Market Price

323.57 

5.84 1.8%

as of Aug 03 '20

52 Week Range:

222.34 426.50


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

AMERCO operates as a do-it-yourself moving and storage operator for household and commercial goods in the United States and Canada. The company's Moving and Storage segment rents trucks, trailers, portable moving and storage units, specialty rental items, and self-storage spaces primarily to the household movers; and sells moving supplies, towing accessories, and propane. It also provides uhaul.com, an online marketplace that connects consumers to independent Moving Help service providers and independent self-storage affiliates; auto transport and tow dolly options to transport vehicles; and specialty boxes for dishes, computers, and sensitive electronic equipment, as well as tapes, security locks, and packing supplies. This segment rents its products and services through a network of approximately 2,065 company operated retail moving stores and 20,100 independent U-Haul dealers. As of March 31, 2020, it had a rental fleet of approximately 176,000 trucks, 127,000 trailers, and 41,000 towing devices; and 1,745 self-storage locations with approximately 774,000 rentable storage units. The company's Property and Casualty Insurance segment offers loss adjusting and claims handling services. It also provides moving and storage protection packages, such as Safemove and Safetow packages, which offer moving and towing customers with a damage waiver, cargo protection, and medical and life insurance coverage; Safestor that protects storage customers from loss on their goods in storage; Safestor Mobile, which protects customers stored belongings; and Safemove Plus, which provides rental customers with a layer of primary liability protection. The company's Life Insurance segment provides life and health insurance products primarily to the senior market through the direct writing and reinsuring of life insurance, medicare supplement, and annuity policies. AMERCO was founded in 1945 and is based in Reno, Nevada.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Mar '10 Mar '11 Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18 Mar '19 Mar '20
Equity (BVPS) 41.46
50.64
51.06
60.72
76.22
97.23
113.47
135.70
174.07
188.29
209.26
growth rate 22.1% 0.8% 18.9% 25.5% 27.6% 16.7% 19.6% 28.3% 8.2% 11.1%
Earnings BIT 100.19
289.31
325.64
408.49
630.21
723.72
866.08
714.07
568.91
619.93
growth rate 188.8% 12.6% 25.4% 54.3% 14.8% 19.7% -17.6% -20.3% 9.0%
Avg.PE 19.80
11.03
10.46
12.80
13.26
18.07
15.16
15.45
8.83
19.20
19.70
growth rate -44.3% -5.2% 22.4% 3.6% 36.3% -16.1% 1.9% -42.9% 117.4% 2.6%
ROA 1.40
4.31
4.45
5.32
6.06
5.54
6.51
4.54
7.85
3.28
3.49
growth rate 207.9% 3.3% 19.6% 13.9% -8.6% 17.5% -30.3% 72.9% -58.2% 6.4%
ROE 6.95
18.94
19.38
23.37
24.84
20.91
23.65
16.36
26.23
10.45
11.17
growth rate 172.5% 2.3% 20.6% 6.3% -15.8% 13.1% -30.8% 60.3% -60.2% 6.9%
ROIC 3.69
8.51
8.67
11.85
12.55
11.04
12.18
8.65
13.81
6.48
6.62
growth rate 130.6% 1.9% 36.7% 5.9% -12.0% 10.3% -29.0% 59.7% -53.1% 2.2%
Cur. Ratio 1.13
1.16
1.07
0.69
0.68
0.62
0.68
0.76
0.71
0.77
0.89
growth rate 2.7% -7.8% -35.5% -1.5% -8.8% 9.7% 11.8% -6.6% 8.5% 15.6%
Quick Ratio 0.95
0.98
0.94
0.62
0.60
0.50
0.55
0.63
0.56
0.59
0.46
growth rate 3.2% -4.1% -34.0% -3.2% -16.7% 10.0% 14.6% -11.1% 5.4% -22.0%
Leverage 4.63
4.21
4.49
4.32
3.93
3.64
3.62
3.59
3.15
3.22
3.18
growth rate -9.1% 6.7% -3.8% -9.0% -7.4% -0.6% -0.8% -12.3% 2.2% -1.2%
Balance Sheet Mar '10 Mar '11 Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18 Mar '19 Mar '20
Acct.Receivable 18.00
19.60
614.13
443.82
368.95
331.66
260.87
264.25
386.81
255.67
growth rate 8.9% 3,033.3% -27.7% -16.9% -10.1% -21.3% 1.3% 46.4% -33.9%
Acct.Payable 335.33
358.49
357.95
463.19
478.19
431.94
495.02
541.27
growth rate 6.9% -0.2% 29.4% 3.2% -9.7% 14.6% 9.3%
Cur.Assets 1,814.10
2,081.60
2,281.69
2,551.55
2,589.77
1,066.48
1,150.27
1,244.31
1,465.44
1,259.89
growth rate 14.8% 9.6% 11.8% 1.5% -58.8% 7.9% 8.2% 17.8% -14.0%
Total Assets 3,762.50
4,176.20
4,654.05
5,306.60
5,998.98
6,872.18
8,109.29
9,405.84
10,747.42
11,891.71
growth rate 11.0% 11.4% 14.0% 13.1% 14.6% 18.0% 16.0% 14.3% 10.7%
Cash 244.10
375.50
357.18
463.74
495.11
441.85
600.65
697.81
759.39
673.70
growth rate 53.8% -4.9% 29.8% 6.8% -10.8% 35.9% 16.2% 8.8% -11.3%
Inventory 52.80
59.90
58.74
56.40
67.02
69.47
79.76
82.44
89.88
103.50
growth rate 13.5% -1.9% -4.0% 18.8% 3.7% 14.8% 3.4% 9.0% 15.2%
Cur.Liabilities 1,601.90
1,785.30
2,967.48
3,135.38
3,382.91
496.37
502.54
450.54
511.12
1,032.77
growth rate 11.5% 66.2% 5.7% 7.9% -85.3% 1.2% -10.4% 13.4% 102.1%
Liabilities 2,949.50
3,183.10
3,618.23
4,077.34
4,471.61
4,987.82
5,857.88
6,786.10
7,338.71
8,199.32
growth rate 7.9% 13.7% 12.7% 9.7% 11.5% 17.4% 15.9% 8.1% 11.7%
LT Debt 1,347.60
1,397.80
1,486.20
1,661.80
1,942.40
1,588.40
1,974.57
2,386.05
2,528.86
2,945.86
growth rate 3.7% 6.3% 11.8% 16.9% -18.2% 24.3% 20.8% 6.0% 16.5%
Equity 812.90
993.00
1,035.82
1,229.26
1,527.37
2,036.36
2,403.40
2,771.74
3,560.71
3,844.39
growth rate 22.2% 4.3% 18.7% 24.3% 33.3% 18.0% 15.3% 28.5% 8.0%
Common Shares 19.00
19.00
19.00
20.00
20.00
20.00
20.00
20.00
20.00
20.00
20.00
growth rate 0.0% 0.0% 5.3% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Mar '10 Mar '11 Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18 Mar '19 Mar '20
Capital Expenditures 116.60
300.00
597.63
657.06
1,000.78
1,041.93
1,509.15
1,419.51
1,363.75
1,869.97
growth rate 157.3% 99.2% 9.9% 52.3% 4.1% 44.8% -5.9% -3.9% 37.1%
Cash Dividends 12.90
12.40
22.40
97.42
19.57
19.59
78.37
58.76
29.38
growth rate -3.9% 80.6% 335.0% -79.9% 0.1% 300.0% -25.0% -50.0%
Cash From OA 402.50
572.90
669.84
661.53
733.97
759.10
1,045.35
1,059.46
937.68
975.58
growth rate 42.3% 16.9% -1.2% 11.0% 3.4% 37.7% 1.4% -11.5% 4.0%
FCF per Share 7.24
4.75
1.82
7.81
-14.17
-18.62
-15.91
-16.41
-24.55
-37.96
-72.07
growth rate -34.4% -61.7% 329.1% -100.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Sale Purchase of Stock -144.29
0.69
-0.21
-7.94
-9.30
-11.11
-11.64
growth rate 100.0% -100.0% 0.0% 0.0% 0.0% 0.0%
FCF 140.00
92.00
75.00
6.00
-290.00
-304.00
-468.00
-399.00
-427.00
-894.00
-1,234.00
growth rate -34.3% -18.5% -92.0% -100.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Income Statement Mar '10 Mar '11 Mar '12 Mar '13 Mar '14 Mar '15 Mar '16 Mar '17 Mar '18 Mar '19 Mar '20
Sales 2,002.00
2,251.40
2,512.03
2,558.59
2,835.25
3,074.53
3,275.47
3,421.77
3,601.11
3,768.71
growth rate 12.5% 11.6% 1.9% 10.8% 8.4% 6.5% 4.5% 5.2% 4.7%
Op.Income 193.50
377.70
205.37
264.71
630.21
723.72
866.08
714.07
568.91
619.93
growth rate 95.2% -45.6% 28.9% 138.1% 14.8% 19.7% -17.6% -20.3% 9.0%
IBT 100.20
289.30
325.64
408.49
537.52
561.42
768.91
628.36
637.61
477.53
growth rate 188.7% 12.6% 25.4% 31.6% 4.5% 37.0% -18.3% 1.5% -25.1%
Net Income 65.60
183.60
205.37
264.71
342.39
356.74
489.00
398.42
790.58
370.86
growth rate 179.9% 11.9% 28.9% 29.4% 4.2% 37.1% -18.5% 98.4% -53.1%
EPS 2.74
8.80
10.09
13.56
17.51
18.21
24.95
20.34
40.36
18.93
22.55
growth rate 221.2% 14.7% 34.4% 29.1% 4.0% 37.0% -18.5% 98.4% -53.1% 19.1%
Gross Profit 706.80
927.80
2,395.49
2,451.37
2,707.98
1,001.89
1,157.32
1,164.00
1,113.08
1,174.99
growth rate 31.3% 158.2% 2.3% 10.5% -63.0% 15.5% 0.6% -4.4% 5.6%

Quarterly Statements

Item Name Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Earnings BIT 137.85
26.93
211.98
244.26
80.83
growth rate -80.5% 687.2% 15.2% -66.9%
Balance Sheet Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Acct.Receivable 229.92
255.67
274.45
235.38
248.15
growth rate 11.2% 7.3% -14.2% 5.4%
Acct.Payable 517.36
541.27
589.96
543.91
550.36
growth rate 4.6% 9.0% -7.8% 1.2%
Cur.Assets 1,488.41
1,259.89
1,087.97
1,057.22
1,171.89
growth rate -15.4% -13.7% -2.8% 10.9%
Total Assets 11,645.76
11,891.71
12,474.74
12,856.20
12,994.32
growth rate 2.1% 4.9% 3.1% 1.1%
Cash 984.39
673.70
519.83
525.23
631.95
growth rate -31.6% -22.8% 1.0% 20.3%
Inventory 96.19
103.50
101.03
102.36
103.00
growth rate 7.6% -2.4% 1.3% 0.6%
Cur.Liabilities 517.36
1,032.77
866.70
814.63
806.54
growth rate 99.6% -16.1% -6.0% -1.0%
Liabilities 7,953.72
8,199.32
8,605.72
8,798.13
8,891.11
growth rate 3.1% 5.0% 2.2% 1.1%
LT Debt 2,962.97
2,945.86
3,136.11
3,636.16
3,753.14
growth rate -0.6% 6.5% 15.9% 3.2%
Equity 3,844.04
3,844.39
4,021.02
4,210.07
4,255.21
growth rate 0.0% 4.6% 4.7% 1.1%
Common Shares 10.50
10.50
10.50
10.50
10.50
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Capital Expenditures 210.82
544.60
847.25
742.12
328.49
growth rate 158.3% 55.6% -12.4% -55.7%
Cash Dividends 9.80
9.80
9.80
9.80
growth rate 0.0% 0.0% 0.1%
Cash From OA 175.65
97.88
380.93
356.84
215.22
growth rate -44.3% 289.2% -6.3% -39.7%
Sale Purchase of Stock
growth rate
FCF -35.18
-446.72
-466.32
-385.29
-113.27
growth rate 0.0% 0.0% 0.0% 0.0%
Income Statement Dec '18 Mar '19 Jun '19 Sep '19 Dec '19
Sales 919.09
725.53
1,079.25
1,150.21
927.88
growth rate -21.1% 48.8% 6.6% -19.3%
Op.Income 137.85
26.93
211.98
244.26
80.83
growth rate -80.5% 687.2% 15.2% -66.9%
IBT 103.02
-10.35
174.71
205.35
40.33
growth rate -100.0% 100.0% 17.5% -80.4%
Net Income 78.64
0.83
132.42
156.33
30.93
growth rate -98.9% 15,835.3% 18.1% -80.2%
EPS
growth rate
Gross Profit 281.58
178.70
352.84
396.08
251.17
growth rate -36.5% 97.5% 12.3% -36.6%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (45.96)

YOY Growth Grade:

D (48.90)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 14.09 14.35 17.75
EPS / Growth -18.6% 22.55 15.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 17.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 11.2% 11.2%
Future PE 2.00 18.11 18.11
Future EPS 24.91 65.42 65.42
Value Price
MOS %
12.31
-96.2%
292.82
-9.5%
292.82
-9.5%
MOS Price 6.16 146.41 146.41
IRT 13.35 8.40 8.40

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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