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CSX vs. UHAL: CSX vs. U-Haul Stock Comparison

How do CSX (CSX) and U-Haul (UHAL) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

CSX (CSX) and U-Haul (UHAL) both belong to the Ground Transportation industry, though CSX is classified under Rail Transportation while UHAL falls under Cargo Ground Transportation.

Company profile comparison for CSX (CSX) and U-Haul (UHAL)
Profile ItemCSXUHAL
NameCSX CorporationU-Haul Holding Company
Country/RegionUnited StatesUnited States
GICS SectorIndustrialsIndustrials
GICS Industry GroupTransportationTransportation
GICS IndustryGround TransportationGround Transportation
GICS Sub-IndustryRail TransportationCargo Ground Transportation
Market Capitalization90.99 billion USD11.01 billion USD
CurrencyUSDUSD
ExchangeNasdaqNYSE
Listing DateNovember 3, 1980November 4, 1994
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

CSX
UHAL
GSPC
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CSX (CSX) vs. U-Haul (UHAL), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for CSX (CSX) and U-Haul (UHAL). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for CSX (CSX) and U-Haul (UHAL). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for CSX (CSX) and U-Haul (UHAL)
MetricCSXUHAL
Total Return (1Y)42.93%7.10%
Total Return (3Y, Annualized)19.91%2.77%
Total Return (5Y, Annualized)8.47%-5.22%

Risk Profile

Drawdown History

CSX
UHAL
GSPC
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CSX (CSX) vs. U-Haul (UHAL), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for CSX (CSX) and U-Haul (UHAL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

CSX (CSX) is heavily traded at around 10.64M shares per day, whereas U-Haul (UHAL) sees a more moderate 147.08K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk profile metrics for CSX (CSX) and U-Haul (UHAL)
MetricCSXUHAL
Volatility (1Y, Annualized)23.05%34.63%
Beta (5Y)1.121.06
Max Drawdown (5Y)-29.44%-46.19%
Avg. Volume (3M)10.64M147.08K

Risk-Adjusted Performance

Risk-Return Positioning

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CSX and UHAL are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for CSX (CSX) and U-Haul (UHAL)
MetricCSXUHAL
Sharpe Ratio (1Y)1.680.08
Sortino Ratio (1Y)2.740.12

Profitability

ROE (TTM)

CSX (CSX) at 26.39% sits in the top ROE quartile, while U-Haul (UHAL) at 1.23% is in the bottom quartile, showing a clear gap in returns on equity.

CSX

Transportation industry group

26.39%

Max
45.08%
CSX
26.39%
Q3
22.02%
Median
13.94%
Q1
2.89%
Min
-10.45%

UHAL

Transportation industry group

1.23%

Max
45.08%
Q3
22.02%
Median
13.94%
Q1
2.89%
UHAL
1.23%
Min
-10.45%
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CSX (CSX) vs. U-Haul (UHAL): A comparison of their ROE against the Transportation industry group benchmark.

Net Margin (TTM)

CSX (CSX) at 23.97% keeps a top-quartile share of each sales dollar as profit, while U-Haul (UHAL) at 1.54% keeps a bottom-quartile share.

CSX

Transportation industry group

23.97%

Max
50.36%
CSX
23.97%
Q3
21.18%
Median
5.58%
Q1
1.55%
Min
-11.37%

UHAL

Transportation industry group

1.54%

Max
50.36%
Q3
21.18%
Median
5.58%
Q1
1.55%
UHAL
1.54%
Min
-11.37%
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CSX (CSX) vs. U-Haul (UHAL): A comparison of their net margin against the Transportation industry group benchmark.

Operating Margin (TTM)

CSX (CSX) at 39.26% operates in the top operating margin quartile, ahead of U-Haul (UHAL) at 14.92%, which runs around its industry’s norm.

CSX

Transportation industry group

39.26%

Max
59.18%
CSX
39.26%
Q3
29.30%
Median
11.50%
Q1
4.62%
Min
-8.91%

UHAL

Transportation industry group

14.92%

Max
59.18%
Q3
29.30%
UHAL
14.92%
Median
11.50%
Q1
4.62%
Min
-8.91%
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CSX (CSX) vs. U-Haul (UHAL): A comparison of their operating margin against the Transportation industry group benchmark.

Profitability Metrics

Profitability metrics for CSX (CSX) and U-Haul (UHAL)
MetricCSXUHAL
ROE (TTM)26.39%1.23%
ROA (TTM)7.77%1.39%
Net Margin (TTM)23.97%1.54%
Operating Margin (TTM)39.26%14.92%
Gross Margin (TTM)47.78%28.43%

Growth

Revenue Growth

U-Haul (UHAL) at 3.59% is around its peer norm for revenue growth, while CSX (CSX) at -3.08% drops into the bottom quartile, signaling weaker demand or pricing momentum.

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CSX (CSX) vs. U-Haul (UHAL): A comparison of their Revenue Growth across different time periods.

EPS Growth

CSX (CSX) at -13.97% is around its peer norm for EPS growth, while U-Haul (UHAL) at -85.80% drops into the bottom quartile, signaling weaker earnings momentum.

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CSX (CSX) vs. U-Haul (UHAL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for CSX (CSX) and U-Haul (UHAL)
MetricCSXUHAL
Revenue Growth (YoY)-3.08%3.59%
Revenue Growth (3Y CAGR)-1.74%0.97%
EPS Growth (YoY)-13.97%-85.80%
EPS Growth (3Y CAGR)-7.57%-64.88%

Financial Strength

Current Ratio (MRQ)

Both CSX (CSX) at 0.84 and U-Haul (UHAL) at 1.02 carry current ratio within their industries’ typical mid-ranges, suggesting balanced short-term liquidity relative to peers.

CSX

Transportation industry group

0.84

Max
2.58
Q3
1.62
Median
1.16
CSX
0.84
Q1
0.78
Min
0.22

UHAL

Transportation industry group

1.02

Max
2.58
Q3
1.62
Median
1.16
UHAL
1.02
Q1
0.78
Min
0.22
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CSX (CSX) vs. U-Haul (UHAL): A comparison of their current ratio against the Transportation industry group benchmark.

Debt / Equity (MRQ)

Both CSX (CSX) at 1.35 and U-Haul (UHAL) at 1.07 fund their balance sheets with roughly industry-typical debt-to-equity mixes.

CSX

Transportation industry group

1.35

Max
2.75
Q3
1.37
CSX
1.35
Median
0.78
Q1
0.35
Min
0.00

UHAL

Transportation industry group

1.07

Max
2.75
Q3
1.37
UHAL
1.07
Median
0.78
Q1
0.35
Min
0.00
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CSX (CSX) vs. U-Haul (UHAL): A comparison of their debt-to-equity ratio against the Transportation industry group benchmark.

Financial Strength Metrics

Financial strength metrics for CSX (CSX) and U-Haul (UHAL)
MetricCSXUHAL
Current Ratio (MRQ)0.841.02
Debt / Equity (MRQ)1.351.07
Net Debt / EBITDA2.509.16

Dividends

Dividend Yield (TTM)

U-Haul (UHAL) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile CSX (CSX) reports a yield of 1.08%, ranking against industry peers normally.

CSX

Transportation industry group

1.08%

Max
4.68%
Q3
1.99%
CSX
1.08%
Median
0.74%
Q1
0.00%
Min
0.00%

UHAL

Transportation industry group

0.00%

Max
4.68%
Q3
1.99%
Median
0.74%
UHAL
0.00%
Q1
0.00%
Min
0.00%
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CSX (CSX) vs. U-Haul (UHAL): A comparison of their dividend yield against the Transportation industry group benchmark.

Dividend Payout Ratio (TTM)

U-Haul (UHAL) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile CSX (CSX) reports a payout of 28.65%, ranking against industry peers normally.

CSX

Transportation industry group

28.65%

Max
100.89%
Q3
41.68%
CSX
28.65%
Median
20.43%
Q1
0.00%
Min
0.00%

UHAL

Transportation industry group

0.00%

Max
100.89%
Q3
41.68%
Median
20.43%
UHAL
0.00%
Q1
0.00%
Min
0.00%
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CSX (CSX) vs. U-Haul (UHAL): A comparison of their payout ratio against the Transportation industry group benchmark.

Dividend Metrics

Dividend metrics for CSX (CSX) and U-Haul (UHAL)
MetricCSXUHAL
Dividend Yield (TTM)1.08%0.00%
Dividend Payout Ratio (TTM)28.65%0.00%

Valuation

P/E Ratio (TTM)

CSX (CSX) at 25.58 is near its industry’s usual P/E ratio, while U-Haul (UHAL) at 183.03 sits above its peer range — an unusually expensive price for UHAL’s trailing earnings.

CSX

Transportation industry group

25.58

Max
46.76
Q3
30.87
CSX
25.58
Median
20.58
Q1
10.44
Min
0.00

UHAL

Transportation industry group

183.03

UHAL
183.03
Max
46.76
Q3
30.87
Median
20.58
Q1
10.44
Min
0.00
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CSX (CSX) vs. U-Haul (UHAL): A comparison of their P/E ratio against the Transportation industry group benchmark.

P/S Ratio (TTM)

U-Haul (UHAL) at 1.79 prices around its industry’s typical P/S ratio, while CSX (CSX) at 6.09 clears its benchmark range — CSX looks notably rich on sales.

CSX

Transportation industry group

6.09

CSX
6.09
Max
4.35
Q3
2.07
Median
0.93
Q1
0.53
Min
0.04

UHAL

Transportation industry group

1.79

Max
4.35
Q3
2.07
UHAL
1.79
Median
0.93
Q1
0.53
Min
0.04
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CSX (CSX) vs. U-Haul (UHAL): A comparison of their P/S ratio against the Transportation industry group benchmark.

P/B Ratio (MRQ)

U-Haul (UHAL) at 1.40 is valued about in line with its industry on P/B ratio, while CSX (CSX) at 6.29 carries an above-peer premium to book — CSX is pricier on assets.

CSX

Transportation industry group

6.29

CSX
6.29
Max
6.29
Q3
3.39
Median
1.90
Q1
1.03
Min
-2.07

UHAL

Transportation industry group

1.40

Max
6.29
Q3
3.39
Median
1.90
UHAL
1.40
Q1
1.03
Min
-2.07
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CSX (CSX) vs. U-Haul (UHAL): A comparison of their P/B ratio against the Transportation industry group benchmark.

Valuation Metrics

Valuation metrics for CSX (CSX) and U-Haul (UHAL)
MetricCSXUHAL
P/E Ratio (TTM)25.58183.03
P/S Ratio (TTM)6.091.79
P/B Ratio (MRQ)6.291.40
Free Cash Flow Yield (TTM)2.66%-13.85%