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. While showing a medium growth rate, UHAL is valued expensive at the moment.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year UHAL was profitable.
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

UHAL has a Return On Assets of 1.09%. This is comparable to the rest of the industry: UHAL outperforms 47.62% of its industry peers.
The Return On Equity of UHAL (3.00%) is comparable to the rest of the industry.
UHAL has a Return On Invested Capital of 2.60%. This is comparable to the rest of the industry: UHAL outperforms 50.00% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for UHAL is below the industry average of 6.90%.

		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.
UHAL's Profit Margin has declined in the last couple of years.
UHAL's Operating Margin of 11.24% is fine compared to the rest of the industry. UHAL outperforms 76.19% of its industry peers.
UHAL's Operating Margin has declined in the last couple of years.
UHAL's Gross Margin of 36.97% is in line compared to the rest of the industry. UHAL outperforms 50.00% of its industry peers.
UHAL's Gross Margin has been stable in the last couple of years.

		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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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

UHAL has an Altman-Z score of 1.38. This is a bad value and indicates that UHAL is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.38, UHAL is doing worse than 66.67% 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.
Looking at the Debt to Equity ratio, with a value of 0.99, UHAL is doing worse than 64.29% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.99
Debt/FCF	N/A
Altman-Z	1.38

ROIC/WACC0.27

WACC9.55%

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 76.19% 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 85.71% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.79
Quick Ratio	0.69

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for UHAL have decreased strongly by -85.30% in the last year.
UHAL shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -40.34% yearly.
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

Based on estimates for the next years, UHAL will show a very strong growth in Earnings Per Share. The EPS will grow by 28.06% on average per year.
Based on estimates for the next years, UHAL will show a small growth in Revenue. The Revenue will grow by 3.53% on average per year.

EPS Next Y-53.6%

EPS Next 2Y-24.37%

EPS Next 3Y28.06%

EPS Next 5YN/A

Revenue Next Year6.57%

Revenue Next 2Y5.38%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 55.99 indicates a quite expensive valuation of UHAL.
UHAL's Price/Earnings ratio is in line with the industry average.
UHAL is valuated expensively when we compare the Price/Earnings ratio to 28.32, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 58.16 indicates a quite expensive valuation of UHAL.
Based on the Price/Forward Earnings ratio, UHAL is valued a bit more expensive than 61.90% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 25.57, UHAL is valued quite expensively.

		Industry Rank	Sector Rank
PE	55.99
Fwd PE	58.16

4.2 Price Multiples

UHAL's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. UHAL is cheaper than 71.43% of the companies in the same industry.