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NEW YORK STOCK EXCHANGE, INC. · Retail · CIK 0001573516
$532.10
-0.82% · delayed ~15 min
Last price from Oct 22, 2026
$10.65B market value
From Murphy USA Inc.'s FY2025 10-K, filed Feb 18, 2026 · read the filing
Murphy USA sells cars and fuel. It took in $19.38B last year, which makes it a large company. Of every dollar it sells, about 2 cents is left as profit.
The financial picture is led by debt, with profitability worth watching, while growth remain weak.
A conclusion from the filings, not a recommendation. Detailed figures and supporting evidence appear in their dedicated sections below.
Recent open-market selling by 2 insiders, not under a pre-arranged plan.
$604.8K sold in the last 120 days · Read the filing
These are things the company filed or that a published model flagged — not predictions, and not a reason on their own to buy or sell anything.
Financial health
A mixed picture — some clear strengths and some weaknesses.
From Murphy USA Inc.'s FY2025 annual filing · share price scored separately
Largest year-over-year changes in FY2025
Long-term debt
$1.83B → $2.16B
Cash
$47.0M → $28.9M
Profit
$502.5M → $470.6M
Shares in issue
20.8M → 20.0M
Measured against FY2024, from the 10-K filed Feb 18, 2026
Deteriorated: +18.1%
$1.83B to $2.16BSignificant
Why it matters: Rising debt is not automatically bad — borrowing to build something that earns more than the interest is ordinary. It matters when it grows faster than the profit meant to service it.
Deteriorated: -38.5%
$47.0M to $28.9MSignificant
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
-6.3%
How the latest move compares (quote delayed ~15 min), and what was published around it
MUSA fell 0.82% on the latest quote. The average Consumer Discretionary company tracked here moved +2.31%, and the S&P 500 −1.04%. That is 3.1 points below its sector and in line with the market.
Expectations
Not from the filings — what other people are betting on, and what the price already assumes.
The growth rate someone buying today is paying for, against what the company has delivered
At today's price, the market is paying for free cash flow to grow by about 13% a year for the next 10 years. Over the last 10 years it grew by about 43% a year.
The essentials
Each answered from the filings, with the numbers behind it.
Yes. It keeps about 2 cents of every dollar of sales as profit, earning $470.6M last year.
No. Sales shrank 4.2% last year.
No. At its current cash flow it could clear its debt in about 2.6 years. For every $1 it owes, it owns $1.15 in assets.
Core operating and valuation reference metrics
Whether the dividend is covered by what the business actually earns
It pays out 9 cents of every dollar of profit and keeps the rest, which leaves the payment comfortably covered. It paid out 5% of the cash its operations generated. It has paid in each of the last 6 years.
GoodFigures from the FY2025 annual filing
Last year it earned $470.6M and generated $813.9M of cash from operations.
Reported annual figures
As reported to the SEC, in USD. Hover or show sources to see where each figure came from.
| Income statement | FY202510-K · Feb 18, 2026Filing for FY2025 | FY202410-K · Feb 20, 2025Filing for FY2024 | FY202310-K · Feb 16, 2024Filing for FY2023 | FY202210-K · Feb 15, 2023Filing for FY2022 | FY202110-K · Feb 17, 2022Filing for FY2021 | ChangeFY2025 vs FY2024 |
|---|---|---|---|---|---|---|
| RevenueWhat is this? | $19.38B | $20.24B | $21.53B | $23.45B | $17.36B | −4.2% |
| Selling, general and administrative | $231.5M | $235.4M | $240.5M | $232.5M | $193.6M | −1.7% |
| Operating income | $718.5M | $742.9M | $826.0M | $968.4M | $604.0M | −3.3% |
| Operating marginOperating income ÷ revenueWhat is this? | 3.7% | 3.7% | 3.8% | 4.1% | 3.5% | +0.0 pts |
| Interest expense | $110.9M | $97.1M | $98.5M | $85.3M | $82.4M | +14.2% |
| Income before tax | $609.2M | $651.6M | $734.4M | $883.8M | $521.9M | −6.5% |
| Net income | $470.6M | $502.5M | $556.8M | $672.9M | $396.9M | −6.3% |
| Net marginNet income ÷ revenueWhat is this? | 2.4% | 2.5% | 2.6% | 2.9% | 2.3% | −0.1 pts |
| Earnings per shareNet income ÷ shares outstanding at the period end — close to, but not the same as, the reported EPSWhat is this? | $23.51 | $24.15 | $25.66 | $27.10 | $14.57 | −2.7% |
† calculated from other reported figures, such as total liabilities as assets minus equity.
This company's latest filing beside its peers' stored scores
| Company | Health | F-Score | Revenue growth | Profit margin | P/E | Debt to equity |
|---|---|---|---|---|---|---|
| MUSAMurphy USA Inc. · this page | 6.0/10 | 5/8 |
Insider activity, ownership stakes and what's coming — straight from EDGAR, before any article is written about it
Officers, directors and major shareholders must report within two business days of a trade.
Sold on the open market — 100 shares at $523.60 ($52.4K)
Holds 252 shares after this filing.
Sold on the open market — 966 shares at $571.88 ($552.4K)
Holds 449 shares after this filing.
20 recent filings, newest first. Each is labelled from its form and item numbers, not from its wording.
Made a Regulation FD disclosure
Read the filingHad a director or senior officer leave or join
Read the filingWrite down why you are following Murphy USA Inc., what has to go right and what would change your mind, then see each new annual report measured against it. Sign in to start one.
Go deeper
Every figure above traces back to a filing in the timeline, each linked to the document itself.
Coverage from the last 30 days
Murphy USA Inc. Announces Dividend Increase
Yahoo Finance ·
If You Invested $1000 in Murphy USA 10 Years Ago, This Is How Much You'd Have Now
Yahoo Finance ·
Here is Why Growth Investors Should Buy Murphy USA (MUSA) Now
Yahoo Finance ·
Why Murphy USA Stock Could Stay In Focus As Fuel Margins Tighten
Yahoo Finance ·
Every company's figures are checked for internal consistency: the balance sheet adding up, figures sharing one currency, cash flow and share counts within plausible ranges, and how recent the latest annual report is. Nothing here changes a figure.
Financial figures are from MUSA's 10-K for fiscal year 2025 (period ending 2025-12-31, filed Feb 18, 2026), reported under the US GAAP taxonomy. View the source filing.
3 of 4 scored areas had enough reported figures to judge
The score averages profitability, growth, debt and accounting. Accounting had too few reported figures and is left out of the average rather than counted as a weakness, so a company is never marked down for a figure it did not publish. Cash generation is shown for context and already feeds profitability. Valuation is scored separately, because a share price says nothing about whether the business is sound. 8 of the 9 Piotroski checks could be evaluated. How the score works
Each year scored only from its annual report as it was first filed
| Fiscal year | Health | F-Score | Scored from |
|---|---|---|---|
| FY2025 | 6.0 | 5/8 | 10-K, filed Feb 18, 2026 |
| FY2024 | 6.0 | 5/8 | 10-K, filed Feb 20, 2025 |
| FY2023 | 6.0 | 6/8 | 10-K, filed Feb 16, 2024 |
| FY2022 | 8.7 | 7/8 | 10-K, filed Feb 15, 2023 |
| FY2021 | 8.7 | 6/8 | 10-K, filed Feb 17, 2022 |
| FY2020 | 6.0 | 6/8 | 10-K, filed Feb 19, 2021 |
A later restatement never reaches back into an earlier year, and every year is scored without a share price, so the latest point can differ a little from the headline score, which uses today's price.
Every check behind the three models, and what each one tests
5 of 8 checks passed
Nine yes-or-no tests of whether this year's finances improved on last year's. One could not be evaluated and is excluded from the total rather than counted as a failure.
3.81
In the safe zone
For this model, above 2.6 is safe and below 1.1 is distress.
Distance from bankruptcy, from a model fitted on companies that did and did not go bust. It describes a balance sheet's shape today; it does not forecast a failure.
not reported — This company has not reported enough of the required figures to calculate this score.
This company has not reported enough of the required figures to calculate this score.
Screens eight accounting ratios for the pattern earnings manipulators tend to leave. A flag is a reason to read the filing closely, never evidence of wrongdoing.
Every figure above comes from the FY2025 filing as filed with the SEC.
$502.5M to $470.6MNotable
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Improved: -3.8%
20.8M to 20.0MNotable
Why it matters: The company bought back stock, so each remaining holding owns slightly more of it. Worth checking it was not funded by borrowing.
Changed: +12.8%
$36.8M to $41.5MNotable
Why it matters: Cash handed to shareholders. A rise can be a higher dividend or simply more shares, and a cut is a decision the company explains in its own filing — neither is rated here.
Q2 FY2026 against Q2 FY2025, from the 10-Q filed Aug 6, 2026 — read it.
Improved: +43.6%
$145.6M to $209.1MCritical
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Improved: +50.7%
$7.55 to $11.38Critical
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Improved: +224.2%
$54.1M to $175.4MCritical
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Improved: +36.0%
$5.00B to $6.81BSignificant
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
Improved: +39.1%
$219.2M to $304.9MSignificant
Why it matters: Profit from running the business, before interest and tax. Less exposed than profit to one-off financing and tax items, so a clearer read on the business itself.
Improved: -4.7%
19.3M to 18.4MNotable
Why it matters: The company bought back stock, so each remaining holding owns slightly more of it. Worth checking it was not funded by borrowing.
Q2 FY2026 against Q1 FY2026, from the 10-Q filed Aug 6, 2026 — read it. Quarter-to-quarter moves include seasonal swings — a retailer's holiday quarter — which the year-earlier comparison removes.
Improved: +41.2%
$4.82B to $6.81BCritical
Why it matters: Sales are what everything else is built on. A fall can be lost customers, lower prices, or a business the company sold — the filing itself says which.
Improved: +48.6%
$205.2M to $304.9MCritical
Why it matters: Profit from running the business, before interest and tax. Less exposed than profit to one-off financing and tax items, so a clearer read on the business itself.
Improved: +53.4%
$136.3M to $209.1MCritical
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Improved: +54.2%
$7.38 to $11.38Critical
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Improved: +47.9%
$118.6M to $175.4MCritical
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
7 other measures barely moved. Figures compare the two most recent annual filings — read the latest one. Moves are graded on fixed lines — 5%, 15% and 40% for amounts, and 1, 3 and 8 points for margins — as notable, significant or critical. Nothing here reads the management commentary, which is where a company explains its own numbers.
These coincide with the move in time. None is presented as its cause: a price can move on news that names no company, on the wider market, or on trading that no document records.
Filter by minute, hour, day or week — or compare against peers
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Discounted at 8%–10% a year, with growth settling to 2.5% after 10 years. Those rates are ordinary choices, not measurements: across that range the assumed growth works out between 10% and 15%. This describes what the price implies — it is not a forecast, and not a view on whether the price is right.
Opinions from 18 analysts covering this company, as of . Their views, not this site's.
Of 18 analysts publishing on this company, 4 say strong buy, 7 say buy and 7 say hold. Analysts are paid to publish a view and are wrong often; the split above says how much they agree with each other, which is the part a single headline rating hides.
Published by Finnhub. Analyst coverage skews towards larger companies and towards optimism — sell ratings are rare across the whole market, so a company with none is ordinary rather than endorsed.
Measured on and published about a week later — this is a fortnightly snapshot, not a live position.
About 4.4% of this company's shares have been borrowed and sold by people expecting to buy them back cheaper. That is a bet the price falls. Those people can be wrong, and when a heavily shorted share rises they have to buy it back, which pushes it up further.
Collected by FINRA from broker-dealers twice a month. It counts positions, not intentions, and some of it is hedging rather than a directional bet against the company.
Nothing in this section is a figure this company reported about itself. These are expectations and positions — what the price implies, what analysts have published, what short sellers are betting, and what large funds held at the last count. WylthIQ reports them; it does not endorse them, does not forecast prices, and takes no view on whether any of them will turn out to be right.
The trailing P/E is 17.2x — investors pay $17.2 for each $1 of trailing profit.
This company has not reported enough of the required figures to calculate this score.
| -4.2% |
| 2.4% |
| 22.63x |
| 6.58x |
| ORLYO REILLY AUTOMOTIVE INC | 7.0/10 | 8/9 | 6.4% | 14.3% | 30.52x | -22.67x |
|---|
| AZOAUTOZONE INC | 7.0/10 | 6/9 | 2.4% | 13.2% | 21.78x | -6.67x |
|---|
| KMXCARMAX INC | 5.0/10 | 6/9 | -1.8% | 1.0% | 30.37x | 3.48x |
|---|
| LADLITHIA MOTORS INC | 6.0/10 | 4/9 | 4.0% | 2.2% | 8.35x | 2.80x |
|---|
| ANAUTONATION, INC. | 4.7/10 | 5/9 | 3.2% | 2.3% | 8.78x | 5.15x |
|---|
| Median of peers | 6.0/10 | — | 3.2% | 2.3% | 21.78x | 2.80x |
|---|
Peers come from the company's industry classification. A difference describes the companies; it does not rank them.
Exercised stock options — 617 shares
Holds 966 shares after this filing.
Exercised stock options — 449 shares
Holds 1,415 shares after this filing.
Notice filed ahead of a planned sale — the sale itself has not necessarily happened yet.
Filed notice to sell 100 shares ($52.4K) on or after .
Shares originally obtained via Restricted Stock Vesting.
Filed notice to sell 966 shares ($552.4K) on or after .
Shares originally obtained via Vesting of restricted stock unit awards.
Not investment advice, and not a signal to act on by itself — a filing says what happened, not why, and insiders trade for ordinary reasons having nothing to do with where they think the company is headed.
Made a Regulation FD disclosure
Quarterly report for Q2 FY2026
Revenue +36.0% · Profit +43.6% · Earnings per share +50.7% — against Q2 FY2025
Read the filingPublished results
Read the filingReported another event
Read the filingReported another event
Read the filingReported another event
Read the filingAmended its charter or changed its financial year · Held a shareholder vote
Read the filingQuarterly report for Q1 FY2026
Revenue +6.5% · Operating margin +2.3 pts · Operating income +133.2% — against Q1 FY2025
Read the filingMade a Regulation FD disclosure
Read the filingPublished results
Read the filingHad a director or senior officer leave or join
Read the filingProxy statement for a shareholder meeting
Read the filingMade a Regulation FD disclosure
Read the filingAnnual report for FY2025
Long-term debt +18.1% · Cash -38.5% · Profit -6.3% — against FY2024
Read the filingMade a Regulation FD disclosure
Read the filingPublished results
Read the filingHad a director or senior officer leave or join
Read the filingHad a director or senior officer leave or join
Read the filingDid Zacks’ Focus on Earnings Growth and Asset Efficiency Just Reframe Murphy USA’s (MUSA) Risk Profile?
Yahoo Finance ·
Primary sources and further research