(12)8
Avg Revenue beat(12)2.96%
Revenue beat(16)12
Avg Revenue beat(16)3.87%
PT rev (1m)4.94%
PT rev (3m)4.5%
EPS NQ rev (1m)11.34%
EPS NQ rev (3m)-51.87%
EPS NY rev (1m)0.67%
EPS NY rev (3m)2.91%
Revenue NQ rev (1m)0.1%
Revenue NQ rev (3m)-0.8%
Revenue NY rev (1m)0.11%
Revenue NY rev (3m)1.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.61 | ||
| Fwd PE | 17.76 | ||
| P/S | 0.56 | ||
| P/FCF | 14.7 | ||
| P/OCF | 10.91 | ||
| P/B | 1.28 | ||
| P/tB | 3.2 | ||
| EV/EBITDA | 9.54 |
EPS(TTM)5.29
EY5.1%
EPS(NY)5.84
Fwd EY5.63%
FCF(TTM)7.06
FCFY6.8%
OCF(TTM)9.51
OCFY9.16%
SpS185.95
BVpS81.32
TBVpS32.4
PEG (NY)N/A
PEG (5Y)N/A
Graham Number98.38
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.03% | ||
| ROE | 6.56% | ||
| ROCE | 6.82% | ||
| ROIC | 5.48% | ||
| ROICexc | 6.04% | ||
| ROICexgc | 12.39% | ||
| OM | 3.81% | ||
| PM (TTM) | 2.87% | ||
| GM | 14.05% | ||
| FCFM | 3.8% |
ROA(3y)4.2%
ROA(5y)7.57%
ROE(3y)7.32%
ROE(5y)15.24%
ROIC(3y)6.72%
ROIC(5y)11.6%
ROICexc(3y)7.38%
ROICexc(5y)12.57%
ROICexgc(3y)15.82%
ROICexgc(5y)27.7%
ROCE(3y)8.35%
ROCE(5y)14.36%
ROICexgc growth 3Y-38.46%
ROICexgc growth 5Y-12.23%
ROICexc growth 3Y-37.57%
ROICexc growth 5Y-7.38%
OM growth 3Y-27.39%
OM growth 5Y-5.16%
PM growth 3Y-27.13%
PM growth 5Y-0.23%
GM growth 3Y-6.65%
GM growth 5Y0.44%
F-Score7
Asset Turnover1.41
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.23 | ||
| Debt/FCF | 2.63 | ||
| Debt/EBITDA | 1.52 | ||
| Cap/Depr | 47.96% | ||
| Cap/Sales | 1.32% | ||
| Interest Coverage | 7.01 | ||
| Cash Conversion | 78.05% | ||
| Profit Quality | 132.25% | ||
| Current Ratio | 1.81 | ||
| Quick Ratio | 0.83 | ||
| Altman-Z | 3.95 |
F-Score7
WACC9.09%
ROIC/WACC0.6
Cap/Depr(3y)56.97%
Cap/Depr(5y)62.4%
Cap/Sales(3y)1.52%
Cap/Sales(5y)1.42%
Profit Quality(3y)178.53%
Profit Quality(5y)132.32%
High Growth Momentum
Growth
EPS 1Y (TTM)28.09%
EPS 3Y-38.25%
EPS 5Y-0.12%
EPS Q2Q%1466.67%
EPS Next Y-11.23%
EPS Next 2Y9.74%
EPS Next 3Y13.55%
EPS Next 5Y23.52%
Revenue 1Y (TTM)1.45%
Revenue growth 3Y-16.26%
Revenue growth 5Y3.24%
Sales Q2Q%11.5%
Revenue Next Year2.82%
Revenue Next 2Y3.97%
Revenue Next 3Y5.22%
Revenue Next 5Y8.77%
EBIT growth 1Y3.82%
EBIT growth 3Y-39.2%
EBIT growth 5Y-2.09%
EBIT Next Year115.37%
EBIT Next 3Y39.15%
EBIT Next 5Y33.97%
FCF growth 1Y-50.71%
FCF growth 3Y-15.26%
FCF growth 5Y0.94%
OCF growth 1Y-46.97%
OCF growth 3Y-16.43%
OCF growth 5Y1.33%
THOR INDUSTRIES INC / THO FAQ
What is the fundamental rating for THO stock?
ChartMill assigns a fundamental rating of 7 / 10 to THO.
What is the valuation status of THOR INDUSTRIES INC (THO) stock?
ChartMill assigns a valuation rating of 6 / 10 to THOR INDUSTRIES INC (THO). This can be considered as Fairly Valued.
What is the profitability of THO stock?
THOR INDUSTRIES INC (THO) has a profitability rating of 7 / 10.
How financially healthy is THOR INDUSTRIES INC?
The financial health rating of THOR INDUSTRIES INC (THO) is 7 / 10.
How sustainable is the dividend of THOR INDUSTRIES INC (THO) stock?
The dividend rating of THOR INDUSTRIES INC (THO) is 6 / 10 and the dividend payout ratio is 37.63%.