U-HAUL HOLDING CO (UHAL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UHAL - US0235861004 - Common Stock
54.8 USD
+0.5 (+0.92%)
54.8 USD
0 (0%)
Taking everything into account, UHAL scores 2 out of 10 in our fundamental rating. UHAL was compared to 42 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 quite expensive at the moment. It does show a decent growth rate.
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
UHAL's Return On Assets of 1.09% is in line compared to the rest of the industry. UHAL outperforms 47.62% of its industry peers.
UHAL has a Return On Equity of 3.00%. This is comparable to the rest of the industry: UHAL outperforms 52.38% of its industry peers.
UHAL has a Return On Invested Capital (2.60%) which is in line with its industry peers.
UHAL had an Average Return On Invested Capital over the past 3 years of 4.63%. This is below the industry average of 6.93%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 3% | ||
| ROIC | 2.6% |
ROA(3y)3.39%
ROA(5y)4.17%
ROE(3y)9.27%
ROE(5y)11.9%
ROIC(3y)4.63%
ROIC(5y)5.51%
1.3 Margins
The Profit Margin of UHAL (3.90%) is better than 66.67% of its industry peers.
In the last couple of years the Profit Margin of UHAL has declined.
UHAL has a Operating Margin of 11.24%. This is in the better half of the industry: UHAL outperforms 76.19% of its industry peers.
In the last couple of years the Operating Margin of UHAL has declined.
Looking at the Gross Margin, with a value of 36.97%, UHAL is in line with its industry, outperforming 50.00% of the companies in the same industry.
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 | 11.24% | ||
| PM (TTM) | 3.9% | ||
| GM | 36.97% |
OM growth 3Y-24.46%
OM growth 5Y-1.89%
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.
Compared to 5 years ago, UHAL has more shares outstanding
The debt/assets ratio for UHAL is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.37, 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 1.37, UHAL is doing worse than 71.43% 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 64.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.37 |
ROIC/WACC0.27
WACC9.7%
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 has a worse Current ratio (0.79) than 73.81% of its industry peers.
A Quick Ratio of 0.69 indicates that UHAL may have some problems paying its short term obligations.
UHAL's Quick ratio of 0.69 is on the low side compared to the rest of the industry. UHAL is outperformed by 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.79 | ||
| Quick Ratio | 0.69 |
3. Growth
3.1 Past
UHAL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -85.30%.
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 5.86% in the past year.
UHAL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.93% yearly.
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
UHAL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 36.83% yearly.
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-70.6%
EPS Next 2Y-14.62%
EPS Next 3Y36.83%
EPS Next 5YN/A
Revenue Next Year6.53%
Revenue Next 2Y5.36%
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.
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
The Price/Earnings ratio is 54.26, which means the current valuation is very expensive for UHAL.
Compared to the rest of the industry, the Price/Earnings ratio of UHAL is on the same level as its industry peers.
When comparing the Price/Earnings ratio of UHAL to the average of the S&P500 Index (27.19), we can say UHAL is valued expensively.
Based on the Price/Forward Earnings ratio of 44.22, the valuation of UHAL can be described as expensive.
UHAL's Price/Forward Earnings ratio is in line with the industry average.
UHAL is valuated expensively when we compare the Price/Forward Earnings ratio to 23.92, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 54.26 | ||
| Fwd PE | 44.22 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, UHAL is valued a bit cheaper than the industry average as 73.81% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.87 |
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 2Y-14.62%
EPS Next 3Y36.83%
5. Dividend
5.1 Amount
UHAL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
54.8
+0.5 (+0.92%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)
Earnings (Next)
Inst Owners39.31%
Inst Owner Change0%
Ins Owners6.68%
Ins Owner Change0%
Market Cap10.75B
Revenue(TTM)5.97B
Net Income(TTM)232.76M
Analysts77.78
Price Target80.61 (47.1%)
Short Float %13.88%
Short Ratio6.52
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)4
Avg EPS beat(12)137.17%
EPS beat(16)4
Avg EPS beat(16)98.59%
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)0%
PT rev (3m)-11.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)57.14%
EPS NY rev (1m)0%
EPS NY rev (3m)-18.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.03%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 54.26 | ||
| Fwd PE | 44.22 | ||
| P/S | 1.8 | ||
| P/FCF | N/A | ||
| P/OCF | 6.63 | ||
| P/B | 1.38 | ||
| P/tB | 1.38 | ||
| EV/EBITDA | 9.87 |
EPS(TTM)1.01
EY1.84%
EPS(NY)1.24
Fwd EY2.26%
FCF(TTM)-9.28
FCFYN/A
OCF(TTM)8.26
OCFY15.08%
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 | 3.42% | ||
| ROIC | 2.6% | ||
| ROICexc | 2.75% | ||
| ROICexgc | 2.77% | ||
| OM | 11.24% | ||
| 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)4.63%
ROIC(5y)5.51%
ROICexc(3y)5.15%
ROICexc(5y)6.27%
ROICexgc(3y)5.19%
ROICexgc(5y)6.32%
ROCE(3y)6.11%
ROCE(5y)7.27%
ROICexgc growth 3Y-31.79%
ROICexgc growth 5Y-3.29%
ROICexc growth 3Y-31.82%
ROICexc growth 5Y-3.29%
OM growth 3Y-24.46%
OM growth 5Y-1.89%
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 | 4.38 | ||
| Cap/Depr | 316.47% | ||
| Cap/Sales | 57.6% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 92.16% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.79 | ||
| Quick Ratio | 0.69 | ||
| Altman-Z | 1.37 |
F-Score4
WACC9.7%
ROIC/WACC0.27
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-70.6%
EPS Next 2Y-14.62%
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 Year6.53%
Revenue Next 2Y5.36%
Revenue Next 3Y3.53%
Revenue Next 5YN/A
EBIT growth 1Y-13.44%
EBIT growth 3Y-24.07%
EBIT growth 5Y5.9%
EBIT Next Year131.72%
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.
What is the valuation status of U-HAUL HOLDING CO (UHAL) stock?
ChartMill assigns a valuation rating of 2 / 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.
What is the financial health of U-HAUL HOLDING CO (UHAL) stock?
The financial health rating of U-HAUL HOLDING CO (UHAL) is 0 / 10.
What is the earnings growth outlook for U-HAUL HOLDING CO?
The Earnings per Share (EPS) of U-HAUL HOLDING CO (UHAL) is expected to decline by -70.6% in the next year.