U-HAUL HOLDING CO (UHAL) Stock Fundamental Analysis
NYSE:UHAL - New York Stock Exchange, Inc. - US0235861004 - Common Stock - Currency: USD
Taking everything into account, UHAL scores 3 out of 10 in our fundamental rating. UHAL was compared to 39 industry peers in the Ground Transportation industry. UHAL has a medium profitability rating, but doesn't score so well on its financial health evaluation. UHAL has a expensive valuation and it also scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year UHAL was profitable.
UHAL had a positive operating cash flow in the past year.
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
The Return On Assets of UHAL (2.21%) is worse than 60.53% of its industry peers.
UHAL has a Return On Equity (5.88%) which is in line with its industry peers.
UHAL has a Return On Invested Capital of 2.94%. This is comparable to the rest of the industry: UHAL outperforms 44.74% of its industry peers.
UHAL had an Average Return On Invested Capital over the past 3 years of 6.28%. This is in line with the industry average of 7.66%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.21% | ||
| ROE | 5.88% | ||
| ROIC | 2.94% |
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
UHAL's Profit Margin of 7.88% is fine compared to the rest of the industry. UHAL outperforms 68.42% of its industry peers.
In the last couple of years the Profit Margin of UHAL has grown nicely.
UHAL has a Operating Margin of 12.81%. This is in the better half of the industry: UHAL outperforms 73.68% of its industry peers.
In the last couple of years the Operating Margin of UHAL has remained more or less at the same level.
UHAL has a Gross Margin (36.25%) which is in line with its industry peers.
In the last couple of years the Gross Margin of UHAL has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.81% | ||
| PM (TTM) | 7.88% | ||
| GM | 36.25% |
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 1.61, we must say that UHAL is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.61, UHAL is doing worse than 65.79% of the companies in the same industry.
UHAL has a Debt/Equity ratio of 0.90. This is a neutral value indicating UHAL is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.90, UHAL is doing worse than 63.16% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.9 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.61 |
ROIC/WACC0.33
WACC8.92%
2.3 Liquidity
A Current Ratio of 0.81 indicates that UHAL may have some problems paying its short term obligations.
UHAL's Current ratio of 0.81 is on the low side compared to the rest of the industry. UHAL is outperformed by 73.68% of its industry peers.
UHAL has a Quick Ratio of 0.81. 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 0.71. This is in the lower half of the industry: UHAL underperforms 78.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.81 | ||
| Quick Ratio | 0.71 |
3. Growth
3.1 Past
UHAL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -78.71%.
UHAL shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -15.95% yearly.
The Revenue has decreased by -0.48% in the past year.
UHAL shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.34% yearly.
EPS 1Y (TTM)-78.71%
EPS 3Y-36.59%
EPS 5Y-15.95%
EPS Q2Q%-94.07%
Revenue 1Y (TTM)-0.48%
Revenue growth 3Y7.39%
Revenue growth 5Y8.34%
Sales Q2Q%3.66%
3.2 Future
The Earnings Per Share is expected to decrease by -19.11% on average over the next years. This is quite bad
Based on estimates for the next years, UHAL will show a small growth in Revenue. The Revenue will grow by 2.12% on average per year.
EPS Next Y-71.22%
EPS Next 2Y-30.04%
EPS Next 3Y-19.11%
EPS Next 5YN/A
Revenue Next Year-0.28%
Revenue Next 2Y1.34%
Revenue Next 3Y2.12%
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 stable.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
UHAL is valuated quite expensively with a Price/Earnings ratio of 34.67.
Compared to the rest of the industry, the Price/Earnings ratio of UHAL is on the same level as its industry peers.
UHAL's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 30.30.
With a Price/Forward Earnings ratio of 18.82, UHAL is valued on the expensive side.
Based on the Price/Forward Earnings ratio, UHAL is valued a bit cheaper than the industry average as 71.05% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 23.06. UHAL is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.67 | ||
| Fwd PE | 18.82 |
4.2 Price Multiples
UHAL's Enterprise Value to EBITDA ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 12.17 |
4.3 Compensation for Growth
UHAL's earnings are expected to decrease with -19.11% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-30.04%
EPS Next 3Y-19.11%
5. Dividend
5.1 Amount
No dividends for UHAL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
73.15
-0.68 (-0.92%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)
Earnings (Next)
Inst Owners37.04%
Inst Owner Change6.29%
Ins Owners6.66%
Ins Owner Change0%
Market Cap14.34B
Analysts45.71
Price Target76.9 (5.13%)
Short Float %14.56%
Short Ratio10.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.16
Dividend Growth(5Y)-39.26%
DP7.87%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-35.57%
Min EPS beat(2)-38.73%
Max EPS beat(2)-32.41%
EPS beat(4)0
Avg EPS beat(4)-60.3%
Min EPS beat(4)-144.56%
Max EPS beat(4)-25.49%
EPS beat(8)2
Avg EPS beat(8)61.44%
EPS beat(12)3
Avg EPS beat(12)84.7%
EPS beat(16)5
Avg EPS beat(16)70.57%
Revenue beat(2)1
Avg Revenue beat(2)-1.53%
Min Revenue beat(2)-3.6%
Max Revenue beat(2)0.55%
Revenue beat(4)1
Avg Revenue beat(4)-1.42%
Min Revenue beat(4)-3.6%
Max Revenue beat(4)0.55%
Revenue beat(8)1
Avg Revenue beat(8)-2.06%
Revenue beat(12)2
Avg Revenue beat(12)-3.25%
Revenue beat(16)6
Avg Revenue beat(16)-0.68%
PT rev (1m)-2.21%
PT rev (3m)5.08%
EPS NQ rev (1m)-550%
EPS NQ rev (3m)-196.3%
EPS NY rev (1m)-1.1%
EPS NY rev (3m)-21.54%
Revenue NQ rev (1m)-0.35%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)-0.87%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.67 | ||
| Fwd PE | 18.82 | ||
| P/S | 2.52 | ||
| P/FCF | N/A | ||
| P/OCF | 9.77 | ||
| P/B | 1.88 | ||
| P/tB | 1.88 | ||
| EV/EBITDA | 12.17 |
EPS(TTM)2.11
EY2.88%
EPS(NY)3.89
Fwd EY5.31%
FCF(TTM)-10.13
FCFYN/A
OCF(TTM)7.49
OCFY10.24%
SpS29.02
BVpS38.92
TBVpS38.92
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.21% | ||
| ROE | 5.88% | ||
| ROCE | 3.91% | ||
| ROIC | 2.94% | ||
| ROICexc | 3.11% | ||
| ROICexgc | 3.15% | ||
| OM | 12.81% | ||
| PM (TTM) | 7.88% | ||
| GM | 36.25% | ||
| 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-Score3
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.9 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 4.15 | ||
| Cap/Depr | 370.59% | ||
| Cap/Sales | 60.72% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 88.39% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.81 | ||
| Quick Ratio | 0.71 | ||
| Altman-Z | 1.61 |
F-Score3
WACC8.92%
ROIC/WACC0.33
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)-78.71%
EPS 3Y-36.59%
EPS 5Y-15.95%
EPS Q2Q%-94.07%
EPS Next Y-71.22%
EPS Next 2Y-30.04%
EPS Next 3Y-19.11%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.48%
Revenue growth 3Y7.39%
Revenue growth 5Y8.34%
Sales Q2Q%3.66%
Revenue Next Year-0.28%
Revenue Next 2Y1.34%
Revenue Next 3Y2.12%
Revenue Next 5YN/A
EBIT growth 1Y-35.81%
EBIT growth 3Y0.73%
EBIT growth 5Y9.68%
EBIT Next Year40.4%
EBIT Next 3Y17.39%
EBIT Next 5YN/A
FCF growth 1Y-123.94%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-12.2%
OCF growth 3Y-1.83%
OCF growth 5Y8.29%