📊 MUSA Key Takeaways
Is MUSA a Good Investment? Thesis Analysis
Murphy USA exhibits deteriorating fundamentals with revenue declining 4.2% YoY and net income falling 6.3% YoY in an already thin-margin retail business (2.4% net margin). Critical liquidity constraints (0.80x current ratio, 0.36x quick ratio) paired with extreme leverage (3.47x debt/equity) and minimal cash ($28.9M) create financial fragility, despite adequate interest coverage.
Why Buy MUSA? Key Strengths
- Strong operating cash flow of $813.9M annually provides debt servicing capacity
- Adequate interest coverage ratio of 14.4x indicates no imminent default risk
- Established market presence with $19.4B in revenues and positive free cash flow of $374.3M
MUSA Investment Risks to Consider
- Revenue contraction (-4.2% YoY) and net income deterioration (-6.3% YoY) in inherently low-margin sector signals market share loss or commodity price pressure
- Severe liquidity crisis with current ratio of 0.80x and quick ratio of 0.36x below operational minimums; insufficient liquid assets to cover near-term obligations
- Extreme leverage (3.47x debt/equity) with $2.2B long-term debt and minimal cash reserves ($28.9M) eliminates financial flexibility for disruptions or refinancing challenges
Key Metrics to Watch
- Operating cash flow and free cash flow trends—critical validators of debt sustainability amid revenue decline
- Current and quick ratios—deterioration signals liquidity crisis; improvement needed to reach safe levels above 1.0x
- Debt refinancing schedule and covenants—maturity profile and ability to access capital markets at sustainable rates
MUSA Financial Metrics
💡 AI Analyst Insight
The relatively thin 1.9% FCF margin may limit capital allocation flexibility. The current ratio below 1.0x warrants monitoring of short-term liquidity.
MUSA Profitability Ratios
MUSA vs Consumer Sector
How Murphy USA Inc. compares to Consumer sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is MUSA Overvalued or Undervalued?
Based on fundamental analysis, Murphy USA Inc. has mixed fundamental signals relative to the Consumer sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
MUSA Balance Sheet & Liquidity
MUSA 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: Murphy USA Inc.'s revenue has grown significantly by 24% over the 5-year period, indicating strong business expansion. The most recent EPS of $25.49 reflects profitable operations.
MUSA Growth Metrics (YoY)
MUSA Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $5.1B | $53.2M | $6.76 |
| Q2 2025 | $5.0B | $53.2M | $6.92 |
| Q1 2025 | $4.5B | $53.2M | $2.63 |
| Q3 2024 | $5.2B | $66.0M | $7.20 |
| Q2 2024 | $5.5B | $66.0M | $6.02 |
| Q1 2024 | $4.8B | $66.0M | $3.12 |
| Q3 2023 | $5.8B | $106.3M | $7.69 |
| Q2 2023 | $5.6B | $106.3M | $6.02 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
MUSA Capital Allocation
MUSA SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for Murphy USA Inc. (CIK: 0001573516)
📋 Recent SEC Filings
❓ Frequently Asked Questions about MUSA
What is the AI rating for MUSA?
Murphy USA Inc. (MUSA) has an AI rating of SELL with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are MUSA's key strengths?
Claude: Strong operating cash flow of $813.9M annually provides debt servicing capacity. Adequate interest coverage ratio of 14.4x indicates no imminent default risk.
What are the risks of investing in MUSA?
Claude: Revenue contraction (-4.2% YoY) and net income deterioration (-6.3% YoY) in inherently low-margin sector signals market share loss or commodity price pressure. Severe liquidity crisis with current ratio of 0.80x and quick ratio of 0.36x below operational minimums; insufficient liquid assets to cover near-term obligations.
What is MUSA's revenue and growth?
Murphy USA Inc. reported revenue of $19.4B.
Does MUSA pay dividends?
Murphy USA Inc. pays dividends, with $41.5M distributed to shareholders in the trailing twelve months.
Where can I find MUSA SEC filings?
Official SEC filings for Murphy USA Inc. (CIK: 0001573516) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is MUSA's EPS?
Murphy USA Inc. has a diluted EPS of $24.10.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is MUSA a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Murphy USA Inc. has a SELL rating with 72% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is MUSA stock overvalued or undervalued?
Valuation metrics for MUSA: ROE of 75.5% (sector avg: 18%), net margin of 2.4% (sector avg: 8%). Higher ROE suggests strong returns relative to peers.
Should I buy MUSA stock in 2026?
Our dual AI analysis gives Murphy USA Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is MUSA's free cash flow?
Murphy USA Inc.'s operating cash flow is $813.9M, with capital expenditures of $439.6M. FCF margin is 1.9%.
How does MUSA compare to other Consumer stocks?
Vs Consumer sector averages: Net margin 2.4% (avg: 8%), ROE 75.5% (avg: 18%), current ratio 0.80 (avg: 1.5).