U-HAUL HOLDING CO (UHAL)
US0235861004 - Common Stock
UHAL gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 38 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 valued correctly, but it does not seem to be growing.
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.
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 2.39%, UHAL is doing worse than 60.53% of the companies in the same industry.
UHAL has a Return On Equity (6.39%) which is comparable to the rest of the industry.
The Return On Invested Capital of UHAL (3.18%) is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for UHAL is in line with the industry average of 7.67%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.39% | ||
| ROE | 6.39% | ||
| ROIC | 3.18% |
ROA(3y)4.96%
ROA(5y)4.47%
ROE(3y)14%
ROE(5y)13.01%
ROIC(3y)6.28%
ROIC(5y)5.58%
1.3 Margins
Looking at the Profit Margin, with a value of 8.52%, UHAL is in the better half of the industry, outperforming 71.05% of the companies in the same industry.
UHAL's Profit Margin has improved in the last couple of years.
UHAL has a better Operating Margin (13.74%) than 76.32% of its industry peers.
UHAL's Operating Margin has been stable in the last couple of years.
UHAL's Gross Margin of 36.04% is in line compared to the rest of the industry. UHAL outperforms 44.74% of its industry peers.
In the last couple of years the Gross Margin of UHAL has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.74% | ||
| PM (TTM) | 8.52% | ||
| GM | 36.04% |
OM growth 3Y-6.2%
OM growth 5Y1.24%
PM growth 3Y-5.99%
PM growth 5Y2.58%
GM growth 3Y-4.87%
GM growth 5Y-1.69%
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.
Compared to 5 years ago, UHAL has more shares outstanding
The debt/assets ratio for UHAL has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.60, we must say that UHAL is in the distress zone and has some risk of bankruptcy.
UHAL has a worse Altman-Z score (1.60) than 68.42% of its industry peers.
UHAL has a Debt/Equity ratio of 0.90. This is a neutral value indicating UHAL is somewhat dependend on debt financing.
UHAL has a worse Debt to Equity ratio (0.90) than 63.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.9 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.6 |
ROIC/WACC0.4
WACC7.94%
2.3 Liquidity
A Current Ratio of 1.17 indicates that UHAL should not have too much problems paying its short term obligations.
UHAL has a Current ratio (1.17) which is comparable to the rest of the industry.
A Quick Ratio of 1.08 indicates that UHAL should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.08, UHAL perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.17 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
UHAL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -54.23%.
UHAL shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -15.95% yearly.
UHAL shows a decrease in Revenue. In the last year, the revenue decreased by -1.95%.
Measured over the past years, UHAL shows a quite strong growth in Revenue. The Revenue has been growing by 8.34% on average per year.
EPS 1Y (TTM)-54.23%
EPS 3Y-36.59%
EPS 5Y-15.95%
EPS Q2Q%-40.91%
Revenue 1Y (TTM)-1.95%
Revenue growth 3Y7.39%
Revenue growth 5Y8.34%
Sales Q2Q%0.5%
3.2 Future
The Earnings Per Share is expected to decrease by -31.90% on average over the next years. This is quite bad
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-70.9%
EPS Next 2Y-31.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.57%
Revenue Next 2YN/A
Revenue Next 3YN/A
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 decreasing.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.85, which indicates a very decent valuation of UHAL.
89.47% of the companies in the same industry are more expensive than UHAL, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of UHAL to the average of the S&P500 Index (27.10), we can say UHAL is valued rather cheaply.
UHAL is valuated rather expensively with a Price/Forward Earnings ratio of 18.37.
UHAL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UHAL is cheaper than 65.79% of the companies in the same industry.
UHAL's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.85 | ||
| Fwd PE | 18.37 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, UHAL is valued a bit cheaper than the industry average as 65.79% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 11.06 |
4.3 Compensation for Growth
A cheap valuation may be justified as UHAL's earnings are expected to decrease with -31.90% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-31.9%
EPS Next 3YN/A
5. Dividend
5.1 Amount
UHAL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
U-HAUL HOLDING CO
NYSE:UHAL (1/13/2025, 8:04:00 PM)
After market: 67.64 0 (0%)67.64
+0.74 (+1.11%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)
Earnings (Next)
Inst Owners37.04%
Inst Owner Change-0.07%
Ins Owners6.66%
Ins Owner Change0%
Market Cap13.26B
Analysts43.33
Price Target78.64 (16.26%)
Short Float %20.16%
Short Ratio14.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)-39.26%
DP7.35%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-28.95%
Min EPS beat(2)-32.41%
Max EPS beat(2)-25.49%
EPS beat(4)1
Avg EPS beat(4)68.59%
Min EPS beat(4)-144.56%
Max EPS beat(4)476.84%
EPS beat(8)3
Avg EPS beat(8)139.65%
EPS beat(12)3
Avg EPS beat(12)87.39%
EPS beat(16)6
Avg EPS beat(16)74.81%
Revenue beat(2)0
Avg Revenue beat(2)-2.61%
Min Revenue beat(2)-3.6%
Max Revenue beat(2)-1.62%
Revenue beat(4)0
Avg Revenue beat(4)-2.11%
Min Revenue beat(4)-3.6%
Max Revenue beat(4)-0.99%
Revenue beat(8)0
Avg Revenue beat(8)-3.28%
Revenue beat(12)2
Avg Revenue beat(12)-3.01%
Revenue beat(16)6
Avg Revenue beat(16)-0.26%
PT rev (1m)0%
PT rev (3m)7.46%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-60.19%
EPS NY rev (1m)-17.64%
EPS NY rev (3m)-20.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.85 | ||
| Fwd PE | 18.37 | ||
| P/S | 2.35 | ||
| P/FCF | N/A | ||
| P/OCF | 8.84 | ||
| P/B | 1.76 | ||
| P/tB | 1.76 | ||
| EV/EBITDA | 11.06 |
EPS(TTM)6.87
EY10.16%
EPS(NY)3.68
Fwd EY5.44%
FCF(TTM)-8.95
FCFYN/A
OCF(TTM)7.65
OCFY11.31%
SpS28.77
BVpS38.35
TBVpS38.35
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.39% | ||
| ROE | 6.39% | ||
| ROCE | 4.23% | ||
| ROIC | 3.18% | ||
| ROICexc | 3.45% | ||
| ROICexgc | 3.49% | ||
| OM | 13.74% | ||
| PM (TTM) | 8.52% | ||
| GM | 36.04% | ||
| FCFM | N/A |
ROA(3y)4.96%
ROA(5y)4.47%
ROE(3y)14%
ROE(5y)13.01%
ROIC(3y)6.28%
ROIC(5y)5.58%
ROICexc(3y)7.3%
ROICexc(5y)6.34%
ROICexgc(3y)7.36%
ROICexgc(5y)6.39%
ROCE(3y)8.35%
ROCE(5y)7.42%
ROICexcg growth 3Y-8.77%
ROICexcg growth 5Y-0.68%
ROICexc growth 3Y-8.88%
ROICexc growth 5Y-0.67%
OM growth 3Y-6.2%
OM growth 5Y1.24%
PM growth 3Y-5.99%
PM growth 5Y2.58%
GM growth 3Y-4.87%
GM growth 5Y-1.69%
F-Score4
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.9 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 4.05 | ||
| Cap/Depr | 364.71% | ||
| Cap/Sales | 57.7% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 89.91% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.17 | ||
| Quick Ratio | 1.08 | ||
| Altman-Z | 1.6 |
F-Score4
WACC7.94%
ROIC/WACC0.4
Cap/Depr(3y)347.87%
Cap/Depr(5y)321.69%
Cap/Sales(3y)45.62%
Cap/Sales(5y)45.33%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-54.23%
EPS 3Y-36.59%
EPS 5Y-15.95%
EPS Q2Q%-40.91%
EPS Next Y-70.9%
EPS Next 2Y-31.9%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.95%
Revenue growth 3Y7.39%
Revenue growth 5Y8.34%
Sales Q2Q%0.5%
Revenue Next Year-0.57%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-38.33%
EBIT growth 3Y0.73%
EBIT growth 5Y9.68%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-114.92%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-7.16%
OCF growth 3Y-1.83%
OCF growth 5Y8.29%