U-HAUL HOLDING CO (UHAL) Stock Fundamental Analysis
USA - NYSE:UHAL - US0235861004 - Common Stock
55.67 USD
-0.54 (-0.96%)
55.67 USD
0 (0%)
We assign a fundamental rating of 2 out of 10 to UHAL. UHAL was compared to 42 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 quite expensive at the moment. 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.
Each year in the past 5 years UHAL has been profitable.
Each year in the past 5 years UHAL had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 1.51%, UHAL perfoms like the industry average, outperforming 47.62% of the companies in the same industry.
Looking at the Return On Equity, with a value of 4.10%, UHAL is in line with its industry, outperforming 52.38% of the companies in the same industry.
The Return On Invested Capital of UHAL (2.70%) is comparable to the rest of the industry.
UHAL had an Average Return On Invested Capital over the past 3 years of 4.65%. This is below the industry average of 7.76%.
| 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
Looking at the Profit Margin, with a value of 5.31%, UHAL is in the better half of the industry, outperforming 76.19% of the companies in the same industry.
UHAL's Profit Margin has declined in the last couple of years.
UHAL has a Operating Margin of 11.48%. This is in the better half of the industry: UHAL outperforms 78.57% of its industry peers.
UHAL's Operating Margin has declined in the last couple of years.
UHAL has a Gross Margin of 36.78%. This is comparable to the rest of the industry: UHAL outperforms 50.00% of its industry peers.
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
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.
The number of shares outstanding for UHAL has been increased compared to 5 years ago.
Compared to 1 year ago, UHAL has a worse debt to assets ratio.
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.
The Altman-Z score of UHAL (1.40) is worse than 66.67% of its industry peers.
A Debt/Equity ratio of 0.95 indicates that UHAL is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.95, UHAL is doing worse than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.95 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.4 |
ROIC/WACC0.31
WACC8.69%
2.3 Liquidity
A Current Ratio of 0.71 indicates that UHAL may have some problems paying its short term obligations.
UHAL has a worse Current ratio (0.71) than 88.10% 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 worse Quick ratio (0.61) than 88.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.71 | ||
| Quick Ratio | 0.61 |
3. Growth
3.1 Past
The earnings per share for UHAL have decreased strongly by -80.93% in the last year.
The earnings per share for UHAL have been decreasing by -40.34% on average. This is quite bad
The Revenue has been growing slightly by 4.91% in the past year.
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)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
With a Price/Earnings ratio of 38.93, UHAL can be considered very expensive at the moment.
UHAL's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.57, UHAL is valued a bit more expensive.
A Price/Forward Earnings ratio of 75.80 indicates a quite expensive valuation of UHAL.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UHAL indicates a slightly more expensive valuation: UHAL is more expensive than 64.29% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of UHAL to the average of the S&P500 Index (23.09), we can say UHAL is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 38.93 | ||
| Fwd PE | 75.8 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of UHAL indicates a somewhat cheap valuation: UHAL is cheaper than 66.67% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.18 |
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
UHAL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
55.67
-0.54 (-0.96%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)
Earnings (Next)
Inst Owners42.94%
Inst Owner Change-0.09%
Ins Owners6.68%
Ins Owner Change0%
Market Cap10.92B
Revenue(TTM)5.91B
Net Income(TTM)314.00M
Analysts45.71
Price Target91.37 (64.13%)
Short Float %11.61%
Short Ratio6.27
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 | 38.93 | ||
| Fwd PE | 75.8 | ||
| P/S | 1.85 | ||
| P/FCF | N/A | ||
| P/OCF | 6.83 | ||
| P/B | 1.42 | ||
| P/tB | 1.42 | ||
| EV/EBITDA | 10.18 |
EPS(TTM)1.43
EY2.57%
EPS(NY)0.73
Fwd EY1.32%
FCF(TTM)-9.22
FCFYN/A
OCF(TTM)8.15
OCFY14.65%
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
WACC8.69%
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%