Seven criteria, each scored 0 to 100 on a published scale, weighted into one number.
54/100RyuScore 54 out of 100, Average
54
Today's price. Only valuation depends on it.
-50%-40%-30%-20%-10%today+10%+20%+30%
Average. Universal Corporation scores higher than 56% of the 1,794 companies Ryufin scores.
Carried by cycle position and capital allocation, held back by return on capital and the balance sheet.
Consumer Defensive median 60 · all companies 50
Valuation
26% of the score
48median 13
Universal Corporation is valued at 17.1x its operating profit, including debt: an ordinary multiple.
25x
20x
15x
10x
6x
17.1x
Full points at 6x or less, none from 25xfull points
Return on capital
18% of the score
31median 34
Over 7 years the business earned 6.2% a year after tax on the capital it uses.
2%
8%
15%
25%
6.2%
None at 2% or less, full points from 25%full points
Return on capital by year
7 years agolatest 4.5%
Return on new capital
16% of the score
49median 49
For every dollar of operating profit earned over 6 years, yearly profit grew by 3 cents. New capital earned 6.8%, and 50% of profit went back into the business.
-5%
12%
3.4%
None at minus 5 cents, full points from 12 centsfull points
Capital allocation
14% of the score
75median 64
How management spends the money: shares bought back or issued, and whether assets grow faster than the business they serve.
Share countUp 0.3% a year over 5 years: new shares
59
5%
-3%
0.3%
0 pointsfull points
Assets against salesAssets grew 3.4% a year, sales 8%
100
12%
-2%
-4.6%
0 pointsfull points
Cycle position
12% of the score
100median 62
Today's operating margin of 4.9% is 0.63x its normal 7.7%: near a trough. Normal is half the 10 year median, half the last four years, so a margin that has held is not taken for a peak.
2x
1.5x
1x
0.7x
0.6x
A trough earns points, a peak costs themfull points
Operating margin by year, against its normal level
10 years agonow 4.9%
Balance sheet
8% of the score
2median 50
What the debt weighs against the profit that has to carry it.
Net debt to EBITDA6x a year of EBITDA
0
4.5x
0.5x
6x
0 pointsfull points
Interest coverOperating profit covers interest 2x
4
1.5x
12x
1.9x
0 pointsfull points
Earnings quality
6% of the score
86median 90
Whether the reported profit arrives as cash, and whether the accounts show the usual signs of stretching.
Cash against profitOperating cash flow was 1.54x profit over 3 years
100
0.7x
1x
1.3x
1.5x
0 pointsfull points
AccrualsCash ran ahead of profit by 3.4% of assets
77
8%
0%
-8%
-3.4%
0 pointsfull points
Beneish M-score-2.65
82
-1.50
-1.78
-2.22
-3.00
-2.65
0 pointsfull points
How the RyuScore works
Each criterion earns 0 to 100 points on the scale drawn under it, and the RyuScore is their average weighted 26, 18, 16, 14, 12, 8 and 6. Scales bend in the company's favour between their ends, so an ordinary figure is never already near zero. Where a criterion cannot be measured from the filings it is taken out and the remaining weights scale up; a company needs 60% of the weight covered, and always a price, to get a score.
Built from the company's annual and quarterly filings with the SEC and today's share price. Banks, insurers and property trusts are not scored: their debt is their raw material, so these yardsticks mean something else there. Figures as of 2026-06-30, latest annual report FY2026.