National Rural Utilities Cooper (NRUC)
Valuation Overview•Is National Rural Utilities Cooper Overvalued or Undervalued?
The market is pricing the stock in line with historical averages, assuming steady-state growth.
Moderate quality score of 48/100, reflecting stable operating margins and manageable leverage.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Average quality business weighed down by significant solvency concerns.
Wall Street sentiment is generally neutral. The company currently retains all capital for reinvestment and growth rather than returning it to shareholders.
NRUC demonstrates strong business quality with robust profitability and healthy margins. However, this is severely offset by a highly leveraged balance sheet (Debt/EBITDA > 4.0x) and elevated financial risk.
The company maintains stable top-line performance paired with stable bottom-line earnings. This growth is supported by elite operational efficiency, sustaining an impressive 68.3% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $45.7M | -57.3% | — | — | +5.0% | |
| EBITDA | $4.9M | — | — | — | — | |
| Net Income | $4.8M | -74.7% | -44.0% | — | — | |
| EPS (Diluted) | $0.00 | — | — | — | — | |
| Free Cash Flow | $82.0M | -35.5% | -4.5% | -0.7% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 100.0% | 72.1% | 62.9% | -11.6% |
| Operating Margin | 68.3% | 71.6% | 78.8% | 86.9% |
| Net Margin | 66.2% | 70.1% | 77.6% | 86.3% |
| FCF Margin | 53.5% | 56.3% | 44.0% | 37.1% |
Total return is +0.6% (1Y), lagging the benchmark by -19.4%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | -1.3% | -7.6% | — |
| 1Y | +0.6% | -19.4% | +5.7% |
| 3YCAGR | +3.8% | -15.2% | +16.9% |
| 5YCAGR | +1.8% | -9.6% | +25.0% |
| 10YCAGR | +2.7% | -10.9% | — |
The S&P 500 is at 31.4x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about National Rural Utilities Cooper (NRUC) valuation, health, and returns.
National Rural Utilities Cooper valuation is being assessed using available models.
Valuation anchors are currently not available.
National Rural Utilities Cooper displays fair financial health with a composite quality score of 48/100, supported by a Altman Z-Score of -1.0 (distress zone), Piotroski F-Score of 5/9, Return on Invested Capital (ROIC) of 0.3%.
National Rural Utilities Cooper does not return material capital to shareholders via dividends or share repurchases, electing to retain earnings to fund internal growth.
National Rural Utilities Cooper's current growth trajectory is Stable. The company achieved -57.3% 1Y revenue growth and N/A 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Hold based on 0 analysts. The consensus price target represents a N/A change from current levels.
Investment risks for National Rural Utilities Cooper include: -77.3% 1-year max drawdown, elevated distress risk. Volatility risk is characterized by a beta of 0.74x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.