Quarterlytics / Industrials / Rental & Leasing Services / Ryder System

Ryder System

r · NYSE Industrials
Claim this profile
Ticker r
Exchange NYSE
Sector Industrials
Industry Rental & Leasing Services
Employees 10,000+
← All annual reports
FY2019 Annual Report · Ryder System
Sign in to download
Loading PDF…
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 10-K
ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the fiscal year ended December 31, 2019 
OR

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from             to             

Commission File Number: 1-4364 

RYDER SYSTEM, INC. 

(Exact name of registrant as specified in its charter)

Florida

(State or other jurisdiction of incorporation or organization)     

11690 N.W. 105th Street
Miami, Florida 33178
(Address of principal executive offices, including zip code)
Securities registered pursuant to Section 12(b) of the Act:

Title of each class
Ryder System, Inc. Common Stock ($0.50 par value)

Securities registered pursuant to Section 12(g) of the Act: None

59-0739250
(I.R.S. Employer Identification No.)

(305) 500-3726

(Telephone number, including area code)

Trading symbol(s)
    R

Name of exchange on which registered
New York Stock Exchange

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.  Yes 

  No 

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.  Yes 

  No 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 
1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such 
filing requirements for the past 90 days.   Yes 

   No 

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 
of Regulation S-T (§ 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit 
such files).  Yes 

   No 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or smaller reporting company. 
See the definitions of “large accelerated filer,” “accelerated filer,”  “smaller reporting company” and “emerging growth company” in Rule 12b-2 of 
the Exchange Act.

Large accelerated filer

Accelerated filer

Non-accelerated filer

Smaller reporting company

Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any 
new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).   Yes 

   No 

The aggregate market value of the voting and non-voting common equity held by non-affiliates of the registrant computed by reference to the price at 
which the common equity was sold at June 30, 2019 was $3,050,341,216. The number of shares of Ryder System, Inc. Common Stock outstanding at 
January 31, 2020 was 53,271,759.

Documents Incorporated by Reference into this Report
Ryder System, Inc. 2020 Proxy Statement

Part of Form 10-K into which Document is Incorporated
Part III

    
    
    
    
    
RYDER SYSTEM, INC.
FORM 10-K ANNUAL REPORT

TABLE OF CONTENTS

PART I

Page No.  

Business

ITEM 1
ITEM 1A Risk Factors
ITEM 1B Unresolved Staff Comments
ITEM 2
ITEM 3
ITEM 4

Properties
Legal Proceedings
Mine Safety Disclosures

PART II

ITEM 5

Market for Registrant's Common Equity, Related Stockholder Matters and Issuer 

Purchases of Equity Securities

Selected Financial Data
Management’s Discussion and Analysis of Financial Condition and Results of Operations

ITEM 6
ITEM 7
ITEM 7A Quantitative and Qualitative Disclosures About Market Risk
Financial Statements and Supplementary Data
ITEM 8
Changes In and Disagreements with Accountants on Accounting and Financial Disclosure
ITEM 9
ITEM 9A Controls and Procedures
ITEM 9B Other Information

PART III

ITEM 10
ITEM 11
ITEM 12

Directors, Executive Officers and Corporate Governance
Executive Compensation
Security Ownership of Certain Beneficial Owners and Management and Related 

Stockholder Matters

ITEM 13
ITEM 14

Certain Relationships and Related Transactions, and Director Independence
Principal Accountant Fees and Services

PART IV

ITEM 15
ITEM 16

Exhibits and Financial Statement Schedules
Form 10-K Summary
Exhibit Index

SIGNATURES

i

1
13
24
24
24
24

25
27
28
64
65
126
126
126

126
126

127
127
127

128
128
129

133

 
 
 
 
[This page intentionally left blank] 

PART I

ITEM 1. BUSINESS

OVERVIEW

Ryder System, Inc. (Ryder) is a global leader in transportation and supply chain management solutions. Our operating 
segments are aggregated into reportable business segments based upon similar economic characteristics, products, services, 
customers and delivery methods. We report our financial performance based on three business segments: (1) Fleet Management 
Solutions (FMS), which provides full service leasing and leasing with flexible maintenance options, commercial rental, and 
contract or transactional maintenance services of trucks, tractors and trailers to customers principally in the U.S., Canada and 
the U.K.; (2) Supply Chain Solutions (SCS), which provides integrated logistics solutions, including distribution, management, 
dedicated transportation and professional services in North America; and (3) Dedicated Transportation Solutions (DTS), which 
provides turnkey transportation solutions in the U.S. that includes dedicated vehicles, drivers and engineering and 
administrative support. Dedicated transportation services provided as part of an operationally integrated, multi-service, supply 
chain solution to SCS customers are primarily reported in the SCS business segment.

MISSION AND STRATEGY

Ryder's mission is to provide innovative fleet management and supply chain solutions that are reliable, safe and efficient, 

enabling our customers to deliver on their promises. We seek to deliver valuable solutions that will compel customers to 
outsource their fleet management and supply chain needs to us. Our primary strategy is to grow our fleet management and 
supply chain outsourcing services by targeting those companies not currently outsourcing their fleet-related and logistics 
services as well as companies who have outsourced to other providers by offering innovative solutions, operational excellence, 
best in class talent and information technology. This strategy is supported by:

•  offering innovative products, solutions and support services that will create and strengthen customer relationships;
•  delivering operational excellence through continuous productivity and process improvements;
•  attracting, developing and retaining the best talent; and
•  deploying technology that will enable growth while improving operational efficiencies.

1

INDUSTRY AND OPERATIONS  

Value Proposition

Fleet Management Solutions

Through our FMS business, we provide our customers with a variety of fleet solutions that are designed to improve their 

competitive position. By outsourcing these services to us, our customers can focus on their core business, improve their 
efficiency and productivity, and lower their costs. Our FMS product offering is comprised of full service leasing as well as 
leasing with flexible maintenance options; shorter-term commercial truck rental; contract or transactional maintenance services; 
and value-added fleet support services such as vehicle administration and fuel services. In addition, we provide our customers 
the ability to purchase a large selection of used trucks, tractors and trailers through our used vehicle sales program. FMS also 
provides vehicles and maintenance, fuel and other services for all vehicles used in our SCS and DTS businesses.

Market Trends

The U.S. commercial fleet market is estimated to include 9 million vehicles,

  of which 5 million vehicles are privately 

owned by companies, 2 million vehicles are with for-hire carriers, 1 million vehicles are leased from banks or other financial 
institutions, and 1 million vehicles are in the lease and rental market(1). The companies that privately own their own fleets 
generally provide all or a portion of the transportation services for themselves rather than outsourcing those services to third 
parties such as Ryder.

The Canadian commercial fleet is estimated at 500,000 vehicles, of which approximately 20,000 vehicles are in the lease 

and rental market(2). In the U.K., the commercial rental and lease market is estimated at 235,000 units(3). The total lease and 
rental market in Ryder’s major markets totals over 1 million units.

Over the last several years, many key trends have been reshaping the transportation industry. Companies that own, 
maintain and manage their own fleet of vehicles have put greater emphasis on the quality of their preventive maintenance and 
safety programs because of increased demand for efficiency and reliability. The maintenance and operation of commercial 
vehicles has become more complicated and expensive, requiring companies to spend a significant amount of time and money to 
keep up with new technology, diagnostics, retooling and training. Companies are also faced with labor issues, including a 
shortage of qualified truck drivers and mechanics. Increased regulation and active enforcement efforts by federal and state 
governments require more stringent and costly operational processes and oversight. Fluctuating energy prices and alternative 
fuel technologies make it difficult for businesses to predict and manage fleet costs. There has also been a tightening of capacity 
with respect to the U.S. trucking market. We believe these trends increase the value of our product offering and will 
increasingly lead privately held fleets and the for-hire carriers to decide to outsource.

Operations

In 2019, our global FMS business accounted for 56% of our consolidated revenue (excluding eliminations).

United States. Ryder was founded in the U.S. in 1933. Our FMS customers in the U.S. range from small businesses to 

large national enterprises operating in a wide variety of industries, the most significant of which are transportation and 
warehousing, food and beverage, housing, business and personal services, and industrial. At December 31, 2019, we had 524 
operating locations, excluding ancillary storage locations, in 50 states and Puerto Rico. A location consists of a maintenance 
facility and serves multiple customers. Our maintenance facilities typically include a shop for preventive maintenance and 
repairs, a service island for fueling, safety inspections and preliminary maintenance checks, offices for sales and other 
personnel, and in many cases, a commercial rental vehicle counter. We also operate on-site at 160 customer locations, which 
primarily provide vehicle maintenance solely for that customer's fleet. 

Canada. We have been operating in Canada for over 50 years. At December 31, 2019, we had 32 operating locations 

throughout 9 Canadian provinces. We also operate 14 maintenance facilities on-site at customer properties in Canada. 

  Europe. We began operating in the U.K. in 1971. At December 31, 2019, we had 54 operating locations, primarily 
throughout the U.K, including those that we manage on behalf of our customers. We also manage a network of 367 independent 
maintenance facilities in the U.K. to serve our customers when it is more effective than providing the service in a Ryder 
location. In addition to our typical FMS operations, we supply and manage vehicles, equipment and personnel for military 
organizations in the U.K. and Germany.

(1)  U.S. Fleet as of September 2019, Class 3-8, IHS Markit Ltd. (formerly RL Polk)
(2)  Canada Outsourced Fleet Market as of September 2019, Class 3-8, IHS Markit Ltd. (formerly RL Polk)
(3)  U.K. Lease and Rental HGV Market, Projection for December 2019, Source: The Society of Motor Manufacturers & Traders (SMMT) 2010 & Ryder Internal Estimate

2

 
FMS Product Offerings

ChoiceLease.    Our lease offering, ChoiceLease, provides customers with vehicles, maintenance services, supplies, and 

related equipment necessary for operation of the vehicles while our customers furnish and supervise their own drivers and 
exercise control over the vehicles. The ChoiceLease offering allows customers to select the terms of their lease alongside the 
level of maintenance they prefer, from full service or total bumper-to-bumper coverage to on-demand or pay-as-you-go 
maintenance. 

Our ChoiceLease customers receive the following benefits:

•  We are able to leverage our vehicle buying power for the benefit of our customers because we purchase a large 

number of vehicles from a limited number of manufacturers. Once we have signed an agreement with the customer, 
we acquire vehicles and components that are custom engineered to the customer’s requirements and lease the 
vehicles to the customer for periods generally ranging from three to seven years for trucks and tractors and typically 
ten years for trailers.

•  We offer ChoiceLease customers a complete maintenance program designed to reduce vehicle downtime through a 
preventive maintenance plan that is based on vehicle type and time or mileage intervals. Alternatively, we offer 
flexible maintenance options to our customers designed to provide them with choices on their preferred level of 
maintenance. Given our continued focus on improving the efficiency and effectiveness of our maintenance services, 
particularly in light of changing technology and increased regulation, we provide our ChoiceLease customers with a 
cost effective alternative to maintaining their own fleet of vehicles and the flexibility to choose the maintenance 
program that works for them. 

•  Our customers have access to our extensive network of maintenance facilities and trained technicians for 

maintenance, vehicle repairs, 24-hour emergency roadside service, and replacement vehicles for vehicles that are 
temporarily out of service.

•  We typically retain vehicle residual risk exposure.

•  Customers have an opportunity to enhance their standard lease with additional fleet support services including our 
fuel and related services as described below; liability insurance coverage under our existing insurance policies and 
related insurance services; safety services including safety training, driver certification and loss prevention 
consulting; vehicle use and other tax reporting, permitting and licensing, and regulatory compliance (including hours 
of service administration); environmental services; and access to RydeSmart®, a full-featured GPS fleet location, 
tracking, and vehicle performance management system; and to RyderGuide®, our mobile fleet tool that provides 
customers with 24/7 access to key operational and maintenance management information about their fleets. In 
January 2020, we announced our plan to exit the extension of our liability insurance coverage for ChoiceLease 
customers. The exit of this program is estimated to be completed in the second quarter of 2021.

For the year ended December 31, 2019, ChoiceLease revenue accounted for 56% of our FMS total revenue.

Commercial Rental.    We offer rental customers that have a need to supplement their private fleet of vehicles on a short-

term basis (one day up to one year in length), either because of seasonal increases in their business or discrete projects with 
additional transportation needs. ChoiceLease customers also utilize our commercial rental fleet to handle their peak or seasonal 
business needs, as substitute vehicles while their lease vehicles are undergoing maintenance, and while they are awaiting 
delivery of new lease vehicles. Although a portion of our commercial rental business is purely occasional in nature, we focus on 
building long-term relationships with customers so that we become their preferred source for commercial vehicle rentals. Our 
rental representatives assist in selecting a vehicle that satisfies a customer’s needs and supervise the rental process, which 
includes execution of a rental agreement and a vehicle inspection. In addition to vehicle rental, we may extend liability 
insurance coverage under our existing policies to our rental customers as well as the benefits of cost savings and convenience of 
our comprehensive fuel services program. For the year ended December 31, 2019, commercial rental revenue accounted for 
18% of our FMS total revenue. 

SelectCare.    Through our SelectCare product line, we provide maintenance services to customers who do not choose to 

lease vehicles from us. Our SelectCare customers commit to utilizing our extensive network of maintenance facilities and 
trained technicians to maintain the vehicles they own or lease from third parties. There are several bundles of services available 
to SelectCare customers including full service contract maintenance, preventive only maintenance and on-demand maintenance. 
We can also customize the services to include fleet support services as described above. Vehicles covered under this offering are 
typically serviced at our own facilities. However, based on the size and complexity of a customer’s fleet, we may operate an on-
site maintenance facility at the customer’s location. 

Additionally, our lease and contract maintenance customers periodically require additional maintenance and repair 
services that are not included in their lease or contract maintenance agreements. For example, additional maintenance and repair 

3

services may arise when a customer damages a vehicle. In such situations, we generally charge the customer on an hourly basis 
for work performed. By servicing all of our customers’ maintenance needs, we create stronger, long-term relationships and have 
greater opportunity to provide customers with a wide range of outsourcing solutions.  For the year ended December 31, 2019, 
SelectCare revenue accounted for 10% of our FMS total revenue.

The following table provides information regarding the number of vehicles and customers by FMS product offering as of 

December 31, 2019: 

ChoiceLease
Commercial rental (1)
SelectCare (2)

U.S.

Foreign

Total

Vehicles    
136,100
36,000
50,400

Customers    
12,200
32,200
1,800

Vehicles    
23,700
5,900
5,400

Customers    
2,400
5,000
300

Vehicles    
159,800
41,900
55,800

Customers    
14,600
37,200
2,100

______________ 
(1)  Commercial rental customers represent those who rented a vehicle for more than 3 days during the year and includes approximately 7,500 ChoiceLease customers
(2) 

SelectCare customers include approximately 1,000 ChoiceLease customers

We also contract with large private fleet operators and for-hire carriers to provide maintenance on demand, particularly in 

geographic areas where these customers do not have their own maintenance operations. The contract for on-demand 
maintenance services is based on a maintenance program that is designed to meet the customer's specific needs and all 
maintenance is performed only when and as requested by the customer. This product allows us to expand our customer base to 
include customers that have traditionally chosen to own and maintain their fleet of vehicles. 

Fuel Services.    We provide our FMS customers with access to diesel fuel at competitive prices at approximately 460 of 

our maintenance facilities across the United States and Canada. We also provide fuel services such as fuel planning, fuel tax 
reporting, centralized billing, fuel cards and fuel monitoring. Although fuel sales do not have a significant impact on our FMS 
earnings, as it is largely a pass-through cost to customers, we believe allowing customers to leverage our fuel buying power is a 
significant and valuable benefit to our customers. For the year ended December 31, 2019, fuel services revenue accounted for 
15% of our FMS total revenue.

Used Vehicles.    We primarily sell our used vehicles out of our 51 retail sales centers throughout North America (14 of 

which are co-located at an FMS shop), at our branch locations and through our website at www.Usedtrucks.Ryder.com. 
Typically, before we offer used vehicles for sale, our technicians ensure that the vehicles are Ryder CertifiedTM, which means 
that they have passed a comprehensive, multi-point performance inspection based on specifications formulated through our 
maintenance program, Ryder VerifiedTM, which are fully inspected and DOT compliant vehicles with some wear and tear, or 
Ryder ReclassifiedTM. Generally, our retail sales centers throughout North America allow us to leverage our maintenance 
expertise and strong brand reputation to realize higher sales proceeds than in the wholesale market. Given our focus on 
maximizing sales proceeds, we primarily sell our used vehicles through retail centers. The realized sales proceeds of used 
vehicles are dependent upon various other factors, including the general state of the used vehicle market, the supply and 
demand for used commercial vehicles in wholesale and retail markets, the age and condition of the vehicle at the time of its 
disposal and vehicle depreciation estimates. In recent years, the general state of the used vehicle sales market has been 
particularly challenging, which has required us to sell many of our used vehicles below book value and lower residual value 
estimates on vehicles still in operation.

FMS Business Strategy

Our FMS business strategy is to be the leading provider of fleet management outsourcing services for light, medium and 

heavy duty commercial highway vehicles. This strategy revolves around the following interrelated goals and priorities:

•  drive profitable fleet growth that maximizes our return on investment by (1) successfully implementing sales and 

marketing initiatives designed to compel private fleet operators and for-hire carriers to outsource all or some portion of 
their fleet management needs to us; (2) offering innovative products, solutions and support services that will create and 
strengthen new and existing customer relationships; and (3) completing targeted acquisitions;

•  deliver a consistent, industry-leading and cost-effective maintenance program to our customers through continued 

process improvement and re-design, productivity initiatives and technology improvements allowing us to obtain new 
business, including from our competitors; and

•  optimize asset utilization and management, particularly with respect to our rental fleet, used vehicle operations and 

maintenance facility infrastructure.

4

  
 
Competition

As an alternative to using our fleet management services, companies may choose to provide these services for themselves 

or to obtain similar or alternative services from other third-party vendors.

Our FMS business segment competes with companies that provide and manage maintenance services themselves and 
those providing similar services on a national, regional and local level. Many regional and local competitors provide services on 
a national level through their participation in various cooperative programs. We compete with finance lessors, truck and trailer 
manufacturers and independent dealers who provide full service lease products, finance leases, extended warranty maintenance, 
rental and other transportation services. We compete with other companies based on factors such as price, geographic coverage, 
equipment, maintenance, and service. We also face competition from managed maintenance providers who are hired to 
coordinate and manage the maintenance of large fleets of vehicles through a network of third-party maintenance providers. 
Value-added differentiation of the ChoiceLease, SelectCare and commercial rental services, as well as continued commitment 
to offer innovative products and solutions, such as natural gas and electric vehicles, have been and will continue to be our focus.

Value Proposition

Supply Chain Solutions

Through our SCS business, we offer a broad range of innovative logistics management services that are designed to 
optimize customers' supply chain and address customers' key business requirements. The business is organized by industry 
verticals (Automotive, Technology and Healthcare, Consumer Packaged Goods and Retail, and Industrial and other) to enable 
our teams to focus on the specific needs of their customers. Our SCS product offerings are organized into four categories: 
dedicated services, distribution management, transportation management and professional services. These offerings are 
supported by a variety of information technology and engineering solutions and can be provided independently or as an 
integrated solution to optimize supply chain effectiveness. A key aspect of our value proposition is our operational execution, 
which is an important differentiator in the marketplace.

Market Trends
Global logistics is an approximately $10 trillion market, of which approximately $995 billion is outsourced(1). Logistics 

spending in the markets we are targeting in North America equates to approximately $2 trillion, of which $266 billion is 
outsourced(1). Outsourced logistics is a market with significant growth opportunity. More sophisticated supply chain practices 
are required as supply chains expand and become more complex and companies look for lower cost supply chain alternatives. 
In addition, disruptions from unexpected events such as natural disasters have caused companies to focus on risk management 
of their supply chains. The more complicated the supply chain or the product requirements, the greater the need for companies 
to utilize the expertise of supply chain solution providers. 

Operations

For the year ended December 31, 2019, our global SCS business accounted for 29% of our consolidated revenue.

U.S.    At December 31, 2019, we had 188 SCS customer accounts in the U.S., most of which are large enterprises that 

maintain large, complex supply chains. Most of our core SCS business operations are geographically located to maximize 
efficiencies and reduce costs. At December 31, 2019, managed warehouse space totaled approximately 50 million square feet.

We also concentrate certain logistics expertise in locations not associated with specific customer sites. For example, our 

carrier procurement, contract management, freight bill audit and payment services, and transportation optimization and 
execution groups operate out of our logistics centers in Novi, Michigan and Fort Worth, Texas.

Mexico.    At December 31, 2019, we had 131 SCS customer accounts and managed warehouse space totaling 
approximately 4 million square feet. Our Mexico operations offer a full range of SCS services and manage approximately 
21,500 border crossings each month between Mexico and the U.S. and Canada, often highly integrated with our distribution and 
transportation operations.

Canada.    At December 31, 2019, we had 38 SCS customer accounts and managed warehouse space totaling 
approximately 2.4 million square feet. Given the proximity of this market to our U.S. and Mexico operations, the Canadian 
operations are highly coordinated with their U.S. and Mexico counterparts, managing approximately 9,900 border crossings 
each month.

Singapore.    In the second quarter of 2019, we ceased our Singapore business operations. 

(1)       Armstrong & Associates - Third-Party Logistics Market Results and Trends for 2019, June 2019

5

SCS Product Offerings

Distribution Management.    Our SCS business offers a wide range of services relating to a customer’s distribution 

operations, from designing a customer’s distribution network, to managing distribution facilities, to an e-commerce service 
designed specifically for high-volume from the receiving function to the shipping function, coordinating warehousing and 
transportation for inbound and outbound material flows, handling import and export for international shipments, coordinating 
just-in-time replenishment of component parts to manufacturing and final assembly, and providing shipments to customer 
distribution centers or end customer delivery points, including support for e-commerce networks. Additional value-added 
services such as light assembly of components into defined units (kitting), packaging and refurbishment may also be provided. 
For the year ended December 31, 2019, distribution management solutions accounted for 39% of our SCS revenue.

Dedicated Services.   Dedicated services are offered as part of an integrated supply chain solution to our customers. We 

fulfill transportation needs for our customers with a combination of outside carriers and dedicated services. The dedicated 
services offering combines the equipment, maintenance, drivers and additional services to provide a customer with a dedicated 
transportation solution that, combined with outside transportation, is designed to increase their competitive position, improve 
risk management and integrate their transportation needs with their overall supply chain. Such additional services include 
routing and scheduling, fleet sizing, safety, regulatory compliance, risk management, technology and communication systems 
support including on-board computer and other technical support. These additional services allow us to mitigate, on behalf of 
our customers, labor challenges associated with maintaining a private fleet of vehicles, such as driver recruitment and turnover, 
and government regulation, including hours of service regulations, Department of Transportation (DOT) audits and workers' 
compensation. Our dedicated services solution offers a high degree of specialization to meet the needs of customers with 
sophisticated service requirements such as tight delivery windows, high value or time-sensitive distribution, closed-loop 
distribution, multi-stop shipments, specialized equipment and integrated transportation needs. Dedicated services operations are 
located at our customer facilities, and our dedicated offering utilizes and benefits from our extensive network of FMS facilities, 
which provides maintenance for all Ryder vehicles used in SCS solutions. For the year ended December 31, 2019, 
approximately 34% of our SCS revenue was related to dedicated services.

Transportation Management.    Our SCS business offers services relating to all aspects of a customer’s transportation 

network. Our team of transportation specialists provides shipment planning and execution, which includes shipment 
optimization, load scheduling and delivery confirmation through a series of technological and web-based solutions. Our 
transportation consultants focus on carrier procurement of all modes of transportation with an emphasis on truck-based 
transportation, rate negotiation, and freight bill audit and payment services. In addition, our SCS business provides customers 
with capacity management services that are designed to maximize backhaul opportunities and minimize excess miles. For the 
year ended December 31, 2019, we purchased or executed approximately $7 billion in freight moves on our customers' behalf. 
For the year ended December 31, 2019, transportation management solutions accounted for 14% of our SCS revenue.

Last Mile.    Our Ryder Last Mile offering consists of a network of over 120 locations strategically located throughout the 
U.S. that receive, assemble, and prepare big and bulky items ranging from furniture to exercise equipment for in home or office 
delivery. We offer tiered levels of delivery services to meet consumer’s needs including placing the newly delivered item in the 
location of a customer’s choosing, minor installation and disposal of the replaced item. We use proprietary scheduling software 
to provide customers with the appointment times they need and optimize routes for maximum efficiency. Finally, as an 
extension of our customer’s brand, we track and report the satisfaction of each delivery experience. For the year ended 
December 31, 2019, Ryder Last Mile accounted for 8% of our SCS revenue.

Professional Services.    In conjunction with providing the SCS services described previously, our SCS business offers a 

variety of knowledge-based professional services that support every aspect of a customer’s supply chain. Our SCS professionals 
are available to evaluate a customer’s existing supply chain to identify inefficiencies as well as opportunities for integration and 
improvement. Once the assessment is complete, we work with the customer to develop a supply chain strategy that will create 
the most value for the customer and their target clients. Once a customer has adopted a supply chain strategy, our SCS logistics 
team, supported by functional experts and representatives from our information technology, real estate and finance groups, 
work together to design a strategically focused supply chain solution. The solution may include both a network design that sets 
forth the number, location and function of key components of the network and a transportation solution that optimizes the mode 
or modes of transportation and route selection. In addition to providing the distribution and transportation expertise necessary to 
implement the supply chain solution, our SCS representatives can coordinate and manage all aspects of the customer’s supply 
chain provider network to assure consistency, efficiency and flexibility. For the year ended December 31, 2019, knowledge-
based professional services accounted for 5% of our SCS revenue.

SCS Business Strategy

Our SCS business strategy is to offer our customers differentiated, functional execution and proactive solutions from our 

expertise in key industry verticals. The strategy revolves around the following interrelated goals and priorities:

6

•  provide customers with best in class execution and quality through reliable and flexible supply chain solutions;

•  develop innovative solutions and capabilities that drive value for our customers within our targeted industry verticals;

•  create a culture of innovation and collaboration to share capabilities and solutions to meet our clients' needs;

•  focus consistently on network optimization and continuous improvement; and

•  execute on targeted sales and marketing growth strategies.

Competition

As an alternative to using our services, companies may choose to internally manage their own supply chains and logistics 

operations, or obtain similar or alternative services from other third-party vendors.

In the SCS business segment, we compete with a large number of companies providing similar services, each of which 

has a different set of core competencies. We compete with a handful of large, multi-service companies across all of our service 
offerings and industries. We also compete against other companies on specific service offerings (for example, in transportation 
management, distribution management or dedicated services) or with companies specializing in a specific industry. We face 
different competitors in each country or region where they may have a greater operational presence. We compete based on 
factors such as price, service offerings, market knowledge, expertise in logistics-related technology and overall performance 
(e.g. timeliness, accuracy, and flexibility).

Dedicated Transportation Solutions

Value Proposition

Through our DTS business segment, we combine equipment, maintenance, drivers, administrative services and additional 

services to provide customers with a dedicated transportation solution that is designed to increase their competitive position, 
improve risk management and integrate their transportation needs with their overall supply chain. Such additional services 
include routing and scheduling, fleet sizing, safety, regulatory compliance, risk management, technology and communication 
systems support, including on-board computers and other technical support. These additional services allow us to mitigate, on 
behalf of our customers, labor challenges associated with maintaining a private fleet of vehicles, such as driver recruitment and 
retention, and government regulation, including electronic logging devices and hours of service regulations, DOT audits and 
workers’ compensation. Our DTS solution offers a high degree of specialization to meet the needs of customers with 
sophisticated service requirements such as tight delivery windows, high-value or time-sensitive freight distribution, closed-loop 
distribution, multi-stop shipments, specialized equipment and integrated transportation needs.

Market Trends
The U.S. dedicated contract carriage market is estimated to be $18 billion(1) from an addressable market of approximately 

$400 billion(2). This market is affected by many of the same trends that impact our FMS business, including the tightening of 
capacity in the current U.S. trucking market. The administrative requirements relating to regulations issued by the DOT 
regarding driver screening, training and testing, as well as record keeping and other costs associated with the hours of service 
requirements, make our DTS product an attractive alternative to private fleet and driver management. With the changes in the 
regulatory environment, including the electronic logging device mandate that became effective in late 2017, there continues to 
be significant pressure on the availability of qualified truck drivers, whose supply remains tight, and shippers continue to seek 
dedicated capacity from quality transportation and logistics providers. In addition, market demand for just-in-time delivery 
creates a need for well-defined routing and scheduling plans that are based on comprehensive asset utilization analysis and fleet 
rationalization studies offered as part of our DTS services.

Operations/Product Offerings

For the year ended December 31, 2019, our global DTS business accounted for 15% of our consolidated revenue. At 
December 31, 2019, we had 186 DTS customer accounts in the U.S. Because it is highly customized, our DTS product is 
particularly attractive to companies that operate in industries that have time-sensitive deliveries or special handling 
requirements, as well as companies who require specialized equipment. DTS accounts typically operate in a limited geographic 
area, and, therefore, most of the drivers assigned to these accounts are short haul drivers, meaning they return home at the end 
of each work day, which helps with driver recruiting and retention. Although a significant portion of our DTS operations are 
located at customer facilities, our DTS business also utilizes and benefits from our extensive network of FMS facilities, 
including the FMS maintenance network that services all vehicles used in DTS solutions.

(1)       Armstrong & Associates - Third-Party Logistics Market Results and Trends for 2019, June 2019
(2)      Addressable market as of December 2019, Class 3-8, IHS Markit Ltd. (formerly RL Polk) & Ryder Internal Estimates

7

In order to customize an appropriate DTS transportation solution for our customers, our DTS logistics specialists perform 

a transportation analysis using advanced logistics planning and operating tools. Based on this analysis, they formulate a 
logistics design that includes the routing and scheduling of vehicles, the efficient use of vehicle capacity and overall asset  
utilization. The goal of each customized plan is to create a distribution system that optimizes freight flow while meeting a 
customer’s service goals. A team of DTS transportation specialists can then implement the plan by leveraging the resources, 
expertise and technological capabilities of both our FMS and SCS businesses.

To the extent a distribution plan includes multiple modes of transportation (air, rail, sea and highway), our DTS team, in 

conjunction with our SCS transportation specialists, selects appropriate transportation modes and carriers, places the freight, 
monitors carrier performance and audits billing. In addition, through our SCS business, we can reduce costs and add value to a 
DTS customer’s distribution system by aggregating orders into loads, looking for shipment consolidation opportunities and 
organizing loads for vehicles that are returning from their destination point back to their point of origin (backhaul).

DTS Business Strategy

Our DTS business strategy is to offer services to customers who need specialized equipment, specialized handling or 

integrated services. This strategy revolves around the following interrelated goals and priorities:

•  increase market share with customers in the energy and utility, metals and mining, specialty retail, construction, and 

food and beverage industries;

•  leverage the support and talent of the FMS sales team to compel private fleet operators to outsource all or some of 

their transportation needs to us;

•  align the DTS business with other SCS product lines to create revenue opportunities and improve operating 

efficiencies in both segments; and

•  improve competitiveness in the non-specialized and non-integrated customer segments.

Competition

Our DTS business segment competes with other dedicated providers and truckload carriers servicing on a national, 
regional and local level. We compete with these companies based on a number of factors, including price, equipment options 
and features, maintenance, service and geographic coverage, driver availability and operations expertise. We are able to 
differentiate the DTS product offering by leveraging FMS and integrating the DTS services with those of SCS to create a more 
comprehensive transportation solution for our customers. Our strong safety record and focus on customer service also enables 
us to uniquely meet the needs of customers with high-value products that require specialized handling in a manner that 
differentiates us from truckload carriers.

ACQUISITIONS

In addition to our continued focus on organic growth, acquisitions play an important role in enhancing our growth 
strategy. In assessing potential acquisition targets in our FMS business segment, we look for companies that would create value 
through operating synergies, leveraging our existing facility infrastructure, improving our geographic coverage and diversifying 
our customer base. In our DTS business segment, we are focusing on strategies for growth, including acquisitions that enhance 
our technology capabilities, and expand our geographic density and vertical market sector. In our SCS business segment, we 
focus on adding capabilities and product offerings, potentially expanding into new industries, diversifying our customer base 
within our current industries, and improving our competitive position.

CYCLICALITY 

Ryder's business is impacted by economic and market conditions. In a strong economic cycle, there is generally more 

demand for our fleet management, dedicated transportation and supply chain services. In a weak or volatile economy, demand 
for our services decreases and is considerably more unpredictable. Because of these factors, we have continued to focus on 
increasing the diversity of our customer base and strengthening our long-term business partnerships with our customers. 
Although we believe these efforts help mitigate the immediate impact of an economic downturn, during a protracted or severe 
economic downturn, customers are often unwilling to commit to a full-service lease or long-term supply chain and dedicated 
contracts. Because commercial rental and used vehicle sales are transactional, they are more cyclical in nature and are also 
heavily dependent on economic and market conditions, and results can vary significantly in both the short- and long-term. In 
2019, we began to experience softening in used vehicle and commercial rental market conditions, which we expect to continue 
throughout 2020. We mitigate some of the potential impact of an economic downturn through a disciplined and centralized 
approach to asset management. This approach allows us to manage the size, mix and location of our operating fleet and used 
vehicle inventories to try and maximize asset utilization and used vehicle proceeds in both strong and weak market conditions.  

8

ADMINISTRATION

Our financial administrative functions for the U.S. and Canada, including credit, billing and collections, are consolidated 

into our Shared Services Center, a centralized processing center located in Alpharetta, Georgia. Our Shared Services Center also 
manages contracted third parties providing administrative, finance and support services outside of the U.S. in order to reduce 
ongoing operating expenses and maximize our technology capabilities. This centralization results in more efficient and 
consistent centralized processing of selected administrative operations. Certain administrative functions are also performed at 
the Shared Services Center for our customers. The Shared Services Center’s main objectives are to enhance customer service 
through process standardization.

REGULATION

Our business is subject to regulation by various federal, state, local and foreign governmental entities. The DOT and 

various federal and state agencies exercise broad powers over certain aspects of our business, generally governing such 
activities as authorization to engage in motor carrier operations, safety and operations. The Federal Motor Carrier Safety 
Administration (FMCSA), under the DOT, manages a Compliance, Safety, Accountability initiative (known as "CSA"), 
partnering with state agencies designed to monitor and improve commercial vehicle motor safety, which uses roadside 
inspections and violations to measure motor carriers and drivers. The FMCSA also has regulations mandating electronic 
logging devices in commercial motor vehicles that impact various aspects of our dedicated, supply chain and rental businesses.

We are also subject to a variety of laws and regulations promulgated by national, state, provincial and local governments, 

including the U.S. Environmental Protection Agency (EPA) and the Occupational Safety and Health Administration (OSHA), 
which regulate safety, the management of hazardous materials, water discharges, air emissions, solid waste disposal and the 
release and cleanup of regulated substances. We must comply with licensing and other requirements imposed by the U.S. 
Department of Homeland Security and the U.S. Customs Service as a result of increased focus on homeland security and our 
Customs-Trade Partnership Against Terrorism certification. We may also become subject to new or more restrictive regulations 
imposed by these agencies or other authorities relating to carbon controls and reporting, engine exhaust emissions, drivers’ 
hours of service, wage and hour requirements, security including data privacy and cyber security and ergonomics.

ENVIRONMENTAL

We have a long-standing commitment to sound environmental practices that reduce risk and build value for us and our 

customers. We have a history of adopting “green” designs and processes because they are efficient, cost-effective transportation 
solutions that improve our bottom line and bring value to our customers. We have maintained an environmental policy since 
1991 and have updated it periodically as regulatory and customer needs have changed. Our environmental policy reflects our 
commitment to supporting the goals of sustainable development, environmental protection, and pollution prevention in our 
business. We have adopted proactive environmental strategies that have advanced business growth and continued to improve 
our performance in ways that reduce emission outputs and environmental impact. Our environmental team works with 
operating employees to develop and administer programs in support of our environmental policy and to help ensure that 
environmental considerations are integrated into all business processes and decisions.

 In establishing appropriate environmental objectives and targets for our wide range of business activities around the 
world, we focus on (1) the needs of our customers; (2) the communities in which we provide services; and (3) relevant laws and 
regulations. We regularly review and update our environmental management procedures, and information regarding our 
environmental activities is routinely disseminated throughout Ryder. We publish a Corporate Sustainability Report, which 
includes metrics related to our environmental and safety performance. The report is publicly available on the company website 
at www.rydercsr.com. In addition, we have voluntarily submitted an annual report to the Carbon Disclosure Project (CDP), 
disclosing direct and indirect emissions resulting from our operations, and earned leadership status for the quality of our 
disclosure reporting.

SAFETY

Our safety culture is founded upon a core commitment to the safety, health and well-being of our employees, customers 
and the community, a commitment that has made us a long-standing industry leader in safety. Safety is an integral part of our 
business strategy because preventing injuries and collisions improves employee quality of life, eliminates service disruptions to 
our customers, increases operational efficiency, and improves customer satisfaction. As a core value, our focus on safety is 
embedded in our day-to-day operations, reinforced by many safety programs and continuous operational improvement and 
supported by a talented and dedicated safety organization.

We deploy relevant vehicle safety systems in the vehicles we operate, including active brake assistance, lane departure 
warning systems, stability control, and others, to enhance safety performance. We also install aftermarket safety monitoring 
systems that provide effective means for our operations teams to measure and improve driver performance, including in-vehicle 

9

video event recorders. Training is also a key component of our safety program. Monthly safety training delivered by location 
safety committees cover specific and relevant safety topics and managers receive annual safety leadership training. In driving 
operations, we use certified driver trainers to on-board and train our drivers using first hand experienced certified driver 
trainers. Quarterly and remedial training is also delivered online to each driver through a highly interactive lesson platform. 
Regular safety behavioral observations are conducted by managers throughout the organization everyday and remedial training 
and coaching takes place on the spot. Our proprietary, web-based Safety Management System, RyderSafetyNetSM, delivers 
monthly proactive safety programs as well as safety compliance tasks tailored to every location and helps measure safety 
activity effectiveness across the organization. Our safety policies require that all managers, supervisors and employees 
incorporate safe processes in all aspects of our business. Monthly safety scorecards are tracked and reviewed by management 
for progress toward key safety objectives.

EMPLOYEES 

At December 31, 2019, we had approximately 39,900 full-time employees worldwide, of which 38,600 were employed in 

North America and 1,300 in Europe. We currently employ approximately 9,500 drivers and 6,300 technicians. We have 
approximately 25,600 hourly employees in the U.S., approximately 4,300 of which are organized by labor unions. Those 
employees organized by labor unions are principally represented by the International Brotherhood of Teamsters, the 
International Association of Machinists and Aerospace Workers and the United Auto Workers. Their wages and benefits are 
governed by 104 separate labor agreements which are renegotiated periodically. Although we have not experienced a material 
work stoppage or strike, these events can potentially occur given the types of businesses in which we currently engage. We 
consider the relationship with our employees to be good.

INFORMATION ABOUT OUR EXECUTIVE OFFICERS 

Name

Robert E. Sanchez
Scott T. Parker
John J. Diez
J. Steven Sensing
Robert D. Fatovic
John Gleason
Karen M. Jones
Frank Lopez
Tim Fiore
Rajeev Ravindran
Frank Mullen

Age
54
52
49
52
54
63
57
45
64
54
50

Position

Chair and Chief Executive Officer
Executive Vice President and Chief Financial Officer
President, Global Fleet Management
President, Global Supply Chain Solutions and Dedicated Transportation Solutions
Executive Vice President, Chief Legal Officer and Corporate Secretary
Executive Vice President and Chief Sales Officer
Executive Vice President and Chief Marketing Officer
Executive Vice President and Chief Human Resources Officer
Senior Vice President and Chief Procurement Officer
Senior Vice President and Chief Information Officer
Vice President and Controller

Robert E. Sanchez was appointed Chair of Ryder's Board in May 2013 and promoted to Chief Executive Officer and 

became a Board member in January 2013. Previously, Mr. Sanchez served as President and Chief Operating Officer from 
February 2012 to December 2012. He served as President, Global Fleet Management Solutions from September 2010 to 
February 2012 and as Executive Vice President and Chief Financial Officer from October 2007 to September 2010. He also 
previously served as Executive Vice President of Operations, U.S. Fleet Management Solutions from October 2005 to October 
2007 and as Senior Vice President and Chief Information Officer from January 2003 to October 2005. Mr. Sanchez joined 
Ryder in 1993 and has held various other positions of increasing responsibility, including leadership positions in all three of 
Ryder's business segments.

Scott T. Parker joined Ryder in April 2019 and was appointed Executive Vice President and Chief Financial Officer. Prior 

to joining Ryder, Mr. Parker served as Executive Vice President and Chief Financial Officer at OneMain Financial, a leading 
consumer finance company, where he was responsible for overseeing all financial operations since 2015. Prior to OneMain 
Financial, Mr. Parker served as Chief Financial Officer for CIT Group Inc., a commercial finance company, from 2010 to 2015. 
He also served as Chief Financial Officer from 2006 to 2008 and Chief Operating Officer from 2008 to 2010 of Cerberus 
Operations & Advisory Company, and spent more than 15 years in leadership roles within the industrial and financial services 
businesses at General Electric Company, including Chief Financial Officer of GE Capital Solutions from 2005 to 2006. 

John J. Diez has served as President, Global Fleet Management Solutions since September 2019. Previously, Mr. Diez 

served as President of Dedicated Transportation Solutions from March 2015 to August 2019, as Senior Vice President of Ryder 
Dedicated from March 2014 to February 2015, and as Senior Vice President of Asset Management from January 2011 to 
February 2014. Mr. Diez joined Ryder's Finance department in 2002 and has since held various positions within Finance 

10

including Senior Vice President Global Field Finance and Vice President and Chief Financial Officer of Fleet Management 
Solutions. 

J. Steven Sensing has served as President of Global Supply Chain Solutions since March 2015. In September 2019, the 

DTS business was consolidated under the leadership of Mr. Sensing. Previously, Mr. Sensing served as Vice President and 
General Manager of the Technology industry group from February 2007 to February 2015. In July 2014, he also added the 
Retail industry group under his leadership. Mr. Sensing joined Ryder in 1992 and has since held various positions within 
Dedicated Services, Transportation Management and Distribution Management. 

Robert D. Fatovic has served as Executive Vice President, Chief Legal Officer and Corporate Secretary since May 2004. 

He previously served as Senior Vice President, U.S. Supply Chain Operations, Hi-Tech and Consumer Industries from 
December 2002 to May 2004. Mr. Fatovic joined Ryder’s Law department in 1994 as Assistant Division Counsel and has held 
various other positions within the Law department including Vice President and Deputy General Counsel.

John Gleason has served as Executive Vice President and Chief Sales Officer since November 2015. Previously, Mr. 
Gleason served as Senior Vice President of Global Fleet Management Solutions from October 2009, when he joined Ryder, to 
October 2015. Prior to joining Ryder, Mr. Gleason served as Chief Sales Officer for Automatic Data Processing from April 
2005 to September 2009 and as Senior Vice President of Sales from July 1998 to April 2005.

Karen M. Jones has served as Executive Vice President and Chief Marketing Officer since October 2014. She joined 

Ryder in September 2013 as Senior Vice President and Chief Marketing Officer. Prior to joining Ryder, Ms. Jones was Chief 
Marketing Officer for NRG/Reliant Energy, Inc from 2010 to 2013. Previously, Ms. Jones served as Senior Vice President of 
Marketing and Corporate Communications for DHL Express U.S. from 2006 to 2009 and as Vice President of Advertising, 
Brand Management and Promotion from 2004 to 2006. In addition, Ms. Jones has served in key positions responsible for 
worldwide brand advertising, sponsorship, and strategic alliances for Hewlett Packard.

Frank Lopez was appointed as Executive Vice President and Chief Human Resources Officer in February 2018.  

Previously, Mr. Lopez served as Chief Human Resources Officer since February 2016 and Senior Vice President, Global 
Human Resources Operations since July 2013. Mr. Lopez joined Ryder in 2002 and has since held various positions within the 
Human Resources, Labor Relations and Legal functions.

Timothy (Tim) Fiore was appointed Senior Vice President and Chief Procurement Officer in March of 2018. He 
previously held the same role from 2002 to 2005. Prior to his current role, Mr. Fiore was the Senior Vice President and Chief 
Procurement Officer of ThyssenKrupp NA, a manufacturer and supplier of automotive and industrial components and 
equipment, from 2012 until his retirement in 2014. In that role, he was responsible for developing and implementing 
ThyssenKrupp’s first consolidated North American supply management program. He also serves as Chair of the Institute for 
Supply Management's Manufacturing Business Survey Committee since 2017. Over the course of his career, Mr. Fiore has also 
held senior supply management roles at Terex Corporation, Celanese Corporation, and United Technologies Corporation. 

Rajeev Ravindran joined Ryder and was appointed Senior Vice President and Chief Information Officer in January 2018. 

Mr. Ravindran has over 20 years of IT leadership experience and was previously the CIO and Group Vice President at JM 
Enterprises since 2012. Prior to JM, Mr. Ravindran worked in IT leadership roles at various companies including Interactive 
Metronome, Asista.com, and AutoNation. 

Frank Mullen joined Ryder and was appointed Vice President and Controller in September 2017. Mr. Mullen joined 
Ryder from Global Eagle Entertainment, a global provider of media, content, connectivity and data analytics, where he held the 
position of Senior Vice President and Chief Accounting Officer since 2016. From 2015 to 2016, he served as Vice President and 
Controller of Pinnacle Foods Inc., a manufacturer, marketer and distributor of branded food products. Prior to joining Pinnacle, 
Mr. Mullen held roles of increasing responsibility at Aramark, a provider of food service, facilities and uniform services, from 
2000 through 2015, including Vice President and Assistant Controller from 2014 to 2015 and Associate Vice President – 
Corporate Accounting from 2006 to 2014. 

FURTHER INFORMATION

For further discussion concerning our business, see the information included in Items 7 and 8 of this report. Industry and 
market data used throughout Item 1 was obtained through a compilation of surveys and studies conducted by industry sources, 
consultants and analysts.

We make available our Annual Report on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K and 

all amendments to those reports through the Investor Relations page on our website at www.ryder.com as soon as reasonably 
practicable after such material is electronically filed with or furnished to the Securities and Exchange Commission (SEC). The 
SEC maintains an Internet site that contains our reports, proxy and information statements, and our other SEC filings. The 
address of the SEC's website is www.sec.gov. 

11

In addition, our Corporate Governance Guidelines, Principles of Business Conduct and Board committee charters are 

posted on the Corporate Governance page of our website at www.investors.ryder.com. Upon request to our Investor Relations 
page on our website at www.ryder.com, we will provide a copy of these documents to anyone, free of charge.

12

ITEM 1A. RISK FACTORS

The following is a cautionary discussion of the material risks and uncertainties that management believes affect us. Any of the 
following risks, as well as risks that we do not know or currently deem immaterial, could have a material adverse effect on our 
business, financial condition or results of operations. Accordingly, you should carefully consider the following risk factors in 
conjunction with all of the other information set forth in or incorporated by reference in this Form 10-K.

Decreased customer demand for transportation services due to adverse economic conditions, competition or other 
factors could adversely impact our business and operating results.

The transportation industry is highly cyclical and highly susceptible to trends in economic activity. Weakness or uncertainty in 
economic conditions in the United States, and to a lesser extent the other geographic markets in which we operate, could 
adversely impact our business and operating results. Our business relies on the strength of our customers’ businesses and the 
level of confidence our customers have about current and future economic conditions and trends. Our vehicles are leased or 
rented to customers that transport goods commercially, so the demand for our products and services is tied directly to the 
production and sale of goods by our customers, and more generally, the health of the North American economy and overall 
levels of competition in the transportation and logistics industry. Because of this, our business may begin to slow before market 
slowdowns, at the point of customer uncertainty, and may recover later than market recoveries, as our customers may continue 
to feel uncertain about future market conditions. If uncertainty and lack of customer confidence around macroeconomic and 
transportation industry conditions increase, our future growth prospects, business and results of operations could be materially 
adversely affected.

Among our services and product offerings, demand for our longer-term contractual services is particularly susceptible to 
changes in economic and market conditions, as customers are often unwilling to commit to long-term lease, maintenance, 
dedicated services or supply chain contracts in a weak or volatile economy. Accordingly, any sustained weakness in demand or 
a protracted economic downturn can negatively impact performance and operating results in our longer-term contractual 
services, which include ChoiceLease and SelectCare contracts in our FMS business segment, supply chain and last mile 
delivery contracts in our SCS business segment and dedicated services in our DTS business segment. 

We bear the residual risk on the value of our vehicles.  

Impact on Used Vehicle Sales. We generally bear the risk that we will not be able to resell our vehicles at a price equal to or 
above their expected residual values. If we overestimate a vehicle’s residual value this could contribute to lower gains or losses 
on sales of our used vehicles. A decline in market demand for used vehicles would likely result in a reduction in our residual 
values. Factors that could contribute to a decline in the market demand for used vehicles include an oversupply of vehicles in 
the marketplace; decline in customers due to economic conditions; concerns regarding the real or perceived quality, 
maintenance or condition of our vehicles; foreign exchange movements; or changes in technology that render select vehicle 
technology obsolete or less attractive to purchasers. We sell our used vehicles through various channels, including retail sales 
centers, at our branch locations, through our website at www.UsedTrucks.Ryder.com, as well as through the wholesale market. 
Pricing and demand for used vehicles varies among selling channels, particularly between the retail and wholesale markets, as 
we generally obtain lower proceeds on vehicles sold through wholesale channels. If we are unable to meet our targeted sales 
goals and inventory levels through our projected sales mix of retail versus wholesale, we may be required to sell more vehicles 
than planned through the wholesale market, which will impact our sales proceeds. Beginning in the latter part of 2015, which 
reflected an all-time high for residual values as a percent of net vehicle investment, and continuing through mid-2019, we 
experienced a weakening of conditions in the used vehicle sales market. Beginning in the second half of 2019, conditions 
significantly deteriorated further requiring us to sell a larger number of used vehicles through wholesale channels and adversely 
affected used vehicle sales volume and pricing. As a result, we lowered residual value estimates in the third quarter of 2019 for 
the entire fleet of power vehicles. If the market for our used vehicles declines further than those lower residual values, or there 
is a concern regarding the quality, maintenance or condition of our vehicles, we may obtain lower sales proceeds upon the sale 
of used vehicles, which would negatively impact the residual value estimates of our operating fleet and require us to further 
lower our residual value estimates. 

Impact on our ChoiceLease Product Line. Changes in residual values also impact the overall competitiveness of our 
ChoiceLease product line, as estimated sales proceeds are a significant component of the overall price of the lease. Additionally, 
technology changes, sudden changes in supply and demand, competitor pricing, and other market factors beyond our control, 
vary from year to year and from vehicle to vehicle, making it difficult to accurately predict residual values used in calculating 
and pricing our ChoiceLease arrangements. Although we have developed disciplines related to the management and 

13

maintenance of our leased vehicles designed to maximize the value of our used vehicles, there is no assurance that these 
practices will sufficiently reduce the residual risk. 

For a detailed discussion on our accounting policies and assumptions relating to depreciation and residual values, please see 
“Critical Accounting Estimates - Depreciation and Residual Value Estimates” in Management’s Discussion and Analysis of 
Financial Condition and Results of Operations.

Our profitability could be negatively impacted if our key operational assumptions and pricing structure prove to be 
invalid.

Substantially all of our SCS and DTS services, as well as our ChoiceLease and SelectCare products, are provided under long-
term contractual arrangements with our customers. These contractual arrangements include pricing terms that are subject to a 
number of key operational assumptions including, but not limited to:

• 

• 

• 

with respect to our SCS contracts, the scope of services, production volumes, operational efficiencies, the mix of 
fixed versus variable costs, productivity and other factors;

with respect to our DTS contracts, market wages, availability of labor, insurance rates and other operating costs 
that experience market fluctuations; and

with respect to our ChoiceLease and SelectCare contracts, residual values (ChoiceLease only) and maintenance 
expense.

If we are incorrect in our assumptions, or, as a result of subsequent changes in customer demand or other market forces that are 
outside of our control, these assumptions prove to be invalid, we could have lower margins than anticipated in a contract or 
segment, lose business, or be unable to offer competitive products and services. For example, our SCS and DTS services are 
highly customized and offer a high degree of specialization to meet the needs of our customers. We may not be able to adjust 
the pricing terms in some of our SCS and DTS contracts in the event any of our assumptions prove to be incorrect or invalid. As 
a result, if we do not accurately predict the costs to us to execute the SCS or DTS contract, it could result in a significant 
decrease in revenue or loss on the contract that could adversely affect our operating results and financial condition. 
Additionally, although some of our SCS or DTS contracts provide for renegotiation upon a material change, there is no 
assurance that we will be successful in obtaining the necessary price adjustments or that pricing will be sufficient to cover the 
risk.

Our capital intensive business requires us to make capital decisions based upon projected customer activity levels and 
market demand for our commercial rental product line.  

We make significant investments in vehicles to support our rental business based on anticipated customer demand. We make 
commitments to purchase the vehicles many months in advance of the expected use of the vehicle and seek to optimize the size 
and mix of the commercial rental fleet based on demand projections and various other factors. As a result, our business is 
dependent on our ability to accurately estimate future levels of rental activity and consumer preferences to effectively capitalize 
on market demand in order to drive the highest levels of utilization and revenue per unit. Missing our projections could result in 
too much or too little capacity in our rental fleet. Overcapacity could require us to deploy or sell vehicles at lower than 
anticipated pricing levels or result in asset write-downs, and undercapacity could negatively impact our ability to reliably 
provide rental vehicles to our customers, each of which could result in lower revenues, higher costs and an adverse impact on 
profitability. We employ a sales force and operations team on a full-time basis to manage and optimize this product line; 
however, their efforts may not be sufficient to overcome unforeseen changes in market demand in the rental business. In 
contrast, in our ChoiceLease product line, we typically do not purchase vehicles until we have an executed contract with a 
customer.

We operate in a highly regulated industry, and changes in existing regulations or costs of compliance with, or liability 
for violation of, existing or future laws or regulations could have a material adverse effect on our business.

Our business is subject to regulation by various federal, state, local and foreign governmental agencies. In the United States, we 
are regulated by the DOT as well as local, state and federal agencies that exercise broad powers over our motor carrier 
operations, safety and the generation, handling, storage, treatment and disposal of waste materials. The FMCSA, under the 
DOT, also manages a compliance and enforcement initiative partnering with state agencies designed to monitor and improve 
commercial vehicle motor safety. We are also subject to other regulations relating to our business, employees and customers, 

14

including labor and employment laws, international laws and regulations governing our foreign operations, environmental laws 
and regulations, among others. 

Compliance with existing laws and regulations has involved, and we expect will continue to involve, significant time 
commitments and costs, and in recent years, we have seen an increase in proactive regulatory enforcement. In addition, new 
laws, rules or regulations may be adopted or interpretative changes to existing regulations could be issued at any time. Any new 
initiatives could further increase our costs or operating complexity and our ability to offer certain services in the jurisdictions in 
which we operate. 

Our failure to comply with any existing or future laws, rules or regulations to which we are, or may become subject, whether 
actual or alleged, could have a material adverse effect on our business and on our ability to access the capital required to 
operate our business. Among other things, any such failure could expose us to reputational harm, loss of business, fines, 
penalties or potential litigation liabilities, including costs, settlements and judgments, as well as the loss of operating authority 
and restrictions on our operations. For example, the DOT periodically conducts compliance reviews to ensure compliance with 
its safety and other rules and regulations, and evaluates the safety rating assessed to motor carriers (“satisfactory,” “conditional” 
or “unsatisfactory”). The receipt of a final “conditional” or “unsatisfactory” safety rating due to deficiencies in our safety and 
compliance program could have a material adverse effect on our customer relationships, as some of our existing customer 
contracts require a “satisfactory” DOT safety rating. Moreover, if we fail to comply with DOT regulations, including our failure 
to maintain a “satisfactory” DOT safety rating, the DOT could levy fines and require us to cease all transportation services 
under our operating authority, which could have a material adverse effect on our business.

In addition, the FMCSA’s enforcement and compliance programs, designed to monitor and improve commercial motor vehicle 
safety by measuring the safety record of both the motor carrier and the driver, may shrink the industry’s pool of drivers. This 
and the shortage of qualified drivers could increase the costs to attract, train and retain qualified drivers as well as increase 
driver turnover, decrease asset utilization, limit growth, and adversely impact our results of operations.

Other compliance issues we may face include:

• 

• 

• 

• 

• 

companies we acquire may not have historically maintained internal controls, policies or procedures to monitor 
compliance with the regulatory and legal requirements consistent with our standards;

our operations in Canada, Europe and Mexico may expose us to liability for failure to comply with local laws and 
regulatory requirements of foreign jurisdictions, which may vary significantly from country to country, including 
local tax laws, and anti-bribery laws; 

compliance with environmental laws and regulations, including regulations imposed by the EPA on exhaust 
emissions and increasingly stringent regulations related to climate change, which may impose restrictions on our 
activities or require us to take certain actions, all of which may, over time, increase our costs and adversely affect 
our business and results of operations;

compliance with health and safety laws and regulations imposed by OSHA; and

compliance with new laws or regulations that may change the employee/independent contractor classification of 
independent contractors doing business with us, which could cause us to incur additional exposure under federal 
and state tax and employment laws.

In addition, we are also subject to reputational risk and other detrimental business consequences associated with noncompliance 
by other parties with whom we engage with, such as employees, customers, agents, suppliers or other persons using our supply 
chain or assets to commit illegal acts, including the use of company assets for terrorist activities, or a breach of data privacy 
laws. 

We may fail to respond adequately or in a timely manner to innovative changes in new technology in our industry.  

In recent years, our industry has been characterized by rapid changes in technology, leading to innovative transportation and 
logistics concepts that have impacted or have the potential to significantly impact our business model, competitive landscape 
and the industries of our customers and suppliers. For example, new concepts are currently under development for more 
advanced electric vehicles, automatic or semi-automatic self-driving vehicles, connected vehicle platforms, and drones. 
Additional innovations impacting the transportation, trucking and supply chain/logistics industries are likely that we cannot yet 
foresee. In addition, there is a rapidly growing demand for e-commerce services, last mile home delivery and asset- and freight-

15

sharing services, which continue to disrupt the transportation industry with the goal of bringing efficiencies to the transportation 
marketplace. 

Our inability to quickly adapt to and adopt new innovations in products and processes desired by our customers may result in a 
significant loss of demand for our service offerings. In addition, advances in technology may require us to increase investments 
in order to remain competitive, and our customers may not be willing to accept higher prices to cover the cost of these 
investments. Our lease and rental fleets could become unfavorable with our customers or obsolete within a relatively short 
period of time, and we may no longer be able to find buyers for our used vehicles. An increase in customer use of electric 
vehicles could reduce the demand for our vehicle maintenance services, diesel vehicles and related offerings. Likewise, self-
driving vehicles may reduce the demand for our dedicated service offerings, where, in addition to a vehicle, Ryder provides a 
driver as part of an integrated, full service customer solution. While we are actively engaged in developing strategic 
partnerships with new technology providers, developing new products, and evaluating emerging technology, we cannot be 
certain that such initiatives will be successful or timely, and our failure to successfully and timely implement any of these 
initiatives could have an adverse impact on our financial condition or results of operations.

We face risks related to cybersecurity attacks and other breaches of our systems and information technology. 

We depend on the proper functioning and availability of our information systems in operating our business. It is important that 
the data processed by these systems remains confidential, as it often includes sensitive customer information, confidential 
customer transaction data, employee records, and key financial and operational results and statistics. Failure to prevent or 
mitigate data loss or system intrusions from cybersecurity attacks or other security breaches could expose us, our vendors, or 
our customers to a risk of loss or misuse of such information, adversely affect our operating results, restrict or prevent 
operations or financial reporting, result in litigation or potential liability and otherwise harm our business. Likewise, data 
privacy breaches from our systems could expose personally identifiable information of our employees or contractors, sensitive 
customer data, or vendor data to unauthorized persons, adversely impacting our customer service, employee relationships and 
our reputation. We maintain an information security program, which consists of safeguards and controls to help ensure that our 
core fundamentals of confidentiality, integrity and availability are supported, but we cannot ensure that we will be able to 
prevent or mitigate all such data breaches or cyberattacks. 

In addition, some of our software applications are utilized by third parties who provide outsourced administrative functions. 
Such third parties may have access to information we maintain about our company, customers, employees and vendors or 
operate systems that are critical to our business operations and services. These third parties are subject to risks imposed by data 
breaches, cyberattacks and other events or actions that could damage, disrupt or close down their networks or systems. 

Our information systems are protected through physical and software safeguards as well as backup systems considered 
appropriate by management. However, threats to network and data security are becoming increasingly diverse and 
sophisticated. We have experienced cybersecurity threats and vulnerabilities targeting our information technology systems and 
networks and those of our third party providers. Such prior events, to date, have not had a material impact on our financial 
condition or results of operations. While we have significant security processes and initiatives in place, we may be unable to 
fully detect, mitigate or protect against a material breach or disruption in the future. In addition, efforts to prevent, detect and 
mitigate data breaches and cyberattacks subject us to additional costs. We have cyber insurance coverage in place that may 
cover certain events described above, subject to deductibles and coverage limitations. It is possible that claims could exceed the 
limits of our coverage. Further, such insurance may not address or cover injury to reputation or loss of business that may result 
should such an attack be material.   

In addition, regulatory authorities have increased their focus on how companies collect, process, use, store, share and transmit 
personal data. New privacy security laws and regulations, including the United Kingdom’s Data Protection Act 2018 (“DPA”) 
and the European Union General Data Protection Regulation 2016 (“GDPR”), pose increasingly complex and rigorous 
compliance challenges, which may increase our compliance costs. Any failure to comply with data privacy laws and regulations 
could result in significant penalties, fines, legal challenges and reputational harm.

Failure to maintain, upgrade and consolidate our information technology networks could adversely affect us.

Our success depends on the functionality of information technology systems to support our service offerings. Extended delays 
or cost overruns in securing, developing and otherwise implementing technology solutions to support our business and the 
business initiatives we will be developing in the future would delay and possibly prevent us from realizing the projected 
benefits of these initiatives. In addition, our reputation with our customers may suffer if outages, system failures or delays in 

16

timely access to data occur in our information technology systems that support key business processes.

We are continuously upgrading and consolidating our information technology systems by enhancing legacy systems, replacing 
legacy systems with successor systems and acquiring new systems with enhanced functionality. These types of activities subject 
us to additional costs and inherent risks associated with replacing and modifying our existing systems, including impairment of 
our ability to provide our services, disruption of our internal control structure, substantial capital expenditures, additional 
administration and operating expenses, retention of sufficiently skilled personnel to implement and operate the new systems, 
demands on management time, disruptions in our business operations, and other risks and costs of delays or difficulties in 
transitioning to new systems or integrating new systems into our current systems. Our system implementations may not result in 
productivity improvements at a level that outweighs the costs of implementation, or at all. 

We are in the process of implementing a multi-year Enterprise Resource Planning (ERP) project. This new system is designed 
to improve efficiencies and integrate and automate certain internal financial, operating, and other applications that are critical to 
our business operations. The implementation, operation, and proper functionality of the ERP system will require a significant 
investment of human, technological, and financial resources. While we expect to invest significant resources in planning, 
project management, consulting and training to minimize disruptions to our business during the conversion to the new ERP 
system, it is possible that significant implementation, operational, and functionality issues may arise. It is further possible that 
we may experience significant delays, increased costs, and other difficulties that are not presently contemplated and that may 
interfere with our ability to meet our customer service requirements. If we encounter unforeseen problems with regard to our 
new ERP system, our business, operations and financial condition could be adversely affected. 

We operate in a highly competitive industry and our business may suffer if we are unable to adequately address 
potential downward pricing pressures and other competitive factors.

The transportation industry is highly competitive. We face competition in all geographic markets and each industry sector in 
which we operate. Increased competition or our inability to compete successfully may lead to a reduction in revenues, reduced 
profit margins, increased pricing pressure, or a loss of market share, any one of which could affect our financial results. 
Numerous competitive factors could impair our ability to maintain our current profitability, including the following:

• 

• 

• 

• 

• 

• 

• 

• 

• 

our inability to obtain expected customer retention levels or profitability; 

we compete with many other transportation and logistics service providers, some of which have greater capital 
resources or lower cost structures than we do; 

our inability to compete with new entrants in the transportation and logistics market that may offer similar 
services at lower cost or have greater technological capabilities; 

customers may choose to provide the services we provide for themselves; 

our competitors may periodically reduce their prices to gain business, especially during times of declining 
economic growth, which may limit our ability to maintain or increase prices or impede our ability to maintain our 
profitability or grow our market share or profitability; 

many customers periodically accept bids from multiple carriers for their shipping needs, and this process may 
depress rates or result in the loss of some of our business to competitors; 

the continuing trend toward consolidation in the trucking industry may result in larger carriers with greater 
financial resources than we have; 

advances in technology require increased investments to remain competitive, and our customers may not be 
willing to accept higher prices to cover the cost of these investments; and

because cost of capital is a significant competitive factor, any increase in either the cost of our debt or equity as a 
result of reductions in our debt rating or stock price volatility could have a significant impact on our competitive 
position.

Failure to execute our growth strategy and develop, market and consistently deliver high-quality services that meet 
customer expectations may cause our revenue and earnings to suffer.

Our long-term growth strategy is to target clients new to outsourced transportation and logistics services and thereby expand the 
market for our services. We seek to execute our growth strategy by providing operational excellence, superior talent and best-

17

in-class information technology. By providing high-quality leasing services, we aim to attract customers that traditionally have 
only been interested in operating their own transportation and logistics networks.

To successfully execute on this strategy, we must continue to focus on developing innovative solutions that meet our existing 
and target customers’ evolving needs and keep pace with our competitors. Expanding our service offerings to entice and support 
new clients may strain our management, capital resources, information systems and customer service. We may also need to hire 
new employees, which may increase costs and may result in temporary inefficiencies until those employees become proficient 
in their jobs.

Notwithstanding our efforts, new or enhanced service offerings may not meet customer demands, prove to be profitable or 
succeed in the long term. If we do not respond to current customer needs and establish new, and further develop existing, 
customer relationships, our ability to maintain a competitive advantage and continue to grow our business profitability could be 
negatively affected.

We may be negatively impacted by adverse events in the global credit and financial markets, by an investment rating 
downgrade or by the loss of an investment grade rating.

Our business is highly capital intensive and we have significant ongoing capital requirements that could affect our profitability 
if we are unable to obtain sufficient capital. In general, we rely in large part upon global credit and financial markets to fund our 
operations and contractual commitments as well as refinance existing debt. These markets can experience high levels of 
volatility for numerous reasons and our access to capital could be constrained for extended periods of time. Our ability to raise 
capital may be materially reduced and/or our borrowing costs may significantly increase if, among other things, access to public 
investment grade debt becomes limited or closed, we lose access to our global revolving credit facility, or funding costs 
increase due to the loss of an investment grade rating, a severe economic downturn or rising interest rates. Significant 
uncertainty, volatility, disruptions or downturns in the global credit and financial markets may also result in:

• 

• 

• 

• 

restricted access to capital and an increased cost of capital; 

diminished liquidity and credit availability resulting in higher short- or long-term borrowing costs and more 
stringent borrowing terms; 

unanticipated interest rate and currency exchange rate fluctuations; and

increased risk of default by counterparties under derivative instruments and hedging agreements. 

As of December 31, 2019, we had $7.9 billion of outstanding indebtedness. If we are unable to raise additional capital by 
accessing the debt and equity markets or our costs of raising additional capital were to materially increase, our ability to operate 
or grow our business, including refreshing, replacing and/or growing our vehicle fleets and acquiring new businesses, and 
refinance existing debt will be impaired, which could have a material adverse effect on our operating results or materially 
impact our ability to implement our long-term strategy.

We and the vehicle and equipment manufacturers in our FMS business rely on a small number of suppliers.  

We buy vehicles and related equipment from a relatively small number of original equipment manufacturers (OEMs) in our 
FMS business. Some of our vehicle manufacturers rely on a small concentration of suppliers for certain vehicle parts, 
components and equipment. A discrete event in a particular OEM’s or supplier’s industry or location, or adverse regional 
economic conditions impacting an OEM or supplier’s ability to provide vehicles or a particular component, could adversely 
impact our FMS business and profitability. In addition, our business and reputation could also be negatively impacted if any 
parts, components or equipment from one of our suppliers suffer from broad-based quality control issues or become the subject 
of a product recall and we are unable to obtain replacement parts from another supplier in a timely manner.

We derive a significant portion of our SCS and DTS segment revenue from a relatively small number of customers.

During 2019, sales to our top ten SCS customers accounted for 54% of our SCS total revenue and 47% of our SCS operating 
revenue (total revenue less fuel and subcontracted transportation). Additionally, approximately 37% of our global SCS revenue 
is from the automotive industry and is directly impacted by automotive vehicle production. Our top ten DTS customers 
accounted for 47% of DTS total revenue and 40% of DTS operating revenue. The loss of any of these customers or a significant 
reduction in the services provided to any of these customers could materially and adversely impact our operating results. While 
we continue to focus our efforts on diversifying our customer base, we may not be successful in doing so. 

18

We are also subject to credit risk associated with the concentration of our accounts receivable from our SCS and DTS 
customers. If one or more of these customers were to become bankrupt, insolvent or otherwise were unable to pay for the 
services provided by us, we may incur significant write-offs of accounts receivable or incur lease or asset impairment charges 
that could adversely affect our operating results and financial condition. 

In addition, many of our customers operate in cyclical or seasonal industries, or operate in industries, including the food and 
beverage industry, that may be impacted by unanticipated weather, growing conditions (such as drought, insects or disease), 
natural disasters and other conditions over which we have no control. A downturn in our customers’ businesses or unanticipated 
events impacting their businesses could cause a reduction in freight volume shipped by those customers or a reduction in their 
need for our services, which could materially and adversely affect our operating results and financial condition.

We may face difficulties in attracting and retaining drivers and technicians.

Drivers.  We hire drivers primarily for our SCS and DTS business segments. There is significant competition for qualified 
drivers in the transportation industry. Additionally, interventions and enforcement under the CSA program may shrink the 
industry’s pool of drivers as those drivers with unfavorable scores may no longer be eligible to drive for us. As a result of driver 
shortages, we could be required to increase driver compensation, let trucks sit idle, utilize lower quality drivers or face 
difficulty meeting customer demands, all of which could adversely affect our growth and profitability. 

Technicians.  Similarly, we hire technicians in our FMS business segment to perform vehicle maintenance services on our 
ChoiceLease, SelectCare and rental fleets. In recent years, there has been a decrease in the overall supply of skilled 
maintenance technicians, particularly new technicians with qualifications from technical programs and schools, which could 
make it more difficult to attract and retain skilled technicians. If we are unable to maintain an adequate number of qualified 
technicians, whether through the retention of current technicians or the hiring of new qualified technicians, our business could 
be adversely affected. 

We intend to continue to explore strategic transactions (including acquisitions or divestitures). Our business could be 
adversely affected if we are not able to identify or successfully execute these strategic transactions.

In furtherance of our strategy, we routinely evaluate opportunities and may enter into agreements for possible strategic 
transactions. We may be unable to identify strategic transactions or we may be unable to negotiate commercially acceptable 
terms. Other risks involved in engaging in these strategic transactions include the possible failure to realize the expected 
benefits of such transactions within the anticipated time frame, or at all, such as cost savings, synergies, sales and growth 
opportunities. In addition, the integration of an acquired business may result in material unanticipated challenges, expenses and 
liabilities. Any one of these factors could result in lower than expected revenues or earnings related to combining the companies 
or derived from a strategic transaction and could adversely impact our financial condition or results of operations.

Failure to successfully negotiate with our union employees may result in strikes, work stoppages, or substantially higher 
labor costs.

We have approximately 4,300 employees that are organized by labor unions whose wages and benefits are governed by 104 
labor agreements that are renegotiated periodically. A material work stoppage, slowdown or strike involving our employees 
organized by labor unions could result in business disruptions or higher operating costs, which could have an adverse effect on 
our financial position, results of operations, or cash flows.

Volatility in assumptions and asset values related to our pension plans may adversely affect the valuation of our 
obligations, the current funding levels and our pension expense under our defined benefit pension plans.

We historically sponsored a number of defined benefit plans for employees not covered by union-administered plans, including 
certain employees in foreign countries. The aggregate projected benefit obligations and plan assets of our global defined benefit 
pension plans as of December 31, 2019, were $2.3 billion and $2.0 billion, respectively. The difference between plan 
obligations and assets, or the funded status of the plans, is a significant factor in determining pension expense and the ongoing 
funding requirements of those plans. Macroeconomic factors, as well as changes in investment returns and discount rates used 
to calculate pension expense and related assets and liabilities, can be volatile and may have an unfavorable impact on our costs 
and funding requirements. Although we have actively sought to control increases in these costs and funding requirements 
through investment policies and plan contributions, there can be no assurance that we will succeed, and continued cost and 
funding requirement pressure could reduce the profitability of our business and negatively impact our cash flows.

19

We are subject to risk of multi-employer pension plan withdrawal. 

We participate in certain U.S. multi-employer pension (MEP) plans that provide defined benefits to employees covered by 
collective bargaining agreements. In the event that we withdraw from participation in any of these plans, then applicable law 
could require us to make an additional lump-sum contribution to the plan. Our withdrawal liability for any MEP plan would 
depend on the extent of the plan’s funding of vested benefits. Economic conditions have caused MEP plans to be significantly 
underfunded. As a result, although we have taken steps in recent years to withdraw from significantly underfunded MEP plans, 
we may still have liability for at least a period of time following our withdrawal. If the financial condition of the MEP plans 
were to continue to deteriorate, we could be subject to additional assessments. 

We may fail to establish sufficient insurance reserves and adequately estimate for future workers’ compensation and 
vehicle liabilities.

We are partially self-insured for vehicle liability and workers’ compensation claims. Our self-insurance accruals are based on 
actuarially estimated, undiscounted cost of claims, which includes claims incurred but not reported. While we believe that our 
estimation processes are well designed and comply with generally accepted accounting principles (GAAP) and other accounting 
and finance best practices, any projection of losses concerning workers’ compensation and vehicle insurance is subject to a 
considerable degree of variability. The causes of this variability include litigation trends, claim settlement patterns and 
fluctuations in the frequency or severity of accidents. If actual losses incurred are greater than those anticipated, our self-
insurance reserves may be insufficient and additional costs could be recorded in our consolidated financial statements. If we 
suffer a substantial loss in excess of our self-insured limits, the loss and attendant expenses may be covered by traditional 
insurance and excess insurance the Company has in place, but if not covered or above such coverages, losses could harm our 
business, financial condition or results of operations. For a detailed discussion on our accounting policies and assumptions 
relating to our self-insurance reserves, please see the “Critical Accounting Estimates - Self-Insurance Accruals” section in 
Management’s Discussion and Analysis of Financial Condition and Results of Operations.

Impairment in the carrying value of goodwill could negatively affect our operating results.

We assess our goodwill for impairment at least annually and whenever events or changes in circumstances indicate that the 
carrying amount of these assets may not be recoverable. In evaluating goodwill for impairment, we have the option to first 
assess qualitative factors to determine whether further impairment testing is necessary, such as macroeconomic conditions, 
changes in our industry and the markets in which we operate, and our market capitalization, as well as our reporting units' 
historical and expected future financial performance. If events occur that negatively affect key assumptions used in our 
analysis, then we may be required to record charges for goodwill impairments in the future, which could have a material 
adverse non-cash effect on our results of operations. Subsequent to December 31, 2019, we experienced a decline in our market 
capitalization and if this decline continues for a sustained period of time, we may be required to perform additional impairment 
analyses and could be required to recognize a non-cash goodwill impairment charge. For a detailed discussion on our 
accounting policies and assumptions relating to goodwill, please see “Critical Accounting Estimates - Goodwill” in 
Management’s Discussion and Analysis of Financial Condition and Results of Operations.

Severe weather or other natural occurrences could result in significant business interruptions and expenditures in excess 
of available insurance coverage.

Our operations may be affected by external factors such as severe weather and other natural occurrences, including floods, fires, 
hurricanes and earthquakes at operating locations where we have vehicles, warehouses and other facilities. As a result, our 
vehicles and facilities may be damaged, our workforce may be unavailable, fuel costs may rise and significant business 
interruptions could occur. In addition, the performance of our vehicles could be adversely affected by extreme weather 
conditions. Insurance to protect against loss of business and other related consequences resulting from these natural occurrences 
is subject to coverage limitations, depending on the nature of the risk insured. This insurance may not be sufficient to cover all 
of our damages or damages to others and this insurance may not continue to be available at commercially reasonable rates. 
Even with insurance, if any natural occurrence leads to a catastrophic interruption of service, we may not be able to mitigate a 
significant interruption in operations.

20

We face litigation risks that could have a material adverse effect on the operation of our business. 

We face litigation risks regarding a variety of issues, including without limitation, accidents involving our trucks and injuries to 
employees, alleged violations of federal and state labor and employment law including class-action lawsuits alleging wage and 
hour violations, independent contractor misclassification and improper pay, securities laws, environmental liability, commercial 
claims and other matters. These proceedings may be time-consuming, expensive and disruptive to normal business operations. 
The defense of such lawsuits could result in significant expense and the diversion of our management’s time and attention from 
the operation of our business. In recent years, several insurance companies have stopped offering coverage to trucking 
companies as a result of increases in the severity of automobile liability claims and higher costs of settlements and verdicts, 
causing the cost of such insurance to increase. This trend could adversely affect our ability to obtain suitable insurance coverage 
or further increase the cost for such coverage significantly, each of which may adversely affect our financial condition, results 
of operations, liquidity or cash flows. Costs we incur to defend or to satisfy a judgment or settlement of these claims may not be 
covered by insurance or could exceed the amount of that coverage or increase our insurance costs and could have a material 
adverse effect on our financial condition, results of operations, liquidity and cash flows.

Damage to our reputation through unfavorable publicity or the actions of our employees could adversely affect our 
financial condition.

Our success depends on our ability to consistently deliver operational excellence and strong customer service. Our inability to 
deliver our services and solutions as promised on a consistent basis, or our customers having a negative experience or otherwise 
becoming dissatisfied, can negatively impact our relationships with new or existing customers and adversely affect our brand 
and reputation, which could, in turn, adversely affect revenue and earnings growth. Adverse publicity (whether or not justified) 
relating to activities by our employees, contractors, agents or others with whom we do business, such as customer service 
mishaps or noncompliance with laws, could tarnish our reputation and reduce the value of our brand. With the increase in the 
use of social media outlets such as Facebook, YouTube, Instagram and Twitter, adverse publicity can be disseminated quickly 
and broadly, making it increasingly difficult for us to effectively respond. This unfavorable publicity could also require us to 
allocate significant resources to rebuild our reputation.

Future acts of terrorism, war or regulatory changes to combat the risk of terrorism may cause significant disruptions in 
our operations.

Terrorist attacks, along with any government response to those attacks, may adversely affect our financial condition, results of 
operations or liquidity. Our fleet, other key infrastructure and information technology systems may be targets or indirect 
casualties of acts of terror, other harmful acts, or war. Further, because transportation assets continue to be a target of terrorist 
activities, federal, state and local governmental bodies are proposing and, in some cases, have adopted legislation and 
regulations relating to security issues that impact the transportation industry, including checkpoints and travel restrictions on 
large trucks. If additional security measures disrupt or impede the timing of our operations, we may fail to meet the 
requirements of our customers or incur increased expenses to do so. In addition, complying with these or future regulations 
could continue to increase our operating costs and reduce operating efficiencies. We maintain insurance coverages addressing 
these risks and we have received U.S. Patriot Act protections for our security practices related to the rental of our assets. 
However, such insurance may be inadequate or become unavailable, premiums charged for some or all of the insurance could 
increase dramatically, regulations may change or U.S. Patriot Act protections could be reduced. These changes could exacerbate 
the effects of an act of terrorism on our business, resulting in a significant business interruption, increased costs and liabilities 
and decreased revenues or an adverse impact on results of operations. 

Our business may be affected by uncertainty or changes in U.S. or global social, political or regulatory conditions.

Adverse developments in laws, policies or practices in the U.S. and internationally can negatively impact our business and the 
business of our customers. Negative domestic and international global trade conditions as a result of social, political or 
regulatory changes or perceptions could materially affect our business, financial conditions and results of operations.

We provide services domestically and to a lesser extent outside of the U.S., which subjects our business to various additional 
risks, including:

• 

• 

changes in tariffs, trade restrictions, trade agreements and taxes; 

varying tax regimes, including consequences from changes in applicable tax laws; 

21

• 

• 

• 

• 

• 

• 

difficulties in managing or overseeing foreign operations and agents; 

foreign currency fluctuations and limitations on the repatriation of funds due to foreign currency controls; 

different liability standards; 

the price and availability of fuel; 

national and international conflict; and 

intellectual property laws of countries that do not protect our rights in intellectual property to the same extent as 
the laws of the U.S. 

If we do not correctly anticipate changes in social, political or regulatory conditions or their impact on the transportation 
industry, we may not alter our business practices in time to avoid adverse effects. Additionally, the occurrence or consequences 
of any of these factors may restrict our ability to operate in the affected region and/or decrease the profitability of our 
operations in that region. 

Our suppliers may also be affected by changes in the political and regulatory environment, both in the U.S. and internationally. 
Negative impacts on our suppliers could result in disruptions in the supply and availability of equipment or services needed for 
our business that could in turn affect our ability to operate and serve our customers as planned. 

In addition, there may be changes to existing trade agreements, like the North American Free Trade Agreement (“NAFTA”) and 
its anticipated successor agreement, the U.S.-Mexico-Canada Agreement (“USMCA”), which is still subject to approval by 
Canada, greater restrictions on free trade generally, and significant increases in tariffs on goods imported into the United States, 
particularly tariffs on products manufactured in Mexico, among other possible changes. These changes may lead to fewer goods 
transported and we may need to restructure certain terms of business with suppliers or customers. It remains unclear what the 
U.S. administration or foreign governments will or will not do with respect to tariffs, NAFTA, USMCA or other international 
trade agreements or policies. It is therefore difficult to anticipate the full impact of this agreement on our business, financial 
condition, cash flows and results of operations.

The market value of our common stock may fluctuate and could be substantially affected by various factors.

We expect that the market price of our common stock will continue to fluctuate due to a variety of factors, some of which are 
beyond our control. These factors include, among others:

• 

• 

• 

• 

• 

• 

• 

• 

actual or anticipated variations in earnings, financial or operating performance or liquidity;

changes in analysts’ recommendations or projections;

failure to meet analysts’ and our Company's projections;

general political, social, economic and capital market conditions;

announcements of developments or initiatives related to our business;

operating and stock performance of other companies deemed to be peers;

actions by government regulators; and

news reports of trends, concerns and other issues related to us or our industry, including changes in  regulations.

Our common stock price may fluctuate significantly in the future, and these fluctuations may be unrelated to our performance. 
General market price declines or market volatility in the future could adversely affect the price of our common stock, and the 
current market price of our common stock may not be indicative of future market prices. 

Our failure to comply with U.S. or foreign tax laws or a government challenging our tax position could adversely affect 
our business and future operating results.

We are affected by various U.S. federal, state and foreign tax laws, including income taxes and taxes imposed on the purchase, 
sale and lease of goods and services such as sales, excise, property, value-added tax (“VAT”), fuel, environmental and other 
taxes. In the ordinary course of our business, there are many transactions and calculations where the ultimate tax determination 
is uncertain. For example, significant judgment is required in determining our worldwide provision for income taxes. Our tax 
22

expense includes estimates of additional tax that may be incurred for tax exposures and reflects various estimates and 
assumptions, including assessments that could affect the valuation of our net deferred tax assets. Our operating results could be 
adversely affected by changes in the effective tax rate as a result of a change in the mix of earnings in countries with differing 
statutory tax rates, changes in our overall profitability, changes in tax legislation, the results of audits and examinations of 
previously filed tax returns and continuing assessments of our income and indirect tax exposures.

In addition, from time to time we are under audit by tax authorities in different jurisdictions with regards to income tax and 
indirect tax matters. Economic and political pressures to increase tax revenue in various jurisdictions may make resolving tax 
disputes favorably more difficult. Although we believe our tax estimates are reasonable, the final determination of tax audits 
and any other related tax proceedings in the jurisdictions where we are subject to taxation could be materially different from our 
historical income and indirect tax provisions and accruals.

Finally, changes in U.S. federal, state or international tax laws applicable to corporate multinationals, other tax reform currently 
being considered by many countries, including the U.S., and changes and clarifications in taxing jurisdictions’ administrative 
interpretations, decisions, policies and positions may materially adversely impact our tax expense and cash flows. The U.S. 
Congress, the Organization for Economic Co-operation and Development, the European Union, and other government agencies 
in jurisdictions in which we and our affiliates invest or do business have maintained a focus on the taxation of multinational 
companies and have a number of on-going tax initiatives. If we are unable to successfully take actions to manage the adverse 
impacts of new tax legislation, or if additional interpretations, regulations, amendments or technical corrections exacerbate the 
adverse impacts of such legislation, the legislation could have a material adverse effect on our financial condition, results of 
operations and cash flows.

23

None.

ITEM 1B. UNRESOLVED STAFF COMMENTS

ITEM 2. PROPERTIES

Our properties consist primarily of vehicle maintenance and repair facilities, warehouses and other real estate and 

improvements.

We maintain 593 FMS properties in the U.S., Puerto Rico and Canada; we own 413 of these and lease the remaining 
properties. Our FMS properties are primarily comprised of maintenance facilities generally including a repair shop, rental 
counter, fuel service island, administrative offices, and used vehicle retail sales centers.

Additionally, we manage 174 on-site maintenance facilities, located at customer locations.

We also maintain 263 locations in the U.S. and Canada in connection with our domestic SCS business. Almost all of our 

SCS locations are leased and generally include a warehouse and administrative offices.

We maintain 119 international locations (locations outside of the U.S. and Canada) for our international businesses. There 
are 54 locations in the U.K. and Germany, and 65 locations in Mexico. The majority of these locations are leased and may be a 
repair shop, warehouse or administrative office.

Additionally, we maintain 11 U.S. locations primarily used for Central Support Services. These facilities are generally 

administrative offices, of which we own three and lease the remaining locations.

ITEM 3. LEGAL PROCEEDINGS

We are involved in various claims, lawsuits and administrative actions arising in the normal course of our businesses. 

Some involve claims for substantial amounts of money and/or claims for punitive damages. While any proceeding or litigation 
has an element of uncertainty, management believes that the disposition of such matters, in the aggregate, will not have a 
material impact on our consolidated financial condition or liquidity.

Not applicable.

ITEM 4. MINE SAFETY DISCLOSURES

24

PART II

ITEM 5. MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED
STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES

Ryder Common Stock

 Our common shares are listed on the New York Stock Exchange under the trading symbol “R.” At January 31, 2020, there 

were 6,307 common stockholders of record.   

Performance Graph

The following graph compares the performance of our common stock with the performance of the Standard & Poor’s 
MidCap 400 Index and the Dow Jones Transportation 20 Index for a five year period by measuring the changes in common 
stock prices from December 31, 2014 to December 31, 2019.

The stock performance graph assumes for comparison that the value of our common stock and of each index was $100 on 

December 31, 2014 and that all dividends were reinvested. Past performance is not necessarily an indicator of future results.

25

Purchases of Equity Securities

The following table provides information with respect to purchases we made of our common stock during the quarter 

ended December 31, 2019: 

October 1 through October 31, 2019
November 1 through November 30, 2019
December 1 through December 31, 2019
Total

Total Number
of Shares
Purchased (1)

Average Price
Paid per
Share

73
63,621
548
64,242

$

$

51.50
51.22
53.23
51.24

Total Number of
Shares Purchased as
Part of Publicly  
Announced Programs (2)
—
63,621
—
63,621

Maximum Number    
of Shares That May
Yet Be Purchased
Under the Anti-Dilutive
Programs (2)

667,372
603,751
1,500,000

______________ 
(1)  During the three months ended December 31, 2019, we purchased an aggregate of 621 shares of our common stock in employee-related transactions. 

Employee-related transactions may include: (i) shares of common stock delivered as payment for the exercise price of options exercised or to satisfy the 
option holders’ tax withholding liability associated with our share-based compensation programs and (ii) open-market purchases by the trustee of 
Ryder’s deferred compensation plans relating to investments by employees in our stock, one of the investment options available under the plans.

(2) 

In December 2017, our Board of Directors authorized a share repurchase program intended to mitigate the dilutive impact of shares issued under our 
employee stock plans (the program). Under the program, management was authorized to repurchase up to 1.5 million shares of common stock. The 2-
year program expired in December 2019.

In December 2019, our Board of Directors authorized a new share repurchase program intended to mitigate the dilutive impact of shares issued under 
our employee stock plans. Under the December 2019 program, management is authorized to repurchase up to 1.5 million shares of common stock issued 
to employees under our employee stock plans from December 1, 2019 to December 11, 2021. Share repurchases are made periodically in open-market 
transactions using the Company's working capital, and are subject to market conditions, legal requirements, and other factors. In addition, management 
has been granted the authority to establish prearranged written trading plans under Rule 10b5-1 of the Securities Exchange Act of 1934 as part of the 
repurchase program. 

26

ITEM 6. SELECTED FINANCIAL DATA

The following selected consolidated financial information should be read in conjunction with Items 7 and 8 of this Annual 

Report. Amounts in 2019, 2018 and 2017 reflect the impact of the retrospective adoption in 2019 of the new accounting 
standard related to leasing. See Note 2 to our Consolidated Financial Statements for additional information on the new leasing 
standard. Amounts in 2015 do not reflect the impact of the retrospective adoption of the new accounting standard in 2018 
related to revenue recognition. See Note 1 to our Consolidated Financial Statements for additional information on our revenue 
recognition accounting policy.

2019

Years ended December 31
2017
(In thousands, except per share amounts and other data)

2016

2018

2015

Operating Data:

Total revenue
Operating revenue (1)
Earnings (loss) from continuing operations (2)
Comparable earnings from continuing operations (3)
Net earnings (loss) (2), (4)

Per Share Data:

Earnings (loss) from continuing operations — Diluted (2)
Comparable earnings from continuing operations — Diluted (3)
Net earnings (loss) — Diluted (2), (4)
Cash dividends
Book value (5)
Financial Data:
Total debt
Shareholders’ equity (5)
Debt to equity (5)
Adjusted return on equity (5), (6), (7)
Adjusted return on capital (5), (6), (8)

Cash Flow Data:

Net cash provided by (used in):

$ 8,925,801

$

8,413,946

$

7,280,074

$

6,758,138

$

6,571,893

7,224,332

6,698,116

6,022,505

5,790,897

5,561,077

(23,272)

53,554

(24,410)

$

(0.45)

$

1.01

(0.47)

2.20

46.48

286,922

314,781

284,613

5.43

5.95

5.38

2.12

47.75

720,101

225,187

719,644

$

13.54

$

4.23

13.53

1.80

46.33

265,232

291,080

263,069

4.95

5.43

4.91

1.70

38.49

$

305,989

326,485

304,768

5.73

6.10

5.71

1.56

37.15

$ 7,924,788

$

6,649,277

$

5,440,006

$

5,391,274

$

5,502,627

2,476,310

2,536,568

2,453,577

2,057,620

1,987,111

320%

0.3%

1.9%

262%

12.7%

5.2%

222%

11.1%

4.2%

262%

13.2%

4.8%

277%

16.5%

5.8%

Operating activities from continuing operations

$ 2,140,539

$

1,717,993

$

1,628,098

$

1,601,022

$

1,441,788

Investing activities from continuing operations

Financing activities from continuing operations

Free cash flow (9)
Capital expenditures paid

Other Data:

(3,217,193)

1,084,139

(1,076,654)

3,735,174

(2,821,459)

(1,438,676)

(1,407,347)

(2,161,355)

1,085,515

(936,094)

3,050,409

(162,055)

196,662

(185,922)

193,675

731,485

(727,714)

1,860,436

1,905,157

2,667,978

Number of vehicles — Owned and leased

213,800

201,600

186,200

185,100

185,200

____________________ 
(1)  Non-GAAP financial measure. Refer to the “Non-GAAP Financial Measures” section in Item 7 of this Annual Report for a reconciliation of total revenue to operating revenue, 

as well as the reasons management believes these measures are important to investors.

(2)  Amounts in 2017 reflect a tax benefit as a result of the 2017 Tax Cuts and Jobs Act. Refer to Note 12 , "Income Taxes", for additional information.
(3)  Non-GAAP financial measures. Refer to the “Non-GAAP Financial Measures” section in Item 7 of this Annual Report for a reconciliation of net earnings from continuing 
operations to comparable earnings from continuing operations and net earnings from continuing operations per diluted common share to comparable earnings per diluted 
common share, as well as the reasons management believes these measures are important to investors.

(4)  Net earnings in 2019, 2018, 2017, 2016 and 2015 included losses from discontinued operations of $1 million, or $0.03 per diluted common share, $2 million, or $0.04 per 

(5) 

diluted common share, $0.5 million, or $0.01 per diluted common share, $2 million, or $0.04 per diluted common share, and $1 million, or $0.02 per diluted common share, 
respectively.
Shareholders’ equity as of December 31, 2019, 2018, 2017, 2016 and 2015 reflected cumulative after-tax equity charges of $667 million, $712 million, $567 million, $627 
million, and $577 million, respectively, related to our pension and postretirement plans.
(6)  Amounts were computed primarily using an 5-point average based on quarterly information.
(7)  Non-GAAP financial measure. Refer to the “Non-GAAP Financial Measures” section in Item 7 of this Annual Report for a reconciliation of the non-GAAP elements of this 
calculation and a numerical reconciliation of net earnings to adjusted net earnings and average shareholders' equity to adjusted average equity used to calculate adjusted 
return on equity, as well as the reasons management believes these measures are important to investors.

(8)  Non-GAAP financial measure. Refer to the “Non-GAAP Financial Measures” section in Item 7 of this Annual Report for a reconciliation of the non-GAAP elements of this 

calculation and a numerical reconciliation of net earnings to adjusted net earnings and average total debt and average shareholders' equity to adjusted average total capital 
used to calculate adjusted return on capital, as well as the reasons management believes these measures are important to investors.

(9)  Non-GAAP financial measure. Refer to the “Non-GAAP financial measures” section in Item 7 of this Annual Report for a reconciliation of net cash provided by operating 

activities to free cash flow, as well as the reasons why management believes this measure is important to investors.

27

 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS

The following Management’s Discussion and Analysis of Financial Condition and Results of Operations (MD&A) should 
be read in conjunction with our consolidated financial statements and related notes contained in Item 8 of this Annual Report on 
Form 10-K. The following MD&A describes the principal factors affecting results of operations, financial resources, liquidity, 
contractual cash obligations and critical accounting estimates. The information presented in the MD&A is for the years ended 
December 31, 2019, 2018 and 2017 unless otherwise noted. Amounts in 2019, 2018 and 2017 reflect the impact of the 
retrospective adoption in 2019 of the new accounting standard related to leasing. See Note 2 to our Consolidated Financial 
Statements for additional information on the new leasing standard. 

OVERVIEW

Ryder is a global leader in transportation and supply chain management solutions. Our operating segments are 
aggregated into reportable business segments based upon similar economic characteristics, products, services, customers and 
delivery methods. We report our financial performance based on three business segments: (1) FMS, which provides full service 
leasing and leasing with flexible maintenance options, commercial rental, and contract or transactional maintenance services of 
trucks, tractors and trailers to customers principally in the U.S., Canada and the U.K.; (2) SCS, which provides integrated 
logistics solutions, including distribution, management, dedicated transportation and professional services in North America; 
and (3) DTS, which provides turnkey transportation solutions in the U.S. that includes dedicated vehicles, drivers and 
engineering, and administrative support. Dedicated transportation services provided as part of an operationally integrated, 
multi-service, supply chain solution to SCS customers are primarily reported in the SCS business segment.

The FMS business, our largest segment, had total revenue and assets in 2019 of $5.6 billion and $13.0 billion, 

respectively, representing 56% of our consolidated revenue (excluding eliminations) and 90% of consolidated assets. SCS total 
revenue and assets in 2019 were $2.6 billion and $1.2 billion, respectively, representing 29% of our consolidated revenue and 
9% of consolidated assets. DTS total revenue and assets in 2019 were $1.4 billion and $327 million, respectively, representing 
15% of our consolidated revenue and 2% of consolidated assets. 

We operate in highly competitive markets. Our customers select us based on numerous factors including service quality, 

price, technology and service offerings. As an alternative to using our services, customers may choose to provide these services 
for themselves, or may choose to obtain similar services from other third-party vendors. Our customer base includes enterprises 
operating in a variety of industries including food and beverage service (22%), transportation and logistics (21%), automotive 
(11%), retail and consumer goods (11%), industrial (8%), housing (8%), technology (6%), business and personal services (5%) 
and other (8%). In April 2018, we acquired MXD, an e-commerce fulfillment provider with a national network of facilities, 
including last mile delivery capabilities, which is included in our SCS business segment. Refer to Note 3, "Acquisitions," in the 
Notes to Consolidated Financial Statements for additional information.

Our results of operations and financial condition are influenced by a number of factors including, but not limited to: used 

vehicle sales; market conditions including pricing and demand; customer contracting activity and retention; rental demand; 
maintenance costs; residual value estimates and other depreciation changes; currency exchange rate fluctuations; customer 
preferences; inflation; fuel and energy prices; general economic conditions; insurance costs; interest rates; labor costs; 
unemployment; tax rates; changes in accounting or regulatory requirements; and cybersecurity attacks.

This MD&A includes certain non-GAAP financial measures. Please refer to the “Non-GAAP Financial Measures” section 
of this MD&A for information on these non-GAAP measures, including reconciliations to the most comparable GAAP financial 
measure and the reasons why we believe each measure is useful to investors. In addition, this MD&A includes certain forward-
looking statements regarding our 2020 outlook. These statements are based on our current plans and expectations and are 
subject to risks, uncertainties and assumptions. We caution readers that certain important factors could cause actual results and 
events to differ significantly from those expressed. For a detailed description of certain of these risk factors, please see “Item 
1A-Risk Factors” and "Special Note Regarding Forward-Looking Statements" sections of this Annual Report.

28

ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

The following discussion provides a summary of financial highlights that are discussed in more detail throughout our 

MD&A and within the Notes to Consolidated Financial Statements:

2019

2018

2017

2019/2018

2018/2017

Change

Total revenue
Operating revenue (1)

(In thousands, except per share amounts)
$ 8,413,946
6,698,116

$ 7,280,074
6,022,505

$ 8,925,801
7,224,332

Earnings (loss) from continuing operations

before income taxes (EBT)

Comparable EBT (2)
Earnings (loss) from continuing operations (3)
Comparable earnings from continuing 

operations (2)
Net earnings (loss) (3)
Earnings (loss) per common share (EPS) —

Diluted
Continuing operations (3)
Comparable (2)
Net earnings (loss) (3)

$

$

(42,271) $
56,089
(23,272)

53,554
(24,410)

389,469
418,862
286,922

314,781
284,613

(0.45) $
1.01
(0.47)

5.43
5.95
5.38

$

$

296,436
348,257
720,101

225,187
719,644

13.54
4.23
13.53

6%
8

NM
(87)
NM

(83)
NM

NM
(83)
NM

16%
11

31%
20
(60)

40
(60)

(60)%
41
(60)

_________________
(1)  Non-GAAP financial measure. Refer to the“Non-GAAP Financial Measures” section of this MD&A for a reconciliation of total revenue to operating revenue and the 

reasons why management believes this measure is important to investors.

(2)  Non-GAAP financial measures. Refer to the “Non-GAAP Financial Measures” section for a reconciliation of EBT, earnings (loss) from continuing operations and 

earnings (loss) from continuing operations per diluted common share to the comparable measures and the reasons why management believes these measures are 
important to investors.

(3)  2017 amounts reflect a total tax provision benefit of $424 million, which includes the impact from the 2017 Tax Cuts and Jobs Act. Refer to Note 12 , "Income Taxes ," 

in the Notes to Consolidated Financial Statements for additional information.

In 2019, total revenue increased 6% to $8.9 billion and operating revenue (a non-GAAP measure excluding fuel and 
subcontracted transportation) increased 8% to $7.2 billion. Total revenue and operating revenue increased due to new business 
and higher volumes in all segments. Total and operating revenue growth also reflects the acquisition of MXD in the second 
quarter of 2018. The following table summarizes the components of the change in revenue on a percentage basis versus the 
prior year:

Organic, including price and volume
Acquisitions

Fuel
Total increase

2019/2018

2018/2017

Total
5%

1
—
6%

Operating
8%

—
—
8%

Total
12%
2
2
16%

Operating
10%
1
—
11%

EBT decreased to a loss of $(42) million in 2019, reflecting higher depreciation expense related to changes in vehicle 

residual value estimates in our FMS segment in the third quarter of 2019 partially offset by improved operating results in DTS 
and SCS segments.

Cash provided by operating activities from continuing operations increased 25% to $2.1 billion in 2019 compared with 

$1.7 billion in 2018, reflecting higher cash earnings as well as lower working capital needs in 2019. Free cash flow from 
continuing operations (a non-GAAP financial measure) decreased to a use of $(1.1) billion in 2019 from a use of $(0.9) billion 
in 2018, primarily due to higher capital expenditures in 2019.

Capital expenditures increased 14% to $3.6 billion in 2019, reflecting higher planned investments in our ChoiceLease and 
commercial rental fleets. Our debt balance of $7.9 billion as of December 31, 2019 increased 19% from the prior year reflecting 
financing for the higher planned vehicle capital spending. Our debt to equity ratio increased to 320% from 262% in 2018 
reflecting higher debt and a decrease in our equity balance due to the net loss in 2019.

We increased our annualized dividend rate by 4% to $2.24 per share of common stock during 2019.

29

 
 
 
 
 
 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

FULL YEAR CONSOLIDATED RESULTS

Lease & Related Maintenance and Rental

2019

2018

2017

2019/2018

2018/2017

(In thousands)

Change

Lease & related maintenance and rental

revenues

Cost of lease & related maintenance and

rental

Gross margin
Gross margin %

$ 3,784,744

$ 3,512,867

$ 3,220,705

8%

$

3,103,703
681,041
18%

$

2,555,358
957,509
27%

$

2,353,209
867,496
27%

21
(29)%

9%

9
10%

Lease & related maintenance and rental revenues represent ChoiceLease and commercial rental product offerings within 
our FMS business segment. Revenues increased 8% and 9% in 2019 and 2018, respectively, from higher ChoiceLease revenue, 
driven by growth in the average ChoiceLease fleet (up 9% in 2019 and 4% in 2018), and higher prices on replacement vehicles. 
Lease & related maintenance and rental revenue growth in 2019 and 2018 also reflects higher commercial rental revenue driven 
by higher pricing and demand.

Cost of lease & related maintenance and rental represents the direct costs related to lease & related maintenance and 
rental revenues and are comprised of depreciation of revenue earning equipment, maintenance costs (primarily repair parts and 
labor), and other costs such as licenses, insurance and operating taxes. Cost of lease & related maintenance and rental excludes 
interest costs from vehicle financing, which are reported within "Interest expense" in our Consolidated Statements of Earnings. 
Cost of lease & related maintenance and rental increased 21% in 2019 due to higher depreciation expense of approximately 
$297 million related to the change in estimate for residual values of our lease and commercial rental fleet in our FMS business 
segment in the third quarter of 2019 (of the total increase in depreciation expense of $317 million), as well as higher insurance 
costs of $27 million related to higher claim activity and adverse development on prior year claims. These costs also increased 
from a larger average lease and rental fleet, partially offset by a significant maintenance cost recovery item.

Cost of lease & related maintenance and rental increased 9% in 2018 due to higher depreciation and maintenance costs on 
a larger average lease and rental fleet, policy depreciation changes of $40 million and accelerated depreciation of $39 million in 
2018 and $30 million in 2017. 

Lease & related maintenance and rental gross margin decreased 29% and gross margin as a percentage of revenue 
decreased to 18% in 2019. The decrease in gross margin dollars in 2019 was primarily due to higher depreciation as a result of 
changes in our vehicle residual value estimates in the third quarter of 2019. Lease & related maintenance and rental gross 
margin increased 10% and gross margin as a percentage of remained flat at 27% in 2018. The 2018 increase in gross margin 
dollars was due to increased commercial rental utilization, reflecting strong demand, and lease fleet growth, partially offset by 
higher depreciation from residual value changes as well as accelerated depreciation and higher maintenance costs on certain 
older model vehicles.

Refer to "Critical Accounting Estimates" below and Note 7, "Revenue Earning Equipment, net" in the Notes to 
Consolidated Financial Statements for additional information on policy and accelerated depreciation and the changes in our 
vehicle residual value estimates in the third quarter of 2019 which primarily impacted our FMS business segment.

Services

Services revenue
Cost of services
Gross margin
Gross margin %

2019

2018

2017

2019/2018

2018/2017

Change

$ 4,555,692
3,879,863
675,829
15%

$

(In thousands)
$ 4,280,834
3,663,348
617,486
14%

$

$ 3,538,869
2,977,426
561,443
16%

$

6%
6
9%

21%
23
10%

Services revenue represents all the revenues associated with our SCS and DTS business segments, as well as SelectCare 

and fleet support services associated with our FMS business segment. Services revenue increased 6% and 21% in 2019 and 
2018, respectively, due to new business, increased volumes and higher pricing in SCS and DTS. Services revenue also reflects 

30

 
 
 
 
 
 
 
 
 
 
 
 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

the MXD acquisition since the second quarter of 2018 and benefits from higher fuel costs passed through to our SCS and DTS 
customers in 2018.

Cost of services represents the direct costs related to services revenue and is primarily comprised of salaries and 
employee-related costs, subcontracted transportation (purchased transportation from third parties), fuel, vehicle liability costs 
and maintenance costs. Cost of services increased 6% in 2019 due to the growth of SCS and DTS. Cost of services increased 
23% in 2018 due to higher volumes and higher fuel costs.

Services gross margin increased 9% and 10% in 2019 and 2018, respectively, reflecting benefits from revenue growth in 

our SCS and DTS segments. In 2019, there was also a benefit from favorable insurance claim developments of $5 million. In 
2018, benefits from revenue growth were partially offset by higher costs incurred during the start-up phase of a new DTS 
customer account. Services gross margin as a percentage of revenue increased to 15% in 2019, reflecting improved operating 
performance in SCS and DTS. Services gross margin as a percentage of revenue decreased to 14% in 2018, reflecting a change 
in the mix of business.

Fuel

Fuel services revenue
Cost of fuel services
Gross margin
Gross margin %

2019

2018

2017

2019/2018

2018/2017

Change

$

$

585,365
571,658
13,707
2%

(In thousands)
620,245
$
605,613
14,632
2%

$

$

$

520,500
507,440
13,060
3%

(6)%
(6)
(6)%

19%
19
12%

Fuel services revenue represents fuel services provided to our FMS customers. Fuel services revenue decreased 6% in 
2019 primarily reflecting lower fuel costs passed through to customers. Fuel services revenue increased 19% in 2018 due to 
higher fuel costs passed through to customers.

Cost of fuel services includes the direct costs associated with providing our customers with fuel. These costs include fuel, 

salaries and employee-related costs of fuel island attendants and depreciation of our fueling facilities and equipment. Cost of 
fuel services decreased 6% in 2019 as a result of lower price and volume. Cost of fuel services increased 19% in 2018 due to 
higher fuel costs.

Fuel services gross margin decreased 6% in 2019 and increased 12% in 2018. Fuel services gross margin as a percentage 
of revenue remained flat at 2% in 2019 and decreased to 2% in 2018. Fuel is largely a pass-through to customers for which we 
realize minimal changes in margin during periods of steady market fuel prices. However, fuel services margin is impacted by 
sudden increases or decreases in market fuel prices during a short period of time, as customer pricing for fuel is established 
based on trailing market fuel costs. Fuel services gross margin was impacted by these price change dynamics as fuel prices 
fluctuated during the periods.

Other operating expenses

Other operating expenses

2019

2018

2017

2019/2018

2018/2017

$

121,980

(In thousands)
123,964
$

$

115,019

(2)%

8%

Change

Other operating expenses include costs related to our owned and leased facilities within the FMS business segment, such 
as facility depreciation, rent, purchased insurance, utilities and taxes. These facilities are utilized to provide maintenance to our 
FMS customers. Other operating expenses decreased slightly in 2019. Other operating expenses increased in 2018 due to higher 
facility maintenance and weather-related utility costs.

31

 
 
 
 
 
 
 
 
 
 
 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

Selling, general and administrative expenses

2019

2018

2017

2019/2018

2018/2017

Change

(In thousands)

Selling, general and administrative expenses

(SG&A)

$

907,449

$

849,410

$

870,918

7%

(2)%

Percentage of total revenue

10%

10%

12%

SG&A expenses increased 7% in 2019 and decreased 2% in 2018. The increase in 2019 primarily reflects higher 

compensation-related expenses, as well as growth-related investments in sales, marketing and technology. The decrease in 2018 
was primarily due to cost savings initiatives implemented during 2018 and lower compensation-related costs. 

Non-operating pension costs

Non-operating pension costs

$

60,406

(In thousands)
7,541
$

$

27,741

NM

NM

2019

2018

2017

2019/2018

2018/2017

Change

Non-operating pension costs includes the components of our net periodic benefit cost other than service cost. These 
components include interest cost, expected return on plan assets and amortization of actuarial loss and prior service cost, as well 
as settlement or curtailment charges. Non-operating pension costs increased by $53 million in 2019 due to a pension settlement 
charge of $32 million related to employee benefit settlements from the U.S. pension plan in 2019 and unfavorable asset returns 
in 2018, partially offset by higher interest rates. Non-operating pension costs decreased by $20 million in 2018 due to the 
benefit of favorable asset returns in 2017 and lower interest rates, partially offset by a pension settlement charge of $3 million 
related to employee benefit settlements from our U.K. pension plan.

Losses on used vehicle sales, net 

Losses on used vehicle sales, net

$

58,706

(In thousands)
22,325
$

$

16,989

NM

31%

2019

2018

2017

2019/2018

2018/2017

Change

Losses on used vehicle sales, net includes gains and losses from sales of used vehicles, selling costs associated with used 
vehicles and write-downs of vehicles held for sale to fair market value (referred to as "valuation adjustments"). Losses on used 
vehicle sales, net was $59 million in 2019 as compared to $22 million in 2018 primarily due to higher valuation adjustments on 
a larger inventory, as well as lower sales prices. Losses on used vehicle sales, net was $22 million in 2018 as compared to $17 
million in 2017 primarily due to lower gains from sales of used vehicles driven by the mix and volume of units sold in 2018, 
partially offset by lower valuation adjustments.

Global average proceeds per unit in 2019 decreased for both tractors and trucks due to higher sales volumes in the 
wholesale markets which generally have lower proceeds per unit. In the fourth quarter, we also experienced a decrease in 
proceeds per unit in the retail markets and we expect these trends to continue in 2020. Global average proceeds per unit in 2018 
increased for both tractors and trucks primarily due to a higher mix of retail sales, as well as lower average age of vehicles sold 
and improved market pricing. The following table presents the used vehicle pricing changes for 2019 and 2018 compared with 
the respective prior years:

Tractors

Trucks

Proceeds per unit change

2019/2018

2018/2017

(3)%

(6)%

12%

9%

32

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

Interest expense

Interest expense
Effective interest rate

2019

2018

2017

2019/2018

2018/2017

$

241,381

(In thousands)
180,488
$

$

141,876

34%

27%

3.3%

3.0%

2.6%

Change

Interest expense increased 34% to $241 million in 2019 reflecting higher average outstanding debt and a higher effective 

interest rate. The increase in average outstanding debt reflects higher planned vehicle capital spending. The higher effective 
interest rate in 2019 reflects the replacement of lower fixed interest rate debt with debt issuances at higher fixed rates. Interest 
expense increased 27% to $180 million in 2018 reflecting a higher effective interest rate and higher average outstanding debt. 
The higher effective interest rate in 2018 reflects the replacement of lower fixed interest rate debt with debt issuances at higher 
fixed rates as well as the impact on variable rate debt of an increasing interest rate environment. The increase in average 
outstanding debt reflects higher planned vehicle capital spending as well as acquisitions.

Miscellaneous income, net

2019

2018

2017

2019/2018

2018/2017

Change

(In thousands)

Miscellaneous (income) loss, net

$

(33,642) $

(5,422) $

(44,245)

NM

NM

Refer to Note 25, "Miscellaneous Income, Net" in the Notes to Consolidated Financial Statements for further discussion.

Restructuring and other items, net

Restructuring and other items, net

$

56,568

(In thousands)
21,852
$

$

17,265

NM

27%

2019

2018

2017

2019/2018

2018/2017

Change

Refer to Note 5, “Restructuring and Other Items, Net” in the Notes to Consolidated Financial Statements for further 

discussion.

Provision for income taxes

Provision for (benefit from) income taxes
Effective tax rate from continuing

operations

2019

2018

2017

2019/2018

2018/2017

$

(18,999)

(In thousands)
102,547
$

$

(423,665)

NM

NM

Change    

44.9%

26.3%

(142.9)%

Our provision for income taxes and effective income tax rates from continuing operations are impacted by changes in the 

mix of earnings in countries with different statutory rates, changes in our overall profitability, changes in tax legislation 
(including the 2017 Tax Cuts and Jobs Act), settlement of tax audits, and the expiration of statutes of limitations. In 2019, the 
effective tax rate was impacted by losses due to the residual value estimate change in the third quarter of 2019, as well as an 
increase in the expiration of state net operating losses and the release of uncertain tax position reserves due to the expiration of 
statutes of limitations. In 2019 and 2018, the effective tax rate was also impacted by the lower federal rate associated with the 
2017 Tax Cuts and Jobs Act. The 2017 tax rate reflects the net impact of the remeasurement of our deferred taxes and the 
transition tax as a result of the 2017 Tax Cuts and Jobs Act. Refer to Note 12, “Income Taxes” in the Notes to Consolidated 
Financial Statements for further discussion.

33

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

FULL YEAR OPERATING RESULTS BY BUSINESS SEGMENT

2019

2018

2017

2019/2018

2018/2017

(In thousands)

Change

Revenue:

Fleet Management Solutions
Supply Chain Solutions
Dedicated Transportation Solutions
Eliminations
Total

Operating Revenue: (1)

Fleet Management Solutions
Supply Chain Solutions
Dedicated Transportation Solutions
Eliminations
Total

Earnings (Loss) Before Taxes:
Fleet Management Solutions
Supply Chain Solutions
Dedicated Transportation Solutions
Eliminations

Unallocated Central Support Services
Non-operating pension costs
Other items impacting comparability, net (2)
Earnings (loss) from continuing operations

before income taxes

$ 5,571,403
2,551,271
1,417,483
(614,356)
$ 8,925,801

$ 5,258,693
2,398,144
1,333,313
(576,204)
$ 8,413,946

$ 4,716,541
1,937,352
1,095,645
(469,464)
$ 7,280,074

$ 4,755,041
1,879,965
972,694
(383,368)
$ 7,224,332

$ 4,411,038
1,765,336
870,537
(348,795)
$ 6,698,116

$ 4,026,732
1,507,548
789,294
(301,069)
$ 6,022,505

$

(70,274) $
145,060
81,149
(50,732)
105,203
(49,114)

(60,406)

(37,954)

$

340,038
130,262
61,236
(63,593)
467,943
(49,081)
(7,541)
(21,852)

295,618
98,825
55,346
(53,273)
396,516
(48,259)
(27,741)
(24,080)

$

(42,271) $

389,469

$

296,436

6%
6
6
(7)
6%

8%
6
12
(10)
8%

NM
11
33
20
(78)
—

NM

(74)

NM

11%
24
22
(23)
16%

10%
17
10
(16)
11%

15%
32
11
(19)
18
(2)
73

9

31%

  ————————————
NM - Not Meaningful 
(1)  Non-GAAP financial measures. Refer to the “Non-GAAP Financial Measures” section of this MD&A for a reconciliation of total revenue to operating 

revenue and segment total revenue to segment operating revenue for FMS, SCS and DTS, as well as the reasons why management believes these measures 
are important to investors. 

(2)  Refer to Note 22, "Other Items Impacting Comparability," and below for a discussion of items excluded from our primary measure of segment 

performance.

As part of management’s evaluation of segment operating performance, we define the primary measurement of our 
segment financial performance as "Earnings from continuing operations before taxes" (EBT), which includes an allocation of 
Central Support Services (CSS), and excludes non-operating pension costs and restructuring and other items, net, as described 
in Note 22, “Other Items Impacting Comparability,” in the Notes to Consolidated Financial Statements. CSS represents those 
costs incurred to support all business segments, including finance and procurement, corporate services, human resources, 
information technology, public affairs, legal, marketing and corporate communications.

The objective of the EBT measurement is to provide clarity on the profitability of each business segment and, ultimately, 

to hold leadership of each business segment accountable for their allocated share of CSS costs. Segment results are not 
necessarily indicative of the results of operations that would have occurred had each segment been an independent, stand-alone 
entity during the periods presented. Certain costs are not attributable to any segment and remain unallocated in CSS, including 
costs for investor relations, public affairs and certain executive compensation. See Note 26, “Segment Reporting,” in the Notes 
to Consolidated Financial Statements for a description of the methodology for allocating the remainder of CSS costs to the 
business segments.

34

 
 
 
 
 
 
 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

Our FMS segment leases revenue earning equipment and provides fuel, maintenance and other ancillary services to the 

SCS and DTS segments. Inter-segment revenue and EBT are accounted for at rates similar to those executed with third parties. 
EBT related to inter-segment equipment and services billed to SCS and DTS customers (equipment contribution) are included 
in both FMS and the segment that served the customer and then eliminated (presented as “Eliminations” in the table above). 
Inter-segment EBT allocated to SCS and DTS includes earnings related to equipment used in providing services to SCS and 
DTS customers. Refer to Note 26, "Segment Reporting" in the Notes to Consolidated Financial Statements for additional 
information. Prior year amounts have been revised to conform to the current period presentation, which excludes EBT from our 
Singapore operations that were shut down during the second quarter of 2019.

The following table sets forth equipment contribution included in EBT for our SCS and DTS business segments:

2019

2018

2017

2019/2018

2018/2017

(In thousands)

Change

$

$

22,267

28,465

50,732

$

$

27,067

36,526

63,593

$

$

22,244

31,029

53,273

  (18)%

  (22)

  (20)%

  22%

  18

  19%

Equipment Contribution:

    Supply Chain Solutions

    Dedicated Transportation Solutions

Total (1)

  ————————————
(1)  Total amount is included in FMS EBT. 

SCS and DTS equipment contribution decreased 18% and 22%, respectively, in 2019, primarily related to the impact of 
higher depreciation expense due to the change in estimate for residual values on vehicles used to provide services to SCS and 
DTS customers. Refer to "Critical Accounting Estimates" below and Note 8, "Revenue Earning Equipment, net" in the Notes to 
Consolidated Financial Statements for additional information on the changes in our vehicle residual value estimates. SCS and 
DTS equipment contribution increased 22% and 18%, respectively, in 2018, primarily driven by new business.

The following table provides items excluded from our segment EBT measure and their classification within our 

Consolidated Statements of Earnings: 

Description

Classification

2019

2018

2017

Restructuring and other, net (1)
Goodwill impairment (2)
ERP implementation costs (1)
Costs related to cost savings initiatives (1)
Tax reform related bonus (3)
Pension related adjustment (4)
Operating tax adjustment (3)
Gain on sale of property (5)
   Other items impacting comparability, net
Non-operating pension costs (4)

Restructuring and other items, net
Restructuring and other items, net
Restructuring and other items, net
Restructuring and other items, net
SG&A

SG&A

SG&A

Miscellaneous income

Non-operating pension costs

(In thousands)

(20,532) $
—
(21,260)
(14,776)

(5,597) $
(15,513)
(742)
—

—

—

—

—

—

—

18,614
(37,954)
(60,406)
(98,360) $

—
(21,852)
(7,541)
(29,393) $

$

$

(6,360)
—
—
(10,905)

(23,278)

(5,454)

(2,205)
24,122
(24,080)
(27,741)
(51,821)

________________ 
(1)  See Note 5, "Restructuring and Other Items, Net," in the Notes to Consolidated Financial Statements for additional information.
(2)  See Note 10, "Goodwill," in the Notes to Consolidated Financial Statements for additional information.
(3)  See Note 22, “Other Items Impacting Comparability,” in the Notes to Consolidated Financial Statements for additional information.
(4)  See Note 20, “Employee Benefit Plans,” in the Notes to Consolidated Financial Statements for additional information.
(5)  See Note 25, "Miscellaneous Income, Net" in the Notes to Consolidated Financial Statements for additional information.

35

 
 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

Fleet Management Solutions

ChoiceLease

SelectCare

Commercial rental

Other

Fuel services revenue

FMS total revenue (1)

2019

2018

2017

2019/2018

2018/2017

Change

(In thousands)

$ 3,112,311

$ 2,860,266

$ 2,671,687

9%

541,358

1,009,086

92,286

816,362

502,835

960,606

87,331

847,655

464,056

813,539

77,450

689,809

$ 5,571,403

$ 5,258,693

$ 4,716,541

8

5

6

(4)

6%

8%

7%

8

18

13

23

11%

10%

15%

FMS operating revenue (2)

$ 4,755,041

$ 4,411,038

$ 4,026,732

FMS EBT

$

(70,274)

$

340,038

$

295,618

NM

FMS EBT as a % of FMS total revenue

FMS EBT as a % of FMS operating revenue (2)

(1.3)%

(1.5)%

6.5%

7.7%

6.3%

7.3%

(780) bps

(920) bps

20 bps

40 bps

Includes intercompany fuel sales from FMS to SCS and DTS.

____________________ 
(1) 
(2)  Non-GAAP financial measures. Reconciliations of FMS total revenue to FMS operating revenue and FMS EBT as a % of FMS total revenue to FMS EBT 
as a % of FMS operating revenue, as well as the reasons why management believes these measures are important to investors, are included in the “Non-
GAAP Financial Measures” section of this MD&A.

FMS total revenue increased 6% to $5.6 billion in 2019 and 11% to $5.3 billion in 2018. FMS operating revenue (a non-

GAAP measure excluding fuel) increased 8% to $4.8 billion in 2019 and 10% to $4.4 billion in 2018. The following table 
summarizes the components of the change in revenue on a percentage basis versus the prior year:

Organic, including price and volume

Fuel
Total increase

2019/2018

2018/2017

Total
7%
(1)
6%

Operating (1)
8%
—
8%

Total
8%
3
11%

Operating (1)
10%
—
10%

  ————————————
(1)  Non-GAAP financial measure. A reconciliation of FMS total revenue to FMS operating revenue, as well as the reasons why management believes this 

measure is important to investors, is included in the "Non-GAAP Financial Measures" section of this MD&A. 

2019 versus 2018

ChoiceLease revenue increased 9% in 2019 reflecting a larger average fleet size as well as higher prices on replacement 

vehicles. The average number of ChoiceLease vehicles increased 9% from the prior year reflecting continuing sales activity. We 
expect ChoiceLease revenue growth to slow next year due to a lower OEM production environment, the non-renewal of lease 
business with lower returns and anticipated lost business related to the discontinuation of our liability insurance program to 
ChoiceLease customers. SelectCare revenue increased 8% in 2019 due to increased volumes. Commercial rental revenue 
increased 5% in 2019 due to higher pricing and demand. We expect unfavorable commercial rental comparisons next year based 
on a weakening demand environment and a smaller fleet. Fuel services revenue decreased 4% in 2019 due to lower fuel costs 
passed through to customers.

FMS EBT decreased in 2019 primarily driven by higher depreciation expense of approximately $297 million related to 

the change in estimate for residual values of our lease and commercial rental fleet in the third quarter of 2019 (of the total 
increase in depreciation expense of $317 million). FMS EBT also decreased by approximately $37 million in 2019 as used 
vehicle sales results reflected higher losses as a result of higher valuation adjustments on a larger inventory and lower expected 
sales prices. At the end of the second quarter of 2019, we began to experience softening in used vehicle market conditions, 
which intensified during the third quarter of 2019 and we now expect to continue throughout 2020. In addition, our inventory of 
used vehicles to be made available for sale was higher than expected, which has, and is expected to continue to, impact the 

36

 
 
 
 
 
 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

volume of used vehicle sales expected to be transacted through our wholesale channels. Due to these dynamics and our updated 
outlook, management concluded in the third quarter of 2019 that our residual value estimates likely exceeded the expected 
future values that would be realized upon the sale of power vehicles in our existing fleet and accordingly changed the vehicle 
residual value estimates. As a result of the change in vehicle residual value estimates, we expect higher depreciation expense on 
our current fleet in the future, which negatively impacted FMS EBT in 2019 as discussed above and will negatively impact 
FMS EBT in 2020 by approximately $275 million. We expect the negative impact of the higher depreciation expense on FMS 
EBT to decline each quarter going forward starting in 2020 through 2025. Refer to "Critical Accounting Estimates" below and 
Note 7, "Revenue Earning Equipment, net" in the Consolidated Financial Statements for additional information. In addition, 
FMS EBT decreased due to higher insurance costs of $23 million from higher claim activity and adverse development of prior 
year claims. The impact of these items was partially offset as lease results benefited from a larger average fleet size, as well as 
higher prices on replacement vehicles. Commercial rental performance was lower reflecting lower utilization in 2019. Rental 
power fleet utilization was 75.0% in 2019, down from 79.2% in 2018, on a 10% larger average rental power fleet. 

2018 versus 2017

ChoiceLease revenue increased 7% in 2018 reflecting a larger average fleet size and higher prices on replacement 
vehicles. The average number of ChoiceLease vehicles increased 4% from the prior year reflecting continued solid sales 
activity. Commercial rental revenue increased 18% in 2018 due to stronger demand and higher pricing. SelectCare revenue 
increased 8% in 2018 due to sales activity and increased volumes. Fuel services revenue increased 23% in 2018 due to higher 
fuel costs passed through to customers.

FMS EBT increased 15% in 2018 primarily driven by growth in commercial rental and ChoiceLease, as well as cost 

savings initiatives implemented during 2018. These benefits were partially offset by higher depreciation of $40 million due to 
residual value estimate changes and accelerated depreciation of $9 million to vehicles expected to be made available for sale 
through June 2020; higher compensation-related expenses; and unfavorable self-insurance developments. Commercial rental 
performance improved in 2018 due to increased utilization reflecting stronger demand and higher pricing. Rental power fleet 
utilization was 79.2% in 2018, up from 75.6% in 2017, on a 10% larger average rental power fleet. ChoiceLease comparisons 
benefited from fleet growth. Used vehicle sales results declined $5 million reflecting lower gains from sales of used vehicles 
due to the mix and volume of units sold, partially offset by lower valuation adjustments.

The following table provides commercial rental statistics on our global fleet:

Rental revenue from non-lease customers (1)
Rental revenue from lease customers (2)

Average commercial rental power fleet size – 

in service (3), (4)

Commercial rental utilization – power fleet (3)

2019

2018

2017

2019/2018

2018/2017

(In thousands, except vehicle counts)

$

$

609,840

399,246

$

$

566,612

393,994

$

$

517,874

295,665

8%

1%

9%

33%

Change

36,000
75.0%

32,800
79.2%

29,700
75.6%

10%
(420) bps

10%
360 bps

______________
(1)  Also includes additional vehicles rented to lease customers, incremental to the lease fleet.
(2)  Represents revenue from rental vehicles provided to our existing ChoiceLease customers, generally in place of a lease vehicle.
(3)  Number of units rounded to nearest hundred and calculated using quarterly average unit counts.
(4)  Excluding trailers.

37

 
 
 
 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

Our global fleet of owned and leased revenue earning equipment and SelectCare vehicles, including vehicles under on-

demand maintenance, is summarized as follows (rounded to the nearest hundred):

2019

2018

2017

2019/2018

2018/2017

Change

End of period vehicle count
By type:

Trucks (1)
Tractors (2)
Trailers (3)
Other

Total

By product line:
ChoiceLease
Commercial rental
Service vehicles and other

Held for sale
Total

Active ChoiceLease vehicles

Customer vehicles under SelectCare contracts

Average vehicle count
By product line:
ChoiceLease
Commercial rental
Service vehicles and other

Held for sale

Total

Active ChoiceLease vehicles (4)
Revenue per active ChoiceLease vehicle

Customer vehicles under SelectCare contracts

Customer vehicles under SelectCare on-demand (5)

85,200
82,400
45,400
800
213,800

159,800
41,900
2,700
204,400
9,400
213,800

147,400

55,800

156,600
44,100
2,700
203,400
7,800
211,200

144,300
$21,600

56,300

23,200

81,700
74,000
44,700
1,200
201,600

149,300
42,600
2,800
194,700
6,900
201,600

139,200

56,300

143,100
41,000
3,100
187,200
6,100
193,300

134,400
$21,300

55,600

23,200

76,400
66,000
42,600
1,200
186,200

139,100
37,800
3,300
180,200
6,000
186,200

131,000

54,400

137,600
37,500
3,400
178,500
6,700
185,200

129,300
$20,700

52,100

24,500

Total vehicles serviced

290,700

272,100

261,800

4%
11
2
(33)
6%

7%
(2)
(4)
5
36
6%

6%

(1)%

9%
8
(13)
9
28
9%

7%
1%

1%

—%

7%

7%
12
5
—
8%

7%
13
(15)
8
15
8%

6%

3%

4%
9
(9)
5
(9)
4%

4%
3%

7%

(5)%

4%

__________________ 
(1)  Generally comprised of Class 1 through Class 7 type vehicles with a Gross Vehicle Weight (GVW) up to 33,000 pounds.
(2)  Generally comprised of over the road on highway tractors and are primarily comprised of Class 8 type vehicles with a GVW of over 33,000 pounds.
(3)  Generally comprised of dry, flatbed and refrigerated type trailers.
(4)  Active ChoiceLease vehicles are calculated as those units currently earning revenue and not classified as not yet earning or no longer earning units. 
(5)  Comprised of the number of unique vehicles serviced under on-demand maintenance agreements. This does not represent averages for the periods. 

Vehicles included in the end of period count may have been serviced more than one time during the respective annual period.

Note: Average vehicle counts were computed using a 24-point average based on monthly information.

38

 
 
 
 
  
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

The totals in the previous table include the following non-revenue earning equipment for the global fleet (rounded to the 

nearest hundred): 

Number of Units

Not yet earning revenue (NYE)
No longer earning revenue (NLE):

Units held for sale
Other NLE units
Total NLE

Total

2019
3,500

9,400
8,400
17,800
21,300

 December 31,

2018
4,500

6,900
4,300
11,200
15,700

2017
2,900

6,000
3,400
9,400
12,300

Change

2019/2018
(22)%

2018/2017
55%

36
95
59%
36%

15
26
19%
28%

NYE units represent new vehicles on hand that are being prepared for deployment to a lease customer or into the rental 

fleet. Preparations include activities such as adding lift gates, paint, decals, cargo area and refrigeration equipment. The number 
of NYE units decreased 22% in 2019 reflecting quicker customer fulfillment activities. The number of NYE units increased in 
2018 reflecting lease fleet growth and a significant amount of deliveries close to the end of the year. 

NLE units represent all vehicles held for sale and vehicles for which no revenue has been earned in the previous 30 days. 
Accordingly, these vehicles may be temporarily out of service, being prepared for sale or awaiting redeployment. For 2019, the 
number of NLE units increased 59% reflecting a higher number of vehicles being prepared for sale or redeployment and a 
higher number of contract terminations, as well as higher used vehicle inventories as a result of lower demand. For 2018, the 
number of NLE units increased 19% reflecting higher used vehicle inventories and a higher number of vehicles being prepared 
for sale at the end of the year. We expect NLE units to decrease in 2020 as a result of higher redeployments of used vehicles.

Supply Chain Solutions

Automotive
Technology and healthcare
Consumer product goods and retail
Industrial and other
Subcontracted transportation
Fuel

SCS total revenue

2019

2018

2017

2019/2018

2018/2017

Change

(In thousands, except vehicle counts)

$

693,211
268,305
736,083
182,366
554,678
116,628
$ 2,551,271

$

628,766
329,843
637,244
169,483
521,028
111,780
$ 2,398,144

$

566,302
271,551
511,793
157,902
354,644
75,160
$ 1,937,352

10%
(19)
16
8
6
4
6%

11%
21
25
7
47
49
24%

17%

SCS operating revenue (1)

$ 1,879,965

$ 1,765,336

$ 1,507,548

6%

SCS EBT

$

145,060

$

130,262

$

98,825

SCS EBT as a % of SCS total revenue
SCS EBT as a % of SCS operating revenue(1)

5.7%
7.7%

5.4%
7.4%

5.1%
6.6%

11%
30 bps
30 bps

32%
30 bps
80 bps

Memo:
Average fleet

9,700

8,800

7,900

10%

11%

————————————
(1)  Non-GAAP financial measures. Reconciliations of SCS total revenue to SCS operating revenue and SCS EBT as a % of SCS total revenue to SCS EBT as a 
% of SCS operating revenue, as well as the reasons why management believes these measures are important to investors, are included in the “Non-GAAP 
Financial Measures” section of this MD&A.

SCS total revenue increased 6% to $2.6 billion in 2019 and 24% to $2.4 billion in 2018. SCS operating revenue (a non-
GAAP measure excluding fuel and subcontracted transportation) increased 6% to $1.9 billion in 2019 and 17% to $1.8 billion 
in 2018. We expect favorable operating revenue comparisons to continue next year at a slower growth rate.

39

 
 
 
 
 
 
 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

The following table summarizes the components of the change in revenue on a percentage basis versus the prior year:

Organic, including price and volume
Acquisition
Fuel
Total increase

2019/2018

2018/2017

Total
4%
2
—
6%

Operating (1)
5%
1
—
6%

Total
14%
8
2
24%

Operating (1)
12%
5
—
17%

————————————
(1)  Non-GAAP financial measure. A reconciliation of SCS total revenue to SCS operating revenue, as well as the reasons why management believes this 

measure is important to investors is included in the "Non-GAAP Financial Measures" section of this MD&A. 

2019 versus 2018

SCS total revenue increased 6% and SCS operating revenue increased 6% in 2019 largely reflecting new business and 

higher pricing, as well as the full year results of Ryder Last Mile (formerly MXD), which was acquired in the second quarter of 
2018. SCS EBT increased 11% in 2019 driven by revenue growth and improved operating performance, partially offset by a 
decrease in equipment contribution of $4.8 million (see further discussions on equipment contribution above). We expect 
equipment contribution to be negatively impacted in the future due to the change in the vehicle residual value estimates in the 
third quarter of 2019 for the FMS revenue earning equipment that is utilized in the SCS business. However, we do not expect 
this impact to SCS EBT to be material. 

2018 versus 2017

SCS total revenue increased 24% in 2018 due to increased volumes and new business, the MXD acquisition, as well as 

higher fuel costs passed through to our customers. SCS operating revenue increased 17% primarily reflecting increased 
volumes, the MXD acquisition and new business. SCS EBT increased 32% in 2018 driven by revenue growth and better 
operating results.

Dedicated Transportation Solutions

DTS total revenue

DTS operating revenue (1)

DTS EBT

DTS EBT as a % of DTS total revenue
DTS EBT as a % of DTS operating revenue(1)

Memo:

Average fleet

2019

2018

2017

2019/2018

2018/2017

Change

$ 1,417,483

(In thousands)
$ 1,333,313

$ 1,095,645

6%

$

$

$

$

972,694

81,149

5.7%

8.3%

$

$

870,537

61,236

4.6%

7.0%

789,294

12%

55,346

5.1%

7.0%

33%
110 bps

130 bps

11%
(50) bps

— bps

22%

10%

9,600

8,900

8,200

8%

9%

__________________ 
(1)  Non-GAAP financial measures. Reconciliations of DTS total revenue to DTS operating revenue and DTS EBT as a % of DTS total revenue to DTS EBT as 
a % of DTS operating revenue, as well as the reasons why management believes these measures are important to investors are included in the “Non-
GAAP Financial Measures” section of this MD&A.

DTS total revenue increased 6% to $1.4 billion in 2019 and increased 22% to $1.3 billion in 2018. DTS operating 
revenue (a non-GAAP measure excluding fuel and subcontracted transportation) increased 12% to $973 million in 2019 and 
increased 10% to $871 million in 2018. We expect operating revenue to slightly decline next year, reflecting lower sales activity 
and fewer large deals signed in the second half of 2019. 

40

 
 
 
 
 
 
 
 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

The following table summarizes the components of the change in revenue on a percentage basis versus the prior year:

Organic, including price and volume

Subcontracted transportation
Fuel

Total increase

2019/2018

2018/2017

Total
8%
(1)

(1)
6%

Operating (1)
12%
—

—
12%

Total

19%
—
3
22%

Operating (1)

10%
—
—
10%

  ————————————
(1)  Non-GAAP financial measure. A reconciliation of DTS total revenue to DTS operating revenue, as well as the reasons why management believes this 

measure is important to investors is included in the "Non-GAAP Financial Measures" section of this MD&A. 

2019 versus 2018

DTS total revenue increased 6% and operating revenue increased 12% in 2019 primarily reflecting new business. DTS 
EBT increased 33% due to revenue growth, increased rates, improved operating performance and favorable insurance claim 
developments, partially offset by a decrease in equipment contribution of $8.1 million (see further discussions on equipment 
contribution above). We expect equipment contribution to be negatively impacted in the future due to the change in the vehicle 
residual value estimates in the third quarter of 2019 for the FMS revenue earning equipment that is utilized in the DTS 
business. However, we do not expect this impact to DTS EBT to be material. 

2018 versus 2017

DTS total revenue increased 22% in 2018 reflecting higher operating revenue, as well as higher fuel costs passed through 
to our customers. DTS operating revenue increased 10% due to new business and increased volumes. DTS EBT increased 11% 
due to revenue growth, partially offset by higher costs incurred during the start-up phase of a new customer account.

Central Support Services

Human resources
Finance and procurement
Corporate services and public affairs
Information technology
Legal and safety

Marketing
Other

Total CSS

Allocation of CSS to business segments

Unallocated CSS

2019 versus 2018

2019

2018

2017

2019/2018

2018/2017

Change

21,447
74,382
11,103
98,756
28,626

(In thousands)
20,082
$
70,921
11,583
90,083
25,969

22,356
34,798
291,468
(242,354)
49,114

$

18,287
37,725
274,650
(225,569)
49,081

$

$

$

$

18,947
68,929
12,561
89,453
25,388

16,927
35,788
267,993
(219,734)
48,259

7%
5
(4)
10
10

22
(8)
6
7
—%

6%
3
(8)
1
2

8
5
2
3
2%

Total CSS costs increased 6% to $291 million in 2019 primarily reflecting investments in technology, increased 

marketing efforts and higher compensation-related costs. Unallocated CSS costs remained flat in 2019.

2018 versus 2017

Total CSS costs increased 2% to $275 million in 2018 primarily reflecting higher compensation-related costs. 
Unallocated CSS costs increased 2% to $49 million in 2018 reflecting higher compensation-related costs, partially offset by 
lower professional services costs.

41

 
 
 
 
 
 
 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

FINANCIAL RESOURCES AND LIQUIDITY

Cash Flows

The following is a summary of our cash flows from continuing operations:

Net cash provided by (used in):

Operating activities
Investing activities
Financing activities

Effect of exchange rates on cash

Net change in cash and cash equivalents

Net cash provided by operating activities

Earnings (loss) from continuing operations
Non-cash and other, net
Collections on sales-type leases
Changes in operating assets and liabilities:

Receivables
Accounts payable
Changes in other assets and liabilities

Cash flows from operating activities from continuing

operations

2019 versus 2018

Years ended December 31,

2019

2018

(In thousands)

2017

$

$

$

2,140,539
(3,217,193)
1,084,139
(4,272)
3,213

$

$

$

1,717,993
(2,821,459)
1,085,515
4,694
(13,257) $

1,628,098
(1,438,676)
(162,055)
(5,539)
21,828

Years ended December 31,

2019

2018

2017

(In thousands)

(23,272) $

2,178,662
121,201

$

286,922
1,716,802
82,803

27,149
(26,596)
(136,605)

(193,144)
16,869
(192,259)

720,101
983,981
81,015

(178,861)
66,149
(44,287)

$

2,140,539

$

1,717,993

$

1,628,098

Cash provided by operating activities from continuing operations increased to $2.1 billion in 2019 compared with $1.7 

billion in 2018 reflecting higher cash earnings as well as lower working capital needs. Our working capital needs are primarily 
driven by the timing of collections of our receivables and payments of our trade payables, as well as other changes in operating 
assets and liabilities. The favorable impact in receivables was primarily due to improved collection efforts in our SCS and DTS 
segments. The unfavorable impact from trade payables was due to timing of payments. In addition, the favorable impact from 
changes in other assets and liabilities was driven by lower insurance and income tax payments, partially offset by higher 
payments related to our pension plans in 2019 and higher bonus payments in 2019. Cash used in investing activities increased 
to $3.2 billion in 2019 compared with $2.8 billion in 2018 primarily due to increased capital expenditures for planned vehicle 
purchases, partially offset by higher proceeds from the sale of revenue-earning equipment and operating property and 
equipment. Cash provided by financing activities was $1.1 billion in both 2019 and 2018.

2018 versus 2017

Cash provided by operating activities from continuing operations increased to $1.7 billion in 2018 compared with $1.6 

billion in 2017 reflecting higher cash earnings offset by higher working capital needs. The unfavorable impact from trade 
payables was due to timing of payments. In addition, the unfavorable impact from changes in other assets and liabilities was 
driven by higher tax payments and lower accruals for salaries and wages, partially offset by lower pension payments. Cash used 
in investing activities increased to $2.8 billion in 2018 compared with $1.4 billion in 2017 primarily due to increased capital 
expenditures. Cash provided by financing activities was $1.1 billion in 2018 compared with cash used in financing activities of 
$162 million in 2017 due to higher borrowing needs.

42

 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

The following table shows the components of our free cash flow:

Net cash provided by operating activities
Sales of revenue earning equipment (1)
Sales of operating property and equipment (1)

Total cash generated (2)

Purchases of property and revenue earning equipment (1)

Free cash flow (2)

2019

2018

(In thousands)

$

$

$

2,140,539
465,705
52,276
2,658,520
(3,735,174)
(1,076,654) $

$

1,717,993
379,716
16,606
2,114,315
(3,050,409)

(936,094) $

2017

1,628,098
376,743
52,257
2,057,098
(1,860,436)
196,662

Included in cash flows from investing activities.

———————————
(1) 
(2)  Non-GAAP financial measures. Reconciliations of net cash provided by operating activities to total cash generated and to free cash flow are set forth in 
this table. Refer to the “Non-GAAP Financial Measures” section of this MD&A for the reasons why management believes these measures are important 
to investors.

Free cash flow decreased to $(1.1) billion in 2019 from $(936) million in 2018 primarily due to higher capital 

expenditures, partially offset by higher cash flows from operations in 2019. Free cash flow decreased to $(936) million in 2018 
from $197 million in 2017 primarily due to higher capital expenditures in 2018.

We expect cash provided by operating activities from continuing operations to decrease to approximately $2.1 billion in 
2020 due to earnings growth adjusted for non-cash items, primarily depreciation. We expect 2020 free cash flow to increase to 
approximately $350 million reflecting lower capital spending for the lease and rental vehicle fleets.

Capital expenditures generally represent the purchase of revenue earning equipment (trucks, tractors and trailers) within 

our FMS segment. These expenditures primarily support the ChoiceLease and commercial rental product lines. The level of 
capital required to support the ChoiceLease product line varies based on customer contract signings for replacement vehicles 
and growth. These contracts are long-term agreements that result in predictable cash flows typically over three to seven years 
for trucks and tractors and ten years for trailers. We utilize capital for the purchase of vehicles in our commercial rental product 
line to replenish and expand the fleet available for shorter-term use by contractual or occasional customers. Operating property 
and equipment expenditures primarily relate to spending on items such as vehicle maintenance facilities and equipment, 
computer and telecommunications equipment, investments in technologies, and warehouse facilities and equipment.

The following is a summary of capital expenditures:

Revenue earning equipment:

ChoiceLease
Commercial rental

Operating property and equipment
Total capital expenditures (1)

2019

2018

(In thousands)

2017

$

$

2,871,043
556,560
3,427,603
192,820
3,620,423

$

2,206,500
796,617
3,003,117
162,154
3,165,271

1,456,758
351,707
1,808,465
132,752
1,941,217

Changes in accounts payable related to purchases of revenue earning

equipment

Cash paid for purchases of property and revenue earning equipment

$

114,751
(3,735,174) $

(114,862)
(3,050,409) $

(80,781)
(1,860,436)

_____________ 
(1)  Non-cash additions exclude approximately $22 million, $15 million and $23 million in 2019, 2018 and 2017, respectively, in assets held under finance 

leases resulting from new or the extension of existing finance leases and other additions. 

Capital expenditures increased to $3.6 billion in 2019 reflecting planned higher investments in the ChoiceLease fleet. 

Capital expenditures increased to $3.2 billion in 2018 reflecting planned higher investments in the ChoiceLease and 
commercial rental fleets. We expect capital expenditures to decrease to approximately $2.1 billion in 2020 primarily due to 
lower growth in our lease and rental vehicle fleets. We expect to fund 2020 capital expenditures primarily with additional debt 
financing.

43

 
 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

Financing and Other Funding Transactions

We utilize external capital primarily to support working capital needs and growth in our asset-based product lines. The 

variety of financing alternatives typically available to fund our capital needs include commercial paper, long-term and medium-
term public and private debt, asset-backed securities, bank term loans, leasing arrangements, and bank credit facilities. Our 
principal sources of financing are issuances of unsecured commercial paper and medium-term notes.

Cash and equivalents totaled $74 million as of December 31, 2019. As of December 31, 2019, approximately $21 million 

was held outside the U.S. and is available to fund operations and other growth of non-U.S. subsidiaries. If we decide to 
repatriate cash and equivalents held outside the U.S., we may be subject to additional income and withholding taxes. However, 
our intent is to permanently reinvest these foreign amounts outside the U.S. and our current plans do not demonstrate a need to 
repatriate these foreign amounts to fund our U.S. operations.

We believe that our operating cash flows, together with our access to the public unsecured bond market, commercial 

paper market and other available debt financing, will be adequate to meet our operating, investing and financing needs in the 
foreseeable future. However, there can be no assurance that unanticipated volatility and disruption in the public unsecured bond 
market or the commercial paper market would not impair our ability to access these markets on terms commercially acceptable 
to us or at all. If we cease to have access to public bonds, commercial paper and other sources of unsecured borrowings, we 
would meet our liquidity needs by drawing upon contractually committed lending agreements and/or by seeking other funding 
sources.

Our ability to access unsecured debt in the capital markets is impacted by both our short-term and long-term debt ratings. 

These ratings are intended to provide guidance to fixed income investors in determining the credit risk associated with 
particular Ryder securities based on current information obtained by the rating agencies from us or from other sources. Lower 
ratings generally result in higher borrowing costs, as well as reduced access to unsecured capital markets. A significant 
downgrade of our short-term debt ratings would impair our ability to issue commercial paper and likely require us to rely on 
alternative funding sources. A significant downgrade would not affect our ability to borrow amounts under our revolving credit 
facility described below, assuming ongoing compliance with the terms and conditions of the credit facility. 

Our debt ratings and rating outlooks at December 31, 2019 were as follows:

Fitch Ratings

Standard & Poor’s Ratings Services
Moody’s Investors Service
DBRS

Rating Summary

Short-term

F2
A2
P2
R-1 (Low)

Long-term

A-
BBB
Baa1
A (Low)

Outlook

Stable
Stable
Stable
Stable

At December 31, 2019, we had the following amounts available to fund operations:

Global revolving credit facility
Trade receivables program

(In millions)
$744
$225

In accordance with our funding philosophy, we attempt to align the aggregate average remaining re-pricing life of our 

debt with the aggregate average remaining re-pricing life of our vehicle assets. We utilize both fixed-rate and variable-rate debt 
to achieve this alignment and generally target a mix of 20% - 40% variable-rate debt as a percentage of total debt outstanding. 
The variable-rate portion of our total debt (including notional value of swap agreements) was 17% and 28% at December 31, 
2019 and 2018, respectively.

Refer to Note 14 , "Debt" in the Notes to the Consolidated Financial Statements for further discussion around the global 

revolving credit facility, the trade receivables program, the issuance of medium-term notes under our shelf registration 
statement, asset-backed financing obligations and debt maturities. 

Our debt to equity ratios were 320% and 262% at December 31, 2019 and 2018, respectively. The debt to equity ratio 

represents total debt divided by total equity. The increase in our debt to equity ratio reflects higher debt and a decrease in our 
equity balance due to the net loss in 2019.

Off-Balance Sheet Arrangements

Guarantees. Refer to Note 15, “Guarantees,” in the Notes to Consolidated Financial Statements for a discussion of our 

agreements involving guarantees. 

44

  
  
  
  
  
  
 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

Contractual Obligations and Commitments

As part of our ongoing operations, we enter into arrangements that obligate us to make future payments under contracts 

such as debt agreements, lease agreements and unconditional purchase obligations. The following table summarizes our 
expected future contractual cash obligations and commitments at December 31, 2019: 

Debt (1)
Finance lease obligations

Total debt, including finance leases

Interest on debt (2)
Operating leases (3)
Purchase obligations (4)

Total contractual cash obligations
Insurance obligations (primarily self-

insurance)

Other long-term liabilities (5), (6), (7)

Total

Total

2020

2021-2022

2023-2024

Thereafter

(In thousands)

$

7,898,484
61,155
7,959,639
707,704
243,516
533,621
1,484,841

$

1,322,055
14,663
1,336,718
208,165
79,345
486,979
774,489

$

2,378,765
22,390
2,401,155
320,308
100,496
34,822
455,626

$

3,441,759
11,541
3,453,300
141,846
45,220
10,865
197,931

438,371
72,106
9,954,957

$

152,533
3,162
2,266,902

$

141,501
5,035
3,003,317

$

61,101
5,842
3,718,174

$

$

$

755,905
12,561
768,466
37,385
18,455
955
56,795

83,236
58,067
966,564

____________ 
(1)  Net of unamortized discount and excludes the fair market value adjustment on notes subject to hedging.
(2)  Total debt matures at various dates through fiscal year 2026 and bears interest principally at fixed rates. Interest on variable-rate debt is calculated 
based on the applicable rate as of December 31, 2019. Amounts are based on existing debt obligations and do not consider potential refinancing of 
expiring debt obligations.

(3)  Represents future lease payments associated with vehicles, equipment and properties under operating leases. Amounts are based upon the general 

assumption that the leased asset will remain on lease for the length of time specified by the respective lease agreements. No effect has been given to 
renewals, cancellations, contingent rentals or future rate changes.

(4)  The majority of our purchase obligations are pay-as-you-go transactions made in the ordinary course of business. Purchase obligations include 

agreements to purchase goods or services that are legally binding and that specify all significant terms, including: fixed or minimum quantities to be 
purchased; fixed minimum or variable price provisions; and the approximate timing of the transaction. The most significant item included in the above 
table are purchase obligations related to vehicles. Purchase orders made in the ordinary course of business that are cancelable are excluded from the 
above table. Any amounts for which we are liable under purchase orders for goods received are reflected in the Consolidated Balance Sheets as 
“Accounts payable” and “Accrued expenses and other current liabilities” and are excluded from the above table.

(5)  Represents other long-term liabilities reflected in our Consolidated Balance Sheets that have known payment streams. The most significant items 

included were asset retirement obligations and deferred compensation obligations.

(6)  The amounts exclude our estimated pension contributions. For 2020, our pension contributions, including our minimum funding requirements as set forth 

by U.S. and international regulations and legislation (including ERISA), are expected to be $37 million. Our minimum funding requirements after 2020 
are dependent on several factors. However, we estimate that the undiscounted required global contributions over the next five years are approximately 
$276 million (pre-tax) (assuming expected long-term rate of return realized and other assumptions remain unchanged). We also have payments due under 
our other postretirement benefit (OPEB) plans. These plans are not required to be funded in advance, but are pay-as-you-go. See Note 20,“Employee 
Benefit Plans,” in the Notes to Consolidated Financial Statements for further discussion.

(7)  The amounts exclude $54 million of liabilities associated with uncertain tax positions as we are unable to reasonably estimate the ultimate amount or 

timing of settlement. See Note 12, “Income Taxes,” in the Notes to Consolidated Financial Statements for further discussion.

45

 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

Pension Information

We have defined benefit retirement plans which are frozen for non-grandfathered and certain non-union employees in the 

U.S., Canada and the United Kingdom. The funded status of our pension plans is dependent upon many factors, including 
returns on invested assets and the level of certain market interest rates. We review pension assumptions regularly and we may 
from time to time make voluntary contributions to our pension plans, which exceed the amounts required by statute. During 
2019, total global pension contributions were $72 million compared with $28 million in 2018 and $41 million in 2017. We 
estimate 2020 required pension contributions will be $37 million. The present value of estimated global pension contributions 
that would be required over the next 5 years totals approximately $254 million (pre-tax). Changes in interest rates and the 
market value of the securities held by the plans could materially change, positively or negatively, the funded status of the plans 
and affect the level of pension expense and required contributions in future years. The ultimate amount of contributions is also 
dependent upon the requirements of applicable laws and regulations. See Note 20, “Employee Benefit Plans,” in the Notes to 
Consolidated Financial Statements for additional information.

Due to the underfunded status of our defined benefit plans, we had an accumulated net pension equity charge (after-tax) of 

$667 million and $712 million as of December 31, 2019 and 2018, respectively. The improvement in funded status reflects the 
benefit of asset returns of 19% in 2019, partially offset by a decrease in discount rates. 

Pension expense was $82 million, $30 million, and $57 million in 2019, 2018 and 2017, respectively. The increase in 

pension expense was due to a pension settlement charge of $32 million related to employee benefit settlements from the U.S. 
pension plan in 2019 and unfavorable asset returns in 2018, partially offset by higher interest rates. We expect 2020 pension 
expense to decrease approximately $54 million as a result of the non-recurring settlement charges in 2019, as well as favorable 
asset returns in 2019 and a decrease in interest rates. Our 2020 pension expense estimates are subject to change based upon the 
completion of the actuarial analysis for all pension plans. See the “Critical Accounting Estimates — Pension Plans” section for 
further discussion on pension accounting estimates.

We participate in certain U.S. multi-employer pension (MEP) plans that provide defined benefits to employees covered 

by collective bargaining agreements. At December 31, 2019, approximately 1,100 employees (approximately 3% of total 
employees) participated in these MEP plans. The annual net pension cost of the MEP plans is equal to the annual contribution 
determined in accordance with the provisions of negotiated labor contracts. Our MEP plan contributions in 2019 was $11 
million. Pursuant to current U.S. pension laws, if any MEP plans fail to meet certain minimum funding thresholds, we could be 
required to make additional MEP plan contributions, until the respective labor agreement expires, of up to 10% of current 
contractual requirements. Several factors could cause MEP plans not to meet these minimum funding thresholds, including 
unfavorable investment performance, changes in participant demographics, and increased benefits to participants. The plan 
administrators and trustees of the MEP plans provide us with the annual funding notice as required by law. This notice sets forth 
the funded status of the plan as of the beginning of the prior year but does not provide any company-specific information.

Employers participating in MEP plans can elect to withdraw from the plans, contingent upon certain requirements, and be 

subject to a withdrawal obligation based on, among other factors, the MEP plan’s unfunded vested benefits. U.S. pension 
regulations provide that an employer can fund its withdrawal obligation in a lump sum or over a time period of up to 20 years 
based on previous contribution rates. During 2017, we recorded estimated pension settlement charges of $5 million related to 
our exit from a U.S. multi-employer pension plan. These charges were recorded within "Selling, general and administrative 
expenses" in our Consolidated Statement of Earnings and included in the Union-administered plans expense. See Note 20, 
“Employee Benefit Plans,” in the Notes to Consolidated Financial Statements for additional information.

Share Repurchase Programs and Cash Dividends

Refer to Note 16, “Share Repurchase Programs,” in the Notes to Consolidated Financial Statements for a discussion on 

our share repurchase programs.

Cash dividend payments to shareholders of common stock were $116 million in 2019, $112 million in 2018, and $96 

million in 2017. During 2019, we increased our annualized dividend rate 4% to $2.24 per share of common stock. 

46

ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

Market Risk

In the normal course of business, we are exposed to fluctuations in interest rates, foreign currency exchange rates and fuel 

prices. We manage these exposures in several ways, including, in certain circumstances, the use of a variety of derivative 
financial instruments when deemed prudent. We do not enter into leveraged derivative financial transactions or use derivative 
financial instruments for trading purposes.

Exposure to market risk for changes in interest rates exists for our debt obligations. Our interest rate risk management 

program objectives are to limit the impact of interest rate changes on earnings and cash flows and to lower overall borrowing 
costs. A hypothetical 10% change in short-term market interest rates would change annual pre-tax earnings by approximately 
$12 million. We manage our exposure to interest rate risk primarily through the proportion of fixed-rate and variable-rate debt 
we hold in the total debt portfolio. From time to time, we also use interest rate swap agreements to manage our fixed-rate and 
variable-rate exposure and to better match the repricing of debt instruments to that of our portfolio of assets. The fair value of 
derivatives was not material as of December 31, 2019.

At December 31, 2019, we had $5.7 billion of fixed-rate debt outstanding (excluding finance leases and U.S. asset- 
backed securities) with a weighted-average interest rate of 3.18% and a fair value of $5.6 billion. A hypothetical 10% decrease 
or increase in the December 31, 2019 market interest rates would impact the fair value of our fixed-rate debt by approximately 
$47 million at December 31, 2019. Changes in the relative sensitivity of the fair value of our financial instrument portfolio for 
these theoretical changes in the level of interest rates are primarily driven by changes in our debt maturities, interest rate profile 
and amount.

At December 31, 2019, we had $1.4 billion of variable-rate debt, including $525 million of fixed-rate debt instruments 
swapped to LIBOR-based floating-rate debt. Changes in the fair value of the interest rate swaps were offset by changes in the 
fair value of the debt instruments and no net gain or loss was recognized in earnings. The fair value of our variable-rate debt at 
December 31, 2019 was $1.4 billion. A hypothetical 10% increase in market interest rates would have impacted 2019 pre-tax 
earnings from continuing operations by approximately $3 million.

We are also subject to interest rate risk with respect to our pension and postretirement benefit obligations, as changes in 

interest rates will effectively increase or decrease our liabilities associated with these benefit plans, which also results in 
changes to the amount of pension and postretirement benefit expense recognized each period.

Exposure to market risk for changes in foreign currency exchange rates relates primarily to our foreign operations’ 
buying, selling and financing in currencies other than local currencies and to the carrying value of net investments in foreign 
subsidiaries. The majority of our transactions are denominated in U.S. dollars. The principal foreign currency exchange rate 
risks to which we are exposed include the Canadian dollar, British pound sterling and Mexican peso. We manage our exposure 
to foreign currency exchange rate risk related to our foreign operations’ buying, selling and financing in currencies other than 
local currencies by naturally offsetting assets and liabilities not denominated in local currencies to the extent possible. A 
hypothetical uniform 10% strengthening in the value of the dollar relative to all the currencies in which our transactions are 
denominated would not materially impact results of operations. We also use foreign currency option contracts and forward 
agreements from time to time to hedge foreign currency transactional exposure. We generally do not hedge the foreign currency 
exposure related to our net investment in foreign subsidiaries, since we have no near-term intent to repatriate funds from such 
subsidiaries.

Exposure to market risk for fluctuations in fuel prices relates to a small portion of our service contracts for which the cost 

of fuel is integral to service delivery and the service contract does not have a mechanism to adjust for increases in fuel prices. 
At December 31, 2019, we also had various fuel purchase arrangements in place to ensure delivery of fuel at market rates in the 
event of fuel shortages. We are exposed to fluctuations in fuel prices in these arrangements since none of the arrangements fix 
the price of fuel to be purchased. Changes in the price of fuel are generally passed on to our customers for which we realize 
minimal changes in profitability during periods of steady market fuel prices. However, profitability may be positively or 
negatively impacted by sudden increases or decreases in market fuel prices during a short period of time as customer pricing for 
fuel services is established based on trailing market fuel costs. We believe the exposure to fuel price fluctuations would not 
materially impact our results of operations, cash flows or financial position.

ENVIRONMENTAL MATTERS

Refer to Note 21, “Environmental Matters,” in the Notes to Consolidated Financial Statements for a discussion 

surrounding environmental matters. 

47

ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

CRITICAL ACCOUNTING ESTIMATES

The preparation of financial statements in conformity with U.S. GAAP requires us to make estimates and assumptions. 
Our significant accounting policies are described in the Notes to Consolidated Financial Statements. Certain of these policies 
require the application of subjective or complex judgments, often as a result of the need to make estimates about the effect of 
matters that are inherently uncertain. These estimates and assumptions are based on historical experience, changes in the 
business environment and other factors that we believe to be reasonable under the circumstances. Different estimates that could 
have been applied in the current period or changes in the accounting estimates that are reasonably likely can result in a material 
impact on our financial condition and operating results in the current and future periods. We review the development, selection 
and disclosure of these critical accounting estimates with Ryder’s Audit Committee on an annual basis.

The following discussion, which should be read in conjunction with the descriptions in the Notes to Consolidated 
Financial Statements, is furnished for additional insight into certain accounting estimates that we consider to be critical.

Depreciation and Residual Value Estimates. We periodically review and adjust, as appropriate, the estimated residual 
values and useful lives of revenue earning equipment for the purposes of recording depreciation expense as described in Note 7, 
“Revenue Earning Equipment, Net" in the Notes to Consolidated Financial Statements. 

Our review of the estimated residual values (i.e., the price at which we ultimately expect to dispose of revenue earning 

equipment) and useful lives of revenue earning equipment is established with a long-term view based on vehicle class, 
generally subcategories of trucks, tractors and trailers by weight and usage, as well as other factors. We refer to this long-term 
view as "policy depreciation." These other factors include, but are not limited to, historical market prices, current and expected 
future market prices, expected lives of vehicles, and expected sales of used vehicles in the wholesale and retail markets. 
Reductions in estimated residual values or useful lives will result in an increase in depreciation expense over the remaining life 
of the equipment. Factors that could cause actual results to materially differ from estimates include, but are not limited to, 
changes in technology; changes in supply and demand; competitor pricing; regulatory requirements; driver shortages, 
requirements and preferences; and changes in underlying assumption factors. As a result, future depreciation expense rates are 
subject to change based upon changes in these factors. While we believe that the carrying values and estimated sales proceeds 
for revenue earning equipment are appropriate, there can be no assurance that deterioration in economic conditions or adverse 
changes to expectations of future sales proceeds will not occur, resulting in lower gains or losses on sales. We have disciplines 
related to the management and maintenance of our vehicles designed to manage the risk associated with the residual values of 
our revenue earning equipment.

At the end of the second quarter of 2019, we began to experience softening in used vehicle market conditions, which 
intensified during the third quarter of 2019 and we now expect to continue throughout 2020. In addition, our inventory of used 
vehicles that is expected to be made available for sale was higher than expected, which has and will impact the volume of used 
vehicle sales expected to be sold through our wholesale channels. Due to these dynamics and our updated outlook, we 
concluded that our residual value estimates likely exceeded the expected future values that would be realized upon the sale of 
power vehicles in our fleet. As a result, we changed the estimates of our residual values for our revenue earning equipment in 
the third quarter of 2019 to reflect more recent multi-year trends and our outlook for the expected used vehicle market. In 2019, 
the impact to policy depreciation and accelerated depreciation related to the change in the residual value estimates that occurred 
in the third quarter of 2019 was $104 million and $193 million, respectively.

Each year, we complete a review of the estimated residual values and useful lives of revenue earning equipment. Based 
on the results of our analysis, we adjust the estimated residual values and useful lives of certain classes of our revenue earning 
equipment each year. The approximate unfavorable incremental impact on the annual depreciation expense resulting from the 
residual value and useful life reviews was as follows:

Policy depreciation

2020
$205 million

2019

$134 million

2018

$40 million

The impact of policy depreciation in 2019 included the vehicle residual values estimate change that occurred in the third 

quarter of 2019, as well as $30 million of depreciation expense related to the policy depreciation estimate change effective 
January 1, 2019. 

48

ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

In addition, we also monitor market trends throughout the year and assess estimates of residual values of vehicles 
expected to be made available for sale in the near-term (generally 12 to 24 months) and may adjust residual values for these 
vehicles to reflect current market rates, which we refer to as “accelerated depreciation.” Following the completion of our review 
in the third quarter of 2019, the near-term forecast for realized residual values on used vehicle sales was below our estimates of 
residual value as discussed above. As a result, we adjusted the estimated residual values for these vehicles and increased 
accelerated depreciation expense for these vehicles beginning in the third quarter of 2019. The approximate unfavorable 
incremental impact on annual depreciation expense resulting from accelerated depreciation was as follows:

Accelerated depreciation

2020
$70 million

2019

$223 million

2018

$39 million

Depreciation expense was $1.9 billion, $1.4 billion and $1.3 billion in 2019, 2018 and 2017, respectively. Depreciation 

expense relates primarily to FMS revenue earning equipment. Depreciation expense increased in 2019 driven by the change in 
estimated residual values in the third quarter of 2019 as discussed above. Depreciation expense increased in 2018 driven by 
larger average lease and commercial rental fleets and accelerated depreciation on vehicles expected to be made available for 
sale through June 2020 of $9 million.

The impact of the estimate change in 2019 as a percentage of our original vehicle investment (cost) of our revenue 

earning equipment was approximately 5% at December 31, 2019.

Based on our fleet of revenue earning equipment as of December 31, 2019, a hypothetical additional 10% reduction in 

estimated residual values used for policy depreciation would increase depreciation expense in 2020 by approximately $111 
million and would increase depreciation expense over the remaining life of these vehicles beyond 2020 by approximately $222 
million.

Revenue Recognition. We generate revenue primarily through contracts with customers to lease, rent and maintain 
revenue earning equipment and to provide logistics management and dedicated transportation services. We enter into contracts 
that can include various combinations of products and services, which are generally capable of being distinct and accounted for 
as separate performance obligations. We account for a contract when it has approval and commitment from both parties, the 
rights of the parties are identified, payment terms are identified, the contract has commercial substance and collectibility of 
consideration is probable. We recognize revenue upon the transfer of control of promised products and services to customers in 
an amount that reflects the consideration we expect to receive in exchange for those products or services. We generally 
recognize revenue over time as we perform because of continuous transfer of control to our customers. 

We offer a full service lease as well as a lease with more flexible maintenance options under our ChoiceLease product 
line in our FMS business segment, which are marketed, priced and managed as bundled products, that include the equipment 
lease, maintenance and other related services. We do not offer a stand-alone lease of new vehicles. Our ChoiceLease 
product line includes the lease of a vehicle (lease component) and maintenance and other services (non-lease component). 
Contract consideration is allocated between the lease and non-lease components based on management's best estimate of the 
relative stand-alone selling price of each component. Allocating consideration between the lease and maintenance components 
in our ChoiceLease product requires significant judgment. We do not sell the components of our ChoiceLease product offering 
on a stand-alone basis, therefore significant judgment is required to determine the stand-alone selling prices of the lease 
and maintenance components in order to allocate the consideration on a relative stand-alone selling price basis.

For the lease component, we estimate the stand-alone selling price using the projected cash outflows related to the 
underlying leased vehicle, net of the estimated disposal proceeds, and a certain targeted return considering the weighted average 
cost of capital. For the non-lease component of the contract, we estimate the stand-alone selling price of the maintenance 
component using an expected cost-plus margin approach. The expected costs are based on our historical costs of providing 
maintenance services in our ChoiceLease arrangements. The margin is based on the historical margin percentages for our full 
service maintenance contracts in the SelectCare product line, as the maintenance performance obligation in those contracts is 
similar to maintenance in our ChoiceLease arrangements. Full service maintenance arrangements in SelectCare are priced based 
on targeted margin percentages for new and used vehicles by type of vehicle (trucks, tractors, and trailers), considering the 
fixed and variable costs of providing maintenance services. 

We recognize maintenance revenue using an input method, consistent with the estimated pattern of the costs to maintain 

the underlying vehicles. This generally results in the recognition of a contract liability for the portion of the customer's bill 
allocated to the maintenance service component of the agreement. The non-lease revenue component for maintenance included 
in lease & related maintenance and rental revenues was $950 million, $909 million and $832 million in 2019, 2018 and 2017, 
respectively.

49

ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

The stand-alone price for both the lease and non-lease components could vary in the future based on both external market 

conditions and our pricing strategies as a result of the market conditions. 

Pension Plans. We apply actuarial methods to determine the annual net periodic pension expense and pension plan 
liabilities on an annual basis, or on an interim basis if there is an event requiring remeasurement. Each December, we review 
actual experience compared with the assumptions used and make adjustments to our assumptions, if warranted. In determining 
our annual estimate of periodic pension cost, we are required to make an evaluation of critical factors such as discount rate, 
expected long-term rate of return on assets, expected increase in compensation levels, retirement rate and mortality. Discount 
rates are based upon a duration analysis of expected benefit payments and the equivalent average yield for high quality 
corporate fixed income investments as of our December 31 annual measurement date. In order to estimate the discount rate 
relevant to our plan, we use models that match projected benefits payments of our primary U.S. plan to coupons and maturities 
from a hypothetical portfolio of high quality corporate bonds. Long-term rate of return assumptions are based on a review of 
our asset allocation strategy and long-term expected asset returns. Investment management and other fees paid using plan assets 
are factored into the determination of asset return assumptions. 

Assumptions as to mortality of the participants in our pension plan is a key estimate in measuring the expected payments 

participants may receive over their lifetime, and therefore the amount of expense we will recognize. We update our mortality 
assumptions as deemed necessary by taking into consideration relevant actuarial studies as they become available as well as 
reassessing our own historical experience. 

As part of our strategy to manage future pension costs and net funded status volatility, we regularly assess our pension 
investment strategy. Our U.S. pension investment policy and strategy seek to reduce the effects of future volatility on the fair 
value of our pension assets relative to our pension liabilities by increasing our allocation of high quality, longer-term fixed 
income securities and reducing our allocation of equity investments as the funded status of the plan improves. The composition 
of our pension assets was 45% equity securities and alternative assets and 55% debt securities and other investments as of 
December 31, 2019. We continually evaluate our mix of investments between equity and fixed income securities and adjust the 
composition of our pension assets when appropriate. In 2020, we adjusted our long-term expected rate of return assumption for 
our primary U.S. plan to 5.10% from 5.40% based on our expected asset mix.

Accounting guidance applicable to pension plans does not require immediate recognition of the effects of a deviation 

between these assumptions and actual experience or the revision of an estimate. This approach allows the favorable and 
unfavorable effects that fall within an acceptable range to be netted and included in “Accumulated other comprehensive loss.” 
We had a pre-tax accumulated actuarial loss of $870 million and $930 million as of December 31, 2019 and 2018, respectively. 
To the extent the amount of cumulative actuarial gains and losses exceed 10% of the greater of the benefit obligation or plan 
assets, the excess amount is amortized over the average remaining life expectancy of active participants or the remaining life 
expectancy of inactive participants if all or almost all of a plan’s participants are inactive. As of December 31, 2019, the amount 
of the actuarial loss subject to amortization in 2020 and future years is $637 million. We expect to recognize approximately $32 
million of the net actuarial loss as a component of pension expense in 2020. The effect on years beyond 2020 will depend 
substantially upon the actual experience of our plans in future years.

Disclosure of the significant assumptions used in arriving at the 2019 net pension expense is presented in Note 20, 
“Employee Benefit Plans,” in the Notes to Consolidated Financial Statements. A sensitivity analysis of net pension expense to 
changes in key underlying assumptions for our primary plan, the U.S. pension plan, is presented below:

Expected long-term rate of return on assets
Discount rate

Assumed Rate
5.10%
3.30%

Change
+/- 0.25
+/- 0.25

Impact on 2020 Net
Pension Expense
+/- $3.5 million
N/M

Effect on
December 31, 2019
Projected Benefit
Obligation
N/A
+/- $54 million

50

 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

Self-Insurance Accruals. Self-insurance accruals were $411 million and $358 million as of December 31, 2019 and 2018, 

respectively. The majority of our self-insurance relates to vehicle liability and workers’ compensation. We use a variety of 
statistical and actuarial methods that are widely used and accepted in the insurance industry to estimate amounts for claims that 
have been reported but not paid and claims incurred but not reported. In applying these methods and assessing their results, we 
consider such factors as frequency and severity of claims, claim development and payment patterns, and changes in the nature 
of our business, among other factors. Such factors are analyzed for each of our business segments. Our estimates may be 
impacted by such factors as increases in the market price for medical services, unpredictability of the size of jury awards and 
limitations inherent in the estimation process. During 2019, 2018, and 2017, we recognized a charge of $18 million, a charge of 
$1 million, and a benefit of $9 million, respectively, from the development of estimated prior years’ self-insured loss reserves. 
Based on self-insurance accruals at December 31, 2019, a 5% adverse change in actuarial claim loss estimates would increase 
operating expense in 2020 by approximately $19 million. 

Goodwill Impairment. We assess goodwill for impairment, as described in Note 1, “Summary of Significant Accounting 

Policies — Goodwill and Other Intangible Assets,” in the Notes to Consolidated Financial Statements, on an annual basis or 
more often if deemed necessary. As of December 31, 2019, total goodwill was $475 million. To determine whether goodwill is 
impaired, we are required to assess the fair value of each reporting unit and compare it to its carrying value. A reporting unit is a 
component of an operating segment for which discrete financial information is available and management regularly reviews its 
operating performance. 

We assess goodwill for impairment on October 1st of each year or more often if deemed necessary. In evaluating goodwill 

for impairment, we have the option to first assess qualitative factors to determine whether further impairment testing is 
necessary, such as macroeconomic conditions, changes in our industry and the markets in which we operate, and our market 
capitalization as well as our reporting units' historical and expected future financial performance. If we conclude that it is more 
likely than not that a reporting unit's fair value is less than its carrying value or we bypass the optional qualitative assessment, 
recoverability is assessed by comparing the fair value of the reporting unit with its carrying amount. If a reporting unit's 
carrying value exceeds its fair value, we will measure any goodwill impairment losses as the amount by which the carrying 
amount of a reporting unit exceeds its fair value, not to exceed the total amount of goodwill allocated to that reporting unit.

For quantitative tests, we estimated the fair value of the reporting units using a combination of both an income and 
market approach. We perform our quantitative impairment test with the assistance of a third-party specialist. Under the market 
approach, we use a selection of comparable publicly-traded companies that correspond to the reporting unit to derive a market-
based multiple. Under the income approach, the fair value of the reporting unit is estimated based on the discounted present 
value of the projected future cash flows. Rates used to discount cash flows are dependent upon interest rates and the cost of 
capital based on our industry and capital structure, adjusted for equity and size risk premiums based on market capitalization. 
Estimates of future cash flows are dependent on our knowledge and experience about past and current events and significant 
judgments and assumptions about conditions we expect to exist, including revenue growth rates, margins, long-term growth 
rates, capital requirements, proceeds from the sale of used vehicles, the ability to utilize our tax net operating losses, and the 
discount rate. Our estimates of cash flows are also based on historical and future operating performance, economic conditions 
and actions we expect to take. In addition to these factors, our SCS and DTS reporting units are dependent on several key 
customers or industry sectors. The loss of a key customer may have a significant impact to our SCS or DTS reporting units, 
causing us to assess whether or not the event resulted in a goodwill impairment loss.

In making our assessments of fair value, we rely on our knowledge and experience about past and current events and 

assumptions about conditions we expect to exist in the future. These assumptions are based on a number of factors, including 
future operating performance, economic conditions, actions we expect to take and present value techniques. There are inherent 
uncertainties related to these factors and management’s judgment in applying them to the analysis of goodwill impairment. It is 
possible that assumptions underlying the impairment analysis will change in such a manner that impairment in value may occur 
in the future. We conduct additional sensitivity analyses to assess the risk for potential impairment based upon changes in the 
key assumptions in our goodwill valuation test, including long-term growth rates and discount rates. 

In the third quarter of 2019, we performed an interim impairment test of our FMS North America reporting unit (“FMS 

NA”) as a result of the decline in market conditions and our updated outlook primarily in the used vehicle market, which 
negatively affects our forecasted cash flows from the sale of used vehicles. Based on our analysis, we determined that FMS NA 
goodwill was not impaired as of September 30, 2019. However, the fair value of FMS NA was not substantially in excess of its 
carrying amount. The estimated fair value of the FMS NA reporting unit exceeded its carrying value by approximately 5%. 

As a result of a revised forecast and outlook for the FMS NA reporting unit as of December 31, 2019, we performed an 

additional impairment test. Based on our analysis, we determined that FMS NA goodwill was not impaired as of December 31, 
2019. However, the fair value of FMS NA was not substantially in excess of its carrying amount. The estimated fair value of the 
FMS NA reporting unit exceeded its carrying value by approximately 15% as of December 31, 2019. 

51

ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

The increase in the estimated fair value of FMS NA in excess of its carrying value as compared to September 30, 2019 is 

due to improved estimated future cash flows from management actions which moderate future ChoiceLease growth 
assumptions, lower expected future capital expenditures and improve future profit margins. As of December 31, 2019, there 
was $244 million of goodwill recorded related to FMS NA. 

As the fair value is not substantially in excess of its carrying amount, in the event the financial performance of FMS NA 
does not meet our expectations in the future; we experience future prolonged market downturns, including in the used vehicle 
market or a sustained decline in our stock price; or other negative revisions to key assumptions, we may be required to perform 
additional impairment analyses and could be required to recognize a non-cash goodwill impairment charge. Subsequent to 
December 31, 2019, we experienced a decline in our market capitalization and if this decline continues for a sustained period of 
time, we may also be required to perform additional impairment analyses and could be required to recognize a non-cash 
goodwill impairment charge. 

On October 1, 2019, we completed our annual goodwill impairment test for our SCS and DTS related reporting units and 

determined there was no impairments.

Income Taxes. Our overall tax position is complex and requires careful analysis by management to estimate the expected 

realization of income tax assets and liabilities.

Tax regulations can require items to be included in the tax return at different times than the items are reflected in the 
financial statements. As a result, the effective tax rate reflected in the financial statements can be different than that reported in 
the tax return. Timing differences create deferred tax assets and liabilities. Deferred tax assets generally represent items that can 
be used as a tax deduction or credit in the tax return in future years, for which we have already recognized the tax benefit in the 
financial statements. Deferred tax assets were $1.0 billion and $799 million as of December 31, 2019 and 2018, respectively. 
We recognize a valuation allowance for deferred tax assets to reduce such assets to amounts expected to be realized. As of 
December 31, 2019 and 2018, the deferred tax valuation allowance, principally attributed to tax loss carryforwards, was $18 
million and $16 million, respectively. In determining the required level of valuation allowance, we consider whether it is more 
likely than not that all or some portion of deferred tax assets will not be realized. This assessment is based on management’s 
expectations as to whether sufficient taxable income of an appropriate character will be realized within tax carryback and 
carryforward periods. Our assessment involves estimates and assumptions about matters that are inherently uncertain, and 
unanticipated events or circumstances could cause actual results to differ from these estimates. Should we change our estimate 
of the amount of deferred tax assets that we would be able to realize, an adjustment to the valuation allowance would result in 
an increase or decrease to the provision for income taxes in the period such a change in estimate was made.

As part of our calculation of the provision for income taxes, we determine whether the benefits of our tax positions are at 
least more likely than not of being sustained upon audit based on the technical merits of the tax position. We accrue the largest 
amount of the benefit that has a cumulative probability of greater than 50% of being sustained. These accruals require 
management to make estimates and judgments with respect to the ultimate outcome of a tax audit. Actual results could vary 
materially from these estimates. 

A number of years may elapse before a particular matter for which we have established a reserve is audited and finally 

resolved. The number of years with open tax audits varies depending on the tax jurisdiction. The tax benefit that has been 
previously reserved because of a failure to meet the “more likely than not” recognition threshold would be recognized in our 
income tax expense in the first interim period when the uncertainty is resolved under any one of the following conditions: 
(1) the tax position has been determined to be “more likely than not” of being sustained, (2) the tax position, amount and/or 
timing is ultimately settled through negotiation or litigation, or (3) the statutes of limitations for the tax position has expired. 
See Note 12, “Income Taxes,” in the Notes to Consolidated Financial Statements for further discussion.

RECENT ACCOUNTING PRONOUNCEMENTS

See Note 2, “Recent Accounting Pronouncements,” in the Notes to Consolidated Financial Statements for a discussion of 

recent accounting pronouncements.

52

ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

NON-GAAP AND SEGMENT FINANCIAL MEASURES

Non-GAAP Financial Measures. This Annual Report on Form 10-K includes information extracted from consolidated 

financial information that is not required by generally accepted accounting principles in the United States of America (GAAP) 
to be presented in the financial statements. Certain elements of this information are considered “non-GAAP financial measures” 
as defined by SEC rules. Non-GAAP financial measures should be considered in addition to, but not as a substitute for or 
superior to, other measures of financial performance or liquidity prepared in accordance with GAAP. Also, our non-GAAP 
financial measures may not be comparable to financial measures used by other companies. We provide a reconciliation of each 
of these non-GAAP financial measures to the most comparable GAAP measure in this non-GAAP financial measures section.  
We also provide the reasons why management believes each non-GAAP financial measure is useful to investors in this section.

Specifically, we refer to the following non-GAAP financial measures in this Form 10-K:

Non-GAAP Financial Measure

Comparable GAAP Measure

Operating Revenue Measures:

Operating Revenue

FMS Operating Revenue

SCS Operating Revenue

DTS Operating Revenue

Total Revenue

FMS Total Revenue

SCS Total Revenue

DTS Total Revenue

FMS EBT as a % of FMS Operating Revenue

FMS EBT as a % of FMS Total Revenue

SCS EBT as a % of SCS Operating Revenue

SCS EBT as a % of SCS Total Revenue

DTS EBT as a % of DTS Operating Revenue

DTS EBT as a % of DTS Total Revenue

Comparable Earnings Measures:

Comparable Earnings (Loss) Before Income Tax

Earnings (Loss) Before Income Tax

Comparable Earnings (Loss)

Earnings (Loss) from Continuing Operations

Comparable EPS

Comparable Tax Rate

Adjusted Return on Equity (ROE)

Adjusted Return on Capital (ROC)

Cash Flow Measures:

EPS from Continuing Operations

Effective Tax Rate from Continuing Operations

Not Applicable. However, non-GAAP elements of the
calculation have been reconciled to the corresponding
GAAP measures. A numerical reconciliation of net
earnings to adjusted net earnings and average
shareholders' equity to adjusted average equity is
provided in the following reconciliations.

Not Applicable. However, non-GAAP elements of the
calculation have been reconciled to the corresponding
GAAP measures. A numerical reconciliation of net
earnings to adjusted net earnings and average total debt
and average shareholders' equity to adjusted average total
capital is provided in the following reconciliations.

Total Cash Generated and Free Cash Flow

Cash Provided by Operating Activities

53

ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

Set forth in the table below is an overview of each non-GAAP financial measure and why management believes that 
presentation of each non-GAAP financial measure provides useful information to investors. See reconciliations for each of 
these measures following this table.

Operating Revenue Measures:

Operating Revenue

FMS Operating Revenue

SCS Operating Revenue

DTS Operating Revenue

FMS EBT as a % of FMS 
Operating Revenue

SCS EBT as a % of SCS Operating 
Revenue

DTS EBT as a % of DTS Operating 
Revenue

Comparable Earnings Measures:
Comparable Earnings (Loss) before 
Income Taxes (EBT)

Comparable Earnings (Loss)

Comparable earnings (loss) per 
diluted common share (EPS)

Comparable Tax Rate

Adjusted Return on Equity (ROE)

Adjusted Return on Capital (ROC)

Operating revenue is defined as total revenue for Ryder System, Inc. or each business 
segment (FMS, SCS and DTS) excluding any (1) fuel and (2) subcontracted 
transportation. We believe operating revenue provides useful information to investors as 
we use it to evaluate the operating performance of our core businesses and as a measure 
of sales activity at the consolidated level for Ryder System, Inc., as well as for each of 
our business segments. We also use segment EBT as a percentage of segment operating 
revenue for each business segment for the same reason. Note: FMS EBT, SCS EBT and 
DTS EBT, our primary measures of segment performance, are not non-GAAP measures.

Fuel:  We exclude FMS, SCS and DTS fuel from the calculation of our operating 
revenue measures, as fuel is an ancillary service that we provide our customers, which is 
impacted by fluctuations in market fuel prices and the costs are largely a pass-through to 
our customers, resulting in minimal changes in our profitability during periods of steady 
market fuel prices. However, profitability may be positively or negatively impacted by 
rapid changes in market fuel prices during a short period of time, as customer pricing for 
fuel services is established based on trailing market fuel costs.

Subcontracted transportation:  We also exclude subcontracted transportation from the 
calculation of our operating revenue measures, as these services are also typically a 
pass-through to our customers and, therefore, fluctuations result in minimal changes to 
our profitability. While our SCS and DTS business segments subcontract certain 
transportation services to third party providers, our FMS business segment does not 
engage in subcontracted transportation and, therefore, this item is not applicable to FMS.

Comparable EBT, comparable earnings and comparable EPS are defined, respectively, 
as GAAP EBT, earnings and EPS, all from continuing operations, excluding (1) non-
operating pension costs and (2) any other significant items that are not representative of 
our business operations. We believe these comparable earnings measures provide useful 
information to investors and allow for better year-over-year comparison of operating 
performance.

Non-operating pension costs:  Our comparable earnings measures exclude non-operating 
pension costs, which include the amortization of net actuarial loss and prior service cost, 
interest cost and expected return on plan assets components of pension and 
postretirement benefit costs, as well as a settlement or curtailment of a plan. We exclude 
non-operating pension costs because we consider these to be impacted by financial 
market performance and outside the operational performance of our business.

Other Items Impacting Comparability:  Our comparable and adjusted earnings measures 
also exclude other significant items that are not representative of our business operations 
as detailed in the reconciliation table below. These other significant items vary from 
period to period and, in some periods, there may be no such significant items. 

Calculation of comparable tax rate:  The comparable provision for income taxes is 
computed using the same methodology as the GAAP provision for income taxes. Income 
tax effects of non-GAAP adjustments are calculated based on the statutory tax rates of 
the jurisdictions to which the non-GAAP adjustments relate.

Adjusted ROE: Adjusted ROE is defined as adjusted net earnings divided by adjusted 
average shareholders' equity and represents the rate of return on shareholders' 
investment. Other items impacting comparability described above are excluded, as 
applicable, from the calculation of net earnings and average shareholders' equity. We use 
adjusted ROE as an internal measure of how effectively we use the owned capital 
invested in our operations.

Adjusted ROC:  Adjusted ROC is defined as adjusted net earnings divided by average 
total capital and represents the rate of return generated by the capital deployed in our 
business. Other items impacting comparability described above are excluded, as 
applicable, from the calculation of net earnings and average shareholders' equity (a 
component of average total capital).We use adjusted ROC as an internal measure of how 
effectively we use the capital invested (borrowed or owned) in our operations.

54

  
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

Cash Flow Measures:

Total Cash Generated

Free Cash Flow

We consider total cash generated and free cash flow to be important measures of 
comparative operating performance, as our principal sources of operating liquidity are 
cash from operations and proceeds from the sale of revenue earning equipment.

Total Cash Generated:  Total cash generated is defined as the sum of (1) net cash 
provided by operating activities, (2) net cash provided by the sale of revenue earning 
equipment, (3) net cash provided by the sale of operating property and equipment, and 
(4) other cash inflows from investing activities. We believe total cash generated is an 
important measure of total cash flows generated from our ongoing business activities. 

Free Cash Flow:  We refer to the net amount of cash generated from operating activities 
and investing activities (excluding acquisitions) from continuing operations as “free 
cash flow”. We calculate free cash flow as the sum of (1) net cash provided by operating 
activities, (2) net cash provided by the sale of revenue earning equipment, (3) net cash 
provided by the sale of operating property and equipment, and (4) other cash inflows 
from investing activities, less (5) purchases of property and revenue earning equipment. 
We believe free cash flow provides investors with an important perspective on the cash 
available for debt service and for shareholders, after making capital investments required 
to support ongoing business operations. Our calculation of free cash flow may be 
different from the calculation used by other companies and, therefore, comparability 
may be limited.                                                                                                                                                                                                                                                                                                                                                                                                                                                                   

55

 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

The following table provides a reconciliation of GAAP earnings (loss) before taxes (EBT), earnings (loss), and earnings 

(loss) per diluted share (Diluted EPS) from continuing operations to comparable EBT, comparable earnings and comparable 
EPS from continuing operations. Certain items included in EBT, earnings and diluted EPS from continuing operations have 
been excluded from our comparable EBT, comparable earnings and comparable diluted EPS measures. The following table lists 
a summary of these items, which are discussed in more detail throughout our MD&A and within the Notes to Consolidated 
Financial Statements:

EBT

Non-operating pension costs (1)
Restructuring and other, net (2)
ERP implementation costs (2)
Goodwill impairment (3)
Tax reform-related and other tax adjustments, 

net (4), (5)

Pension-related adjustments (1)
Operating tax adjustment (4)
Gain on sale of property (6)

Comparable EBT

Earnings (loss)

Non-operating pension costs (1)
Restructuring and other, net (2)
ERP implementation costs (2)
Goodwill impairment (3)
Tax reform-related and other tax adjustments, 

net (4), (5)

Uncertain tax position (5)
Pension-related adjustments (1)
Operating tax adjustment (4)
Gain on sale of property (6)
Tax law changes (5)

Comparable Earnings (7)

Diluted EPS

Non-operating pension costs (1)
Restructuring and other, net (2)
ERP implementation costs (2)
Goodwill impairment (3)
Tax reform-related and other tax adjustments, 

net (4), (5)

Uncertain tax position (5)
Pension-related adjustments (1)
Operating tax adjustment (4)
Gain on sale of property (6)
Tax law changes (5)
Comparable EPS (7)

$

$

$

$

$

$

2019

(42,271) $
60,406
35,308
21,260
—

—
—
—
(18,614)
56,089

$

(23,272) $
44,852
26,532
15,779
—

3,508
—
—
—
(13,845)
—
53,554

$

(0.45) $
0.85
0.51
0.30
—

0.06
—
—
—
(0.26)
—
1.01

$

2016

2018

Continuing Operations
Years ended December 31,
2017
(In thousands, except per share amounts)
389,469
7,541
5,597
742
15,513

296,436
27,741
17,265
—
—

$

$

407,256
29,943
5,074
—
—

—
—
—
—
418,862

286,922
4,685
4,475
550
15,513

10,038
(4,382)
—
—
—
(3,020)
314,781

5.43
0.09
0.08
0.01
0.29

0.19
(0.08)
—
—
—
(0.06)
5.95

$

$

$

$

$

23,278
5,454
2,205
(24,122)
348,257

720,101
16,034
9,231
—
—

(512,234)
—
3,303
1,677
(14,769)
1,844
225,187

13.54
0.31
0.15
—
—

(9.62)
—
0.06
0.03
(0.27)
0.03
4.23

$

$

$

$

$

—
7,650
—
—
449,923

265,232
17,518
3,513
—
—

—
—
4,817
—
—
—
291,080

4.95
0.33
0.06
—
—

—
—
0.09
—
—
—
5.43

2015

469,215
17,797
18,068
—
—

—
(509)
—
—
504,571

305,989
10,136
12,782
—
—

—
—
(309)
—
—
(2,113)
326,485

5.73
0.19
0.23
—
—

—
—
(0.01)
—
—
(0.04)
6.10  

$

$

$

$

$

$

____________________
(1)  Refer to Note 20, “Employee Benefit Plans,” in the Notes to Consolidated Financial Statements for additional information.
(2)  Refer to Note 5, “Restructuring and Other Items, Net,” in the Notes to Consolidated Financial Statements for additional information.
(3)  Refer to Note 9, "Goodwill,” in the Notes to Consolidated Financial Statements for additional information. 
(4)  Refer to Note 22, “Other Items Impacting Comparability,” in the Notes to Consolidated Financial Statements for additional information.
(5)  Refer to Note 12, “Income Taxes,” in the Notes to Consolidated Financial Statements for additional information. 
(6)  Refer to Note 25, "Miscellaneous Income, Net," in the Notes to Consolidated Financial Statements for additional information.
(7)  Refer to the reconciliation of the comparable provision for income taxes table below for information on the tax impact on our comparable earnings 

measures.

56

 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

The following table provides a reconciliation of the provision for income taxes to the comparable provision for income 

taxes: 

Benefit from (provision for) 

income taxes (1), (2)

Income tax effects of non-GAAP 

adjustments (1)

Tax reform-related and other tax 

adjustments, net (1), (2)

Comparable provision for income taxes (1)

$

Years ended December 31,

2019

2018

2017

2016

2015

(In thousands)

$

18,999

$

(102,547) $

423,665

$

(142,024) $

(163,226)

(25,042)

(11,572)

(11,223)

(16,819)

(14,860)

3,508
(2,535) $

10,038
(104,081) $

(535,512)
(123,070) $

—

(158,843) $

—
(178,086)

_________________ 
(1)  The comparable provision for income taxes is computed using the same methodology as the GAAP provision of income taxes. Income tax effects of non-

GAAP adjustments are calculated based on statutory tax rates of the jurisdictions to which the non-GAAP adjustments related.

(2)  2017 amounts reflect a tax benefit as a result of the 2017 Tax Cuts and Jobs Act. Refer to Note 12 , "Income Taxes ," in the Notes to Consolidated 

Financial Statements for additional information.

The following table provides a numerical reconciliation of net cash provided by operating activities to total cash 

generated and to free cash flow:

2019

2018

2017

2016

2015

Years ended December 31,

Net cash provided by operating activities
Sales of revenue earning equipment (1)
Sales of operating property and equipment (1)
Collections on direct finance leases (2)

Total cash generated

Purchases of property and revenue earning

$ 2,140,539
465,705

52,276
—
2,658,520

$ 1,717,993
379,716
16,606
—
2,114,315

(In thousands)
$ 1,628,098
376,743
52,257
—
2,057,098

$ 1,601,022
414,249
7,051
76,510
2,098,832

$ 1,441,788
423,605
3,891
70,980
1,940,264

equipment

Free cash flow

Memo:

(3,735,174)
$ (1,076,654) $

(3,050,409)

(936,094) $

(1,860,436)
196,662

(1,905,157)
193,675

$

(2,667,978)
(727,714)

$

Net cash used in investing activities

$ (3,217,193) $ (2,821,459) $ (1,438,676) $ (1,407,347) $ (2,161,355)

Net cash provided by (used in) financing

activities

$ 1,084,139

$ 1,085,515

$

(162,055) $

(185,922) $

731,485

_________________ 
(1) 
(2) 

Included in cash flows from investing activities.
Included in cash flows from investing activities for periods prior to January 1, 2017 as a result of the adoption of the new leasing standard in 2019. 

The following table provides a numerical reconciliation of total revenue to operating revenue:

Total revenue
Subcontracted transportation
Fuel
Operating revenue

Years ended December 31,

2019

2018

2017

2016

2015

$ 8,925,801
(854,149)
(847,320)
$ 7,224,332

$ 8,413,946
(836,991)
(878,839)
$ 6,698,116

(In thousands)
$ 7,280,074
(546,369)
(711,200)
6,022,505

$ 6,758,138
(338,716)
(628,525)
$ 5,790,897

$ 6,571,893
(288,082)
(722,734)
$ 5,561,077

57

 
 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

The following table provides a reconciliation of FMS total revenue to FMS operating revenue:

FMS total revenue
Fuel (1)
FMS operating revenue

FMS EBT
FMS EBT as a % of FMS total revenue

FMS EBT as a % of FMS operating revenue

————————————
(1) 

Includes intercompany fuel sales from FMS to DTS and SCS.

Years ended December 31,

2019

2018

2017

(In thousands)

$ 5,571,403
(816,362)
$ 4,755,041

$ 5,258,693
(847,655)
$ 4,411,038

$ 4,716,541
(689,809)
$ 4,026,732

$

(70,274) $

340,038

$

295,618

(1.3)%

(1.5)%

6.5%

7.7%

6.3%

7.3%

The following table provides a reconciliation of SCS total revenue to SCS operating revenue:

SCS total revenue

Subcontracted transportation

Fuel

SCS operating revenue

SCS EBT

SCS EBT as a % of SCS total revenue

SCS EBT as a % of SCS operating revenue

Years ended December 31,

2019

2018

2017

$ 2,551,271
(554,678)
(116,628)
$ 1,879,965

(In thousands)

$ 2,398,144
(521,028)
(111,780)
$ 1,765,336

$ 1,937,352
(354,644)
(75,160)
$ 1,507,548

$

145,060

$

130,262

$

98,825

5.7%

7.7%

5.4%

7.4%

5.1%

6.6%

The following table provides a reconciliation of DTS total revenue to DTS operating revenue:

DTS total revenue
Subcontracted transportation

Fuel

DTS operating revenue

DTS EBT

DTS EBT as a % of DTS total revenue

DTS EBT as a % of DTS operating revenue

Years ended December 31,

2019

2018

2017

$ 1,417,483
(299,471)
(145,318)
972,694

$

(In thousands)

$ 1,333,313
(315,963)
(146,813)
870,537

$

$ 1,095,645
(191,725)
(114,626)
789,294

$

$

81,149

$

61,236

$

55,346

5.7%

8.3%

4.6%

7.0%

5.1%

7.0%

58

 
 
 
 
 
 
 
 
 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

The following tables provide numerical reconciliations of net earnings to adjusted net earnings and average shareholders' 
equity to adjusted average shareholders' equity (Adjusted ROE), and of net earnings to adjusted net earnings and average total 
debt and average shareholders' equity to adjusted average total capital (Adjusted ROC), and of the non-GAAP elements used to 
calculate the adjusted return on equity and adjusted return on capital to the corresponding GAAP measures:

Adjusted Return on Equity

Net earnings (loss) (1)

Other items impacting comparability, net (2)
Income taxes

Adjusted earnings (loss) before income taxes

Adjusted income taxes (3)

Adjusted net earnings (loss) for adjusted return 
   on equity [A]

Average shareholders’ equity
Average adjustments to shareholders’ equity (4)

Adjusted average shareholders’ equity [B]
Adjusted return on equity [A/B]

Adjusted Return on Capital

2019

2018

2017

2016

2015

Years ended December 31,

$

(24,410) $
37,954
(18,951)
(5,407)
12,972

284,613
21,852
102,695
409,160
(101,373)

$

(In thousands)
719,644
24,080
(423,145)
320,579
(111,884)

$

7,565

$

307,787

$

208,695

$ 2,532,875
14,988
$ 2,547,863

$ 2,492,956
(78,431)
$ 2,414,525

$ 1,983,736
(98,794)
$ 1,884,942

$

$

$

$

$

263,069
12,585
141,906
417,560
(146,567)

304,768
17,559
163,649
485,976
(171,021)

270,993

$

314,955

2,053,039
1,728
2,054,767

$ 1,894,917
10,843
$ 1,905,760

0.3%

12.7%

11.1%

13.2%

16.5%

Net earnings (loss) (1)

$

Other items impacting comparability, net (2)
Income taxes

Adjusted earnings (loss) before income taxes

Adjusted interest expense (5)
Adjusted income taxes (6)

Adjusted net earnings (loss) for adjusted return 

on capital [A]

Years ended December 31,

2019

2018

2017

2016

2015

(24,410) $
37,954
(18,951)
(5,407)
241,478
(43,164)

284,613
21,852
102,695
409,160
180,648
(146,335)

$

(In thousands)
719,644
$
24,080
(423,145)
320,579
142,051
(161,891)

$

263,069
12,585
141,906
417,560
148,043
(198,531)

304,768
17,559
163,649
485,976
150,640
(224,033)

$

192,907

$

443,473

$

300,739

$

367,072

$

412,583

Average total debt
Average off-balance sheet debt
Average shareholders’ equity
Average adjustments to shareholders’ equity (4)

Adjusted average total capital [B]
Adjusted return on capital [A]/[B]

$ 7,427,218
—
2,532,875

14,988
$ 9,975,081

1.9%

$ 6,025,260
—
2,492,956
(78,431)
$ 8,439,785
5.2%

$ 5,394,752
—
1,983,736
(98,794)
$ 7,279,694
4.2%

$ 5,549,458
1,472
2,053,039
1,728
$ 7,605,697
4.8%

$ 5,177,012
1,467
1,894,917
10,843
$ 7,084,239
5.8%

________________ 
(1)  2017 amounts reflect a tax benefit as a result of the 2017 Tax Cuts and Jobs Act. Refer to Note 12 , "Income Taxes ," in the Notes to Consolidated 

Financial Statements for additional information.

(2)  Refer to the table above which discusses items excluded from our segment EBT measure and their classification within our Consolidated Statements of 

Earnings.

(3)  Represents the tax provision on adjusted net earnings before income taxes.
(4)  Represents the impact of other items impacting comparability, net of tax, to equity for the respective period.
(5)  Represents reported interest expense plus imputed interest on off-balance sheet obligations.
(6)  Represents provision for income taxes plus income taxes on other items impacting comparability and adjusted interest expense. 

59

 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

The following table provides a numerical reconciliation of forecasted net cash provided by operating activities to 

forecasted total cash generated and forecasted free cash flow for 2020:

Net cash provided by operating activities
Sales of revenue earning equipment (1)

Total cash generated

Purchases of property and revenue earning equipment (1)

Forecasted free cash flow

————————————
(1) 

Included in cash flows from investing activities.

2020

(In thousands)

2,130,000

430,000

2,560,000

(2,210,000)

350,000

$

$

60

ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS

Forward-looking  statements  (within  the  meaning  of  the  Federal  Private  Securities  Litigation  Reform Act  of  1995)  are 
statements that relate to expectations, beliefs, projections, future plans and strategies, anticipated events or trends concerning 
matters that are not historical facts. These statements are often preceded by or include the words “believe,” “expect,” “intend,” 
“estimate,” “anticipate,” “will,” “may,” “could,” “should” or similar expressions. This Annual Report contains forward-looking 
statements including, but not limited to, statements regarding:

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

• 

our  expectations  in  our  FMS  business  segment  regarding  anticipated  ChoiceLease  revenue  and  fleet  growth  and 
commercial rental revenue and demand;

our expectations in our SCS and DTS business segments regarding anticipated operating revenue trends, sales activity 
and growth rates;

our expectations of the long-term residual values of revenue earning equipment;

the anticipated increase in NLE vehicles in inventory through the end of the year;

the expected pricing and inventory levels for used vehicles;

our expectations of operating cash flow, free cash flow, and capital expenditures through the end of 2020;

the  adequacy  of  our  accounting  estimates  and  reserves  for  pension  expense,  compensation  expense  and  employee 
benefit plan obligations, depreciation and residual value guarantees, goodwill impairment, accounting changes, and 
income taxes;

our expected future contractual cash obligations and commitments; 

the adequacy of our fair value estimates of employee incentive awards under our share-based compensation plans, 
publicly traded debt and other debt;

our ability to fund all of our operating, investing and financial needs for the foreseeable future through internally 
generated funds and outside funding sources;

our expected level of use and availability of outside funding sources, anticipated future payments under debt and lease 
agreements, and risk of losses resulting from counterparty default under hedging and derivative agreements; 

the anticipated impact of fuel price and exchange rate fluctuations;

our expectations as to return on pension plan assets, future pension expense and estimated contributions;

our expectations regarding the scope and anticipated outcomes with respect to certain claims, proceedings and lawsuits;

the ultimate disposition of estimated environmental liabilities; 

our expectations about the need to repatriate foreign cash to the U.S.;

our ability to access commercial paper and other available debt financing in the capital markets;

our expected cost savings from workforce reductions and restructuring actions;

the size and impact of our strategic investments; 

our expectations regarding restructuring charges;

the status of our unrecognized tax benefits related to the U.S. federal, state and foreign tax positions; 

our estimates for self-insurance loss reserves;

our expectations regarding the completion and ultimate outcome of certain tax audits; and

the anticipated impact of recent accounting pronouncements.

61

ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

These statements, as well as other forward-looking statements contained in this Annual Report, are based on our current 
plans and expectations and are subject to risks, uncertainties and assumptions. We caution readers that certain important factors 
could cause actual results and events to differ significantly from those expressed in any forward-looking statements. These risk 
factors include, but are not limited to, the following:

•  Market Conditions:

  Changes in general economic and financial conditions in the U.S. and worldwide leading to decreased demand 
for our services, lower profit margins, increased levels of bad debt and reduced access to credit and financial 
markets.

  Decreases in freight demand which would impact both our transactional and variable-based contractual business.

  Changes in our customers’ operations, financial condition or business environment that may limit their demand 

for, or ability to purchase, our services.

  Decreases in market demand affecting the commercial rental market and used vehicle sales as well as global 

economic conditions.

  Volatility in customer volumes and shifting customer demand in the industries serviced by our SCS business.

  Changes in current financial, tax or regulatory requirements that could negatively impact our financial results.

• 

Competition:

  Advances in technology may impact demand for our services or may require increased investments to remain 
competitive, and our customers may not be willing to accept higher prices to cover the cost of these investments.

  Competition from other service providers, some of which have greater capital resources or lower capital costs, 

or from our customers, who may choose to provide services themselves.

  Continued consolidation in the markets in which we operate which may create large competitors with greater 

financial resources.

  Our  inability  to  maintain  current  pricing  levels  due  to  economic  conditions,  demand  for  services,  customer 

acceptance or competition.

• 

Profitability:

  Our inability to obtain adequate profit margins for our services.

  Lower than expected sales volumes or customer retention levels.

  Decreases in commercial rental fleet utilization and pricing.

  Lower than expected used vehicle sales pricing levels and fluctuations in the anticipated proportion of retail 

versus wholesale sales.

  Loss of key customers in our DTS and SCS business segments.

  Our inability to adapt our product offerings to meet changing consumer preferences on a cost-effective basis.

  The inability of our legacy information technology systems to provide timely access to data.

Sudden changes in fuel prices and fuel shortages.

  Higher prices for vehicles, diesel engines and fuel as a result of new environmental standards.

  Higher  than expected  maintenance costs  and  lower  than  expected benefits associated  with  our  maintenance 

initiatives.

  Our inability to successfully execute our asset management initiatives, maintain our fleet at normalized levels 

and right-size our fleet in line with demand.

62

 
ITEM 7. MANAGEMENT'S DISCUSSION AND ANALYSIS OF 
FINANCIAL CONDITION AND RESULTS OF OPERATIONS - (Continued)

  Our key assumptions and pricing structure of our DTS and SCS contracts prove to be inaccurate.

Increased unionizing, labor strikes and work stoppages.

  Difficulties in attracting and retaining drivers and technicians due to driver and technician shortages, which may 
result in higher costs to procure drivers and technicians and higher turnover rates affecting our customers.

  Our inability to manage our cost structure.

  Our inability to limit our exposure for customer claims.

  Unfavorable or unanticipated outcomes in legal or regulatory proceedings or uncertain positions.

  Business interruptions or expenditures due to severe weather or natural occurrences.

• 

Financing Concerns:

  Higher borrowing costs.

  Unanticipated interest rate and currency exchange rate fluctuations.

  Negative funding status of our pension plans caused by lower than expected returns on invested assets and 

unanticipated changes in interest rates.

  Withdrawal liability as a result of our participation in multi-employer plans.

Instability in U.S. and worldwide credit markets, resulting in higher borrowing costs and/or reduced access to 
credit.

• 

Accounting Matters:

  Reductions in residual values or useful lives of revenue earning equipment.

Increases in compensation levels, retirement rate and mortality resulting in higher pension expense; regulatory 
changes affecting pension estimates, accruals and expenses.

  Changes in accounting rules, assumptions and accruals.

  Difficulties and delays in implementing our Enterprise Resource Planning system and related processes.

• 

Other risks detailed from time to time in our SEC filings, including in “Item 1A.-Risk Factors” of this Annual Report.

New risk factors emerge from time to time and it is not possible for management to predict all such risk factors or to assess 
the impact of such risk factors on our business. As a result, no assurance can be given as to our future results or achievements. 
You should not place undue reliance on the forward-looking statements contained herein, which speak only as of the date of this 
Annual Report. We do not intend, or assume any obligation, to update or revise any forward-looking statements contained in this 
Annual Report, whether as a result of new information, future events or otherwise.

63

 
 
 
ITEM 7A. QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

The information required by ITEM 7A is included in ITEM 7 of PART II of this report.

64

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FINANCIAL STATEMENTS

Management’s Report on Internal Control over Financial Reporting
Report of Independent Registered Public Accounting Firm
Consolidated Statements of Earnings
Consolidated Statements of Comprehensive Income
Consolidated Balance Sheets
Consolidated Statements of Cash Flows
Consolidated Statements of Shareholders’ Equity
Notes to Consolidated Financial Statements:

Note 1. Summary of Significant Accounting Policies
Note 2. Recent Accounting Pronouncements
Note 3. Acquisitions
Note 4. Revenue
Note 5. Restructuring and Other Items, Net
Note 6. Receivables, Net
Note 7. Revenue Earning Equipment, Net
Note 8. Operating Property and Equipment, Net
Note 9. Goodwill
Note 10. Intangible Assets, Net
Note 11. Accrued Expenses and Other Liabilities
Note 12. Income Taxes
Note 13. Leases
Note 14. Debt
Note 15. Guarantees
Note 16. Share Repurchase Programs
Note 17. Accumulated Other Comprehensive Loss
Note 18. Earnings Per Share
Note 19. Share-Based Compensation Plans
Note 20. Employee Benefit Plans
Note 21. Environmental Matters
Note 22. Other Items Impacting Comparability
Note 23. Other Matters
Note 24. Supplemental Cash Flow Information
Note 25. Miscellaneous Income, Net

Note 26. Segment Reporting
Note 27. Quarterly Information (unaudited)

Consolidated Financial Statement Schedule for the Years Ended December 31, 2019, 2018 and 2017:

Schedule II — Valuation and Qualifying Accounts

Page No.    
66
67
71
72
73
74
75

76
86
90
91
93
94
94
96
96
97
97
98
101
104
106
106
107
108
108
112
118
119
119
120
120
121
124

125

All other schedules are omitted because they are not applicable or the required information is shown in the consolidated 

financial statements or notes thereto.

65

 
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
MANAGEMENT’S REPORT ON INTERNAL CONTROL OVER FINANCIAL REPORTING

TO THE SHAREHOLDERS OF RYDER SYSTEM, INC.:

Management of Ryder System, Inc., together with its consolidated subsidiaries (Ryder), is responsible for establishing and 

maintaining adequate internal control over financial reporting as defined in Rules 13a-15(f) and 15d-15(f) under the Securities 
Exchange Act of 1934. Ryder’s internal control over financial reporting is designed to provide reasonable assurance regarding 
the reliability of financial reporting and the preparation of the consolidated financial statements for external purposes in 
accordance with accounting principles generally accepted in the United States of America.

Ryder’s internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance 

of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of Ryder; 
(2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in 
accordance with generally accepted accounting principles, and that our receipts and expenditures are being made only in 
accordance with authorizations of Ryder’s management and directors; and (3) provide reasonable assurance regarding 
prevention or timely detection of unauthorized acquisition, use or disposition of Ryder’s assets that could have a material effect 
on the consolidated financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. 

Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become 
inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

Management assessed the effectiveness of Ryder’s internal control over financial reporting as of December 31, 2019. In 

making this assessment, management used the criteria set forth by the Committee of Sponsoring Organizations of the Treadway 
Commission in “Internal Control — Integrated Framework (2013).” Based on our assessment and those criteria, management 
determined that Ryder maintained effective internal control over financial reporting as of December 31, 2019.

Ryder’s independent registered public accounting firm, PricewaterhouseCoopers LLP, has audited the effectiveness of 

Ryder’s internal control over financial reporting as of December 31, 2019. Their report appears on the subsequent page.

66

Report of Independent Registered Public Accounting Firm 

To the Board of Directors and Shareholders of Ryder System, Inc. 

Opinions on the Financial Statements and Internal Control over Financial Reporting

We have audited the accompanying consolidated balance sheets of Ryder System, Inc. and its subsidiaries (the “Company”) as 
of December 31, 2019 and 2018, and the related consolidated statements of earnings, of comprehensive income, of 
shareholders’ equity and of cash flows for each of the three years in the period ended December 31, 2019, including the related 
notes and financial statement schedule listed in the accompanying index (collectively referred to as the “consolidated financial 
statements”). We also have audited the Company's internal control over financial reporting as of December 31, 2019, based on 
criteria established in Internal Control - Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of 
the Treadway Commission (COSO).

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial 
position of the Company as of December 31, 2019 and 2018, and the results of its operations and its cash flows for each of the 
three years in the period ended December 31, 2019 in conformity with accounting principles generally accepted in the United 
States of America. Also in our opinion, the Company maintained, in all material respects, effective internal control over 
financial reporting as of December 31, 2019, based on criteria established in Internal Control - Integrated Framework (2013) 
issued by the COSO.

Change in Accounting Principle

As discussed in Note 1 to the consolidated financial statements, the Company changed the manner in which it accounts for 
leases in 2019. 

Basis for Opinions

The Company's management is responsible for these consolidated financial statements, for maintaining effective internal 
control over financial reporting, and for its assessment of the effectiveness of internal control over financial reporting, included 
in the accompanying Management’s Report on Internal Control Over Financial Reporting. Our responsibility is to express 
opinions on the Company’s consolidated financial statements and on the Company's internal control over financial reporting 
based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United 
States) (PCAOB) and are required to be independent with respect to the Company in accordance with the U.S. federal securities 
laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the 
audits to obtain reasonable assurance about whether the consolidated financial statements are free of material misstatement, 
whether due to error or fraud, and whether effective internal control over financial reporting was maintained in all material 
respects.

Our audits of the consolidated financial statements included performing procedures to assess the risks of material misstatement 
of the consolidated financial statements, whether due to error or fraud, and performing procedures that respond to those risks. 
Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the consolidated 
financial statements. Our audits also included evaluating the accounting principles used and significant estimates made by 
management, as well as evaluating the overall presentation of the consolidated financial statements. Our audit of internal 
control over financial reporting included obtaining an understanding of internal control over financial reporting, assessing the 
risk that a material weakness exists, and testing and evaluating the design and operating effectiveness of internal control based 
on the assessed risk. Our audits also included performing such other procedures as we considered necessary in the 
circumstances. We believe that our audits provide a reasonable basis for our opinions.

Definition and Limitations of Internal Control over Financial Reporting

A company’s internal control over financial reporting is a process designed to provide reasonable assurance regarding the 
reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally 
accepted accounting principles. A company’s internal control over financial reporting includes those policies and procedures 
that (i) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and 
dispositions of the assets of the company; (ii) provide reasonable assurance that transactions are recorded as necessary to permit 
67

 
preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and 
expenditures of the company are being made only in accordance with authorizations of management and directors of the 
company; and (iii) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or 
disposition of the company’s assets that could have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, 
projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate 
because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

Critical Audit Matters

The critical audit matters communicated below are matters arising from the current period audit of the consolidated financial 
statements that were communicated or required to be communicated to the audit committee and that (i) relate to accounts or 
disclosures that are material to the consolidated financial statements and (ii) involved our especially challenging, subjective, or 
complex judgments. The communication of critical audit matters does not alter in any way our opinion on the consolidated 
financial statements, taken as a whole, and we are not, by communicating the critical audit matters below, providing separate 
opinions on the critical audit matters or on the accounts or disclosures to which they relate.

Revenue Earning Equipment - Residual Values 

As described in Notes 1 and 7 to the consolidated financial statements, the net carrying amount of revenue earning equipment 
was $10.4 billion as of December 31, 2019. Depreciation expense was $1.9 billion primarily related to Fleet Management 
Solutions (FMS) revenue earning equipment. Revenue earning equipment, comprised of vehicles, is initially recorded at cost 
inclusive of vendor rebates. The provision for depreciation is computed using the straight-line method. Management 
periodically reviews and adjusts, as appropriate, the estimated residual values and useful lives of revenue earning equipment. 
Management’s review of the estimated residual values and useful lives is established with a long-term view based on vehicle 
class, generally subcategories of trucks, tractors and trailers by weight and usage, as well as other factors, including but not 
limited to historical market price trends, current and expected future market prices, expected lives of vehicles, and expected 
sales of used vehicles in the wholesale and retail markets.

The principal considerations for our determination that performing procedures relating to revenue earning equipment - residual 
values is a critical audit matter are there was significant judgment by management when estimating residual values. This in turn 
led to a high degree of auditor judgment, subjectivity and effort in performing procedures and in evaluating the significant 
judgment by management in estimating residual values, including the Company’s historical market price trends, current and 
expected future market prices, and expected sales of used vehicles in the wholesale and retail markets. 

Addressing the matter involved performing procedures and evaluating audit evidence in connection with forming our overall 
opinion on the consolidated financial statements. These procedures included testing the effectiveness of controls relating to 
management’s assessment of, and related adjustments to, the estimated residual values of revenue earning equipment. These 
procedures also included, among others (i) testing management’s process for developing the estimated residual values of 
revenue earning equipment, (ii) testing the accuracy of the Company’s historical used vehicle sales data, (iii) assessing 
management’s estimates of current and expected future market prices of used vehicles and management’s assumptions about the 
expected sales of used vehicles in the wholesale and retail markets, and (iv) testing the calculation of the adjustment to 
depreciation expense based on updated estimated residual values. Evaluating management’s assumptions related to expected 
future market prices of used vehicles and the expected sales of used vehicles in the wholesale and retail markets involved 
evaluating whether the assumptions used were reasonable considering (i) past trends in the used vehicle sales market, (ii) the 
consistency with external market and industry data, and (iii) whether they were consistent with evidence obtained in other areas 
of the audit. 

Goodwill Impairment Assessment - FMS North America Reporting Unit

As described in Notes 1 and 9 to the consolidated financial statements, the Company’s consolidated goodwill balance was $475 
million as of December 31, 2019, and the goodwill associated with the FMS North America (FMS NA) reporting unit was $244 
million. Goodwill is tested for impairment at least annually as of October 1 of each year, or more frequently if events or 
circumstances indicate the carrying value of goodwill may be impaired. If management concludes that it is more likely than not 
that a reporting unit's fair value is less than its carrying value or if management bypasses the optional qualitative assessment, 
recoverability of goodwill is assessed by comparing the fair value of the reporting unit with its carrying amount. If a reporting 
unit’s carrying value exceeds its fair value, management will measure any goodwill impairment loss as the amount by which the 
carrying amount of a reporting unit exceeds its fair value, not to exceed the total amount of goodwill allocated to that reporting 
unit. In both the third and fourth quarter of 2019, management performed impairment tests of the FMS NA reporting unit. Fair 

68

value for the FMS NA reporting unit was determined based on a discounted future cash flow model (income approach) and the 
application of current market multiples for comparable publicly-traded companies (market approach). Under the income 
approach, the fair value of the FMS NA reporting unit is estimated based on the discounted present value of the projected future 
cash flows. Management’s cash flow projections for the FMS NA reporting unit included significant judgments and 
assumptions, including revenue growth rates, margins, long-term growth rates, capital requirements, proceeds from the sale of 
used vehicles, the ability to utilize tax net operating losses, and the discount rate. Under the market approach, management uses 
a selection of comparable publicly-traded companies that correspond to the FMS NA reporting unit to derive a market-based 
multiple.

The principal considerations for our determination that performing procedures relating to the goodwill impairment assessment 
of the FMS NA reporting unit is a critical audit matter are there was significant judgment by management when developing the 
fair value measurement of the reporting unit. This in turn led to a high degree of auditor judgment, subjectivity, and effort in 
performing procedures and evaluating the audit evidence obtained relating to management’s valuation models and significant 
assumptions, including revenue growth rates, margins, and the discount rate. In addition, the audit effort involved the use of 
professionals with specialized skill and knowledge to assist in performing these procedures and evaluating the audit evidence 
obtained.

Addressing the matter involved performing procedures and evaluating audit evidence in connection with forming our overall 
opinion on the consolidated financial statements. These procedures included testing the effectiveness of controls relating to 
management’s goodwill impairment assessment, including controls over the valuation of the Company’s FMS NA reporting 
unit. These procedures also included, among others (i) testing management’s process for developing the fair value estimate, (ii) 
evaluating the appropriateness of the valuation models, (iii) testing the completeness and accuracy of underlying data used in 
the models, and (iv) evaluating the significant assumptions used by management, including the revenue growth rates, margins, 
and discount rate. Evaluating management’s assumptions related to revenue growth rates and margins involved evaluating 
whether the assumptions used by management were reasonable considering (i) the current and past performance of the reporting 
unit, (ii) the consistency with external market and industry data, and (iii) whether these assumptions were consistent with 
evidence obtained in other areas of the audit. Professionals with specialized skill and knowledge were used to assist in the 
evaluation of the Company’s valuation models and certain significant assumptions, including the discount rate. 

Revenue Recognition - Stand-alone Selling Price of the Lease Component of the ChoiceLease Product Line

Revenue from the ChoiceLease product line makes up a significant portion of the lease & related maintenance and rental 
revenues of $3.8 billion.  As described in Note 1 to the consolidated financial statements, contract consideration for the 
ChoiceLease product line arrangements is allocated between the lease component and non-lease component based on 
management’s best estimate of the relative stand-alone selling price of each component. The ChoiceLease product line includes 
the lease of a vehicle (lease component) and the maintenance and other services (non-lease component). The Company does not 
sell the components of their ChoiceLease product offering on a stand-alone basis; therefore, significant judgment is required to 
determine the stand-alone selling prices of the lease and maintenance components in order to allocate the consideration on a 
relative stand-alone selling price basis. The stand-alone selling price of the lease component is estimated using the projected 
cash outflows related to the underlying leased vehicle, net of the estimated disposal proceeds, and a certain targeted return 
considering the weighted average cost of capital.  

The principal considerations for our determination that performing procedures relating to revenue recognition - stand-alone 
selling price of the lease component of the ChoiceLease product line is a critical audit matter are there was significant judgment 
by management when developing the estimated stand-alone selling price of the lease component. This in turn led to a high 
degree of auditor judgment, subjectivity and effort in performing procedures and evaluating the audit evidence obtained relating 
to management’s estimated projected cash outflows related to the underlying leased vehicle, specifically the estimated disposal 
proceeds and the weighted average cost of capital. In addition, the audit effort involved the use of professionals with specialized 
skill and knowledge to assist in performing these procedures and evaluating the audit evidence obtained. 

Addressing the matter involved performing procedures and evaluating audit evidence in connection with forming our overall 
opinion on the consolidated financial statements. These procedures included testing the effectiveness of controls relating to the 
revenue recognition process for the ChoiceLease product line, including controls over the estimation of the stand-alone selling 
price of the lease component. These procedures also included, among others, testing management’s process for estimating the 
stand-alone selling price of the lease component, which included evaluating the reasonableness of significant assumptions used 
in the estimated projected cash outflows at contract initiation, specifically the estimated disposal proceeds of the underlying 
leased vehicle and the weighted average cost of capital. Evaluating management’s assumptions related to estimated disposal 
proceeds of the underlying leased vehicle involved evaluating whether the assumptions used by management were reasonable 
considering (i) past trends in the used vehicle sales market, (ii) the consistency with external market and industry data, and (iii) 

69

whether they were consistent with evidence obtained in other areas of the audit. Professionals with specialized skill and 
knowledge were used to assist in the evaluation of the weighted average of cost of capital assumption. 

/s/ PricewaterhouseCoopers LLP 
Miami, Florida
February 27, 2020

We have served as the Company’s auditor since 2006.

70

RYDER SYSTEM, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF EARNINGS

Lease & related maintenance and rental revenues

$

3,784,744

$

3,512,867

$

3,220,705

Years ended December 31,

2019

2018

2017

(In thousands, except per share amounts)

Services revenue

Fuel services revenue

Total revenues

Cost of lease & related maintenance and rental

Cost of services

Cost of fuel services

Other operating expenses

Selling, general and administrative expenses

Non-operating pension costs

Used vehicle sales, net

Interest expense

Miscellaneous (income) loss, net

Restructuring and other items, net

Earnings (loss) from continuing operations before income taxes

Provision for (benefit from) income taxes

Earnings (loss) from continuing operations

Loss from discontinued operations, net of tax

Net earnings (loss)

Earnings (loss) per common share — Basic

Continuing operations

Discontinued operations

Net earnings (loss)

Earnings (loss) per common share — Diluted

Continuing operations

Discontinued operations

Net earnings (loss)

See accompanying notes to consolidated financial statements.

Note: EPS amounts may not be additive due to rounding.

4,555,692

585,365

8,925,801

3,103,703

3,879,863

571,658

121,980

907,449

60,406

58,706

241,381

(33,642)
56,568

4,280,834

620,245

8,413,946

2,555,358

3,663,348

605,613

123,964

849,410

7,541

22,325

180,488

(5,422)
21,852

3,538,869

520,500

7,280,074

2,353,209

2,977,426

507,440

115,019

870,918

27,741

16,989

141,876

(44,245)
17,265

8,968,072

8,024,477

6,983,638

(42,271)
(18,999)

(23,272)

(1,138)

389,469

102,547

286,922

(2,309)

296,436
(423,665)

720,101

(457)

(24,410) $

284,613

$

719,644

(0.45) $

(0.03)

(0.47) $

(0.45) $

(0.03)

(0.47) $

5.46

$

(0.04)

5.41

$

5.43

$

(0.04)

5.38

$

13.64

(0.01)

13.63

13.54

(0.01)

13.53

$

$

$

$

$

71

 
 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

Net earnings (loss)

Other comprehensive income (loss):

Years ended December 31,

2019

2018

2017

(In thousands)

$

(24,410) $

284,613

$

719,644

     Changes in cumulative translation adjustment and other

30,681

(55,940)

62,837

     Amortization of pension and postretirement items

     Income tax expense related to amortization of pension and

postretirement items

     Amortization of pension and postretirement items, net of tax

Reclassification of net actuarial loss due to pension settlement

     Change in net actuarial loss and prior service cost

     Income tax benefit (expense) related to pension settlement and change

in net actuarial loss and prior service cost

     Change in net actuarial loss and prior service cost, net of taxes

30,305

27,499

31,520

(7,059)

23,246

34,974

(7,609)

(6,149)

21,216

(6,422)

21,077

—

(83,695)

18,327

(65,368)

(11,034)

20,486

—

49,680

(9,807)

39,873

Other comprehensive income (loss), net of taxes

75,143

(100,231)

123,196

Comprehensive income

$

50,733

$

184,382

$

842,840

See accompanying notes to consolidated financial statements.

72

RYDER SYSTEM, INC. AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS

Assets:

Current assets:

Cash and cash equivalents
Receivables, net
Inventories
Prepaid expenses and other current assets

Total current assets
Revenue earning equipment, net
Operating property and equipment, net
Goodwill
Intangible assets, net
Sales-type leases and other assets

Total assets

Liabilities and shareholders’ equity:

Current liabilities:

Short-term debt and current portion of long-term debt
Accounts payable
Accrued expenses and other current liabilities

Total current liabilities

Long-term debt
Other non-current liabilities
Deferred income taxes

Total liabilities

Commitments and contingencies (Note 23)
Shareholders’ equity:

Preferred stock, no par value per share — authorized, 3,800,917; none

outstanding, December 31, 2019 and 2018

Common stock, $0.50 par value per share — authorized, 400,000,000;

outstanding, December 31, 2019 — 53,278,316 and December 31, 2018 —
53,116,485

Additional paid-in capital
Retained earnings
Accumulated other comprehensive loss

Total shareholders’ equity
Total liabilities and shareholders’ equity

See accompanying notes to consolidated financial statements.

$

$

$

December 31,

2019

2018

(In thousands, except
share amounts)

$

$

$

73,584
1,228,490
80,822
179,155
1,562,051
10,427,664
917,799
475,025
50,905
1,041,890
14,475,334

1,154,564
594,712
876,077
2,625,353
6,770,224
1,442,003
1,161,444
11,999,024

68,111
1,242,058
79,228
178,313
1,567,710
9,415,961
862,054
475,206
59,075
967,802
13,347,808

937,131
731,876
847,739
2,516,746
5,712,146
1,402,625
1,179,723
10,811,240

—

—

26,639
1,108,649
2,177,513
(836,491)

2,476,310
14,475,334

$

$

26,559
1,084,391
2,337,252
(911,634)
2,536,568
13,347,808

73

 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS

Years ended December 31,

2019

2018

(In thousands)

2017

$

(24,410) $

284,613

$

Cash flows from operating activities from continuing operations:

Net earnings (loss)

Less: Loss from discontinued operations, net of tax

Earnings (loss) from continuing operations

Depreciation expense

Goodwill impairment charge

Used vehicle sales, net

Amortization expense and other non-cash charges, net

Non-cash lease expense

Non-operating pension costs and share-based compensation expense

Deferred income tax expense (benefit)

Collections on sales-type leases

Changes in operating assets and liabilities, net of acquisitions:

Receivables

Inventories

Prepaid expenses and other assets

Accounts payable

Accrued expenses and other non-current liabilities

(1,138)

(23,272)

1,878,929

—

58,706

101,289

85,835

86,234

(32,331)

121,201

27,149

(1,334)

(65,185)

(26,596)

(70,086)

(2,309)

286,922

1,388,570

15,513

22,325

67,936

81,070

32,493

108,895

82,803

(193,144)

(5,782)

(84,727)

16,869

(101,750)

1,717,993

719,644

(457)

720,101

1,257,681

—

16,989

41,039

67,783

46,708

(446,219)

81,015

(178,861)

(3,296)

(95,809)

66,149

54,818

1,628,098

Net cash provided by operating activities from continuing operations

2,140,539

Cash flows from investing activities from continuing operations:

Purchases of property and revenue earning equipment

(3,735,174)

(3,050,409)

(1,860,436)

Sales of revenue earning equipment

Sales of operating property and equipment

Acquisitions, net of cash acquired

Net cash used in investing activities from continuing operations

Cash flows from financing activities from continuing operations:

Net borrowings (repayments) of commercial paper and revolving credit

facilities

Debt proceeds

Debt repaid

Dividends on common stock

Common stock issued

Common stock repurchased

Debt issuance costs and other items

465,705

52,276

—

(3,217,193)

(18,033)

2,636,095

(1,392,891)

(116,469)

8,216

(27,686)

(5,093)

379,716

16,606

(167,372)

(2,821,459)

51,888

1,970,620

(805,739)

(111,864)

17,020

(30,810)

(5,600)

376,743

52,257

(7,240)

(1,438,676)

89,519

873,302

(969,517)

(95,813)

20,508

(78,316)

(1,738)

Net cash provided by (used in) financing activities from continuing

operations

1,084,139

1,085,515

(162,055)

Effect of exchange rates on cash, cash equivalents, and restricted cash

(4,272)

4,694

Increase (decrease) increase in cash, cash equivalents, and restricted cash from

continuing operations

Increase (decrease) in cash, cash equivalents, and restricted cash from

discontinued operations

Increase (decrease) in cash, cash equivalents, and restricted cash

Cash, cash equivalents, and restricted cash at January 1

3,213

2,260

5,473

68,111

(13,257)

(1,654)

(14,911)

83,022

Cash, cash equivalents, and restricted cash at December 31

$

73,584

$

68,111

$

(5,539)

21,828

(1,445)

20,383

62,639

83,022

See accompanying notes to consolidated financial statements.

74

 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY

Preferred
Stock

Amount

Common Stock

Shares

Par

Additional
Paid-In 
Capital

Retained
Earnings

(In thousands, except share amounts)

Accumulated
Other
Comprehensive 
Loss

Total

Balance at January 1, 2017

$

— 53,463,118

$

26,732

$ 1,032,549

$ 1,832,407

$

(834,032) $ 2,057,656

Adoption of new lease accounting standard (see

Note 2)

Comprehensive income

Common stock dividends declared —$1.80 per

share

Common stock issued under employee stock 
option and stock purchase plans (1)

Benefit plan stock (purchases) sales (2)

Common stock repurchases

Share-based compensation

—

—

—

—

—

—

—

—

578,847

250

—

—

—

289

—

—

—

—

20,200

19

(95,507)

—

—

— (1,086,901)

(543)

(20,718)

(57,055)

—

—

—

18,967

—

(312,571)

—

(312,571)

719,644

123,196

842,840

Balance at December 31, 2017

— 52,955,314

26,478

1,051,017

2,086,918

(710,836)

2,453,577

284,613

(100,231)

184,382

Comprehensive income

Common stock dividends declared —$2.12 per

share

Common stock issued under employee stock 
option and stock purchase plans (1)

Benefit plan stock (purchases) sales (2)

Common stock repurchases

Share-based compensation

Adoption of new accounting standard

—

—

—

—

—

—

—

—

—

585,290

700

—

—

293

—

—

—

16,659

68

(112,553)

—

—

(424,819)

(212)

(8,305)

(22,293)

—

—

—

—

24,952

—

—

100,567

(100,567)

—

Balance at December 31, 2018

— 53,116,485

26,559

1,084,391

2,337,252

(911,634)

2,536,568

(24,410)

75,143

50,733

Comprehensive income

Common stock dividends declared —$2.20 per

share

Common stock issued under employee stock 
option and stock purchase plans (1)

Benefit plan stock (purchases) sales (2)

Common stock repurchases

Share-based compensation

—

—

—

—

—

—

—

—

632,711

550

—

—

316

—

—

—

7,877

23

(117,349)

—

—

(471,430)

(236)

(9,470)

(17,980)

—

—

25,828

—

Balance at December 31, 2019

$

— 53,278,316

$

26,639

$ 1,108,649

$ 2,177,513

$

(836,491) $ 2,476,310

__________________
(1)  Net of common shares delivered as payment for the exercise price or to satisfy the holders’ withholding tax liability upon exercise of options.
(2)  Represents open-market transactions of common shares by the trustee of Ryder’s deferred compensation plans.

See accompanying notes to consolidated financial statements.

75

—

—

—

—

—

(95,507)

20,489

19

(78,316)

18,967

—

—

—

—

—

(112,553)

16,952

68

(30,810)

24,952

—

—

—

—

—

(117,349)

8,193

23

(27,686)

25,828

 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

1.     SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES 

Basis of Consolidation and Presentation

The consolidated financial statements include the accounts of Ryder System, Inc. (Ryder) and all entities in which Ryder 
has a controlling voting interest (subsidiaries) and variable interest entities (VIEs) where Ryder is determined to be the primary 
beneficiary. Ryder is deemed to be the primary beneficiary if we have the power to direct the activities that most significantly 
impact the entity’s economic performance and we share in the significant risks and rewards of the entity. All significant 
intercompany accounts and transactions have been eliminated in consolidation. We report our financial performance based on 
three business segments: (1) Fleet Management Solutions (FMS), which provides full service leasing and leasing with flexible 
maintenance options, commercial rental, and contract or transactional maintenance services of trucks, tractors and trailers to 
customers principally in the U.S., Canada and the U.K.; (2) Supply Chain Solutions (SCS), which provides integrated logistics 
solutions, including distribution, management, dedicated transportation and professional services in North America; and (3) 
Dedicated Transportation Solutions (DTS), which provides turnkey transportation solutions in the U.S. that includes dedicated 
vehicles, drivers and engineering and administrative support. 

Use of Estimates

The preparation of our consolidated financial statements requires management to make estimates and assumptions that 

affect the amounts reported in the consolidated financial statements and accompanying notes. These estimates are based on 
management’s best knowledge of historical trends, actions that we may take in the future, and other information available when 
the consolidated financial statements are prepared. Changes in estimates are recognized in accordance with the accounting rules 
for the estimate, which is typically in the period when new information becomes available. Areas where the nature of the 
estimate make it reasonably possible that actual results could materially differ from the amounts estimated include: depreciation 
and residual values, employee benefit plan obligations, self-insurance accruals, impairment assessments on long-lived assets 
(including goodwill and indefinite-lived intangible assets), allowance for accounts receivable, income tax liabilities and 
contingent liabilities.

Cash Equivalents

Cash equivalents represent investments in short-term, interest-bearing instruments with maturities of three months or less 

at the date of purchase and are stated at cost.

Revenue Recognition

We generate revenue primarily through contracts with customers to lease, rent and maintain revenue earning equipment 

and to provide logistics management and dedicated transportation services. We enter into contracts that can include various 
combinations of products and services, which are generally capable of being distinct and accounted for as separate performance 
obligations. We account for a contract when it has approval and commitment from both parties, the rights of the parties are 
identified, payment terms are identified, the contract has commercial substance and collectibility of consideration is probable. 
We recognize revenue upon the transfer of control of promised products or services to customers in an amount that reflects the 
consideration we expect to receive in exchange for those products or services. We generally recognize revenue over time as we 
perform because of continuous transfer of control to our customers. Revenue is recognized net of amounts collected from 
customers for taxes, such as sales tax, that are remitted to the applicable taxing authorities. 

Our lease and rental revenues are recognized in accordance with the new lease guidance retrospectively adopted in 2019 
(refer to Note 2 for further information) and our services and fuel revenues are recognized in accordance with the new revenue 
recognition guidance adopted in 2018.

Lease & related maintenance and rental

Lease & related maintenance and rental revenues include ChoiceLease and commercial rental revenues from our FMS 

business segment. We offer a full service lease as well as a lease with more flexible maintenance options under our 
ChoiceLease product line, which are marketed, priced and managed as bundled services, that include the equipment lease, 
maintenance and other related services. We do not offer a stand-alone lease of a vehicle. We offer rental of vehicles under our 
commercial rental product line, which allows customers to supplement their fleet of vehicles on a short-term basis.

76

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

Our ChoiceLease product line includes the lease of a vehicle (lease component) and maintenance and other services (non-

lease component). We generally lease new vehicles to our customers. Contract consideration is allocated between the lease 
component and non-lease component based on management's best estimate of the relative stand-alone selling price of each 
component. Allocating consideration between the lease and maintenance components in our ChoiceLease product requires 
significant judgment. We do not sell the components of our ChoiceLease product offering on a stand-alone basis, therefore 
significant judgment is required to determine the stand-alone selling prices of the lease and maintenance components in order to 
allocate the consideration on a relative stand-alone selling price basis. For further information regarding our stand-alone selling 
price estimation process, refer to the "Significant Judgments and Estimates" section below. 

Our ChoiceLease product provides for a fixed charge billing and a variable charge billing based on mileage or time usage. 

Fixed charges are typically billed at the beginning of the month and variable charges are typically billed a month in arrears. 
Revenue from the lease component of ChoiceLease agreements is recognized based on the classification of the arrangement, 
typically as either an operating or a sales-type lease. Our commercial rental product includes the short-term rental of a vehicle 
(one day up to one year in length). All of our rental arrangements are classified as operating leases and revenue is recognized on 
a straight-line basis.

The majority of our leases are classified as operating leases and we recognize revenue for the lease component of these 

agreements on a straight-line basis. The non-lease component for maintenance services are not typically performed evenly over 
the life of a ChoiceLease contract as the level of maintenance provided generally increases as vehicles age. Therefore, we 
recognize maintenance revenue consistent with the estimated pattern of the costs to maintain the underlying vehicles. This 
generally results in the recognition of a contract liability for the portion of the customer's bill allocated to the maintenance 
service component of the agreement. The non-lease component for maintenance included in lease & related maintenance and 
rental revenues was $950 million, $909 million and $832 million in 2019, 2018 and 2017, respectively.

Lease and rental agreements do not usually provide for scheduled rent increases or escalations. However, most lease 

agreements allow for rate changes based upon changes in the Consumer Price Index (CPI). Lease and rental agreements also 
provide for vehicle usage charges based on a time charge and/or a fixed per-mile charge. The time charge, the per-mile charge 
and the changes in rates attributed to changes in the CPI are considered contingent rentals and are not considered fixed or 
determinable until the equipment usage or CPI change occurs. This consideration is allocated to the lease and non-lease 
components of the contract as it is billed to the customer based on the allocation determined at contract inception. Variable 
consideration allocated to the lease component is recognized in revenue on a straight-line basis for the remainder of the contract 
term and variable consideration allocated to the non-lease component is recognized in revenue using an input method, 
consistent with the estimated pattern of maintenance costs for the remainder of the contract term.

Variable consideration, such as billings for mileage and from changes in CPI, is excluded from the allocation of 

consideration at the inception of the contract. Revenues associated with licensing and operating taxes that are billed as incurred 
based on the contract arrangement are also excluded from the allocation of consideration at contract inception and allocated as 
earned. The variable consideration and licensing and operating tax revenues are allocated to the lease and maintenance 
components based on the same allocation percentages at contract inception (or the most recent contract modification) when 
earned.  

Leases not classified as operating leases are generally considered sales-type leases. We recognize revenue for sales-type 

leases using the effective interest method, which provides a constant periodic rate of return on the outstanding investment in the 
lease. We generally lease new vehicles under our sales-type lease arrangements. Therefore, there is generally not a difference 
between the net investment in the lease and the carrying value of the vehicles. As a result, there is no selling profit or loss at 
lease commencement.

Services

Services include SelectCare and other revenues from our FMS business segment and all SCS and DTS revenues. 

Under our SelectCare arrangements, we provide maintenance and repairs required to keep a vehicle in good operating 

condition, perform preventive maintenance inspections, provide access to emergency road service, and substitute vehicles. The 
vast majority of our services are routine services performed on a recurring basis throughout the term of the arrangement. From 
time to time, we provide non-routine major repair services in order to place a vehicle back in service.

Through our SelectCare product line, we provide maintenance services to customers who do not choose to lease vehicles 

from us. Our maintenance service arrangement provides for a monthly fixed charge and a monthly variable charge based on 

77

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

mileage or time usage. Fixed charges are typically billed at the beginning of the month for the services to be provided that 
month. Variable charges are typically billed a month in arrears. Most maintenance agreements allow for rate changes based 
upon changes in the CPI. The fixed per-mile charge and the changes in rates attributed to changes in the CPI are recognized as 
earned. 

The maintenance service is the only performance obligation in SelectCare contracts. This single performance obligation is 

satisfied at a point in time for transactional maintenance services or over time for contract maintenance agreements. For 
contract maintenance agreements, the maintenance performance obligation is satisfied as services are performed during the 
contract period. Revenue from SelectCare contracts is recognized as maintenance services are rendered over the terms of the 
related arrangements. We generally account for long-term maintenance contracts as one-year contracts since our maintenance 
arrangements are generally cancelable, without penalty, after one year. We do not disclose information about remaining 
performance obligations for these contracts as the contract terms are generally deemed to be less than a year.

Costs associated with the activities performed under our maintenance arrangements are primarily comprised of labor, 
parts and outside repair work. These costs are expensed as incurred. Non-chargeable maintenance costs have been allocated and 
reflected within “Cost of services” based on the proportionate maintenance-related labor costs relative to all product lines.

In our SCS business segment, we offer a broad range of logistics management services designed to optimize the supply 

chain and address the key business requirements of our customers supported by a variety of technology and engineering 
solutions. SCS operates by industry verticals (Automotive, Technology and Healthcare, Consumer Packaged Goods and Retail, 
and Industrial) to enable our teams to focus on the specific needs of their customers. In our DTS business segment, we combine 
equipment, maintenance, drivers, administrative services and additional services to provide customers with a single integrated 
dedicated transportation solution. DTS transportation solutions are customized for our customers based on a transportation 
analysis to create a logistics design that includes the routing and scheduling of vehicles, the efficient use of vehicle capacity and 
overall asset utilization. 

Revenues from SCS and DTS service contracts are recognized as services are rendered in accordance with contract terms, 

which typically include (1) fixed and variable billing rates, (2) cost-plus billing rates (input method based on actual costs 
incurred to perform services and a contracted mark-up), or (3) variable only or fixed only billing rates for the services. Our 
billing structure aligns with the value transferred to our customers. As a practical expedient, we do not disclose information 
about remaining performance obligations for these contracts since the revenue recognized corresponds to the amount we have 
the right to invoice for services performed.

Our customers contract us to provide an integrated service of transportation or supply chain logistical services into a 

single transportation or supply chain solution. Therefore, we typically recognize SCS and DTS service contracts as one 
performance obligation satisfied over time. Less commonly, however, we may promise to provide distinct services within a 
contract, in which case we separate the contract into more than one performance obligation. If a contract is separated into more 
than one performance obligation, we allocate the total transaction price to each performance obligation in relation to the 
estimated stand-alone selling prices of each performance obligation. We infrequently sell standard products with observable 
stand-alone selling prices. More frequently, we sell a customized customer-specific solution, and in these cases we use the 
expected cost plus a margin approach to estimate the stand-alone selling price of each performance obligation.

Fuel Services

Fuel services revenue is reported in our FMS business segment. We provide our FMS customers with access to fuel at our 

maintenance facilities across the United States and Canada. Fuel services revenue is invoiced to customers at contracted rates 
separate from other services being provided in other contracts, or at retail prices. Revenue from fuel services is recognized 
when fuel is delivered to customers. Fuel is largely a pass-through to our customers, for which we realize minimal changes in 
profitability during periods of steady market fuel prices. However, profitability may be positively or negatively impacted by 
sudden increases or decreases in market fuel prices during a short period of time as customer pricing for fuel services is 
established based on trailing market fuel costs.

78

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

Significant Judgments and Estimates 

We allocate the contract consideration from our ChoiceLease arrangements between the lease and maintenance 
components based on the relative stand-alone selling prices of each of those services. We do not sell the components of our 
ChoiceLease product offering on a stand-alone basis, therefore significant judgment is required to determine the stand-alone 
selling price of the lease component to allocate the consideration on a relative stand-alone selling price basis. We sell 
maintenance services separately through our SelectCare arrangements.

For the lease component, we estimate the stand-alone selling price using the projected cash outflows related to the 
underlying leased vehicle, net of the estimated disposal proceeds, and a certain targeted return considering the weighted average 
cost of capital. For the non-lease component of the contract, we estimate the stand-alone selling price of the maintenance 
component using an expected cost-plus margin approach. The expected costs are based on our historical costs of providing 
maintenance services in our ChoiceLease arrangements. The margin is based on the historical margin percentages for our full 
service maintenance contracts in the SelectCare product line, as the maintenance performance obligation in those contracts is 
similar to maintenance in our ChoiceLease arrangements.

Our SCS and DTS contracts with customers often include promises to transfer multiple services to a customer. 
Determining whether these services are considered distinct performance obligations that should be accounted for separately 
versus together may require significant judgment. Our SCS and DTS services depend on a significant level of integration and 
interdependency between the services provided within a contract. Judgment is required to determine whether each service is 
considered distinct and accounted for as a separate performance obligation, or accounted for together as a significant integrated 
service and recognized over time. In making this judgment, we consider whether the services provided, within the context of 
the contract, represent the transfer of individual services or a combined bundle of services to the customer. This involves 
evaluating the promises to a customer within a contract to identify the services that need to be performed in order for the 
promise to be satisfied. Since multiple services that occur at different points in time during a contract may be accounted for as 
an integrated service, judgment is required to assess the pattern of delivery to our customers.

Contract Balances 

We do not have material contract assets as we generally invoice customers as we perform services. Contract receivables 

are recorded in “Receivables, net” in the Consolidated Balance Sheets. Payment terms vary by contract type, although terms 
generally include a requirement of payment within 15 to 90 days. As a practical expedient, we do not assess whether a contract 
has a significant financing component as the period between the receipt of customer payment and the transfer of service to the 
customer is less than a year. 

Our contract liabilities consist primarily of the portion of our ChoiceLease billings allocated to maintenance services that 

have not yet been performed. We record deferred revenues when cash payments are received or due in advance of our 
performance, including amounts that are refundable. We classify deferred revenue for performance obligations we expect to 
perform within 12 months as current liabilities and for performance obligations to be performed later than 12 months as other 
non-current liabilities. Refer to Note 4, "Revenue," for further information.

Costs to Obtain and Fulfill a Contract  

Our incremental direct costs of obtaining and fulfilling a contract, which primarily consist of sales commissions and start-

up costs, are capitalized and amortized over the period of contract performance or a longer period, generally the estimated life 
of the customer relationship if renewals are expected and the renewal commission is not commensurate with the initial 
commission. We capitalize incremental direct costs of obtaining a contract that i) relate directly to the contract and ii) are 
expected to be recovered through revenue generated under the contract. This requires an evaluation of whether the costs are 
incremental and would not have occurred absent the customer contract.

The current and non-current portions of incremental costs to obtain and fulfill a contract are included in “Prepaid expenses 

and other current assets” and “Sales-type leases and other assets,” respectively, in the Consolidated Balance Sheets. Costs are 
amortized in “Selling, general and administrative expenses” in the Consolidated Statements of Earnings on a straight-line basis 
over the expected period of benefit. Refer to Note 4, "Revenue," for further information.

79

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

Leases

Leases as Lessor

We lease revenue earning equipment to customers for periods generally ranging from three to seven years for trucks and 
tractors and up to ten years for trailers. We determine if an arrangement is or contains a lease at inception. The standard lease 
agreement for revenue earning equipment provides both parties the right to terminate; therefore, we evaluate whether the lessee 
is reasonably certain to exercise the termination option in order to determine the appropriate lease term. If we terminate, the 
customer has the right (but not obligation) to purchase the vehicle. If the customer terminates, we have the option to require the 
customer to purchase the vehicle or pay a termination penalty. Our leases generally do not provide either party an option to 
renew the lease. We also rent revenue earning equipment to customers on a short-term basis, from one day up to one year in 
length. From time to time, we may also lease facilities to third parties. The majority of our leases are classified as operating 
leases. However, some of our revenue earning equipment leases are classified as sales-type leases. Refer to Note 7, "Revenue 
Earning Equipment, Net" for further information on our estimates of residual values and useful lives of revenue earning 
equipment which impact our sales-type leases.

Leases as Lessee

We lease facilities, revenue earning equipment, material handling equipment, automated washing machines, vehicles and 

office equipment. We determine if an arrangement is or contains a lease at inception. Effective with the adoption of the new 
lease accounting standard, we have established right-of-use (ROU) assets, which represent our right to use an underlying asset 
for the lease term, and lease liabilities, which represent our obligation to make lease payments arising from the lease. Operating 
lease ROU assets and operating lease liabilities are recognized based on the present value of lease payments over the lease term 
at commencement date. As most of our leases do not provide an implicit rate of return, we use our incremental borrowing rate 
based on the information available at commencement date in determining the present value of lease payments. We use the 
implicit rate when readily determinable. Operating lease ROU assets also exclude lease incentives received. We pay variable 
lease charges related to property taxes, insurance and maintenance as well as changes in CPI for leased facilities; usage-based 
fees for revenue earning equipment, automated washing machines, vehicles and office equipment; and hours of operation for 
material handling equipment. For leases with a term of 12 months or less, with the exception of our real estate leases, we do not 
recognize a ROU asset or liability and recognize lease payments in our income statement on a straight-line basis over the lease 
term and variable lease payments in the period in which the obligation for those payments is incurred.

Lease terms for facilities are generally three to five years with one or more five-year renewal options and the lease terms 
for revenue earning equipment, material handling equipment, automated washing machines and vehicles typically range from 
three to seven years with no extension options. For purposes of calculating operating lease ROU assets and operating lease 
liabilities, lease terms may be deemed to include options to extend or terminate the lease when it is reasonably certain that we 
will exercise that option. Macroeconomic conditions is the primary factor used to estimate whether an option to extend a lease 
term will be exercised or not. None of our leasing arrangements contain restrictive financial covenants. Certain of our material 
handling equipment leases have residual value guarantees. Refer to Note 13, "Leases," for additional information.

Accounts Receivable Allowance

We maintain an allowance for uncollectible customer receivables and an allowance for billing adjustments related to 
certain discounts and other customer concessions. Estimates are updated regularly based on historical experience of bad debts 
and billing adjustments processed, current collection trends, and aging analysis. Accounts are charged against the allowance 
when determined to be uncollectible. 

Inventories

Inventories, which consist primarily of fuel, tires and vehicle parts, are valued at the lower of cost using the weighted-

average cost basis, or net realizable value.

80

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

Revenue Earning Equipment, Operating Property and Equipment, and Depreciation

Revenue earning equipment, comprised of vehicles, and operating property and equipment are initially recorded at cost 

inclusive of vendor rebates. Revenue earning equipment and operating property and equipment recognized as finance leases are 
initially generally recorded at the lower of the present value of the lease payments to be made over the lease term or fair value. 
Vehicle repairs and maintenance that extend the life or increase the value of a vehicle are capitalized, whereas ordinary repairs 
and maintenance (including tire replacement or repair) are expensed as incurred. Direct costs incurred in connection with 
developing or obtaining internal-use software are capitalized. Costs incurred during the preliminary stage of a software 
development project, as well as maintenance and training costs, are expensed as incurred.

Provision for depreciation is computed using the straight-line method on all depreciable assets. Depreciation expense has 

been recognized throughout the Consolidated Statement of Earnings depending on the nature of the related asset. We 
periodically review and adjust, as appropriate, the estimated residual values and useful lives of revenue earning equipment for 
purposes of recording depreciation expense as described in Note 7, “Revenue Earning Equipment, Net”.

Leasehold improvements are depreciated over the shorter of their estimated useful lives or the term of the related lease. If 

a substantial additional investment is made in a leased property during the term of the lease, we re-evaluate the lease term to 
determine whether the investment, together with any penalties related to non-renewal, would constitute an economic penalty in 
such amount that renewal appears to be reasonably assured.

We routinely dispose of used revenue earning equipment as part of our FMS business. Refer to Note 7, “Revenue Earning 

Equipment, Net” for more information. Gains and losses on sales of operating property and equipment are reflected in 
“Miscellaneous income, net” in the Consolidated Statement of Earnings. 

Goodwill and Other Intangible Assets

Goodwill represents the excess of the purchase price over the fair value of the underlying acquired net tangible and 
intangible assets. Goodwill and other intangible assets with indefinite useful lives are not amortized, but rather, are tested for 
impairment at least annually as of October 1 of each year, or more frequently if events or circumstances indicate the carrying 
value of goodwill may be impaired. In evaluating goodwill for impairment, we have the option to first assess qualitative factors 
to determine whether further impairment testing is necessary, such as macroeconomic conditions, changes in our industry and 
the markets in which we operate, and our market capitalization as well as our reporting units' historical and expected future 
financial performance.

If we conclude that it is more likely than not that a reporting unit's fair value is less than its carrying value or we bypass 

the optional qualitative assessment, recoverability is assessed by comparing the fair value of the reporting unit with its carrying 
amount. If a reporting unit's carrying value exceeds its fair value, we will measure any goodwill impairment losses as the 
amount by which the carrying amount of a reporting unit exceeds its fair value, not to exceed the total amount of goodwill 
allocated to that reporting unit.

Our estimate of fair value for reporting units is determined based on a combination of both an income and market 

approach. Under the market approach, we use a selection of comparable publicly-traded companies that correspond to the 
reporting unit to derive a market-based multiple. Under the income approach, the fair value of the reporting unit is estimated 
based on the discounted present value of the projected future cash flows. Rates used to discount cash flows are dependent upon 
interest rates and the cost of capital based on our industry and capital structure, adjusted for equity and size risk premiums 
based on market capitalization. Estimates of future cash flows are dependent on our knowledge and experience about past and 
current events and significant judgments and assumptions about conditions we expect to exist, including revenue growth rates, 
margins, long-term growth rates, capital requirements, proceeds from the sale of used vehicles, the ability to utilize our tax net 
operating losses, and the discount rate. Our estimates of cash flows are also based on historical and future operating 
performance, economic conditions and actions we expect to take. In addition to these factors, our SCS and DTS reporting units 
are dependent on several key customers or industry sectors. The loss of a key customer may have a significant impact to our 
SCS or DTS reporting units, causing us to assess whether or not the event resulted in a goodwill impairment loss. 

In making our assessments of fair value, we rely on our knowledge and experience about past and current events and 

assumptions about conditions we expect to exist in the future. These assumptions are based on a number of factors, including 
future operating performance, economic conditions, actions we expect to take and present value techniques. There are inherent 
uncertainties related to these factors and management’s judgment in applying them to the analysis of goodwill impairment. It is 

81

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

possible that assumptions underlying the impairment analysis will change in such a manner that impairment in value may occur 
in the future.

Identifiable intangible assets not subject to amortization are assessed for impairment using a similar process used to 

evaluate goodwill as described above. Intangible assets with finite lives are amortized over their respective estimated useful 
lives. Identifiable intangible assets that are subject to amortization are evaluated for impairment using a similar process used to 
evaluate long-lived assets described below.

Impairment of Long-Lived Assets Other than Goodwill and Indefinite-Lived Intangible Assets

Long-lived assets held and used, including revenue earning equipment, operating property and equipment, and intangible 
assets with finite lives, are tested for recoverability when circumstances indicate that the carrying amount of assets may not be 
recoverable. Recoverability of long-lived assets is evaluated by comparing the carrying value of an asset or asset group to 
management’s best estimate of the undiscounted future operating cash flows (excluding interest charges) expected to be 
generated by the asset or asset group. If these comparisons indicate that the carrying value of the asset or asset group is not 
recoverable, an impairment loss is recognized for the amount by which the carrying value of the asset or asset group exceeds 
fair value. Fair value is determined by a quoted market price, if available, or an estimate of projected future operating cash 
flows, discounted using a rate that reflects the related operating segment’s average cost of funds. Long-lived assets to be 
disposed of, including revenue earning equipment and operating property and equipment, are reported at the lower of carrying 
amount or fair value less costs to sell.

Self-Insurance Accruals

We retain a portion of the accident risk under auto liability, workers’ compensation and other insurance programs. Under 

our insurance programs, we retain the risk of loss in various amounts, generally up to $3 million on a per occurrence basis. Self-
insurance accruals are based primarily on an actuarially estimated, undiscounted cost of claims, which includes claims incurred 
but not reported. Historical loss development factors are utilized to project the future development of incurred losses, and these 
amounts are adjusted based upon actual claim experience and settlements. While we believe that the amounts are adequate, 
there can be no assurance that changes to our actuarial estimates may not occur due to limitations inherent in the estimation 
process. Changes in the actuarial estimates of these liabilities are charged or credited to earnings in the period determined. 
Amounts estimated to be paid within the next year have been classified as “Accrued expenses and other current liabilities” with 
the remainder included in “Other non-current liabilities” in our Consolidated Balance Sheets.

We also maintain additional insurance at certain amounts in excess of our respective underlying retention. Amounts 
recoverable from insurance companies are not offset against the related liability as our insurance policies do not extinguish or 
provide legal release from the obligation to make payments related to such risk-related losses. Amounts expected to be received 
within the next year from insurance companies have been included within “Receivables, net” with the remainder included in 
“Sales-type leases and other assets” and are recognized only when realization of the claim for recovery is considered probable. 

Income Taxes

Our provision for income taxes is based on reported earnings before income taxes. Deferred taxes are recognized for the 

future tax effects of temporary differences between the financial statement carrying amounts of existing assets and liabilities 
and their respective tax bases, using tax rates in effect for the years in which the differences are expected to reverse. 

Valuation allowances are recognized to reduce deferred tax assets to the amount that is more likely than not to be realized. 

In assessing the likelihood of realization, management considers estimates of future sources of taxable income. We calculate 
our current and deferred tax position based on estimates and assumptions that could differ from the actual results reflected in 
income tax returns filed in subsequent years. Adjustments based on filed returns are recorded when identified.

We are subject to tax audits in numerous jurisdictions in the U.S. and around the world. Tax audits by their very nature are 

often complex and can require several years to complete. In the normal course of business, we are subject to challenges from 
the Internal Revenue Service (IRS) and other tax authorities regarding amounts of taxes due. These challenges may alter the 
timing or amount of taxable income or deductions, or the allocation of income among tax jurisdictions. As part of our 
calculation of the provision for income taxes on earnings, we determine whether the benefits of our tax positions are at least 
more likely than not of being sustained upon audit based on the technical merits of the tax position. The tax benefit to be 
recognized is measured as the largest amount of benefit that is greater than fifty percent likely of being realized upon ultimate 
settlement. Such accruals require management to make estimates and judgments with respect to the ultimate outcome of a tax 
82

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

audit. Actual results could vary materially from these estimates. We adjust these reserves as well as the impact of any related 
interest and penalties in light of changing facts and circumstances, such as the progress of a tax audit.

Interest and penalties related to income tax exposures are recognized as incurred and included in "Provision for (benefit 
from) income taxes” in our Consolidated Statements of Earnings. Accruals for income tax exposures, including penalties and 
interest, expected to be settled within the next year are included in “Accrued expenses and other current liabilities” with the 
remainder included in “Other non-current liabilities” in our Consolidated Balance Sheets. The federal benefit from state income 
tax exposures is included in “Deferred income taxes” in our Consolidated Balance Sheets.

Severance and Contract Termination Costs

We recognize liabilities for severance and contract termination costs based upon the nature of the cost to be incurred. For 
involuntary separation plans that are completed within the guidelines of our written involuntary separation plan, we recognize 
the liability when it is probable and reasonably estimable. For one-time termination benefits, such as additional severance pay 
or benefit payouts, and other exit costs, such as contract termination costs, the liability is measured and recognized initially at 
fair value in the period in which the liability is incurred, with subsequent changes to the liability recognized as adjustments in 
the period of change. Severance related to position eliminations that are part of a restructuring plan is included in 
"Restructuring and other items, net” in the Consolidated Statements of Earnings. Severance costs that are not part of a 
restructuring plan are recognized in the period incurred as a direct cost of revenue or within “Selling, general and administrative 
expenses” in the Consolidated Statements of Earnings depending upon the nature of the eliminated position.

Environmental Expenditures

We recognize liabilities for environmental matters when it is probable a loss has been incurred and the costs can be 

reasonably estimated. Environmental liability estimates may include costs such as anticipated site testing, consulting, 
remediation, disposal, post-remediation monitoring and legal fees, as appropriate. The liability does not reflect possible 
recoveries from insurance companies or reimbursement of remediation costs by state agencies, but does include estimates of 
cost sharing with other potentially responsible parties. Estimates are not discounted, as the timing of the anticipated cash 
payments is not fixed or readily determinable. Subsequent adjustments to initial estimates are recognized as necessary based 
upon additional information developed in subsequent periods. In future periods, new laws or regulations, advances in 
remediation technology, or additional information about the ultimate remediation methodology to be used could significantly 
change our estimates. Claims for reimbursement of remediation costs are recognized when recovery is deemed probable.

Derivative Instruments and Hedging Activities

We use financial instruments, including forward exchange contracts and swaps, to manage our exposures to movements in 

interest rates and foreign currency exchange rates. The use of these financial instruments modifies the exposure of these risks 
with the intent to reduce the risk or cost to us. We do not enter into derivative financial instruments for trading purposes. We 
limit our risk that counterparties to the derivative contracts will default and not make payments by entering into derivative 
contracts only with counterparties comprised of large banks and financial institutions that meet established credit criteria. We 
do not expect to incur any losses as a result of counterparty default.

On the date a derivative contract is executed, we formally document, among other items, the intended hedging designation 

and relationship, along with the risk management objectives and strategies for entering into the derivative contract. We also 
formally assess, both at inception and on an ongoing basis, whether the derivatives we used in hedging transactions are highly 
effective in offsetting changes in fair values or cash flows of hedged items. Cash flows from derivatives that are accounted for 
as hedges are classified in the Consolidated Statements of Cash Flows in the same category as the items being hedged. When it 
is determined that a derivative is not highly effective as a hedge or that it has ceased to be a highly effective hedge, we 
discontinue hedge accounting prospectively. The fair value of our derivatives was not material as of December 31, 2019 and 
2018.

The hedging designation may be classified as one of the following:

No Hedging Designation.  The unrealized gain or loss on a derivative instrument not designated as an accounting hedging 

instrument is recognized immediately in earnings.

83

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

Fair Value Hedge.  A hedge of a recognized asset or liability or an unrecognized firm commitment is considered a fair 

value hedge. For fair value hedges, both the effective and ineffective portions of the changes in the fair value of the derivative, 
along with the gain or loss on the hedged item that is attributable to the hedged risk, are both recognized in earnings.

Cash Flow Hedge.  A hedge of a forecasted transaction or of the variability of cash flows to be received or paid related to 

a recognized asset or liability is considered a cash flow hedge. The effective portion of the change in the fair value of a 
derivative that is declared as a cash flow hedge is recognized net of tax in “Accumulated other comprehensive loss” in the 
Consolidated Balance Sheets until earnings are affected by the variability in cash flows of the designated hedged item.

Foreign Currency Translation

Our foreign operations generally use local currency as their functional currency. Assets and liabilities of these operations 

are translated at the exchange rates in effect on the balance sheet date. Items in the Consolidated Statements of Earnings are 
translated at the average exchange rates for the year. The impact of currency fluctuations on our balance sheet is presented in 
“Changes in cumulative translation adjustment and other” in the Consolidated Statements of Comprehensive Income. Upon 
sale, or upon complete or substantially complete liquidation of an investment in a foreign operation, the currency translation 
adjustment attributable to that operation is removed from accumulated other comprehensive loss and is reported as part of the 
gain or loss on sale or liquidation of the investment for the period during which the sale or liquidation occurs. Gains and losses 
resulting from foreign currency transactions are recognized in “Miscellaneous income, net” in the Consolidated Statements of 
Earnings.

Share-Based Compensation

The fair value of stock option awards and nonvested stock awards other than restricted stock units (RSUs) is expensed on 
a straight-line basis over the vesting period of the awards. RSUs are expensed in the year they are granted. Windfall tax benefits 
and tax shortfalls are charged directly to income tax expense.

Earnings Per Share

Earnings per share is computed using the two-class method. The two-class method of computing earnings per share is an 
earnings allocation formula that determines earnings per share for common stock and any participating securities according to 
dividends declared (whether paid or unpaid) and participation rights in undistributed earnings. RSUs are considered 
participating securities since the share-based awards contain a non-forfeitable right to dividend equivalents irrespective of 
whether the awards ultimately vest. Under the two-class method, earnings per common share are computed by dividing the sum 
of distributed earnings to common shareholders and undistributed earnings allocated to common shareholders by the weighted 
average number of common shares outstanding for the period. In applying the two-class method, undistributed earnings are 
allocated to both common shares and participating securities based on the weighted average shares outstanding during the 
period.

Diluted earnings per common share reflect the dilutive effect of potential common shares from stock options and other 

nonparticipating nonvested stock. The dilutive effect of stock options is computed using the treasury stock method, which 
assumes any proceeds that could be obtained upon the exercise of stock options or vesting of stock awards would be used to 
purchase common shares at the average market price for the period. The assumed proceeds include the purchase price the 
grantee pays and the unrecognized compensation expense at the end of each period.

Share Repurchases

Repurchases of shares of common stock are made periodically in open-market transactions and are subject to market 

conditions, legal requirements and other factors. The cost of share repurchases is allocated between additional paid-in capital 
and retained earnings based on the amount of additional paid-in capital at the time of the share repurchase.

Defined Benefit Pension and Postretirement Benefit Plans

The funded status of our defined benefit pension plans and postretirement benefit plans are recognized in the Consolidated 

Balance Sheets. The funded status is measured as the difference between the fair value of plan assets and the benefit obligation 
at December 31, the measurement date. The fair value of plan assets represents the current market value of contributions made 
to irrevocable trusts, held for the sole benefit of participants, which are invested by the trusts. For defined benefit pension plans, 
the benefit obligation represents the actuarial present value of benefits expected to be paid upon retirement based on estimated 

84

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

future compensation levels. For postretirement benefit plans, the benefit obligation represents the actuarial present value of 
postretirement benefits attributed to employee services already rendered. Overfunded plans, with the fair value of plan assets 
exceeding the benefit obligation, are aggregated and reported as a pension asset. Underfunded plans, with the benefit obligation 
exceeding the fair value of plan assets, are aggregated and reported as a pension and postretirement benefit liability.

 The current portion of pension and postretirement benefit liabilities represents the actuarial present value of benefits 

payable within the next year exceeding the fair value of plan assets (if funded), measured on a plan-by-plan basis. These 
liabilities are recognized in “Accrued expenses and other current liabilities” in the Consolidated Balance Sheets.

Pension and postretirement benefit expense includes service cost, interest cost, and expected return on plan assets (if 

funded). Pension costs include amortization of net prior service costs loss and net actuarial loss. Postretirement costs include 
amortization of net prior service credit and net actuarial gain. Service cost represents the actuarial present value of participant 
benefits earned in the current year. The expected return on plan assets represents the average rate of earnings expected on the 
funds invested or to be invested to provide for the benefits included in the obligation. Prior service cost represents the impact of 
plan amendments. Net actuarial losses arise as a result of differences between actual experience and assumptions or as a result 
of changes in actuarial assumptions. Net actuarial gain/loss and prior service cost/credit not recognized as a component of 
pension and postretirement benefit expense as they arise are recognized as "Change in net actuarial loss and prior service cost, 
net of tax" in the Consolidated Statements of Comprehensive Income. These pension and postretirement items are subsequently 
amortized as a component of pension and postretirement benefit expense over the remaining service period if the majority of  
the employees are active, otherwise over the remaining life expectancy, provided such amounts exceed thresholds based upon 
the benefit obligation or the value of plan assets.

The measurement of benefit obligations and pension and postretirement benefit expense is based on estimates and 
assumptions approved by management. These valuations reflect the terms of the plans and use participant-specific information 
such as compensation, age and years of service, as well as certain assumptions, including estimates of discount rates, expected 
return on plan assets, rate of compensation increases, interest rates and mortality rates.

Fair Value Measurements

We carry various assets and liabilities at fair value in the Consolidated Balance Sheets, including vehicles held for sale, 

investments held in Rabbi Trusts and pension assets.

Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) 
in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on 
the measurement date. Fair value measurements are classified based on the following fair value hierarchy:

Level 1 Quoted prices (unadjusted) in active markets for identical assets or liabilities that we have the ability to access

at the measurement date. An active market for the asset or liability is a market in which transactions for the
asset or liability occur with sufficient frequency and volume to provide pricing information on an ongoing
basis.

Level 2 Observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices
in markets that are not active; or model-derived valuations or other inputs that are observable or can be
corroborated by observable market data for substantially the full term of the assets or liabilities.

Level 3 Unobservable inputs for the asset or liability. These inputs reflect our own assumptions about the assumptions a

market participant would use in pricing the asset or liability.

When available, we use unadjusted quoted market prices to measure fair value and classify such measurements within 
Level 1. If quoted prices are not available, fair value is based upon model-driven valuations that use current market-based or 
independently sourced market parameters such as interest rates and currency rates. Items valued using these models are 
classified according to the lowest level input or value driver that is significant to the valuation.

The carrying amounts reported in the Consolidated Balance Sheets for cash and cash equivalents, accounts receivable and 
accounts payable approximate fair value due to the immediate or short-term maturities of these financial instruments. Revenue 
earning equipment held for sale is measured at fair value on a nonrecurring basis and is stated at the lower of carrying amount 
or fair value less costs to sell. Investments held in Rabbi Trusts and derivatives are carried at fair value on a recurring basis. 

85

       
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

Investments held in Rabbi Trusts include exchange-traded equity securities and mutual funds. Fair values for these investments 
are based on quoted prices in active markets. Refer to Note 20, "Employee Benefit Plans," for further information regarding 
pension assets. 

2.     RECENT ACCOUNTING PRONOUNCEMENTS 

Income Taxes

In December 2019, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) No. 

2019-12, Simplifying the Accounting for Income Taxes (Topic 740). This pronouncement enhances and simplifies various 
aspects of income tax accounting guidance. Among other things, the amendment removes the year-to-date loss limitation in 
interim-period tax accounting and requires entities to reflect the effect of an enacted change in tax laws in the interim period 
that includes the enactment date of the new legislation. The standard is effective for fiscal years beginning after December 15, 
2020, and interim periods within those fiscal years, with early adoption permitted. We are currently evaluating the impact of the 
adoption of this update on our consolidated financial position, results of operations, and cash flows.

Cloud Computing Arrangements

In August 2018, the FASB issued ASU No. 2018-15, Intangibles - Goodwill and Other - Internal Use Software (Topic 
350-40): Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That Is a Service 
Contract, which addresses a customer’s accounting for implementation costs incurred in a cloud computing arrangement (CCA) 
that is a service contract. ASU 2018-15 aligns the accounting for costs incurred to implement a CCA that is a service 
arrangement with the guidance on capitalizing costs associated with developing or obtaining internal-use software. The standard 
is effective for fiscal years beginning after December 15, 2019, with early adoption permitted. Entities are permitted to apply 
either a retrospective or prospective approach to adopt the guidance. We are currently evaluating the impact of the adoption of 
this update on our consolidated financial position, results of operations, and cash flows.

Measurement of Credit Losses on Financial Instruments

In June 2016, the FASB issued ASU No. 2016-13, Financial Instruments - Credit Losses (Topic 326). This 

pronouncement, along with subsequent ASUs issued to clarify certain provisions of ASU 2016-13, modifies the measurement of 
expected credit losses of certain financial instruments, including accounts receivable (excluding those related to operating 
leases) and net investments in sales-type leases. Among other things, these amendments require the measurement of all 
expected credit losses for financial assets held at the reporting date based on historical experience, current conditions, and 
reasonable and supportable forecasts. The standard is effective for fiscal years beginning after December 15, 2019, with early 
adoption permitted. The standard requires a cumulative-effect adjustment to the statement of financial position as of the 
beginning of the first reporting period in which the guidance is effective. Periods prior to the adoption date that are presented 
for comparative purposes are not adjusted. We are currently evaluating the impact of the adoption of this update on our 
consolidated financial position, results of operations, and cash flows.

Derivatives and Hedging

In August 2017, the FASB issued ASU No. 2017-12, Derivatives and Hedging (Topic 815). This pronouncement, along 

with ASU No. 2019-04, Codification Improvements to Topic 326, Financial Instruments—Credit Losses, Topic 815, 
Derivatives and Hedging, and Topic 825, Financial Instruments, were issued to clarify certain provisions of these ASUs, 
simplifies and clarifies the accounting and disclosure for hedging activities by more closely aligning the results of cash flow 
and fair value hedge accounting with the risk management activities of an entity. The amendments in this update are effective 
for annual periods, and interim periods within those annual periods, beginning after December 15, 2018, with early adoption 
permitted. We adopted this standard during the first quarter of 2019 and it did not impact our consolidated financial position, 
results of operations, or cash flows.

Leases

In February 2016, the FASB issued Topic 842, which sets out the principles for the identification, measurement, 

recognition, presentation and disclosure of leases and its related updates. Topic 842 impacts the accounting for both lessors and 
lessees. We have adopted the standard effective January 1, 2019, using the modified retrospective transition method and initial 

86

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

application date of January 1, 2017. For all facilities and equipment that we lease, we have elected the practical expedient to 
combine lease and non-lease components. For our existing operating and finance leases that commenced before the date of 
initial application where we are the lessee, we have made an accounting policy election to use the incremental borrowing rate 
considering the remaining lease term and remaining minimum rental payments. In calculating the change in ROU assets from a 
lease modification that decreases our rights as lessee to use one or more underlying assets, we have made an accounting policy 
election of remeasuring the ROU asset based on how much of the original right of use remains after modification.

The new standard requires lessors to identify and evaluate the lease and non-lease components in arrangements containing 

a lease, provides clarification on the scope of non-lease components and provides more guidance on how to identify and 
separate the components. From a lessor perspective, the adoption of the new lease standard primarily impacts our ChoiceLease 
product line, which includes a vehicle lease as well as maintenance and other services.

The standard requires lessees to classify leases as either finance or operating leases. This classification determines 
whether the related expense is recognized based on asset amortization and interest on the obligation (finance leases) or on a 
straight-line basis over the term of the lease (operating lease). We recorded a ROU asset and a lease liability for all leases with a 
term of greater than 12 months regardless of their classification. We have elected the practical expedient to not apply these 
recognition requirements to leases with a term of 12 months or less with the exception of our real estate leases. Instead we 
recognize the lease payments on a straight-line basis over the lease term and variable lease payments in the period in which the 
obligation for those payments is incurred.

Effective with the adoption of the new leasing accounting standard in 2019, we recorded an after-tax cumulative effect 

adjustment to decrease retained earnings as of January 1, 2017 primarily to recognize a contract liability (deferred revenue) 
related to maintenance services, which was partially offset by costs capitalized related to sales commissions and is reflected in 
the Consolidated Statements of Shareholders' Equity. 

87

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

Adoption of the new lease standard impacted our previously reported Consolidated Statements of Earnings and 

Comprehensive Income results as follows (in millions, except per share amounts):

Year ended December 31, 2018

Year ended December 31, 2017

As
Previously
Reported

Lessor 
Adjustments (1)

Lessee and 
Other 
Adjustments (1)

As
Revised

As
Previously
Reported

Lessor 
Adjustments (1)

Lessee and 
Other 
Adjustments (1)

As
Revised

Lease & related maintenance 
and rental revenues (1)

$ 3,508.1 $

Total revenues

8,409.2

3.5 $

3.5

1.3 $ 3,512.9

$ 3,237.7 $

(17.0) $

— $ 3,220.7

1.3

8,413.9

7,297.1

(17.0)

— 7,280.1

Cost of lease & related 

maintenance and rental (1)

Cost of services (2)
Other operating expenses

Selling, general and 

administrative expenses (2)

Used vehicle sales, net

Interest expense

Restructuring and other 

items, net (2)

Earnings (loss) from

continuing operations
before income taxes

Provision for (benefit from)

income taxes

Earnings (loss) from

continuing operations

Net earnings (loss)

Comprehensive income

Earnings (loss) per common

share - Basic

 Continuing operations

        Net earnings (loss)

Earnings (loss) per common

share - Diluted

 Continuing operations

        Net earnings (loss)

$

$

$
$

$
$

2,566.3

3,655.8
125.3

854.8

21.7
178.6

25.1

373.9

98.3

275.6

(10.9)

—
—

(2.5)

0.6
—

—

16.3

4.3

12.0

— 2,555.4

2,355.0

(1.8)

— 2,353.2

7.6
(1.4)

(2.9)

—
1.9

3,663.3
124.0

2,970.8
115.5

849.4

22.3
180.5

871.2

17.2
140.4

21.4

(3.3)

21.9

—
—

2.1

(0.3)
—

—

6.6
(0.5)

(2.4)

—
1.5

2,977.4
115.0

870.9

17.0
141.9

(4.1)

17.3

(0.7)

389.5

314.5

(17.0)

(1.1)

296.4

—

102.5

(477.7)

54.1

— (423.7)

(0.7)

286.9

792.3

(71.1)

(1.1)

720.1

273.3 $

12.0 $

(0.7) $

284.6

170.0 $

14.3 $

— $

184.4

5.24 $
5.20 $

0.22 $
0.22 $

— $
— $

5.46
5.41

5.21 $
5.17 $

0.22 $
0.22 $

— $
— $

5.43
5.38

$

$

$
$

$
$

791.8 $

(71.1) $

(1.1) $

719.6

918.4 $

(75.5)

— $

842.8

15.00 $
15.00 $

(1.36) $
(1.36) $

— $
— $

13.64
13.63

14.90 $
14.89 $

(1.36) $
(1.36) $

— $
— $

13.54
13.53

————————————
(1)  We determined that certain lessor arrangements of revenue earning equipment historically accounted for as operating leases should have been accounted 
for as direct financing leases. Additionally, we evaluated our leases for classification and determined that certain lessee arrangements, primarily real 
estate leases, historically accounted for as operating leases should have been accounted for as capital leases. The prior period error was corrected by 
reducing "Lease & related maintenance and rental revenues" by approximately $19 million and $15 million during the years ended December 31, 2018 
and 2017, respectively. We also reduced depreciation expense (included in "Cost of lease & related maintenance and rental") by approximately $17 
million and $14 million during the years ended December 31, 2018 and 2017, respectively. We concluded these errors were not material to any of our 
previously issued consolidated financial statements.

(2)  Adjustments primarily reflect the reclassification of our Singapore operations that were shut down during 2019 into "Restructuring and other items, net,".

Note: Amounts may not be additive due to rounding.

88

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

Adoption of the new lease standard impacted our previously reported Consolidated Balance Sheet as follows (in millions):

Receivables, net

Prepaid expenses and other current assets

Total current assets

Revenue earning equipment, net

Operating property and equipment, net

Sales-type leases and other assets

Total assets

Short-term debt and current portion of long term-debt

Accrued expenses and other current liabilities

Total current liabilities

Long-term debt

Other non-current liabilities

Deferred income taxes

Total liabilities

Retained earnings

Accumulated other comprehensive loss

Total shareholders' equity

Total liabilities and shareholders' equity

December 31, 2018

As Previously

Reported

Lessor
Adjustment (1)

Lessee
Adjustment (1)

As Revised

$

1,219.4

$

201.6

1,568.4

9,498.0

843.8

606.6

13,051.1

930.0

630.5

2,292.3

5,693.6

849.9
1,304.8

10,140.8

2,710.7
(911.3)
2,910.3

13,051.1

22.6
(23.3)
(0.7)
(84.2)
—

156.8

72.0

—

145.1

145.1

—

421.2
(124.6)
441.7
(369.6)
(0.1)
(369.7)
72.0

$

— $

—

—

2.2

18.2

204.3

224.7

7.2

72.2

79.3

18.5

131.5
(0.5)
228.8
(3.8)
(0.2)
(4.1)
224.7

1,242.1

178.3

1,567.7

9,416.0

862.1

967.8

13,347.8

937.1

847.7

2,516.7

5,712.1

1,402.6
1,179.7

10,811.2

2,337.3
(911.6)
2,536.6

13,347.8

————————————
(1)  We determined that in a prior period certain lessor arrangements of revenue earning equipment historically accounted for as operating leases should
have been accounted for as direct financing leases. Additionally, we evaluated our leases for classification and determined that certain lessee
arrangements, primarily real estate leases, historically accounted for as operating leases should have been accounted for as capital leases. The prior
period error was corrected by increasing "Receivables, net" by approximately $24 million and also increasing "sales-type leases and other assets" by 
approximately $65 million and reducing "Revenue earning equipment, net" by $83 million. We concluded these errors were not material to any of our
previously issued consolidated financial statements.

Note: Amounts may not be additive due to rounding.

89

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

Adoption of the new lease standard impacted our previously reported Consolidated Statements of Cash Flows as follows 

(in millions):

Year ended December 31, 2018

Year ended December 31, 2017

As Revised

As Previously
Reported

New Lease
Standard
Adjustments

As Previously
Reported

New Lease
Standard
Adjustments

$

273.3 $

11.3 $

275.6

1,395.0

21.7

31.2

—

104.6

—

11.3
(6.4)
0.6

36.8

81.1

4.3

82.8

284.6

286.9

1,388.6

22.3

67.9

81.1

108.9

82.8

(189.3)

(65.8)

3.1

(3.8)
(18.9)
(104.8)

(193.1)
(84.7)
(101.8)

$

791.8 $

792.3

1,255.2

17.2

8.3

—
(500.3)
—

(173.8)
(38.9)
78.4

(72.2) $
(72.2)
2.5
(0.3)

32.7

67.8

54.1

81.0

(5.0)
(56.9)
(23.6)

As Revised

719.6

720.1

1,257.7

17.0

41.0

67.8
(446.2)
81.0

(178.9)
(95.8)
54.8

1,635.1

82.9

1,718.0

1,548.0

80.1

1,628.1

75.0

(2,746.5)

(797.8)

(75.0)

(75.0)
(7.9)

—

73.2

(2,821.5)
(805.7)

(1,365.5)
(962.6)

(73.2)

(73.2)
(6.9)

—

(1,438.7)
(969.5)

1,093.4

(7.9)

1,085.5

(155.1)

(6.9)

(162.1)

Net earnings (loss)

Earnings (loss) from continuing operations

Depreciation expense

Used vehicle sales, net
Amortization expense and other non-cash charges,

net

Non-cash lease expense

Deferred income tax expense

Collections on sales-type leases and other items

Changes in operating assets and liabilities:

Receivables

Prepaid expenses and other assets

Accrued expenses and other non-current liabilities
Net cash provided by operating activities from

continuing operations

Collections on direct finance leases and other

items

Net cash used in investing activities from

continuing operations

Debt repaid
Net cash provided by (used in) financing activities

from continuing operations

Note: Amounts may not be additive due to rounding.

3.     ACQUISITIONS 

On April 2, 2018, we acquired all of the outstanding equity of MXD Group, Inc. (MXD), an e-commerce fulfillment 
provider with a national network of facilities, including last mile delivery capabilities, for a purchase price of $118 million. The 
acquisition is included in our SCS business segment. The assets, liabilities and results of operations of MXD were not material 
to our consolidated financial position or results of operations and therefore financial information for the acquisition is not 
presented.

On June 15, 2018, we acquired all of the outstanding equity of Metro Truck & Tractor Leasing (Metro), a full service 
leasing, rental and maintenance company for a purchase price of $52 million. The acquisition is included in our FMS business 
segment. The assets, liabilities and results of operations of Metro were not material to our consolidated financial position or 
results of operations and therefore financial information for the acquisition is not presented.

90

 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

4.     REVENUE

Disaggregation of Revenue

The following tables disaggregate our revenue by primary geographical market and industry:

Primary Geographical Markets

Year ended December 31, 2019

FMS

SCS

DTS

Eliminations

Total

United States

Canada

Europe

Mexico

Singapore

$ 4,965,461

$ 2,110,240

(In thousands)
$ 1,417,483

$

302,956

302,986

—

—

215,380

—

222,358

3,293

—

—

—

—

Total revenue

$ 5,571,403

$ 2,551,271

$ 1,417,483

$

(593,170) $ 7,900,014
(21,186)
497,150
—

302,986

—

222,358

—

3,293
(614,356) $ 8,925,801

Year ended December 31, 2018

FMS

SCS

DTS

Eliminations

Total

United States

Canada

Europe

Mexico

Singapore

$ 4,639,494

$ 1,990,486

(In thousands)
$ 1,333,313

$

302,106

317,093

—

—

185,655

—

198,147

23,856

—

—

—

—

Total revenue

$ 5,258,693

$ 2,398,144

$ 1,333,313

$

(554,764) $ 7,408,529
(21,440)
466,321
—

317,093

—

198,147

—

23,856
(576,204) $ 8,413,946

Year ended December 31, 2017

FMS

SCS

DTS

Eliminations

Total

United States

Canada

Europe

Mexico

Singapore

$ 4,128,814

$ 1,566,945

(In thousands)
$ 1,095,645

$

282,438

305,289

—

—

169,090

—

170,525

30,792

—

—

—

—

Total revenue

$ 4,716,541

$ 1,937,352

$ 1,095,645

$

Industry

(449,896) $ 6,341,508
(19,568)
431,960
—

305,289

—

170,525

—

30,792
(469,464) $ 7,280,074

We have a diversified portfolio of customers across a full array of transportation and logistics solutions and across many 

industries. We believe this will help to mitigate the impact of adverse downturns in specific sectors of the economy. Our 
portfolio of ChoiceLease and commercial rental customers is not concentrated in any one particular industry or geographic 
region. We derive a significant portion of our SCS revenue from the automotive industry, mostly from manufacturers and 
suppliers of original equipment parts. 

91

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

Our SCS business segment includes revenue from the following industries:

Automotive

Technology and healthcare

CPG and retail

Industrial and other

Total revenue

Contract Balances

Years ended December 31,

2019

2018
(In thousands)

2017

$

1,003,508

$

947,408

$

432,107

901,344

214,312

480,026

766,765

203,945

783,642

387,253

535,687

230,770

$

2,551,271

$

2,398,144

$

1,937,352

We record a receivable related to revenue recognized when we have an unconditional right to invoice. There were no 
material contract assets as of December 31, 2019 or 2018. Refer to Note 6, "Receivables, Net," for the amount of our trade 
receivables.

Contract liabilities relate to payments received in advance of performance under the contract. Changes in contract 
liabilities are due to additional billings and our performance under the contract. The amount of deferred revenue as of January 
1, 2019 recognized as revenue during the year ended December 31, 2019 was $181 million. In addition, we deferred 
consideration of $203 million received in advance of performance during the year ended December 31, 2019 resulting in an 
increase in deferred revenue. Deferred revenue was $587 million and $566 million as of December 31, 2019 and 2018, 
respectively, related to the maintenance services component of our ChoiceLease product line. 

Revenue allocated to remaining performance obligations represents contracted revenue that has not yet been recognized 

(“contracted not recognized revenue”). Contracted not recognized revenue includes deferred revenue and amounts for full 
service ChoiceLease maintenance revenue that will be recognized as revenue in future periods as we provide maintenance 
services to our customers. Contracted not recognized revenue excludes variable consideration as it is not included in the 
transaction price consideration allocated at contract inception, as well as amounts from contracts with an original duration of 
one year or less. Further, contracted not recognized revenue does not include amounts from remaining performance obligations 
when we have the right to invoice the customer for the value to the customer of our performance completed to date. Contracted 
not recognized revenue was $2.9 billion as of December 31, 2019. 

Costs to Obtain and Fulfill a Contract

We capitalize incremental sales commissions paid as a result of obtaining ChoiceLease, SCS and DTS contracts as 

contract costs. Capitalized sales commissions was $105 million and $107 million as of December 31, 2019 and 2018, 
respectively. Capitalized sales commissions include initial direct costs of our leases of $55 million and $53 million as of 
December 31, 2019 and 2018, respectively. Capitalized sales commissions are presented in “Sales-type leases and other assets” 
in the Consolidated Balance Sheets.

Capitalized sales commissions related to our ChoiceLease product are amortized based on the same pattern as the revenue 

is recognized for the underlying lease or non-lease components of the contract; generally on a straight-line basis for the lease 
component and consistent with the estimated pattern of maintenance costs for the non-lease component. We allocate the 
ChoiceLease commissions to the lease and non-lease components based on the same allocation of the contract consideration. 
The amortization period aligns with the term of our contract, which typically ranges from three to seven years, and the expense 
is included in “Selling, general and administrative expenses” in the Consolidated Statements of Earnings.

Capitalized sales commissions related to our SCS and DTS service contracts are amortized based on the same pattern as 
the revenue is recognized for the underlying contracts. This generally results in a straight-line amortization. The amortization 
period aligns with the expected term of the contract, which typically ranges from three to five years, and the expense is included 
in “Selling, general and administrative expenses” in the Consolidated Statement of Earnings. 

For the years ended December 31, 2019, 2018, and 2017, sales commission expense was $43 million, $37 million and $33 

million, respectively.

92

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

5.     RESTRUCTURING AND OTHER ITEMS, NET 

The following table presents the amounts within "Restructuring and other items, net" in the Consolidated Statements of 

Earnings that related to each segment in 2019, 2018 and 2017.

Fleet Management Solutions
Supply Chain Solutions
Dedicated Transportation Solutions
Central Support Services

Restructuring and other items, net

Years ended December 31,

2019

2018

(In thousands)

2017

$

$

33,275
(45)
—
23,338
56,568

$

$

16,785
4,413
—
654
21,852

$

$

2,995
(1,862)
771
15,361
17,265

In 2019, 2018 and 2017, we executed restructuring plans to reduce our workforce in multiple locations as a result of cost 

containment actions. During 2019, we recognized employee termination costs related to the closure of several FMS 
maintenance locations in the U.S. and Canada and expect to incur additional restructuring charges in 2020, but we do not expect 
these charges to be material to our financial statements. In addition to these restructuring charges, we also incurred charges 
related to cost savings initiatives, the pursuit of a commercial claim and the implementation of an enterprise resource planning 
system. In addition, we recognized income from our Singapore operations that were shut down during the second quarter of 
2019.

During 2018, we recognized restructuring charges offset by restructuring credits related to gains on the sale of certain 
U.K. facilities that were closed as part of our December 2017 restructuring activities and income from our Singapore operations 
that were shut down during the second quarter of 2019. We also incurred charges related to cost savings initiatives, transaction 
costs related to the acquisitions of MXD and Metro and an impairment charge of goodwill associated with our FMS Europe 
reporting unit. We recognized a net benefit for an adjustment to the one-time 2017 Tax Cuts and Jobs Act-related employee 
bonus accrued as of December 31, 2017.

During 2017, we recognized restructuring charges offset by restructuring credits related to gains on the sale of certain 
U.K. facilities that were closed as part of prior year restructuring activities and income from our Singapore operations that were 
shut down during the second quarter of 2019. We also incurred charges related to consulting fees associated with cost savings 
initiatives. 

The following table summarizes the activities within, and components of, restructuring liabilities as of December 31, 

2019, 2018 and 2017: 

Balance at December 31, 2016
Workforce reduction charges
Utilization (1)

Balance at December 31, 2017
Workforce reduction charges
Utilization (1)

Balance at December 31, 2018
Workforce reduction charges
Utilization (1)

Balance at December 31, 2019 (2)

Employee Termination Costs

(In thousands)

$

$

7,278
13,320
(7,524)
13,074
8,366
(13,845)
7,595
5,655
(6,485)
6,765

_________________ 
(1)  Principally represents cash payments.
(2)  The majority of the balance remaining for employee termination costs is expected to be paid by the end of 2020. 

Note: The restructuring liabilities shown above are included in "Accrued expenses and other current liabilities" in the Consolidated Balance Sheets. 

93

 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

6.     RECEIVABLES, NET 

Trade
Sales-type leases
Other, primarily warranty and insurance

Allowance

Total

December 31,

2019

2018

(In thousands)

$

$

1,060,298
135,353
55,600
1,251,251
(22,761)
1,228,490

$

$

1,087,219
106,594
65,427
1,259,240
(17,182)
1,242,058

7.     REVENUE EARNING EQUIPMENT, NET

Estimated
Useful
Lives

(In years)

December 31, 2019

December 31, 2018

Cost

Accumulated
Depreciation

Net (1)

Cost

(In thousands)

Accumulated
Depreciation

Net (1)

Held for use:

ChoiceLease

3 — 12

$ 12,223,179

Commercial rental

4.5 — 12

3,200,403

Held for sale

Total

748,435

$ 16,172,017

$ (4,125,342) $ 8,097,837
2,150,553

(1,049,850)
(569,161)

179,274
$ (5,744,353) $ 10,427,664

$ 10,824,819

3,152,908

467,093

$ 14,444,820

$ (3,645,485) $ 7,179,334
2,105,562

(1,047,346)
(336,028)

131,065
$ (5,028,859) $ 9,415,961

_______________ 
(1)  Revenue earning equipment, net includes vehicles under finance leases of $12 million, less accumulated depreciation of $8 million, at December 31, 

2019 and $23 million, less accumulated depreciation of $13 million, at December 31, 2018.

We periodically review and adjust, as appropriate, the estimated residual values and useful lives of revenue earning 
equipment for the purposes of recording depreciation expense. Our review of the estimated residual values and useful lives of 
revenue earning equipment is established with a long-term view based on vehicle class, generally subcategories of trucks, 
tractors and trailers by weight and usage, as well as other factors. We refer to this long-term view as "policy depreciation." 
These other factors include, but are not limited to, historical market prices, current and expected future market prices, expected 
lives of vehicles, and expected sales of used vehicles in the wholesale and retail markets. Factors that could cause actual results 
to materially differ from estimates include, but are not limited to, changes in technology; changes in supply and demand; 
competitor pricing; regulatory requirements; driver shortages, requirements and preferences; and changes in underlying 
assumption factors. We have disciplines related to the management and maintenance of our vehicles designed to manage the 
risk associated with the residual values of our revenue earning equipment. In addition, we also monitor market trends 
throughout the year and assess estimates of residual values of vehicles expected to be made available for sale in the near-term 
(generally 12 to 24 months) and may adjust estimates of residual values for these vehicles to reflect current market rates, which 
we refer to as "accelerated depreciation."

At the end of the second quarter of 2019, we began to experience softening in used vehicle market conditions, which 
intensified through the third quarter of 2019 and we now expect to continue throughout 2020. In addition, our inventory of used 
vehicles that is expected to be made available for sale was higher than expected, which has and will impact the volume of used 
vehicle sales expected to be sold through our wholesale channels. Due to these dynamics and our updated outlook, management 
concluded that our residual value estimates likely exceeded the expected future values that would be realized upon the sale of 
power vehicles in our fleet. As a result, we changed the estimates of residual values for our revenue earning equipment in the 
third quarter of 2019 to reflect more recent multi-year trends and our outlook for the expected used vehicle market. The 
increase in depreciation expense, resulting from the change in estimate, reduced earnings from continuing operations before 
income taxes and net earnings by approximately $297 million and $219 million, respectively, in 2019. This amount included 
accelerated depreciation of approximately $193 million related to lower residual value estimates of vehicles expected to be sold 
in the near-term and additional policy depreciation of $104 million. The effect of this change in estimate decreased our diluted 
earnings per share by $4.19 in 2019. 

94

 
 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

The impact of the vehicle residual value estimates change that occurred in the third quarter of 2019 is in addition to the 

depreciation expense of $30 million related to the policy depreciation estimate change effective January 1, 2019 and additional 
accelerated depreciation of $30 million that was incurred throughout 2019. We recorded accelerated depreciation expense of 
$39 million and $30 million in 2018 and 2017, respectively. Total depreciation expense related to revenue earning equipment 
was $1.8 billion, $1.3 billion and $1.2 billion in 2019, 2018 and 2017, respectively.

Revenue earning equipment held for sale is stated at the lower of net book value or fair value less costs to sell. Losses on 

vehicles held for sale for which carrying values exceeded fair value, which we refer to as "valuation adjustments," are 
recognized at the time they arrive at our used truck centers and are presented within "Used vehicle sales, net" in the 
Consolidated Statements of Earnings. For revenue earning equipment held for sale, we stratify our fleet by vehicle type (trucks, 
tractors and trailers), weight class, age and other relevant characteristics and create classes of similar assets for analysis 
purposes. For a certain population of revenue earning equipment held for sale, fair value was determined based upon recent 
market prices obtained from our own sales experience for sales of each class of similar assets and vehicle condition. Expected 
declines in market prices were also considered when valuing the vehicles held for sale. 

The following table presents the revenue earning equipment held for sale that are measured at fair value on a nonrecurring 

basis and considered a Level 3 fair value measurement:

Assets held for sale:

Revenue earning equipment: (1)

Trucks
Tractors
Trailers

Total assets at fair value

Total Losses (2)

December 31,

Years ended December 31,

2019

2018

2019

2018

2017

(In thousands)

(In thousands)

$

$

39,009
73,359
2,206
114,574

$

$

44,325
35,397
1,507
81,229

$

$

38,701
40,213
4,224
83,138

$

$

40,220
9,030
4,478
53,728

$

$

30,812
21,261
5,992
58,065

______________
(1)  Assets held for sale in the above table only include the portion of revenue earning equipment held for sale where net book values exceeded fair values and 
fair value adjustments were recorded. Assets held for sale where fair value was higher than net book value were $65 million and $50 million as of December 31, 
2019 and 2018, respectively. 

(2)  Total losses represent fair value adjustments for all vehicles held for sale throughout the period for which fair value was less than net book value. 

The components of used vehicle sales, net were as follows:

Losses (gains) on vehicle sales, net

Losses from fair value adjustments

Used vehicle sales, net

Years ended December 31,

2019

2018

2017

(In thousands)

$

$

(24,432) $
83,138

58,706

$

(31,403) $
53,728

22,325

$

(41,076)
58,065

16,989

95

 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

8.     OPERATING PROPERTY AND EQUIPMENT, NET 

Land

Buildings and improvements

Machinery and equipment

Other

Accumulated depreciation

Total

Estimated
Useful  Lives

(In years)

December 31,

2019

2018

(In thousands)

—

$

245,034

$

10 — 40

3 — 10

3 — 10

904,567

866,654

125,760

2,142,015

(1,224,216)

$

917,799

$

235,720

896,385

860,609

125,377

2,118,091

(1,256,037)
862,054  

Depreciation expense related to operating property and equipment was $118 million, $103 million and $97 million in 

2019, 2018 and 2017, respectively.

9.     GOODWILL 

The carrying amount of goodwill attributable to each reportable business segment with changes therein was as follows:

Fleet
Management
Solutions

Supply Chain
Solutions

Dedicated
Transportation
Solutions

Total

Balance at January 1, 2018

Acquisitions (1)
Impairment
Foreign currency translation adjustment

Balance at December 31, 2018

Foreign currency translation adjustment

$

Balance at December 31, 2019 (2)
———————————
(1)  See Note 3, "Acquisitions," for additional information.
(2)  Accumulated impairment losses were $45 million as of both December 31, 2019 and 2018.

$

226,854
32,266
(15,513)
(1)
243,606
96
243,702

(In thousands)

127,842
63,424
—
(474)
190,792
(277)
190,515

$

$

40,808
—
—
—
40,808
—
40,808

$

$

$

$

395,504
95,690
(15,513)
(475)
475,206
(181)
475,025

We assess goodwill for impairment on October 1st of each year or more often if deemed necessary. In the third quarter of 

2019, we performed an interim impairment test of our FMS North America reporting unit (“FMS NA”) as a result of the decline 
in market conditions and our updated outlook primarily in the used vehicle market, which negatively affects our forecasted cash 
flows from the sale of used vehicles. Our valuation of fair value for FMS NA was determined based on a discounted future cash 
flow model (income approach) and the application of current market multiples for comparable publicly-traded companies 
(market approach). Based on our analysis, we determined that FMS NA goodwill was not impaired as of September 30, 2019. 
The estimated fair value of the FMS NA reporting unit exceeded its carrying value by approximately 5% as of September 30, 
2019. 

As a result of a revised forecast and outlook for the FMS NA reporting unit as of December 31, 2019, we performed an 

additional impairment test. Based on our analysis, we determined that FMS NA goodwill was not impaired as of December 31, 
2019. However, the fair value of FMS NA was not substantially in excess of its carrying value. The estimated fair value of the 
FMS NA reporting unit exceeded its carrying value by approximately 15% as of December 31, 2019. 

The increase in the estimated fair value of FMS NA in excess of its carrying value as compared to September 30, 2019 is 

due to improved estimated future cash flows from management actions which moderate future ChoiceLease growth 
assumptions, lower expected future capital expenditures and improve future profit margins. 

Given this level of fair value, in the event the financial performance of FMS NA does not meet our expectations in the 
future; we experience future prolonged market downturns, including in the used vehicle market or a sustained decline in our 
stock price; or other negative revisions to key assumptions, we may be required to perform additional impairment analyses and 
could be required to recognize a non-cash goodwill impairment charge. Subsequent to December 31, 2019, we experienced a 

96

 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

decline in our market capitalization and if this decline continues for a sustained period of time, we may also be required to 
perform additional impairment analyses and could be required to recognize a non-cash goodwill impairment charge. As of 
December 31, 2019, there was $244 million of goodwill recorded related to FMS NA.

On October 1, 2019, we completed our annual goodwill impairment test for our SCS and DTS related reporting units and 

determined there were no impairments. 

During the first quarter of 2018, we recorded an impairment charge of $16 million for all goodwill in the FMS Europe 

reporting unit. This item was reflected within "Restructuring and other items, net" in our Consolidated Statements of Earnings.

10.     INTANGIBLE ASSETS, NET 

Indefinite lived intangible assets — Trade name
Finite lived intangible assets:

Customer relationship intangibles
Other intangibles, primarily trade name
Accumulated amortization

Total

December 31,

2019

2018

(In thousands)
8,731

$

113,150
2,367
(73,343)
50,905

$

8,731

113,025
2,367
(65,048)
59,075

$

$

The Ryder trade name has been identified as having an indefinite useful life. Customer relationship intangibles are being 
amortized on a straight-line basis over their estimated useful lives, generally 7-19 years. We recognized amortization expense 
associated with finite lived intangible assets in 2019, 2018 and 2017 of $8 million, $8 million and $6 million, respectively. The 
future amortization expense for each of the five succeeding years related to all intangible assets that are currently reported in 
the Consolidated Balance Sheets is estimated to range from $6 - $8 million per year for 2020 - 2024.

11.     ACCRUED EXPENSES AND OTHER LIABILITIES 

December 31, 2019

December 31, 2018

Accrued
Expenses

Non-Current
Liabilities

Total

Accrued
Expenses

Non-Current
Liabilities

Total

Salaries and wages
Deferred compensation
Pension benefits
Other postretirement benefits
Other employee benefits
Insurance obligations (1)
Operating taxes
Income taxes
Interest
Deposits, mainly from customers
Operating lease liabilities
Deferred revenue (2)
Restructuring liabilities (3)
Other

Total

(In thousands)

$ 126,119
6,436
3,863

1,478
21,577
163,763
116,003
2,873
46,032
82,573
72,285
165,205
6,765
61,105
$ 876,077

$

— $ 126,119
71,442
417,692

65,006
413,829

20,187
—
285,838
—
17,484
—
3,065
151,361
438,482
—
46,751
$ 1,442,003

21,665
21,577
449,601
116,003
20,357
46,032
85,638
223,646
603,687
6,765
107,856
$ 2,318,080

$ 149,629
4,524
3,754
1,387
28,370
139,314
100,399
3,491
39,522
80,401
73,422
160,902
7,595
55,029
$ 847,739

_________________
(1) Insurance obligations are primarily comprised of self-insured claim liabilities.
(2) Deferred revenue is primarily related to the non-lease maintenance services component of our ChoiceLease product line.
(3) Refer to Note 5 "Restructuring and Other Items, Net" for further information.

97

$

— $ 149,629
59,803
460,733
19,484
28,370
386,866
100,399
21,968
39,522
83,791
210,806
582,078
7,595
99,320
$ 2,250,364

55,279
456,979
18,097
—
247,552
—
18,477
—
3,390
137,384
421,176
—
44,291
$ 1,402,625

 
 
 
 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

During 2019 and 2018, we recognized charges of $18 million and $1 million, respectively, within earnings from 

continuing operations from the unfavorable development of estimated prior years claims where costs exceeded self-insured loss 
reserves. During 2017, we recognized a benefit of $9 million within earnings from continuing operations from the favorable 
development of estimated prior years' self-insured loss reserves for the reasons noted above.

12.     INCOME TAXES

The components of earnings (loss) from continuing operations before income taxes and the provision for (benefit from) 

income taxes from continuing operations were as follows:

Earnings (loss) from continuing operations before income taxes:

United States
Foreign
Total

Provision for (benefit from) income taxes from continuing

operations:

Current tax expense (benefit) from continuing operations:

Federal (1)
State
Foreign

Deferred tax expense (benefit) from continuing operations:

Federal
State
Foreign

Total

Years ended December 31,

2019

2018

(In thousands)

2017

(44,668) $
2,397
(42,271) $

371,925
17,544
389,469

$

$

273,033
23,403
296,436

(1,065) $
9,187
5,210
13,332

(8,228)
(18,790)
(5,313)
(32,331)
(18,999) $

(23,333) $
6,862
10,123
(6,348)

113,764
1,250
(6,119)
108,895
102,547

$

6,752
9,360
6,442
22,554

(455,021)
7,008
1,794
(446,219)
(423,665)

$

$

$

$

_______________
(1) The current federal tax benefit in 2018 includes the anticipated $22 million alternative minimum tax refunds generated by the 2017 Tax Cuts and Jobs Act.

A reconciliation of the federal statutory tax rate with the effective tax rate from continuing operations follows:

 Federal statutory tax rate
 Impact of one-time deemed repatriation
 Impact on deferred taxes for changes in tax rates
 Additional deferred tax adjustments
 State income taxes, net of federal income tax benefit
 Foreign rates varying from federal statutory tax rate
 Tax contingencies
 Tax credits
 Other permanent book-tax differences
 Other, net
 Effective tax rate

98

Years ended December 31,

2019

2018

2017

(Percentage of pre-tax earnings)

21.0 %
— %
20.5 %
— %
(19.2)%
3.1 %
15.7 %
11.3 %
(8.6)%
1.1 %
44.9 %

21.0 %
6.2 %
(3.3)%
(1.5)%
3.7 %
0.1 %
(0.9)%
0.2 %
0.8 %
— %
26.3 %

35.0 %
11.3 %
(188.5)%
— %
3.3 %
(4.2)%
0.1 %
(0.1)%
0.2 %
— %
(142.9)%

 
 
 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

           Tax Reform Impact

On December 22, 2017, the 2017 Tax Cuts and Jobs Act of 2017 (2017 Tax Reform) was signed into law. The 2017 Tax 

Reform made broad and complex changes to the U.S. tax code which have had a significant impact on our earnings. During 
2017, we recorded a $619 million benefit for the re-measurement of our net deferred tax liability and a $33 million expense for 
the one-time transition tax as provisional estimates. During 2018, we completed our analyses and recorded an additional $10 
million benefit for the re-measurement of our net deferred tax liability and an additional $24 million expense for the transition 
tax. 

Deferred Income Taxes

The components of the net deferred income tax liability were as follows:

Deferred income tax assets:
Self-insurance accruals
Net operating loss carryforwards
Accrued compensation and benefits
Federal benefit on state tax positions
Pension benefits
Deferred revenue
Other accruals

Valuation allowance

Deferred income tax liabilities:

Property and equipment basis differences
Other

Net deferred income tax liability (1)

______________ 

December 31,

2019

2018

(In thousands)

$

94,690
619,314
31,402
9,115
78,004
146,383
21,635
1,000,543
(17,577)
982,966

82,118
414,144
31,627
11,027
94,433
146,831
19,068
799,248
(16,186)
783,062

(2,121,842)
(5,386)
(2,127,228)
(1,144,262) $

(1,937,009)
(7,907)
(1,944,916)
(1,161,854)

$

$

(1)  Deferred tax assets of $17 million and $18 million have been included in "Sales-type leases and other assets" as of December 31, 2019 and 2018, 

respectively.

As of December 31, 2019, we have undistributed earnings of foreign subsidiaries of $826 million. We have historically 
reinvested such earnings overseas indefinitely and will continue to reinvest future foreign earnings overseas indefinitely. With 
respect to the undistributed earnings as of December 31, 2019, $635 million was included in the transition tax. The 
determination of the amount of any additional unrecognized deferred tax liability is not practicable because of the complexities 
associated with the hypothetical calculations used in evaluating whether we will maintain the indefinite reinvestment assertion.

As of December 31, 2019, we had U.S. federal tax effected net operating loss carryforwards, before unrecognized tax 

benefits, of $547 million, of which $137 million is expected to expire beginning 2033; the remaining $410 million has an 
indefinite carryforward period. Various U.S. subsidiaries had state tax effected net operating loss carryforwards, before 
unrecognized tax benefits and valuation allowances, of $89 million that will begin to expire as follows: $7 million in 2020, $4 
million in 2021, and $73 million in 2022 and thereafter; the remaining $5 million has an indefinite carryforward period. To the 
extent that we do not generate sufficient state taxable income within the statutory carryforward periods to utilize the loss 
carryforwards in these states, the loss carryforwards will expire unused. We also had foreign tax effected net operating loss 
carryforwards of $19 million that are available to reduce future income tax payments in several countries, subject to varying 
expiration rules. We assess the realizability of our deferred tax assets and record a valuation allowance to the extent it is 
determined that they are not more-likely-than-not to be realized. Due to our assessment of future sources of taxable income in 
various states and foreign jurisdictions as of December 31, 2019 and the near-term expiration of certain net operating 
carryforwards, we recorded a valuation allowance of $18 million against our deferred tax assets. The valuation allowance is 
subject to change in future years based on the availability of future sources of taxable income to offset the net operating loss 
carryforwards.

99

 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

During 2018, we determined that certain deferred tax assets had been undervalued in prior periods. As the amounts were 

not material to our consolidated financial statements in any individual period, and the cumulative amount is not material to 
2018 results, we recognized a one-time $6 million benefit in our provision for income taxes related to the correction of this 
error. 

         Uncertain Tax Positions

In many cases, our uncertain tax positions are related to tax years that remain subject to examination by the relevant 

taxing authorities. The following table summarizes these open tax years by jurisdiction:

Jurisdiction

United States (Federal)

Canada

Mexico

United Kingdom

Brazil (in discontinued operations)

Open Tax Year

2009 - 2011, 2013 - 2019

2012 - 2019

2014 - 2019

2018 - 2019

2014 - 2019

The following table summarizes the activity related to unrecognized tax benefits (excluding the federal benefit received 

from state positions):

Balance at January 1
Additions based on tax positions related to the current year
Reductions due to lapse of applicable statutes of limitation
Gross balance at December 31

Interest and penalties
Balance at December 31

2019

December 31,

2018

(In thousands)

2017

$

$

58,819
1,422
(11,323)
48,918
4,772
53,690

$

$

62,288
3,885
(7,354)
58,819
4,594
63,413

$

$

61,649
3,971
(3,332)
62,288
5,860
68,148

Of the total unrecognized tax benefits as of December 31, 2019, $45 million (net of the federal benefit on state issues) 
represents the amount of unrecognized tax benefits that, if recognized, would favorably affect the effective tax rate in future 
periods. The total includes $4 million of interest and penalties, as of both December 31, 2019 and 2018, net of the federal 
benefit on state interest. Unrecognized tax benefits related to federal, state and foreign tax positions may decrease by $8 million 
by December 31, 2020, if audits are completed or tax years close during 2020. 

During 2018, we determined that reserves for certain uncertain tax positions should have been reversed in prior periods 

when the statutes of limitations expired. As the amounts were not material to our consolidated financial statements in any 
individual period, and the cumulative amount is not material to 2018 results, we recognized a one-time $4 million benefit in our 
provision for income taxes related to the correction of this error.

100

 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

13.     LEASES 

Leases as Lessor

The components of revenue from leases were as follows:

Operating leases

Lease income related to ChoiceLease
Lease income related to commercial rental (1)

Sales-type leases

Interest income related to net investment in leases

Variable lease income excluding commercial rental (1)

Years ended December 31,

2019

2018

(In thousands)

2017

$

$

$

1,505,913
952,560

46,801

272,065

$

$

$

1,369,025
905,305

38,385

244,911

$

$

$

1,303,263
777,270

30,169

238,905

_________________ 
(1)  Lease income related to commercial rental includes both fixed and variable lease income. Variable lease income is approximately 15% to 25% of total 

commercial rental income.

The components of the net investment in sales-type leases included in "Receivables, net" and "Sales-type lease and other 

assets" in the Consolidated Balance Sheet were as follows:

Net investment in the lease - lease payment receivable
Net investment in the lease - unguaranteed residual value in assets

December 31,

2019

2018

(In thousands)

553,076
44,952

598,028

$

$

505,057
46,209
551,266

$

$

Maturities of sales-type lease receivables as of December 31, 2019 were as follows:

Years ending December 31
2020
2021
2022
2023
2024
Thereafter

Total undiscounted cash flows

Present value of lease payments (recognized as lease receivables)
Difference between undiscounted cash flows and discounted cash flows

(In thousands)

166,300
144,745
117,645
84,803
62,292
86,417

662,202
(553,076)
109,126

$

$

101

 
 
 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

Payments due for operating leases as of December 31, 2019 were as follows:

Years ending December 31
2020
2021
2022
2023
2024
Thereafter

Total undiscounted cash flows

Leases as Lessee

(In thousands)

1,316,590
1,052,096
765,195
526,845
347,258
291,703

4,299,687

$

$

The components of lease expense were as follows:

Finance lease cost

Amortization of right-of-use-assets
Interest on lease liabilities

Operating lease cost
Short-term lease and other
Variable lease cost

Sublease income

Total lease cost

Classification

2019

2018

2017

Years ended December 31,

(In thousands)

Other operating expenses, SG&A
Interest expense
Other operating expenses, SG&A
Other operating expenses, SG&A
Other operating expenses, SG&A
Lease & related maintenance and
rental revenues, Other operating
expenses

$

$

13,671
2,565
94,039
10,963
12,459

$

13,805
2,546
87,741
10,017
9,888

13,870
2,288
72,992
9,877
8,892

(22,385)
111,312

$

(23,261)
100,736

$

(21,169)
86,750

$

Supplemental cash flow information related to leases was as follows:

Cash paid for amounts included in measurement of liabilities:

Operating cash flows from finance leases
Operating cash flows from operating leases
Financing cash flows from finance leases

Right-of-use assets obtained in exchange for lease obligations:

Finance leases
Operating leases

Years ended December 31,

2019

2018

(In thousands)

2017

$

$

2,565
93,383
17,922

21,749
96,810

$

2,546
85,980
17,601

15,324
114,990

2,288
69,379
17,206

23,095
99,476

102

 
 
 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

Supplemental balance sheet information relates to leases was as follows:

Classification

Assets

Operating lease right-of-use assets

Finance lease assets

Total leased assets

Sales-type leases and other assets
Operating property and equipment, net and
revenue earning equipment, net

December 31,

2019

2018

(In thousands)

214,809

$

203,834

44,190

258,999

$

41,647

245,481

Liabilities
Current

Operating

Finance

Noncurrent

Operating
Finance

Total lease liabilities

Accrued expenses and other current liabilities
Short-term debt and current portion of long-
term debt

72,285

$

12,381

Other non-current liabilities
Long-term debt

151,361
39,336

$

275,363

$

73,422

14,543

137,384
32,909
258,258

$

$

$

Weighted-average remaining lease term

Operating
Finance

Weighted-average discount rate

Operating
Finance

Maturities of operating and finance lease liabilities were as follows:

December 31,

2019

2018

4 years
7 years

4.0%
6.6%

4 years
7 years

3.7%
8.0%

Years ending December 31
2020
2021
2022
2023
2024
Thereafter

Total lease payments

Less: Imputed Interest
Present value of lease liabilities

Operating

Leases

Finance

Leases

(In thousands)

Total

$

$

79,345
57,323
43,173
31,768
13,452
18,455
243,516
(19,870)
223,646

$

$

14,663
13,377
9,013
6,716
4,825
12,561
61,155
(9,438)
51,717

$

$

94,008
70,700
52,186
38,484
18,277
31,016
304,671
(29,308)
275,363

As of December 31, 2019, we have entered into additional facility operating leases that have not yet commenced of $14 

million. The operating leases will commence in 2020 through 2023 with lease terms of generally 3 to 5 years.

103

 
 
 
 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

14.     DEBT 

Short-term debt and current portion of long-

term debt:
Short-term debt
Current portion of long-term debt,
including finance leases

Total short-term debt and current portion of
long-term debt
Total long-term debt:

U.S. commercial paper (1)
Canadian commercial paper (1)
Trade receivables program
Global revolving credit facility
Unsecured U.S. notes – Medium-term 
notes (1) (2)
Unsecured U.S. obligations

Unsecured foreign obligations
Asset-backed U.S. obligations (3)
Finance lease obligations (4)

Total long-term debt
 Debt issuance costs

Current portion of long-term debt, including
finance leases
Long-term debt

Weighted-Average Interest Rate

December 31,

December 31,

2019

2018

Maturities

2019

2018

(In thousands)

1.98%

2.69%

$

425,676

$

81,522

1.99%

2.04%

—%
2.10%

3.17%

2.79%

2.18%

2.50%

8.18%

2.78%

2.28%

3.15%
3.25%

3.22%

3.50%

1.61%

2.37%

7.97%

728,888

855,609

1,154,564

937,131

119,690

107,128

—
8,104

454,397

123,491

200,000
12,581

2023

2023

2020
2023

2020-2026

5,965,064

4,853,496

2024

2020-2024

2020-2026

2020-2073

200,000

265,910

807,374

51,717

50,000

216,719

627,707

47,452

7,524,987
(25,875)
7,499,112

6,585,843
(18,088)
6,567,755

(728,888)
6,770,224

(855,609)
5,712,146

Total debt
_________________ 
(1)  Amounts are net of unamortized original issue discounts of $6 million and $7 million as of December 31, 2019 and 2018, respectively.
(2)  Amounts are inclusive of the fair market values of our hedging instruments on our notes of $10 million as of December 31, 2018. The fair market values 
of our hedging instruments were not material as of December 31, 2019. The notional amount of the interest rate swaps designated as fair value hedges 
was $525 million and $725 million as of December 31, 2019 and 2018, respectively. 

$ 6,649,277

$ 7,924,788

(3)  Asset-backed U.S. obligations are related to financing transactions backed by a portion of our revenue earning equipment.
(4)  Refer to Note 13, "Leases," for additional information.

Contractual maturities of total debt, excluding finance lease obligations, are as follows:

Years ending December 31
2020
2021
2022
2023
2024
Thereafter
Total (1)

Finance lease obligations (Refer to Note 13)

Debt issuance costs

Impact of fair market value adjustments on notes subject to hedging

Total long-term debt

_________________ 
(1)  Net of unamortized discount.

104

(In thousands)

1,322,055
1,082,983
1,295,782
1,930,497
1,511,262
755,905

7,898,484

51,717
(25,875)
462
7,924,788

$

$

 
 
 
 
 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

Debt Facilities

We maintain a $1.4 billion global revolving credit facility, which includes U.S. and Canadian commercial paper 

programs, with a syndicate of twelve lending institutions, which matures in September 2023. The agreement provides for 
annual facility fees which range from 7.5 basis points to 20 basis points based on our long-term credit ratings. The annual 
facility fee is currently 10 basis points. The credit facility is used primarily to finance working capital and vehicle purchases, 
but can also be used to issue up to $75 million in letters of credit (there were no letters of credit outstanding against the facility 
as of December 31, 2019). At our option, the interest rate on borrowings under the credit facility is based on LIBOR, prime, 
federal funds or local equivalent rates. The credit facility contains no provisions limiting its availability in the event of a 
material adverse change to our business operations; however, the credit facility does contain standard representations and 
warranties, events of default, cross-default provisions, and certain affirmative and negative covenants.

In order to maintain availability of funding, we must maintain a ratio of debt to consolidated net worth of less than or 
equal to 300%. Net worth, as defined in the credit facility, represents shareholders' equity excluding any accumulated other 
comprehensive income or loss associated with our pension and other postretirement plans. As of December 31, 2019, the ratio 
was 226%. As of December 31, 2019, there was $744 million available under the credit facility.

Our global revolving credit facility enables us to refinance short-term obligations on a long-term basis. Short-term 
commercial paper obligations not required for working capital needs are classified as long-term as we have both the intent and 
ability to refinance on a long-term basis. In addition, we have the intent and ability to refinance the current portion of long-term 
debt on a long-term basis. As of December 31, 2019, we classified $227 million of short-term commercial paper, $400 million 
of the current portion of long-term debt and $201 million of short-term debt as long-term debt. As of December 31, 2018, we 
classified $578 million of short-term commercial paper, $200 million of trade receivables borrowings, $250 million of the 
current portion of long-term debt and $50 million of short-term debt as long-term debt.

In 2019, we issued $2.1 billion of unsecured medium-term notes maturing in years 2022 through 2026. The proceeds 

from these notes were used to pay off maturing debt and for general corporate purposes. If these notes are downgraded below 
investment grade following, or as a result of, a change in control, the note holders can require us to repurchase all or a portion 
of the notes at a purchase price equal to 101% of principal value plus accrued and unpaid interest. We also executed a $50 
million bank term loan at one of our Canadian subsidiaries and two $100 million bank term loans, all of which mature in 2024. 

In 2019, we received $298 million from financing transactions backed by a portion of our revenue earning equipment. 
The proceeds from these transactions were used for general corporate purposes. We have provided end of term guarantees for 
the residual value of the revenue earning equipment in these transactions. The transaction proceeds, along with the end of term 
residual value guarantees, have been included within "asset-backed U.S. obligations" in the preceding table.

We have a trade receivables purchase and sale program, pursuant to which we sell certain of our domestic trade accounts 

receivable to a bankruptcy remote, consolidated subsidiary of Ryder, that in turn sells, on a revolving basis, an ownership 
interest in certain of these accounts receivable to a committed purchaser. The subsidiary is considered a VIE and is consolidated 
based on our control of the entity’s activities. We use this program to provide additional liquidity to fund our operations, 
particularly when it is cost effective to do so. The costs under the program may vary based on changes in interest rates. The 
available proceeds that may be received under the program are limited to $225 million. In June 2019, we renewed the trade 
receivables purchase and sale program. In February 2020, we increased the amount of available proceeds to $300 million. If no 
event occurs which causes early termination, the 365-day program will expire on June 11, 2020. The program contains 
provisions restricting its availability in the event of a material adverse change to our business operations or the collectibility of 
the collateralized receivables. Sales of receivables under this program are accounted for as secured borrowings based on our 
continuing involvement in the transferred assets.

In 2020, one of our Canadian subsidiaries executed bank term loans of approximately $80 million with maturity dates that 

range from one- to three-years, which included the refinancing of approximately $20 million of a term loan that matured in 
February 2020. The remaining proceeds were primarily used to repay intercompany debt.

The fair value of total debt (excluding finance lease and asset-backed U.S. obligations) was approximately $7.0 billion 
and $6.0 billion as of December 31, 2019 and 2018, respectively. For publicly-traded debt, estimates of fair value were based 
on market prices. For other debt, fair value is estimated based on a model-driven approach using rates currently available to us 
for debt with similar terms and remaining maturities. The fair value measurements of our publicly-traded debt and our other 
debt were classified within Level 2 of the fair value hierarchy. 

105

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

15.    GUARANTEES 

We have executed various agreements with third parties that contain standard indemnifications that may require us to 

indemnify a third party against losses arising from a variety of matters, such as lease obligations, financing agreements, 
environmental matters, and agreements to sell business assets. In each of these instances, payment by Ryder is contingent on the 
other party bringing about a claim under the procedures outlined in the specific agreement. Normally, these procedures allow us 
to dispute the other party’s claim. Additionally, our obligations under these agreements may be limited in terms of the amount 
and/or timing of any claim. We have entered into individual indemnification agreements with each of our independent directors, 
through which we will indemnify such director acting in good faith against any and all losses, expenses and liabilities arising 
out of such director’s service as a director of Ryder. The maximum amount of potential future payments under these agreements 
is generally unlimited.

We cannot predict the maximum potential amount of future payments under certain of these agreements, including the 

indemnification agreements, due to the contingent nature of the potential obligations and the distinctive provisions that are 
involved in each individual agreement. Historically, no such payments made by us have had a material adverse effect on our 
business. We believe that if a loss were incurred in any of these matters, the loss would not have a material adverse impact on 
our consolidated results of operations or financial position.

As of December 31, 2019 and 2018, we had letters of credit and surety bonds outstanding, which primarily guarantee 

various insurance activities as noted in the following table:

Letters of credit
Surety bonds

16.     SHARE REPURCHASE PROGRAMS 

December 31,

2019

2018

$

(In thousands)

337,476
115,848

$

253,259
121,757

In December 2019, our Board of Directors authorized a new share repurchase program intended to mitigate the dilutive 

impact of shares issued under our employee stock plans (the 2019 program). Under the 2019 program, management is 
authorized to repurchase up to 1.5 million shares of common stock, the sum of which will not exceed the number of shares 
issued to employees under our employee stock plans from December 1, 2019 to December 11, 2021. Share repurchases of 
common stock are made periodically in open-market transactions and are subject to market conditions, legal requirements, and 
other factors. Management may establish prearranged written plans under Rule 10b5-1 of the Securities Exchange Act of 1934 
as part of the 2019 program, which allow for share repurchases during our quarterly blackout periods as set forth in the trading 
plan. As of December 31, 2019, we have not repurchased any shares under the 2019 program.

During 2019, 2018 and 2017, we repurchased 0.5 million, 0.4 million and 1.1 million shares under previous share 

repurchase programs for $28 million, $31 million and $78 million, respectively.

106

 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

17.      ACCUMULATED OTHER COMPREHENSIVE LOSS 

Comprehensive income presents a measure of all changes in shareholders’ equity except for changes resulting from 

transactions with shareholders in their capacity as shareholders. The following summary sets forth the components of 
accumulated other comprehensive loss, net of tax:

January 1, 2017

Amortization

Other current period change

December 31, 2017

Amortization

Other current period change

Adoption of new accounting standard

December 31, 2018

Amortization

Pension lump sum settlement

Other current period change

December 31, 2019

Currency
Translation
Adjustments and 
Other

Net Actuarial
Loss (1)

Prior Service  
(Cost)/Credit (1)

(In thousands)

Accumulated
Other
Comprehensive
Loss

$

(206,610) $

(620,292) $

(7,130) $

(834,032)

—

62,837

20,267

39,872

(143,773)

(560,153)

—

(55,940)

—

20,773

(62,017)

(98,987)

219

1

(6,910)

304

(3,351)

(1,580)

(199,713)

(700,384)

(11,537)

—

—

30,681

22,692

27,391

(6,012)

554

—

(163)

20,486

102,710

(710,836)

21,077

(121,308)

(100,567)

(911,634)

23,246

27,391

24,506

$

(169,032) $

(656,313) $

(11,146) $

(836,491)

_______________________ 
(1)  These amounts are included in the computation of net periodic pension cost and pension settlement charge. See Note 20, "Employee Benefit Plans," for 

further information. 

The gain from currency translation adjustments and other in 2019 primarily consists of currency translation adjustments 

of $38 million due to the strengthening of the British Pound and Canadian Dollar against the U.S. Dollar. The loss from 
currency translation adjustments of $56 million in 2018 was primarily due to the weakening of the British Pound and Canadian 
Dollar against the U.S. Dollar. The gain from currency translations in 2017 of $63 million was primarily due to the 
strengthening of the British Pound and Canadian Dollar against the U.S. Dollar. Refer to Note 20, "Employee Benefit Plans," 
for further information related to net actual loss and prior services cost.

107

 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

18.     EARNINGS PER SHARE 

The following table presents the calculation of basic and diluted earnings per common share from continuing operations: 

Earnings (loss) per share — Basic:

Earnings (loss) from continuing operations

Less: Distributed and undistributed earnings allocated to unvested stock

Earnings (loss) from continuing operations available to common
shareholders — Basic

Weighted average common shares outstanding — Basic

Earnings (loss) from continuing operations per common share — Basic

Earnings (loss) per share — Diluted:

Earnings (loss) from continuing operations

Less: Distributed and undistributed earnings allocated to unvested stock

Earnings (loss) from continuing operations available to common
shareholders — Diluted

Weighted average common shares outstanding — Basic

Effect of dilutive equity awards

Weighted average common shares outstanding — Diluted

Earnings (loss) from continuing operations per common share — Diluted

Anti-dilutive equity awards and market-based restrictive stock rights not
included above

$

$

$

$

$

$

Years ended December 31,

2019

2018

2017

(In thousands, except per share amounts)

(23,272) $
(453)

$

286,922
(1,038)

720,101
(2,594)

(23,725) $

285,884

$

717,507

52,348

52,390

52,613

(0.45) $

5.46

$

13.64

(23,272) $
(453)

$

286,922
(1,038)

720,101
(2,594)

(23,725) $

285,884

$

717,507

52,348

—

52,348

52,390

307

52,697

(0.45) $

5.43

$

2,458

1,330

52,613

373

52,986

13.54

881

19.     SHARE-BASED COMPENSATION PLANS 

The following table provides information on share-based compensation expense and related income tax benefits 

recognized in 2019, 2018 and 2017:

Stock option and stock purchase plans
Unvested stock awards
Share-based compensation expense
Income tax benefit

Share-based compensation expense, net of tax

Years ended December 31,

2019

2018

(In thousands)

2017

$

$

6,575
19,253
25,828
(4,667)
21,161

$

$

7,703
17,249
24,952
(4,615)
20,337

$

$

7,869
11,098
18,967
(6,628)
12,339

Total unrecognized pre-tax compensation expense related to share-based compensation arrangements as of December 31, 

2019 was $31 million and is expected to be recognized over a weighted-average period of approximately 1.8 years. The total 
fair value of equity awards vested during 2019, 2018 and 2017 was $20 million, $18 million and $22 million, respectively.

Share-Based Incentive Awards

Share-based incentive awards are provided to employees under the terms of various share-based compensation plans 
(collectively, the Plans). The Plans are administered by the Compensation Committee of the Board of Directors. Awards under 

108

 
 
 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

the Plans principally include at-the-money stock options and unvested stock. Unvested stock awards include grants of market-
based, performance-based, and time-vested restricted stock rights. Under the terms of our Plans, dividends on unvested stock 
are not paid unless the award vests. Upon vesting, the amount of the dividends paid is equal to the aggregate dividends declared 
on common shares during the period from the date of grant of the award until the date the shares underlying the award are 
delivered. As of December 31, 2019, there are 4.3 million shares authorized for issuance under the Plans and 4.2 million shares 
remaining available for future issuance.

Stock options are awards that allow employees to purchase shares of our stock at a fixed price in the future. Stock option 

awards are granted at an exercise price equal to the market price of our stock at the time of grant. These awards, which 
generally vest one-third each year, are fully vested three years from the grant date. Stock options granted since 2013 have 
contractual terms of ten years. 

Restricted stock awards are unvested stock rights that are granted to employees and entitle the holder to shares of 

common stock as the award vests. Time-vested restricted stock rights typically vest ratably over three years regardless of 
company performance. The fair value of the time-vested awards is determined and fixed based on Ryder’s stock price on the 
date of grant.

Performance-based restricted stock awards (PBRSRs) include a performance-based vesting condition. PBRSRs are 
awarded based on our one-year adjusted return on capital (ROC). Beginning in 2018, PBRSRs are also awarded based on the 
spread between ROC and the cost of capital (COC) and strategic revenue growth (SRG).

Awards with a ROC performance-based vesting condition are segmented into three one-year performance periods. For 

these awards, up to 150% of the awards may be earned based on ROC measured against an annual ROC target. If earned, 
employees will receive the grant of stock three years after the grant date, provided they continue to be employed with Ryder, 
subject to Compensation Committee approval. For accounting purposes, the awards are not considered granted until the 
Compensation Committee approves the annual ROC target. During 2019, 2018 and 2017, 79,000, 98,000 and 79,000 PBRSRs, 
respectively, were considered granted for accounting purposes. The fair value of the PBRSRs is determined and fixed on the 
grant date based on our stock price on the date of grant. Share-based compensation expense is recognized on a straight-line 
basis over the vesting period, based upon the probability that the performance target will be met. 

Awards with a performance-based vesting condition measured by the spread between ROC and COC (ROC/COC) have a 

three-year performance period. For these awards, up to 200% of the awards may be earned based on ROC/COC measured 
against a three-year ROC/COC target. The majority of these awards include a total shareholder return (TSR) modifier. Our TSR 
will be compared against the TSR of each of the companies in a custom peer group to determine our TSR percentile rank versus 
this custom peer group. The number of ROC/COC PBRSRs will then be adjusted based on this rank. During 2019 and 2018, 
approximately 74,000 and 51,000 PBRSRs, respectively, with the ROC/COC condition were awarded under the Plans. The fair 
value of these PBRSRs is estimated using a lattice-based option-pricing valuation model that incorporates a Monte-Carlo 
simulation. Share-based compensation expense is recognized on a straight-line basis over the vesting period, based upon the 
probability that the performance target will be met. 

Awards with a SRG performance-based condition have a three-year performance period. For these awards, up to 200% of 

the awards may be earned based on SRG measured against a three-year SRG target. The majority of these awards include a 
TSR modifier consistent with the discussion above. During 2019 and 2018, approximately 74,000 and 51,000 PBRSRs, 
respectively, with the SRG condition were awarded under the Plans. The fair value of these PBRSRs is estimated using a 
lattice-based option-pricing valuation model that incorporates a Monte-Carlo simulation. Share-based compensation expense is 
recognized on a straight-line basis over the vesting period, based upon the probability that the performance target will be met. 

Market-based restricted stock awards include a market-based vesting provision. The awards, which are no longer granted 

since 2017, are segmented into three performance periods of one, two and three years. At the end of each performance period, 
up to 150% of the award may be earned based on our TSR compared to the target TSR of a peer group over the applicable 
performance period. If earned, employees will receive the grant of stock at the end of the relevant three-year performance 
period provided they continue to be employed with Ryder, subject to Compensation Committee approval. The fair value of the 
market-based awards was determined on the date of grant using a Monte-Carlo valuation model. Share-based compensation 
expense is recognized on a straight-line basis over the vesting period and is recognized regardless of whether the awards vest.

We also grant stock awards to non-management members of the Board of Directors. Equity awards to new board 
members do not vest until the director has served a minimum of one year. Prior to 2018, board members received the awards 
upon separation from the Board. Beginning in 2018, each director may elect to receive his or her equity award in the form of 

109

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

either (i) shares that are distributed at the time of grant or (ii) restricted stock units (RSUs) which will entitle the director to 
receive one share of Ryder stock for each RSU granted and are distributed upon or after separation from service on the board. 
The fair value of the awards is determined and fixed based on Ryder’s stock price on the date of grant. Share-based 
compensation expense is recognized for RSUs in the year the RSUs are granted. Ryder shares delivered upon grant have 
standard voting rights and rights to dividend payments. RSUs that are distributed upon or after separation from service on the 
board are eligible for non-forfeitable dividend equivalents until distribution but such RSUs have no voting rights.

Option Awards

The following is a summary of option activity under our stock option plans as of and for the year ended December 31, 

2019:

Options outstanding at January 1

Granted

Exercised
Forfeited or expired

Options outstanding at December 31

Vested and expected to vest at December 31

Exercisable at December 31

Weighted- 
Average
Exercise Price

Weighted-
Average
Remaining 
Contractual 
Term

Aggregate
Intrinsic Value

(In years)

(In thousands)

Shares

(In thousands)

1,862

$

220
(7)
(85)
1,990

1,896

1,480

$

$

$

72.28

59.09

55.32
71.45

70.92

70.71

71.53

6.1

5.2

5.3

$

$

$

—

—

—

The aggregate intrinsic values in the table above represent the total pre-tax intrinsic value (the difference between the 
close price of our stock on the last trading day of the year and the exercise price, multiplied by the number of in-the-money 
options) that would have been received by the option holders if all options were exercised at year-end. This amount fluctuates 
based on the fair market value of our stock. All options were "out-of-the-money" as of December 31, 2019.

Restricted Stock Awards

The following is a summary of activity for unvested restricted stock awards as of and for the year ended December 31, 

2019:

Time-Vested

Market-Based

Performance-Based

Weighted-
Average
Grant Date
Fair Value

Shares

(In thousands)
488

$

416

(145)

(29)

66.11

59.48

61.97

64.68

Shares

(In thousands)
68

—

(21)

(29)

Weighted-
Average
Grant Date
Fair Value

Shares

Weighted-
Average
Grant Date
Fair Value

$

64.26

(In thousands)
229

$

—

54.10

67.80

227

(36)

(46)

73.41

59.51

55.32

67.78

730

$

63.21

18

$

76.49

374

$

67.14

Unvested stock outstanding at January 1

Granted
Vested (1)
Forfeited (2)
Unvested stock outstanding at December

31

 _________________ 
(1)  Includes awards attained above target.
(2)  Includes awards canceled due to employee terminations or performance and market conditions not being achieved.

Stock Purchase Plan

We maintain an Employee Stock Purchase Plan (ESPP) that enables eligible participants in the U.S. and Canada to 
purchase full or fractional shares of Ryder common stock through payroll deductions of up to 15% of eligible compensation. 
The ESPP provides for quarterly offering periods during which shares may be purchased at 85% of the fair market value of our 
stock. The exercise price is based on the fair market value of the stock on the last trading day of the quarter. Stock purchased 

110

 
 
 
 
 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

under the ESPP must be held for 90 days or one year for officers. There were 5.5 million shares authorized for issuance under 
the existing ESPP as of December 31, 2019. There were 0.4 million shares remaining available to be purchased in the future 
under the ESPP as of December 31, 2019.

The following table presents the weighted-average exercise price for shares granted and exercised under the ESPP:

Years ended December 31,

2019

2018

2017

Shares granted and exercised
Weighted average exercise price

228,000
47.97

$

199,000
54.89

$

160,000
66.72

$

Share-Based Compensation Fair Value Assumptions

The fair value of each option award is estimated on the date of grant using a Black-Scholes-Merton option-pricing 
valuation model that uses the weighted-average assumptions noted in the table below. Expected volatility is based on historical 
volatility of our stock and implied volatility from traded options on our stock. The risk-free rate for periods within the 
contractual life of the stock option award is based on the yield curve of a zero-coupon U.S. Treasury bond on the date the stock 
option award is granted with a maturity equal to the expected term of the stock option award. We use historical data to estimate 
stock option exercises and forfeitures within the valuation model. The expected term of stock option awards granted is derived 
from historical exercise experience under the share-based employee compensation arrangements and represents the period of 
time that stock option awards granted are expected to be outstanding. The fair value of market-based restricted stock awards is 
estimated using a lattice-based option-pricing valuation model that incorporates a Monte-Carlo simulation. 

The following table presents the weighted-average assumptions used for options granted:

Expected dividends
Expected volatility
Risk-free rate
Expected term in years
Grant-date fair value

Years ended December 31,

2019

2018

2017

3.7%
31.4%
2.4%
4.4 years
11.74

$

2.8%
29.4%
2.7%
4.4 years
15.89

$

2.3%
28.5%
1.9%
4.4 years
15.71

$

Exercise of Employee Stock Options and Purchase Plans

The total intrinsic value of options exercised during 2019 was not material. The total intrinsic value of options exercised 

during 2018 and 2017 was $3 million and $5 million, respectively. The total cash received from employees under all share-
based employee compensation arrangements for 2019, 2018 and 2017 was $8 million, $17 million and $21 million, 
respectively. In connection with these exercises, the tax benefits generated from share-based employee compensation 
arrangements were not material for 2019, 2018 and 2017.

111

 
 
 
  
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

20.     EMPLOYEE BENEFIT PLANS 

Pension Plans

We historically sponsored several defined benefit pension plans covering most employees not covered by union-

administered plans, including certain employees in foreign countries. These plans generally provided participants with benefits 
based on years of service and career-average compensation levels. 

In past years, we made amendments to defined benefit retirement plans that froze the retirement benefits for non-

grandfathered and certain non-union employees in the U.S., Canada and the United Kingdom (U.K.). As a result of these 
amendments, non-grandfathered plan participants ceased accruing benefits under the plans as of the respective amendment 
effective date and began receiving an enhanced benefit under a defined contribution plan. All retirement benefits earned as of 
the amendment effective date were fully preserved and will be paid in accordance with the plan and legal requirements. The 
funding policy for these plans is to make contributions based on annual service costs plus amortization of unfunded past service 
liability, but not greater than the maximum allowable contribution deductible for federal income tax purposes. We may, from 
time to time, make voluntary contributions to our pension plans, which exceed the amount required by statute. The majority of 
the plans’ assets are invested in a master trust that, in turn, is invested primarily in commingled funds whose investments are 
listed stocks and bonds. 

We also have a non-qualified supplemental pension plan covering certain U.S. employees, which provides for incremental 

pension payments from our funds so that total pension payments equal the amounts that would have been payable from our 
principal pension plans if it were not for limitations imposed by income tax regulations. The accrued pension liability related to 
this plan was $58 million and $53 million as of December 31, 2019 and 2018, respectively.

Pension Expense

Pension expense from continuing operations was as follows:

Company-administered plans:

Service cost
Interest cost
Expected return on plan assets
Pension settlement expense
Amortization of:

Net actuarial loss
Prior service cost

Union-administered plans
Net pension expense

Company-administered plans:

U.S.
Foreign

Union-administered plans

Years ended December 31,

2019

2018

(In thousands)

2017

$

$

$

$

$

11,007
84,960
(91,034)
34,974

30,708
711
71,326
10,582

81,908

$

75,936
(4,610)
71,326
10,582
81,908

$

$

$

12,108
78,234
(101,980)
3,061

28,593
550
20,566
9,326
29,892

28,043
(7,477)
20,566
9,326
29,892

$

$

$

12,345
86,431
(91,062)
—

32,987
579
41,280
15,553
56,833

43,717
(2,437)
41,280
15,553
56,833

Non-operating pension costs include the amortization of net actuarial loss and prior service cost, interest cost and 
expected return on plan assets components of pension and postretirement benefit costs, as well as any significant charges for 
settlements or curtailments. During 2019, we offered approximately 4,500 vested former employees in our U.S. defined benefit 
plan a one-time option to receive a lump sum distribution of their benefits. Approximately 1,700 former employees, or 38% of 

112

  
  
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

those that were offered the distribution, accepted the offer. In December 2019, we made payments of approximately $80 million 
from the U.S. defined benefit plan assets, which resulted in a settlement of $90 million, representing approximately 4% of our 
U.S. pension plan obligations. We recognized a settlement loss of $32 million of the pro-rata share of the unrecognized actuarial 
losses existing at the time of the settlement. 

The following table sets forth the weighted-average actuarial assumptions used in determining our annual pension 

expense:

Discount rate
Rate of increase in compensation levels

Expected long-term rate of return on

plan assets

Gain and loss amortization period

(years)

U.S. Plans
Years ended December 31,

Foreign Plans
Years ended December 31,

2019
4.35%

3.00%

2018
3.70%
3.00%

2017
4.20%
3.00%

2019
3.04%

3.08%

2018
2.70%
3.08%

2017
3.90%
3.10%

5.40%

5.40%

5.40%

5.36%

5.50%

5.48%

22

21

21

24

26

26

The return on plan assets assumption reflects the weighted-average of the expected long-term rates of return for the broad 

categories of investments held in the plans. The expected long-term rate of return is adjusted when there are fundamental 
changes in expected returns or in asset allocation strategies of the plan assets. 

Obligations and Funded Status

The following table sets forth the benefit obligations, assets and funded status associated with our pension plans:

2019

2018

(In thousands)

$

$

2,135,143
11,007
84,960
274,456
(102,905)
(96,290)
17,709
2,324,080

1,725,543
348,354
72,202
(96,290)
(93,049)
21,948
1,978,708
(345,372)

85%

$

$

2,298,902
12,108
78,234
(120,934)
—
(104,560)
(28,607)
2,135,143

1,941,330
(108,386)
27,741
(104,560)
—
(30,582)
1,725,543
(409,600)
81%

Change in benefit obligations:
Benefit obligations at January 1

Service cost
Interest cost
Actuarial (gain) loss
Pension settlement
Benefits paid
Foreign currency exchange rate changes

Benefit obligations at December 31

Change in plan assets:
Fair value of plan assets at January 1

Actual return on plan assets
Employer contribution
Benefits paid
Pension settlement
Foreign currency exchange rate changes
Fair value of plan assets at December 31
Funded status
Funded percent

113

 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

The funded status of our pension plans was presented in the Consolidated Balance Sheets as follows:

Noncurrent asset
Current liability
Noncurrent liability

Net amount recognized

December 31,

2019

2018

(In thousands)

$

$

$

72,320
(3,863)
(413,829)
(345,372) $

51,133
(3,754)
(456,979)
(409,600)

Amounts recognized in accumulated other comprehensive loss (pre-tax) consisted of:

Prior service cost
Net actuarial loss

Net amount recognized

December 31,

2019

2018

(In thousands)

13,798
869,907
883,705

$

$

14,519
929,995
944,514

$

$

In 2020, we expect to amortize $32 million of net actuarial loss as a component of pension expense.

The following table sets forth the weighted-average actuarial assumptions used in determining funded status:

Discount rate
Rate of increase in compensation levels

U.S. Plans
December 31,

Foreign Plans
December 31,

2019
3.30%
3.00%

2018
4.35%
3.00%

2019
2.30%
3.11%

2018
3.04%
3.08%

As of December 31, 2019 and 2018, our total accumulated benefit obligations, as well as our pension plan obligations 

(projected benefit obligations (PBO) and accumulated benefit obligations (ABO)) in excess of the fair value of the related plan 
assets, for our U.S. and foreign plans were as follows: 

U.S. Plans
December 31,

Foreign Plans
December 31,

Total
December 31,

2019

2018

2019

2018

2019

2018

(In thousands)

$ 1,812,813

$ 1,685,270

$ 489,135

$ 429,640

$ 2,301,948

$ 2,114,910

1,832,786
1,812,813
1,423,787

1,703,847
1,685,270
1,250,032

8,693
7,025
—

6,912
5,788

1,841,479
1,819,838
— 1,423,787

1,710,759
1,691,058
1,250,032

Total accumulated benefit obligations
Plans with pension obligations in excess
of plan assets:
PBO
ABO
Fair value of plan assets

Plan Assets 

Our pension investment strategy is to reduce the effects of future volatility on the fair value of our pension assets relative 

to our pension obligations. We increase our allocation of high quality, longer-term fixed income securities and reduce our 
allocation of equity investments as the funded status of the plans improve. The plans utilize several investment strategies, 
including actively and passively managed equity and fixed income strategies. The investment policy establishes targeted 
allocations for each asset class that incorporate measures of asset and liability risks. Deviations between actual pension plan 
asset allocations and targeted asset allocations may occur as a result of investment performance and changes in the funded 
status from time to time. Rebalancing of our pension plan asset portfolios is evaluated periodically and rebalanced if actual 
allocations exceed an acceptable range. U.S. plans account for approximately 72% of our total pension plan assets. Equity 
securities primarily include investments in both domestic and international common collective trusts and publicly traded 
equities. Fixed income securities primarily include domestic collective trusts and corporate bonds. Other types of investments 

114

 
 
 
 
 
 
 
 
 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

include private equity fund-of-funds and hedge fund-of-funds. Equity and fixed income securities in our international plans 
include actively and passively managed mutual fund.

The following table presents the fair value of each major category of pension plan assets and the level of inputs used to 

measure fair value as of December 31, 2019 and 2018: 

Asset Category

Equity securities:

U.S. common collective trusts
Foreign common collective trusts

Fixed income securities:

Corporate bonds
Common collective trusts
Private equity and hedge funds
Total

Asset Category

Equity securities:

U.S. common collective trusts
Foreign common collective trusts

Fixed income securities:

Corporate bonds
Common collective trusts

Private equity and hedge funds
Total

Fair Value Measurements at December 31, 2019

Total

Level 1

Level 2

Level 3

(In thousands)

384,739
379,717

$

84,519
1,011,515
118,218
1,978,708

$

— $
—

—
—
—
— $

384,739
379,717

$

—
—

84,519
1,011,515
—
1,860,490

$

—
—
118,218
118,218

Fair Value Measurements at December 31, 2018

Total

Level 1

Level 2

Level 3

(In thousands)

315,741
352,040

$

79,155
856,771
121,836
1,725,543

$

— $
—

—
—
—
— $

315,741
352,040

$

—
—

79,155
856,771
—
1,603,707

$

—
—
121,836
121,836

$

$

$

$

The following is a description of the valuation methodologies used for our pension assets as well as the level of input 

used to measure fair value:

Equity securities — These investments include common and preferred stocks and index common collective trusts that 

track U.S. and foreign indices. The common collective trusts were valued at the unit prices established by the funds’ sponsors 
based on the fair value of the assets underlying the funds. Since the units of the funds are not actively traded, the fair value 
measurements have been classified within Level 2 of the fair value hierarchy.

Fixed income securities — These investments include investment grade bonds of U.S. issuers from diverse industries, 

government issuers, index common collective trusts that track the Barclays Aggregate Index and other fixed income 
investments (primarily mortgage-backed securities). Fair values for the corporate bonds were valued using third-party pricing 
services. These sources determine prices utilizing market income models which factor in, where applicable, transactions of 
similar assets in active markets, transactions of identical assets in infrequent markets, interest rates, bond or credit default swap 
spreads and volatility. Since the corporate bonds are not actively traded, the fair value measurements have been classified 
within Level 2 of the fair value hierarchy. The common collective trusts were valued at the unit prices established by the funds’ 
sponsors based on the fair value of the assets underlying the funds. Since the units of the funds are not actively traded, the fair 
value measurements have been classified within Level 2 of the fair value hierarchy. The other investments are not actively 
traded and fair values are estimated using bids provided by brokers, dealers or quoted prices of similar securities with similar 
characteristics or pricing models. Therefore, the other investments have been classified within Level 2 of the fair value 
hierarchy.

Private equity and hedge funds — These investments represent limited partnership interests in private equity and hedge 

funds. The partnership interests are valued by the general partners based on the underlying assets in each fund. The limited

115

 
 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

partnership interests are valued using unobservable inputs and have been classified within Level 3 of the fair value hierarchy.

The following table presents a summary of changes in the fair value of the pension plans’ Level 3 assets for 2019 and 

2018: 

Beginning balance at January 1

Return on plan assets:

Relating to assets still held at the reporting date
Relating to assets sold during the period
Purchases, sales, settlements and expenses

Ending balance at December 31

2019

2018

(In thousands)

121,836

$

114,593

5,752
(44)
(9,326)
118,218

$

6,762
(38)
519
121,836

$

$

The following table details pension benefits expected to be paid in each of the next five fiscal years and in aggregate for 

the five fiscal years thereafter:

2020
2021
2022
2023
2024
2025-2029

(In thousands)

$

107,940
110,416
114,180
117,439
120,585
628,854

For 2020, required pension contributions to our pension plans are estimated to be $37 million. 

Multi-employer Plans

We participate in multi-employer plans that provide defined benefits to certain employees covered by collective-

bargaining agreements. Such plans are usually administered by a board of trustees comprised of the management of the 
participating companies and labor representatives. The net pension cost of these plans is equal to the annual contribution 
determined in accordance with the provisions of negotiated labor contracts. Assets contributed to such plans are not segregated 
or otherwise restricted to provide benefits only to our employees. The risks of participating in these multi-employer plans are 
different from single-employer plans in the following respects: 1) assets contributed to the multi-employer plan by one 
employer may be used to provide benefits to employees and former employees of other participating employers; 2) if a 
participating employer is no longer able to contribute to the plan, the unfunded obligations of the plan may be borne by the 
remaining participating employers at annual contribution rates under the collective bargaining agreements; 3) if there is a mass 
withdrawal of substantially all employers from the plan, we may be required to pay the plan an annual contribution based on 
historical contribution levels as prescribed by federal statute; and 4) if we choose to stop participating in some of our multi-
employer plans, we may be required to pay those plans an amount based on the underfunded status of the plan, which is 
referred to as a withdrawal liability.

Our participation in these plans is outlined in the table below. Unless otherwise noted, the most recent Pension Protection 

Act zone status available in 2019 and 2018 is for the plan years ended December 31, 2018 and December 31, 2017, 
respectively. The zone status is based on information that we received from the plan. Among other factors, plans in the red zone 
are generally less than sixty-five percent funded, plans in the yellow zone are less than eighty percent funded, and plans in the 
green zone are at least eighty percent funded.

116

 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

Pension Protection
Act Zone Status

Ryder Contributions

Employer
Identification
Number

2019

2018

FIP/RP Status       

Pending/ 
Implemented (1)

2019

2018

2017

(In thousands)

Expiration Date(s) of
Collective-
Bargaining
Agreement(s)

Surcharge
Imposed

91-6145047

Green

51-6031295

Red

Green

Green

No

$ 3,971

$ 3,488

$ 3,245

RP Adopted

4,148

3,953

3,891

No

Yes

01/12/18 to 03/31/21

10/01/19 to 09/14/23

36-6042061 Yellow

Yellow

FIP Adopted

1,494

969

1,435

931

2,048

Yes

06/01/19 to 05/31/22

915

10,582

9,807

10,099

—

(481)

5,454

$ 10,582

$ 9,326

$ 15,553

Pension Fund

Western Conference 
Teamsters (2)
IAM National (3)

Automobile Mechanics

Local No. 701

Other funds

Total contributions

Pension settlement (benefit)

charges

Union-administered plans

_____________ 
(1)  The “FIP/RP Status Pending/Implemented” column indicates plans for which a financial improvement plan (FIP) or a rehabilitation plan (RP) is either 

pending or has been implemented.

(2)  The Pension Protection Act zone status is for the plan year ended December 31, 2019.
(3)  The Trustees voluntarily elected to put the fund in red status, even though the plan is at least eighty percent funded, and implemented a rehabilitation plan. 

Our contributions are impacted by changes in contractual contributions rates as well as changes in the number of 

employees covered by each plan. 

Savings Plans

Employees who do not actively participate in pension plans and are not covered by union-administered plans are 
generally eligible to participate in enhanced savings plans. These plans provide for (i) a company contribution even if 
employees do not make contributions for employees hired before January 1, 2016, (ii) a company match of employee 
contributions of eligible pay, subject to tax limits and (iii) a discretionary company match. Savings plan costs totaled $39 
million, $40 million and $39 million in 2019, 2018 and 2017, respectively.

Deferred Compensation and Long-Term Compensation Plans

We have deferred compensation plans that permit eligible U.S. employees, officers and directors to defer a portion of 
their compensation. The deferred compensation liability, including Ryder matching amounts and accumulated earnings, totaled 
$71 million and $60 million as of December 31, 2019 and 2018, respectively.

We have established grantor trusts (Rabbi Trusts) to provide funding for benefits payable under the supplemental pension 

plan, deferred compensation plans and long-term incentive compensation plans. The assets held in the trusts were $72 million 
and $60 million as of December 31, 2019 and 2018, respectively. The Rabbi Trusts’ assets consist of short-term cash 
investments and a managed portfolio of equity securities, including our common stock. These assets, except for the investment 
in our common stock, are included in “Sales-type leases and other assets” because they are available to our general creditors in 
the event of insolvency. The equity securities are classified as trading securities and stated at fair value. Both realized and 
unrealized gains and losses are included in “Miscellaneous income, net.” The Rabbi Trusts’ investments of $1 million in our 
common stock as of both December 31, 2019 and 2018, are reflected at historical cost and included in shareholders’ equity.

117

 
 
 
 
 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

Investments held in Rabbi Trusts are assets measured at fair value on a recurring basis, all of which are considered Level 1 

of the fair value hierarchy. The following table presents the asset classes as of December 31, 2019 and 2018: 

Cash and cash equivalents

U.S. equity mutual funds

Foreign equity mutual funds

Fixed income mutual funds

Total Investments held in Rabbi Trusts

Other Postretirement Benefits

December 31,

2019

2018

(In thousands)

18,460

$

34,035

8,658

9,800

70,953

$

15,578

29,298

6,678

7,849

59,403

$

$

We sponsor plans that provide retired U.S. and Canadian employees with certain healthcare and life insurance benefits. 

Substantially all U.S. and Canadian employees not covered by union-administered health and welfare plans are eligible for the 
healthcare benefits. The postretirement medical plan was closed to non-grandfathered participants in 2013. Healthcare benefits 
for our principal plan are generally provided to qualified retirees under age 65 and eligible dependents. This plan requires 
employee contributions that vary based on years of service and include provisions that limit our contributions. The benefit 
obligation was $22 million and $19 million as of December 31, 2019 and 2018, respectively. The amount of postretirement 
benefit expense was not material for 2019, 2018 and 2017.

21.     ENVIRONMENTAL MATTERS 

Our operations involve storing and dispensing petroleum products, primarily diesel fuel, regulated under environmental 
protection laws. These laws require us to eliminate or mitigate the effect of such substances on the environment. In response to 
these requirements, we continually upgrade our operating facilities and implement various programs to detect and minimize 
contamination. In addition, we have received notices from the Environmental Protection Agency (EPA) and others that we have 
been identified as a potentially responsible party under the Comprehensive Environmental Response, Compensation, and 
Liability Act; the Superfund Amendments and Reauthorization Act; and similar state statutes. We may be required to share in 
the cost of cleanup of 21 identified disposal sites.

Our environmental expenses, which are presented within “Cost of fuel services” in our Consolidated Statements of 
Earnings, consist of remediation costs as well as normal recurring expenses such as licensing, testing and waste disposal fees. 
These expenses totaled $16 million, $12 million and $12 million in 2019, 2018 and 2017, respectively. The carrying amount of 
our environmental liabilities was $12 million and $10 million as of December 31, 2019 and 2018, respectively. Our asset 
retirement obligations related to fuel tanks to be removed are not included above. Asset retirement obligations totaled $28 
million and $27 million as of December 31, 2019 and 2018, respectively. The carrying amount of our environmental liabilities 
and our asset retirement obligations are included in “Accrued expenses and other current liabilities” and “Other non-current 
liabilities” in our Consolidated Balance Sheets.

The ultimate cost of our environmental liabilities cannot presently be projected with certainty due to the presence of 
several unknown factors, primarily the level of contamination, the effectiveness of selected remediation methods, the stage of 
investigation at individual sites, the determination of our liability in proportion to other responsible parties and the 
recoverability of such costs from third parties. Based on information presently available, we believe that the ultimate 
disposition of these matters, although potentially material to the results of operations in any one year, will not have a material 
adverse effect on our financial condition or liquidity.

118

 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

22.     OTHER ITEMS IMPACTING COMPARABILITY 

Our primary measure of segment performance as shown in Note 26, "Segment Reporting," excludes certain items we do 

not believe are representative of the ongoing operations of the segment. Excluding these items from our segment measure of 
performance allows for better year over year comparison: 

Restructuring and other, net (1)
ERP implementation costs (1)
Goodwill impairment (2)

Restructuring and other items, net

Tax reform related bonus

Operating tax adjustment
Pension related adjustment (3)
Gain on sale of property (4)

Total

_______________
(1) Refer to Note 5, "Restructuring and Other Items, Net," for additional information.
(2) Refer to Note 9, "Goodwill," for additional information.
(3) Refer to Note 20, "Employee Benefit Plans," for additional information.
(4) Refer to Note 25,"Miscellaneous Income, Net," for additional information.

Years ended December 31,

2019

2018

(In thousands)

2017

$

$

35,308
21,260
—

56,568

—
—
—
(18,614)
37,954

$

$

5,597
742
15,513
21,852

—
—
—
—
21,852

$

$

17,265
—
—
17,265

23,278
2,205
5,454
(24,122)
24,080

In connection with the 2017 Tax Reform, we awarded a one-time bonus, totaling $23 million in the aggregate, to our U.S.-
based non-incentive eligible employees in 2017. The bonus is reflected within “Selling, general and administrative expenses” in 
the Consolidated Statements of Earnings.

During 2017, we determined that certain operating tax expenses related to prior periods had not been recognized in prior 

period earnings. We recorded a one-time charge of $2 million within “Selling, general and administrative expenses” in the 
Consolidated Statements of Earnings as the impact of the adjustment was not material to our consolidated financial statements. 

23.     OTHER MATTERS

We are a party to various claims, complaints and proceedings arising in the ordinary course of our continuing business 

operations including, but not limited to, those relating to commercial and employment claims, environmental matters, risk 
management matters (e.g., vehicle liability, workers’ compensation, etc.), and administrative assessments primarily associated 
with operating taxes. We have established loss provisions for matters in which losses are probable and can be reasonably 
estimated. For matters from continuing operations, we believe that the resolution of these claims, complaints and legal 
proceedings will not have a material effect on our consolidated financial statements.  

Our estimates regarding potential losses and materiality are based on our judgment and assessment of the claims utilizing 

currently available information. Although we will continue to reassess our reserves and estimates based on future 
developments, our objective assessment of the legal merits of such claims may not always be predictive of the outcome and 
actual results may vary from our current estimates. 

119

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

24.     SUPPLEMENTAL CASH FLOW INFORMATION 

Supplemental cash flow information was as follows: 

Interest paid
Income taxes paid
Changes in accounts payable related to purchases of revenue

earning equipment

25.     MISCELLANEOUS INCOME, NET 

Years ended December 31,

2019

2018

(In thousands)

2017

$

225,842
6,325

$

161,826
22,965

$

129,559
13,692

(114,751)

114,862

80,781

Years ended December 31,

2019

2018

(In thousands)

2017

Gains on sales of operating property and equipment

$

17,577

$

2,478

$

26,093

Insurance recoveries

Contract settlement
Foreign currency transaction gains (losses)

Rabbi trust investment income (loss)

Other, net

Total

1,033

—

273

11,221

3,538

1,155

817
(459)
(3,247)
4,678

$

33,642

$

5,422

$

1,734

1,600

657

10,522

3,639

44,245

In 2019, we recorded a gain on the sale of certain SCS properties. In 2017, gains on sales of properties were $26 million 

which included the gain on the sale of a SCS property of $25 million. Refer to Note 20 "Employee Benefit Plans" for additional 
information on Rabbi trust investment income (loss). 

120

 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

26.     SEGMENT REPORTING 

Ryder is a global leader in transportation and supply chain management solutions. Our operating segments are aggregated 

into reportable business segments based upon similar economic characteristics, products, services, customers and delivery 
methods. We report our financial performance based on three business segments: (1) FMS, which provides full service leasing 
and leasing with flexible maintenance options, commercial rental, and contract or transactional maintenance services of trucks, 
tractors and trailers to customers principally in the U.S., Canada and the U.K.; (2) SCS, which provides integrated logistics 
solutions, including distribution, management, dedicated transportation and professional services in North America; and (3) 
DTS, which provides turnkey transportation solutions in the U.S. that includes dedicated vehicles, drivers and engineering and 
administrative support. Dedicated transportation services provided as part of an operationally integrated, multi-service, supply 
chain solution to SCS customers are primarily reported in the SCS business segment.

Our primary measurement of segment financial performance, defined as “Earnings from continuing operations before 
taxes” (EBT) from continuing operations, includes an allocation of Central Support Services (CSS) and excludes non-operating 
pension costs and certain other items as discussed in Note 5, "Restructuring and Other Items, Net" and Note 22, "Other Items 
Impacting Comparability." CSS represents those costs incurred to support all business segments, including finance and 
procurement, corporate services, human resources, information technology, public affairs, legal, marketing and corporate 
communications. The objective of the EBT measurement is to provide clarity on the profitability of each business segment and, 
ultimately, to hold leadership of each business segment accountable for their allocated share of CSS costs. Certain costs are not 
attributable to any segment and remain unallocated in CSS, including costs for investor relations, public affairs and certain 
executive compensation. CSS costs attributable to the business segments are predominantly allocated to FMS, SCS and DTS as 
follows:

•  Finance, corporate services, and health and safety — allocated based upon estimated and planned resource utilization;

•  Human resources — individual costs within this category are allocated under various methods, including allocation 

based on estimated utilization and number of personnel supported;

• 

Information technology — principally allocated based upon utilization-related metrics such as number of users or 
minutes of CPU time. Customer-related project costs and expenses are allocated to the business segment responsible 
for the project; and

•  Other — represents legal and other centralized costs and expenses including certain share-based incentive 
compensation costs. Expenses, where allocated, are based primarily on the number of personnel supported.

Our FMS segment leases revenue earning equipment and provides fuel, maintenance and other ancillary services to the 
SCS and DTS segments. EBT related to inter-segment equipment and services billed to SCS and DTS customers (equipment 
contribution) are included in both FMS and the segment that served the customer and then eliminated upon consolidation 
(presented as “Eliminations”). Inter-segment EBT allocated to SCS and DTS includes earnings related to equipment used in 
providing services to SCS and DTS customers.

Segment results are not necessarily indicative of the results of operations that would have occurred had each segment 
been an independent, stand-alone entity during the periods presented. Each business segment follows the same accounting 
policies as described in Note 1, “Summary of Significant Accounting Policies.” However, we do not record right-of-use assets 
or liabilities for our intercompany operating leases between FMS and SCS and DTS business segments. The following tables 
set forth financial information for each of our segments and provide a reconciliation between segment EBT and earnings from 
continuing operations before income taxes. Prior period segment amounts have been revised to reflect the adoption of the new 
leasing standard (refer to Note 2 for further information).

121

RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

Revenue:

Fleet Management Solutions:

ChoiceLease
Commercial rental
SelectCare
Other
Fuel services revenue
Fleet Management Solutions
Supply Chain Solutions
Dedicated Transportation Solutions
Eliminations

Total revenue

Earnings (Loss) Before Taxes:
Fleet Management Solutions
Supply Chain Solutions
Dedicated Transportation Solutions
Eliminations

Unallocated Central Support Services
Non-operating pension costs (1)
Other items impacting comparability, net (2)

Earnings (loss) from continuing operations before income taxes

Years ended December 31,

2019

2018

(In thousands)

2017

$

$

$

$

3,112,311
1,009,086
541,358
92,286
816,362
5,571,403
2,551,271
1,417,483
(614,356)
8,925,801

$

$

(70,274) $
145,060
81,149
(50,732)
105,203
(49,114)
(60,406)
(37,954)
(42,271) $

2,860,266
960,606
502,835
87,331
847,655
5,258,693
2,398,144
1,333,313
(576,204)
8,413,946

340,038
130,262
61,236
(63,593)
467,943
(49,081)
(7,541)
(21,852)
389,469

$

$

$

$

2,671,687
813,539
464,056
77,450
689,809
4,716,541
1,937,352
1,095,645
(469,464)
7,280,074

295,618
98,825
55,346
(53,273)
396,516
(48,259)
(27,741)
(24,080)
296,436

______________ 
(1)  Non-operating pension costs include the amortization of net actuarial loss and prior service costs, interest cost and expected return on plan assets

components of pension and postretirement benefit costs and pension settlement charges. Refer to Note 20, "Employee Benefit Plans," for a discussion on 
these items.

(2)  Refer to Note 22, “Other Items Impacting Comparability,” for a discussion of items excluded from our primary measure of segment performance.

122

 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

The following table sets forth depreciation expense, amortization expense and other non-cash charges, net, interest 

expense (income), capital expenditures paid and total assets for the years ended December 31, 2019, 2018 and 2017, as 
provided to the chief operating decision-maker for each of our reportable business segments:

2019

Depreciation expense (1)
Amortization expense and other non-
cash charges, net
Interest expense (income) (2)
Capital expenditures paid
Total assets

2018

Depreciation expense (1)
Amortization expense and other non-cash
charges, net
Interest expense (income) (2)
Capital expenditures paid
Total assets

2017

Depreciation expense (1)
Amortization expense and other non-cash
charges, net
Interest expense (income) (2)
Capital expenditures paid
Total assets

FMS

SCS

DTS

CSS

Eliminations

Total

(In thousands)

$ 1,825,816

42,428

3,795

6,890

— $ 1,878,929

126,224
$
243,406
$
$ 3,643,573
$ 12,991,716

55,658
1,038
49,421
1,236,589

1,427
(3,224)
2,182
327,384

$ 1,346,484

34,631

4,773

$

$

81,041

181,335

$ 2,979,482

65,443

1,171

45,348

1,469

(2,262)

1,444

$ 11,854,454

1,123,864

324,906

3,815
161
39,998
305,631

2,682

1,053

244

24,135

404,999

187,124
— $
241,381
— $
— $ 3,735,174
(385,986) $ 14,475,334

— $ 1,388,570

— $

— $

149,006

180,488

— $ 3,050,409

(360,415) $ 13,347,808

$ 1,218,897

32,245

3,513

3,026

— $ 1,257,681

$

$

79,252

145,400

$ 1,783,917

$ 10,528,482

28,032

(2,398)

50,117

1,801

(1,659)

3,375

907,627

278,863

(263)

533

23,027

280,371

— $

— $

108,822

141,876

— $ 1,860,436

(269,614) $ 11,725,729

____________ 
(1)  Depreciation expense totaling $27 million, $25 million and $24 million during 2019, 2018 and 2017, respectively, associated with CSS assets was 

(2) 

allocated to business segments based upon estimated and planned asset utilization.
Interest expense was primarily allocated to the FMS segment since such borrowings were used principally to fund the purchase of revenue earning 
equipment used in FMS; however, interest income was also reflected in SCS and DTS based on targeted segment leverage ratios.

Geographic Information 

Long-lived assets:
United States
Foreign:

Canada
Europe
Mexico
Singapore

Total

Years ended December 31,
2019

2018

(In thousands)

$

10,106,520

$

9,125,278

737,037
439,772

62,134
—
1,238,943
11,345,463

$

651,424
444,468
56,608
237
1,152,737
10,278,015

$

123

 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS - (Continued)

27.     QUARTERLY INFORMATION (UNAUDITED) 

Earnings
(Loss) from
Continuing
Operations
Before Income
Taxes

Revenue

Earnings 
(Loss) from
Continuing 
Operations

Net Earnings
(Loss)

Earnings (Loss) from
Continuing
Operations per
Common Share

Net Earnings (Loss) per
Common Share

Basic

Diluted

Basic

Diluted

(In thousands, except per share amounts)

2019

First quarter
Second quarter
Third quarter
Fourth quarter
Full year

2018

First quarter
Second quarter
Third quarter
Fourth quarter
Full year

$ 2,180,327
2,244,993
2,223,932
2,276,549

$

$

68,151
103,069
(91,260)
(122,231)

$ 8,925,801

$

(42,271) $

$

45,890
75,452
(91,538)
(53,076)
(23,272) $

$

$

$

0.86
0.87
45,316
1.43
1.43
75,215
(1.75)
(1.75)
(91,455)
(53,486)
(1.02)
(1.02)
(24,410) $ (0.45) $ (0.45) $ (0.47) $ (0.47)

0.87
1.44
(1.75)
(1.02)

0.86
1.43
(1.75)
(1.02)

$

$

$ 1,904,205
2,089,904
2,159,682
2,260,155

$

52,699
101,894
118,863
116,013

$

$

37,313
46,169
91,602
111,838

36,886
44,908
90,842
111,977

$ 8,413,946

$

389,469

$

286,922

$

284,613

$

0.71
0.88
1.74
2.13

5.46

$

$

0.70
0.87
1.73
2.12

5.43

$

$

0.70
0.85
1.73
2.13

5.41

$

$

0.70
0.85
1.72
2.12

5.38

Quarterly and year-to-date computations of per share amounts are made independently; therefore, the sum of per-share 

amounts for the quarters may not equal per-share amounts for the year. 

Refer to Note 5, “Restructuring and Other Items, Net,” and Note 22, “Other Items Impacting Comparability,” for items 

included in earnings during 2019 and 2018.

Refer to Note 7, "Revenue Earning Equipment, Net" for further discussion on adjustments to the estimated residual values 

on revenue earning equipment that impacted earnings in the third and fourth quarter of 2019.

124

 
 
 
 
 
RYDER SYSTEM, INC. AND SUBSIDIARES
SCHEDULE II - VALUATION AND QUALIFYING ACCOUNTS

Description

2019
Accounts receivable allowance
Self-insurance accruals (3)
Valuation allowance on deferred tax assets
2018
Accounts receivable allowance
Self-insurance accruals (3)
Valuation allowance on deferred tax assets
2017
Accounts receivable allowance
Self-insurance accruals (3)
Valuation allowance on deferred tax assets

Additions

Balance at
Beginning
of Period

Charged to
Earnings

Transferred
from Other
Accounts (1)
(In thousands)

Deductions 

(2)

Balance
at End
of Period

$
$
$

$
$
$

$
$
$

17,182
357,526
16,186

13,847
348,612
18,667

14,915
336,901
16,387

23,003
436,148
1,906

10,890
359,528
(534)

12,335
327,306
2,213

—
86,832
—

—
82,904
—

—
74,153
—

17,424
469,521
515

7,555
433,518
1,947

$
$
$

$
$
$

13,403
389,748

$
$
(67) $

22,761
410,985
17,577

17,182
357,526
16,186

13,847
348,612
18,667

______________ 
(1)  Transferred from other accounts includes employee contributions made to the medical and dental self-insurance plans.
(2)  Deductions represent write-offs, lease termination payments, insurance claim payments during the period and net foreign currency translation 

adjustments.

(3)  Self-insurance accruals include vehicle liability, workers’ compensation, property damage, cargo and medical and dental, which comprise our self-

insurance programs. Amounts charged to earnings include developments in prior years' selected loss development factors, which charged earnings by $18 
million in 2019 and $1 million in 2018 and benefited earnings by $9 million in 2017.

125

 
 
 
 
 
ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON
 ACCOUNTING AND FINANCIAL DISCLOSURE

None.

Evaluation of Disclosure Controls and Procedures

ITEM 9A. CONTROLS AND PROCEDURES

As of the end of the period covered by this report, we carried out an evaluation, under the supervision and with the 
participation of management, including Ryder’s Chief Executive Officer and Chief Financial Officer, of the effectiveness of the 
design and operation of Ryder’s disclosure controls and procedures (as defined in Rule 13a-15(e) under the Securities Exchange 
Act of 1934). Based upon that evaluation, the Chief Executive Officer and Chief Financial Officer concluded that at 
December 31, 2019, Ryder’s disclosure controls and procedures (as defined in Rule 13a-15(e) under the Securities Exchange 
Act of 1934) were effective.

Management’s Report on Internal Control over Financial Reporting

Management’s Report on Internal Control over Financial Reporting and the Report of Independent Registered Certified 

Public Accounting Firm thereon are set out in Item 8 of Part II of this Form 10-K Annual Report.

Changes in Internal Controls over Financial Reporting

Beginning January 1, 2019, we adopted ASU No. 2016-02, “Leases (Topic 842)” and related amendments (collectively, 

the “new lease standard”). As a result of our adoption of the new lease standard, we implemented significant new lease 
accounting systems, processes and internal controls over lease accounting to assist us in the application of the new lease 
standard. During the three months ended December 31, 2019, there were no changes in Ryder’s internal control over financial 
reporting that have materially affected or are reasonably likely to materially affect such internal control over financial reporting.

None.

ITEM 9B. OTHER INFORMATION

PART III

ITEM 10. DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE

The information required by Item 10 with respect to executive officers is included within Item 1 in Part I under the 

caption “Information about our Executive Officers” of this Form 10-K Annual Report.

The information required by Item 10 with respect to directors, audit committee, audit committee financial experts and 

Section 16(a) beneficial ownership reporting compliance (to the extent applicable) is included under the captions “Election of 
Directors,” “Audit Committee,” and “Delinquent Section 16(a) Reports,” respectively, in our definitive proxy statement, which 
will be filed with the Commission within 120 days after the close of the fiscal year, and is incorporated herein by reference.

Ryder has adopted a code of conduct applicable to all employees, including its Chief Executive Officer, Chief Financial 

Officer, Controller and Senior Financial Management. We will provide a copy of our code of conduct to anyone, free of charge, 
upon request through our Investor Relations Page, on our website at www.ryder.com. 

ITEM 11. EXECUTIVE COMPENSATION

The information required by Item 11 is included under the captions “Compensation Discussion and Analysis,” “Executive 

Compensation,” “Compensation Committee,” “Compensation Committee Report on Executive Compensation” and “Director 
Compensation” in our definitive proxy statement, which will be filed with the Commission within 120 days after the close of 
the fiscal year, and is incorporated herein by reference.

126

ITEM 12. SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS 
AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS

The information required by Item 12 with respect to security ownership of certain beneficial owners and management is 

included under the captions “Security Ownership of Officers and Directors” and “Security Ownership of Certain Beneficial 
Owners” in our definitive proxy statement, which will be filed with the Commission within 120 days after the close of the fiscal 
year, and is incorporated herein by reference.

Securities Authorized for Issuance under Equity Compensation Plans

The following table includes information as of December 31, 2019 about certain plans that provide for the issuance of 

common stock in connection with the exercise of stock options and other share-based awards. 

Plans

Equity compensation plans approved by security holders:

Broad based employee stock plans

Employee stock purchase plan

Non-employee directors' stock plans

Total

Number of Securities to
be issued upon Exercise
of Outstanding Options,
Warrants and Rights

Weighted-Average
Exercise Price of
Outstanding Options,
Warrants and Rights

Number of
Securities
Remaining
Available for Future
Issuance Under
Equity
Compensation Plans
Excluding
Securities Reflected
in Column (a)

(a)

(b)

(c)

2,935,754 (1)

—
209,917 (2)

3,145,671

$69.69 (3)
—

—

$69.69

656,593

356,649

37,484

1,050,726

 _______________
(1) 

Includes 1,989,773 stock options, 526,420 time-vested restricted stock awards, 17,880 market-based restricted stock awards and 401,681 performance-
based restricted stock awards, which includes 27,392 performance-based restricted stock rights not considered granted under accounting guidance for 
stock compensation. Refer to Note 19, "Share-Based Compensation Plans", for additional information.
Includes 204,079 time-vested restricted stock awards, as well as 5,838 time-vested restricted stock awards awarded to non-executive directors and vested 
but not exercisable until six months after the director's retirement.  

(2) 

(3)  Weighted-average exercise price of outstanding options excludes restricted stock awards and restricted stock units. 

ITEM 13. CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, 
AND DIRECTOR INDEPENDENCE

The information required by Item 13 is included under the captions “Board of Directors” and “Related Person 

Transactions” in our definitive proxy statement, which will be filed with the Commission within 120 days after the close of the 
fiscal year, and is incorporated herein by reference.

ITEM 14. PRINCIPAL ACCOUNTANT FEES AND SERVICES

The information required by Item 14 is included under the caption “Ratification of Independent Auditor” in our definitive 
proxy statement, which will be filed with the Commission within 120 days after the close of the fiscal year, and is incorporated 
herein by reference.

127

PART IV

ITEM 15. EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

(a)  Items A through H and Schedule II are presented on the following pages of this Form 10-K Annual Report:

1. Financial Statements for Ryder System, Inc. and Consolidated Subsidiaries:

A) Management’s Report on Internal Control over Financial Reporting
B) Report of Independent Registered Certified Public Accounting Firm
C) Consolidated Statements of Earnings
D) Consolidated Statements of Comprehensive Income
E) Consolidated Balance Sheets
F) Consolidated Statements of Cash Flows
G) Consolidated Statements of Shareholders’ Equity
H) Notes to Consolidated Financial Statements

2. Consolidated Financial Statement Schedule for the Years Ended December 31, 2019, 2018
and 2017

Schedule II — Valuation and Qualifying Accounts

Page No.    

66
67
71
72
73
74
75
76

125

All other schedules are omitted because they are not applicable or the required information is shown in the consolidated 

financial statements or notes thereto.

Supplementary Financial Information consisting of selected quarterly financial data is included in Item 8 of this report.

3. Exhibits:

The following exhibits are filed with this report or, where indicated, incorporated by reference (Forms 10-K, 10-Q and 8-

K referenced herein have been filed under the Commission’s file No. 1-4364). Ryder will provide a copy of the exhibits filed 
with this report at a nominal charge to those parties requesting them.

None.

ITEM 16. FORM 10-K SUMMARY

128

 
  
  
  
  
  
  
  
  
  
  
Exhibit
  Number  
3.1

3.2

4.1

4.2

4.3

4.4

4.5

4.6

10.1*

10.2*

10.3*

10.4*

10.5*

10.6*

EXHIBIT INDEX

Description

The Ryder System, Inc. Restated Articles of Incorporation (conformed copy incorporating all amendments 
through May 3, 2019), previously filed with the Commission on May 9, 2019 as an exhibit to Ryder's 
Quarterly Report on Form 10-Q, is incorporated by reference in this report.

The Ryder System, Inc. By-Laws, as amended through May 3, 2019, previously filed with the Commission on 
May 9, 2019 as an exhibit to Ryder's Quarterly Report on Form 10-Q, is incorporated by reference in this 
report.

Ryder hereby agrees, pursuant to paragraph (b)(4)(iii) of Item 601 of Regulation S-K, to furnish the
Commission with a copy of any instrument defining the rights of holders of long-term debt of Ryder, where
such instrument has not been filed as an exhibit hereto and the total amount of securities authorized there
under does not exceed 10% of the total assets of Ryder and its subsidiaries on a consolidated basis.
The First Supplemental Indenture between Ryder System, Inc. and The Chase Manhattan Bank (National
Association) dated October 1, 1987, previously filed with the Commission as an exhibit to Ryder's Annual
Report on Form 10-K for the year ended December 31, 1994, is incorporated by reference into this report.

The Form of Indenture between Ryder System, Inc. and The Chase Manhattan Bank (National Association)
dated as of May 1, 1987, and supplemented as of November 15, 1990 and June 24, 1992, filed with the
Commission on July 30, 1992 as an exhibit to Ryder's Registration Statement on Form S-3 (No. 33-50232), is
incorporated by reference into this report.
The Form of Indenture between Ryder System, Inc. and J.P. Morgan Trust Company (National Association) 
dated as of October 3, 2003 filed with the Commission on August 29, 2003 as an exhibit to Ryder's 
Registration Statement on Form S-3 (No. 333-108391), is incorporated by reference into this report.

Form of Medium-Term Note - Master Note, previously filed with the Commission on July 30, 2019, as an 
exhibit to Ryder’s Quarterly Report on Form 10-Q, is incorporated by reference in this report.

Description of Ryder System Inc.'s Securities Registered Under Section 12 of the Securities Exchange Act of 
1934.

The Ryder System, Inc. 2005 Equity Compensation Plan, previously filed with the Commission on March 21, 
2008, as Appendix A to Ryder's Definitive Proxy Statement on Schedule 14A, is incorporated by reference 
into this report.

The Ryder System, Inc. Stock Purchase Plan for Employees, previously filed with the Commission on March 
29, 2010, as Appendix B to Ryder System, Inc.'s Definitive Proxy Statement on Schedule 14A, is incorporated 
by reference into this report.

Terms and Conditions applicable to restricted stock units granted under the Ryder System, Inc. 2005 Equity 
Compensation Plan, previously filed with the Commission as an exhibit to Ryder's Quarterly Report on Form 
8-K filed with the Commission on May 11, 2005, are incorporated by reference into this report.

Ryder System, Inc. 2012 Equity and Incentive Compensation Plan, previously filed with the Commission as 
an exhibit to Ryder's Current Report on Form 8-K filed with the Commission on May 10, 2012, is 
incorporated by reference into this report.

Terms and Conditions applicable to non-qualified stock options granted under the Ryder System, Inc. 2012 
Equity and Incentive Compensation Plan, previously filed with the Commission as an exhibit to Ryder's 
Current Report on Form 8-K filed with the Commission on May 10, 2012, are incorporated by reference into 
this report.

Terms and Conditions applicable to restricted stock units granted under the Ryder System, Inc. 2012 Equity 
and Incentive Compensation Plan, previously filed with the Commission as an exhibit to Ryder's Current 
Report on Form 8-K filed with the Commission on May 10, 2012, are incorporated by reference into this 
report.

129

  
  
  
  
  
  
  
 
  
  
Exhibit
  Number  
10.7*

10.8*

10.9*

10.10*

10.11*

10.12*

10.13*

10.14*

10.15*

10.16*

10.17*

10.18*

10.19*

10.20*

10.21*

10.22*

10.23*

Description

Amended and Restated Ryder System, Inc. 2012 Equity and Incentive Compensation Plan, previously filed 
with the Commission on May 10, 2016 as an exhibit to Ryder’s Quarterly Report on Form 8-K, is incorporated 
by reference to this report. 

Form of Terms and Conditions applicable to non-qualified stock options granted under the Amended and 
Restated Ryder System, Inc. 2012 Equity and Incentive Compensation Plan, previously filed with the 
Commission on July 27, 2016 as an exhibit to Ryder’s Quarterly Report on Form 10-Q, is incorporated by 
reference to this report.

Form of Terms and Conditions applicable to restricted stock units for non-employee directors granted under the 
Amended and Restated Ryder System, Inc. 2012 Equity and Incentive Compensation Plan, previously filed 
with the Commission on July 27, 2016 as an exhibit to Ryder’s Quarterly Report on Form 10-Q, is incorporated 
by reference to this report.
The Form of Amended and Restated Severance Agreement for Chief Executive Officer, previously filed with 
the Commission on February 14, 2017 as an exhibit to Ryder's Annual Report on Form 10-K for the year ended 
December 31, 2016, is incorporated by reference into this report.

The Ryder System, Inc. Executive Severance Plan, effective as of January 1, 2017, previously filed with the 
Commission on February 14, 2017 as an exhibit to Ryder's Annual Report on Form 10-K for the year ended 
December 31, 2016, is incorporated by reference into this report.
Form of Terms and Conditions applicable to non-qualified stock options granted under the Amended and 
Restated Ryder System, Inc. 2012 Equity and Incentive Compensation Plan, previously filed with the 
Commission on April 25, 2017 as an exhibit to Ryder’s Quarterly Report on Form 10-Q, is incorporated by 
reference to this report.

Form of Terms and Conditions applicable to performance-based restricted stock rights granted under the 
Amended and Restated Ryder System, Inc. 2012 Equity and Incentive Compensation Plan, previously filed 
with the Commission on April 25, 2017 as an exhibit to Ryder’s Quarterly Report on Form 10-Q, is 
incorporated by reference to this report.

Form of Terms and Conditions applicable to restricted stock rights granted under the Amended and Restated 
Ryder System, Inc. 2012 Equity and Incentive Compensation Plan, previously filed with the Commission on 
April 25, 2017 as an exhibit to Ryder’s Quarterly Report on Form 10-Q, is incorporated by reference to this 
report.

Form of Terms and Conditions applicable to restricted stock units granted under the Amended and Restated 
Ryder System, Inc. 2012 Equity and Incentive Compensation Plan, previously filed with the Commission on 
April 25, 2017 as an exhibit to Ryder’s Quarterly Report on Form 10-Q, is incorporated by reference to this 
report.

Form of Terms and Conditions applicable to performance-based restricted stock rights granted under the 
Amended and Restated Ryder System, Inc. 2012 Equity and Incentive Compensation Plan, previously filed 
with the Commission on February 20, 2018 as an exhibit to Ryder’s Annual Report on Form 10-K, is 
incorporated by reference to this report. 

The Form of Amended and Restated Severance Agreement for named executive officers (other than the Chief 
Executive Officer), previously filed with the Commission on February 20, 2018 as an exhibit to Ryder’s 
Annual Report on Form 10-K, is incorporated by reference to this report. 

Form of Terms and Conditions applicable to stock-awards for non-employee directors issued under the 
Amended and Restated Ryder System, Inc. 2012 Equity and Incentive Compensation Plan, previously filed 
with the Commission on July 25, 2018 as an exhibit to Ryder’s Quarterly Report on Form 10-Q, is incorporated 
by reference to this report. 

Form of Terms and Conditions applicable to deferred stock awards for non-employee directors issued under the 
Amended and Restated Ryder System, Inc. 2012 Equity and Incentive Compensation Plan, previously filed 
with the Commission on October 26, 2018 as an exhibit to Ryder’s Quarterly Report on Form 10-Q, is 
incorporated by reference to this report. 

The Ryder System, Inc. Directors Stock Award Plan, as amended and restated at February 10, 2005, previously 
filed with the Commission on February 24, 2005 as an exhibit to Ryder's Annual Report on Form 10-K for the 
year ended December 31, 2004, is incorporated by reference into this report.

The Ryder System, Inc. Directors Stock Plan, as amended and restated at May 7, 2004, previously filed with 
the Commission on February 24, 2005 as an exhibit to Ryder's Annual Report on Form 10-K for the year ended 
December 31, 2004, is incorporated by reference into this report.

The Ryder System Benefit Restoration Plan, as amended and restated, previously filed with the Commission as 
an exhibit to Ryder's Current Report on Form 8-K filed with the Commission on February 11, 2009, is 
incorporated by reference into this report.

Form of Indemnification Agreement for independent directors, effective as of February 24, 2016, previously 
filed with the Commission as an exhibit to Ryder's Current Report on Form 8-K filed with the Commission on 
February 29, 2016, is incorporated by reference into this report.

130

  
  
Exhibit
  Number  
10.24*

10.25*

10.26

10.27*

10.28*

10.29*

10.30*

10.31*

10.32*

10.33*

10.34*

10.35*

10.36*

10.37*

10.38*

10.39*

21.1

23.1

Description

The Ryder System, Inc. Deferred Compensation Plan, effective as of January 1, 2009, previously filed with the 
Commission as an exhibit to Ryder's Current Report on Form 8-K filed with the Commission on February 11, 
2009, is incorporated by reference to this report.

Employment Offer Letter for Frank Mullen dated as of August 25, 2017, between Ryder System, Inc. and 
Frank Mullen, previously filed with the Commission as an exhibit to Ryder’s Current Report on Form 8-K filed 
with the Commission on September 18, 2017, is incorporated by reference in this report. 

Second Amended and Restated Global Revolving Credit Agreement, dated as of September 28, 2018, by and 
among Ryder System, Inc., certain Ryder subsidiaries, and the lenders and agents named therein, previously 
filed with the Commission as an exhibit to Ryder’s Current Report on Form 8-K filed with the Commission on 
October 3, 2018, is incorporated by reference to this report. 

Ryder System, Inc. 2019 Equity and Incentive Compensation Plan, previously filed with the Commission on 
March 18, 2019, as Appendix A to Ryder System, Inc.'s Definitive Proxy Statement on Schedule 14A, is 
incorporated by reference into this report.

Employment Offer Letter for Scott T. Parker, previously filed with the Commission on March 27, 2019, as an 
exhibit to Ryder's Current Report on Form 8-K filed with the Commission on March 27, 2019, is incorporated 
by reference in this report. 

Form of Terms and Conditions Applicable to Deferred Stock Awards for Non-Employee Directors issued under 
the Ryder System, Inc. 2019 Equity and Incentive Compensation Plan, previously filed with the Commission 
on May 9, 2019 as an exhibit to Ryder's Quarterly Report on Form 10-Q, is incorporated by reference in this 
report.

Form of Terms and Conditions Applicable to Non-Qualified Stock Options issued under the Ryder System, Inc. 
2019 Equity and Incentive Compensation Plan, previously filed with the Commission on May 9, 2019 as an 
exhibit to Ryder's Quarterly Report on Form 10-Q, is incorporated by reference in this report.

Form of Terms and Conditions Applicable to Performance-Based Restricted Stock Rights issued under the 
Ryder System, Inc. 2019 Equity and Incentive Compensation Plan, previously filed with the Commission on 
May 9, 2019 as an exhibit to Ryder's Quarterly Report on Form 10-Q, is incorporated by reference in this 
report.

Form of Terms and Conditions Applicable to Restricted Stock Rights issued under the Ryder System, Inc. 2019 
Equity and Incentive Compensation Plan, previously filed with the Commission on May 9, 2019 as an exhibit 
to Ryder's Quarterly Report on Form 10-Q, is incorporated by reference in this report.

Form of Terms and Conditions Applicable to Stock Awards for Non-Employee Directors issued under the 
Ryder System, Inc. 2019 Equity and Incentive Compensation Plan, previously filed with the Commission on 
May 9, 2019 as an exhibit to Ryder's Quarterly Report on Form 10-Q, is incorporated by reference in this 
report. 

Form of Ryder System, Inc. Annual Cash Incentive Award Plan, previously filed with the Commission on May 
9, 2019 as an exhibit to Ryder's Quarterly Report on Form 10-Q, is incorporated by reference in this report.

Ryder System, Inc. Non-Qualified Stock Option Award Granted as an “Employment Inducement Grant” under 
New York Stock Exchange Listing Rule 303A.08, previously filed with the Commission on May 9, 2019 as an 
exhibit to Ryder's Quarterly Report on Form 10-Q, is incorporated by reference in this report.

Ryder System, Inc. Restricted Stock Rights Award Granted as an “Employment Inducement Grant” under New 
York Stock Exchange Listing Rule 303A.08, previously filed with the Commission on May 9, 2019 as an 
exhibit to Ryder's Quarterly Report on Form 10-Q, is incorporated by reference in this report.

Forms of Terms and Conditions Applicable to Non-Qualified Stock Options issued under the Ryder System, 
Inc. 2019 Equity and Incentive Compensation Plan.

Form of Terms and Conditions Applicable to Performance-Based Restricted Stock Rights issued under the 
Ryder System, inc. 2019 Equity and Incentive Compensation Plan.

Form of Terms and Conditions Applicable to Restricted Stock Rights issued under the Ryder System, inc. 2019 
Equity and Incentive Compensation Plan.

List of subsidiaries of the registrant, with the state or other jurisdiction of incorporation or organization of each, 
and the name under which each subsidiary does business.
PricewaterhouseCoopers LLP consent to incorporation by reference in certain Registration Statements on Form 
S-8 and on Form S-3 of their report on Consolidated Financial Statements financial statement schedule and 
effectiveness of internal controls over financial reporting of Ryder System, Inc.

131

  
  
  
  
Exhibit
  Number  
24

31.1
31.2
32

101.INS
101.SCH
101.CAL
101.DEF
101.LAB
101.PRE
104

Description

Manually executed powers of attorney for each of:
Robert J. Eck
Robert A. Hagemann
Michael F. Hilton
Tamara L. Lundgren
Luis P. Nieto

David G. Nord
Abbie J. Smith
E. Follin Smith
Dmitri L. Stockton
Hansel E. Tookes

Certification of Robert E. Sanchez pursuant to Rule 13a-14(a) or Rule 15d-14(a).
Certification of Scott Parker pursuant to Rule 13a-14(a) or Rule 15d-14(a).
Certification of Robert E. Sanchez and Scott Parker pursuant to Rule 13a-14(b) or Rule 15d-14(b) and 
18 U.S.C. Section 1350.
Inline XBRL Instance Document.
Inline XBRL Taxonomy Extension Schema Document.
Inline XBRL Taxonomy Extension Calculation Linkbase Document.
Inline XBRL Taxonomy Extension Definition Linkbase Document.
Inline XBRL Taxonomy Extension Label Linkbase Document.
Inline XBRL Taxonomy Extension Presentation Linkbase Document.
Cover Page Interactive Data File (formatted in Inline XBRL and contained in Exhibit 101).

 * Management contract or compensation plan arrangement pursuant to Item 601(b)(10) of Regulation S-K.

132

  
  
  
  
  
  
  
  
  
  
 
Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused 

this report to be signed on its behalf by the undersigned, thereunto duly authorized. 

SIGNATURES

Date:

February 27, 2020

   RYDER SYSTEM, INC.

   By: /s/ ROBERT E. SANCHEZ
   Robert E. Sanchez
   Chairman, President and Chief Executive Officer

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following 

persons on behalf of the registrant and in the capacities and on the dates indicated.

Date:

February 27, 2020

Date:

February 27, 2020

Date:

February 27, 2020

Date:

February 27, 2020

Date:

February 27, 2020

Date:

February 27, 2020

   By: /s/ ROBERT E. SANCHEZ
   Robert E. Sanchez
   Chairman, President and Chief Executive Officer

(Principal Executive Officer)

   By: /s/ SCOTT T. PARKER

Scott T. Parker

Executive Vice President and Chief Financial Officer

(Principal Financial Officer)

   By: /s/ FRANK MULLEN

Frank Mullen

   Vice President and Controller

(Principal Accounting Officer)

   By: ROBERT J. ECK *

   Robert J. Eck

   Director

   By: ROBERT A. HAGEMANN *
   Robert A. Hagemann
   Director

   By: MICHAEL F. HILTON*
   Michael F. Hilton
   Director

133

 
  
  
  
  
  
Date:

February 27, 2020

   By: TAMARA L. LUNDGREN*

Date:

February 27, 2020

Date:

February 27, 2020

Date:

February 27, 2020

Tamara L. Lundgren

   Director

   By: LUIS P. NIETO, JR. *

Luis P. Nieto, Jr.

   Director

By: DAVID G. NORD *
David G. Nord
Director

   By: ABBIE J. SMITH *
   Abbie J. Smith
   Director

Date:

February 27, 2020

   By: E. FOLLIN SMITH *

Date:

February 27, 2020

Date:

February 27, 2020

E. Follin Smith

   Director

By: DMITRI L. STOCKTON *
Dmitri L. Stockton

Director

   By: HANSEL E. TOOKES, II *
   Hansel E. Tookes, II
   Director

Date:

February 27, 2020

*By: /s/ ALENA BRENNER

   Alena Brenner
   Attorney-in-Fact, pursuant to a power of attorney

134

  
  
  
  
EXHIBIT 4.6

Description of Ryder System, Inc.’s Securities Registered Under Section 12 of the Exchange Act

The following summary of our capital stock is based on and qualified in its entirety by reference to our 

restated articles of incorporation and bylaws. For a complete description of the terms and provisions of our capital 
stock, refer to our restated articles of incorporation and the bylaws, both of which are filed as exhibits to this Annual 
Report on Form 10-K. Reference is also made to the Florida Business Corporation Act, or FBCA. 

General

As of the date of this Annual Report on Form 10-K, we were authorized to issue up to 400,000,000 shares 
of common stock, $0.50 par value per share and 3,800,917 shares of preferred stock, no par value per share. As of 
December 31, 2019, 53,278,316 shares of our common stock were issued and outstanding, and no shares of our 
preferred stock were issued and outstanding. 

The outstanding shares of our common stock are duly authorized, validly issued, fully-paid and non-

assessable. Our common stock is listed on the New York Stock Exchange, under the symbol “R.” 

Common Stock 

Our common stock has the following rights and privileges:

Dividend Rights 

Each share of our common stock is entitled to participate equally with respect to dividends declared on our 

common stock out of funds legally available for the payment thereof. Our restated articles of incorporation do not 
limit the dividends that can be paid on our common stock. 

Liquidation Rights 

After satisfaction of creditors and payments due to the holders of preferred stock, the holders of our 

common stock are entitled to share ratably in the distribution of all remaining assets. 

Voting Rights 

In general, the holders of our common stock are entitled to one vote per share for the election of directors 

and for other corporate purposes. Our restated articles of incorporation and/or bylaws also:

• 

• 

• 

permit shareholders to remove a director with or without cause by the affirmative vote of the majority 
of the votes cast of the outstanding shares of voting stock, voting as a class; 

provide that a vacancy on our board of directors may be filled by a majority of the directors then in 
office?  and

permit shareholders to take action only at an annual meeting, or a special meeting duly called by our 
board of directors or the holders of not less than 10% of the voting power of the outstanding shares of 
voting stock entitled to vote on the matter.

1

Under our bylaws, a quorum is present where a majority of the total number of shares issued and outstanding and 
entitled to vote at a meeting are present in person or represented by proxy. At a meeting where a quorum is present, 
in connection with an uncontested election of directors, the affirmative vote of the holders of at least a majority of 
the total number of shares cast is required for the election of each director. Where the number of nominees 
considered by the shareholders for election as a director exceeds the number of directors to be elected, directors are 
elected by the vote of a plurality of the votes cast. Unless otherwise provided in our restated articles of incorporation 
or bylaws or in accordance with applicable law, the affirmative vote of a majority of the votes cast is required for 
shareholder action on matters other than the election of directors. Voting rights for the election of directors or 
otherwise, if any, for any series of preferred stock, will be established by the board of directors when such series is 
designated. The holders of our common stock do not have cumulative voting rights. 

Board of Directors 

Our bylaws provide that, at each annual meeting of stockholders, all directors shall be elected to hold office 

for a term expiring at the next annual meeting of stockholders following the year of their election. 

No Other Rights 

Holders of our common stock are not entitled to preemptive, redemption, subscription or conversion rights. 

The rights, preferences and privileges of holders of common stock could be subject to, and may be adversely 
affected by, the rights of the holders of shares of any preferred stock, if any, which may be issued in the future. 

Anti-Takeover Effects of our Restated Articles of Incorporation and Bylaws and Florida Law 

Certain provisions of our restated articles of incorporation, our bylaws and Florida law contain provisions 

that could have the effect of delaying, deferring or discouraging another party from acquiring control of us. 

Our restated articles of incorporation provide that the consent of the holders of a majority of each series of 

outstanding preferred stock, if any, shall be required in order to effect a merger or consolidation of the company with 
or into any other corporation or the sale of all or substantially all of the assets of the company in exchange for stock 
or securities of another corporation unless: (i) the surviving corporation will not have, after such transaction, any 
stock either authorized or outstanding that ranks prior to the preferred stock, or to the stock of the surviving 
corporation issued in exchange therefor, in respect of payment of dividends or distribution of assets (except such 
stock of the company as may have been authorized or outstanding immediately prior to the transaction), and (ii) the 
merger or consolidation results in no change in the rights, privileges or preferences of such series of preferred stock 
or the stock of the surviving corporation issued in exchange therefor. While we currently do not have any shares of 
preferred stock outstanding, the issuance of any shares of preferred stock in the future may delay, defer or prevent a 
merger or sale of all or substantially all of the company’s assets. 

Our bylaws contain advance notice procedures for shareholders to make nominations of candidates for 

election as directors or to bring other business before the annual meeting of shareholders. As specified in our 
bylaws, director nominations and the proposal of business to be considered by shareholders may be made only 
pursuant to a notice of meeting, at the direction of the board of directors (or a committee thereof) or by a shareholder 
who is a shareholder of record at the time of giving the notice, who is entitled to vote at the meeting and who has 
complied with the advance notice procedures that are provided in our bylaws. 

To be timely, a nomination of a director by a shareholder or notice for business to be brought before an 

annual meeting by a shareholder must be delivered to the Secretary of the company not less than 90 days nor more 

2

than 120 days prior to the first anniversary of the preceding year’s annual meeting? provided, however, that in the 
event that the date of an annual meeting is advanced by more than 30 days or delayed by more than 60 days from 
such anniversary date, for notice by the shareholder to be timely, it must be delivered not earlier than the opening of 
business on the 120th day prior to such annual meeting and not later than the close of business on the later of (i) the 
90th day prior to such annual meeting and (ii) the 10th day following the day on which public announcement of the 
date of such meeting is first made, whichever first occurs. 

In the event a special meeting of shareholders is called for the purpose of electing one or more directors, 

any shareholder who is a shareholder of record at the time of giving the notice, who is entitled to vote at the meeting 
and who has complied with the advance notice procedures that are provided in our bylaws may nominate a person or 
persons as specified in our bylaws, but only if the shareholder notice is delivered to the Secretary of the company 
not earlier than the 120th day prior to such special meeting and not later than the close of business on the later of (x) 
the 90th day prior to such special meeting and (y) the 10th day following the day on which public disclosure of the 
date of such special meeting and the nominees proposed by the Board of Directors to be elected at such meeting was 
made, whichever first occurs. 

We are also subject to statutory “anti-takeover” provisions under Florida law. Section 607.0901 of the 

FBCA imposes restrictions upon acquirers of 10% or more of our outstanding voting shares and requires approval by 
the corporation’s disinterested directors or a supermajority of disinterested shareholders for certain business 
combinations and corporate transactions with the interested shareholder or any entity or individual controlled by the 
interested shareholder, unless certain statutory exemptions apply. Section 607.0902 of the FBCA eliminates the 
voting rights of common stock acquired by a party who, by such acquisition, controls at least 20% of all voting 
rights of the corporation’s issued and outstanding stock. 

Transfer Agent and Registrar 

The transfer agent and registrar for our common stock is EQ Shareowner Services.

3

[This page intentionally left blank] 

EXHIBIT 10.37

NON-QUALIFIED STOCK OPTIONS 

ISSUED UNDER 

RYDER SYSTEM, INC. 2019 EQUITY AND INCENTIVE COMPENSATION PLAN

20XX TERMS AND CONDITIONS

The following terms and conditions apply to the non-qualified stock option (“Option”) granted by Ryder 
System, Inc. (the “Company”) under the Ryder System, Inc. 2019 Equity and Incentive Compensation Plan (the 
“Plan”) during the 20XX calendar year, as specified in the Stock Option Award Notification (the “Notification”) 
for the Option which references these terms and conditions.  Certain terms of the Option, including the number of 
Shares subject to the Option, the exercise price, the vesting schedule and the expiration date, are set forth in the 
Notification.  The terms and conditions contained herein may be amended by the Compensation Committee of the 
Company’s Board of Directors (the “Committee”) as permitted by the Plan.  Capitalized terms used herein and not 
defined shall have the meaning ascribed to such terms in the Plan or in the Notification. 

1. 

2. 

3. 

4. 

General. The Option represents the right to purchase Shares on the terms and conditions set forth 
herein, in the Notification and the Plan, the applicable terms, conditions and other provisions of 
which are incorporated by reference herein. A copy of the Plan and the documents that constitute 
the “Prospectus” for the Plan under the Securities Act of 1933 have been made available to the 
Participant prior to or along with delivery of the Notification.  In the event there is an express 
conflict between the provisions of the Plan and those set forth in these terms and conditions, the 
terms and conditions of the Plan shall govern. 

Exercisability of Option.  Subject to Sections 4 and 5 below, the Option shall vest and become 
exercisable  pursuant  to  the  vesting  schedule  set  forth  in  the  Notification  and  shall  remain 
exercisable until the expiration date set forth in the Notification, or such other expiration date 
designated by the Committee pursuant to Section 7 of the Plan (the “Expiration Date”). 

Exercise Procedures. The Option, to the extent exercisable, may be exercised by delivering to the 
Company’s stock administrator, notice of intent to exercise in the manner designated by the stock 
administrator on behalf of the Company which may vary based on the Participant’s position with 
the Company.  Payment of the aggregate exercise price and applicable withholding taxes shall be 
made in the manner, consistent with the Plan and these terms and conditions, designated by the 
stock administrator on behalf of the Company.   

Termination of Option; Forfeiture.  Notwithstanding the vesting and expiration dates set forth in 
the Notification, the Option will terminate upon or following the termination of the Participant’s 
employment  with  the  Company  and  its  Subsidiaries  as  described  below.  Except  as  otherwise 
provided in Section 4(d) and 5(a) below, upon the Participant’s termination of employment for 
any reason, the unvested portion of the Option will immediately terminate.   For purposes of these 
terms and conditions, a Participant shall not be deemed to have terminated his or her employment 

  
 
with the Company and its Subsidiaries if he or she is then employed by the Company or another 
Subsidiary without a break in service.

(a) 

Resignation by the Participant or Termination by the Company or a Subsidiary other than 
for Cause: Except as otherwise provided in this Section 4 or Section 5(b) below, the vested 
portion of the Option will terminate at 12:01 a.m. on the 91st day following the Participant’s 
last  day  of  employment  (but  not  later  than  the  Expiration  Date),  provided  that  if  the 
Participant dies during such 90 day period, such portion of the Option will terminate no 
earlier than 12:01 a.m. on the first anniversary of the date of death (but not later than the 
Expiration Date) and provided further that, if, upon such termination, the Participant is 
entitled to severance benefits in the form of salary continuation, then the vested portion 
of the Option will terminate at 12:01 a.m. on the 91st day following the date that salary 
continuation is no longer payable to the Participant (but not later than the Expiration Date).

Notwithstanding  the  foregoing,  if  the  Participant  is  terminated  by  the  Company  or  a 
Subsidiary  without  Cause  and  is  subsequently  re-employed  by  the  Company  or  a 
Subsidiary prior to 12:01 a.m. on the 91st day following the later of (i) the last day of 
employment or (ii) if applicable, the date that salary continuation is no longer payable to 
the Participant, but in either case, not later than the Expiration Date, then the vested, but 
unexercised,  portion  of  the  Options  will  remain  exercisable  until  the  Expiration  Date, 
unless terminated earlier pursuant hereto.   

In the event that the Participant voluntarily terminates his or her employment with the 
Company or a Subsidiary and is subsequently re-employed by the Company or a Subsidiary 
prior to 12:01 a.m. on the 91st day following the Participant’s last day of employment (but 
not later than the Expiration Date), then the vested, but unexercised, portion of the Options 
will remain exercisable until the Expiration Date, unless terminated earlier pursuant hereto.  

(b) 

(c) 

(d) 

(e) 

Retirement:  If a Participant’s employment terminates for any reason (other than for Cause, 
death or Disability) at a time when he or she is eligible for Retirement, then the vested 
portion of the Option will terminate upon the Expiration Date. 

Termination due to Death: If a Participant’s employment terminates on account of the 
Participant’s death, the vested portion of the Option will expire upon the Expiration Date.  
Following the Participant’s death, the right to exercise such vested portion will pass to the 
Participant’s Beneficiary. 

Termination due to Disability:  If a Participant’s employment terminates on account of the 
Participant’s  Disability,  the  unvested  portion  of  the  Option  that  would  otherwise  have 
become  vested  during  the  three  years  following  Disability  will  continue  to  vest  as 
scheduled (without regard to subsequent status changes).  The vested portion of the Option, 
including the portion that becomes vested pursuant to the preceding sentence, will expire 
upon the Expiration Date.

Termination for Cause:  Notwithstanding the foregoing provisions of this Section 4, the 
entire  Option,  including  the  vested  portion,  will  terminate  immediately  upon  the 
Participant’s termination of employment for Cause.  To the extent the Participant exercised 
any portion of the Option during the one year period immediately prior to the date of such 

2

termination of employment for Cause, the Company shall have the right to reclaim and 
receive from the Participant all Shares delivered to the Participant upon such exercise, or 
to the extent the Participant has transferred such Shares, the after-tax equivalent value 
thereof (as of the date the Shares were transferred by the Participant) in cash, and in each 
case  upon  receipt  thereof,  the  Company  shall  return  the  exercise  price  paid  by  the 
Participant.

(f) 

Proscribed Activity:  If, during the Proscribed Period but prior to a Change of Control, the 
Participant engages in a Proscribed Activity, then any portion of the Option still outstanding 
shall terminate and the Company shall have  the right to  reclaim and receive from the 
Participant all Shares delivered to the Participant upon the exercise of the Option during 
the  one  year  period  immediately  prior  to,  or  at  any  time  following,  the  date  of  the 
Participant’s termination of employment, or to the extent the Participant has transferred 
such  Shares,  the  after-tax  equivalent  value  thereof  (as  of  the  date  the  Shares  were 
transferred by the Participant) in cash, and in each case upon receipt thereof, the Company 
shall return the exercise price paid by the Participant.

5. 

Change of Control.  

(a) 

(b) 

(c) 

Treatment of the Option:  In the event of a Change of Control, the Committee may take 
such  actions  with  respect  to  the  Option  as  it  deems  appropriate  pursuant  to  the  Plan; 
provided  that  if  the  Option  continues  in  effect  after  a  Change  of  Control  and  the 
Participant’s employment is terminated by the Company without Cause, the Participant 
terminates employment for Good Reason, or the Participant’s employment is terminated 
on account of death, Disability or Retirement, in each case, upon or within 24 months 
following the Change of Control, any unvested portion of the Option shall become fully 
vested upon such termination of employment.  

Option Termination:  Notwithstanding anything contained herein to the contrary and except 
as otherwise determined by the Committee prior to a Change of Control in accordance 
with Section 7 or 8 of the Plan, in the event of a Change of Control, any portion of the 
Option which is vested as of the Change of Control or becomes vested upon or following 
the  Change  of  Control  (whether  pursuant  to  this  Section  5  or  otherwise)  shall  remain 
outstanding  until  the  Expiration  Date,  but  subject  to  earlier  termination  under  the 
circumstances described in Sections 4(e) and (f) above.  

Termination of Employment Prior to a Change of Control: For purposes of this Section 5, 
the term Option shall refer only to those Options that are outstanding at the time of the 
Change  of  Control  and  not  to  any  unvested  Options  that  have  terminated  pursuant  to 
Section 4 above, provided that, if (i) the Participant’s employment was terminated by the 
Company other than for Cause or Disability during the 12 month period prior to the Change 
of Control, (ii) during such 12 month period, the Participant does not engage in a Proscribed 
Activity, and (iii) the Committee determines, in its sole and absolute discretion, that the 
decision related to such termination was made in contemplation of the Change of Control, 
within 30 days following the Change of Control, with respect to any portion of the Option 
which  the  Participant  forfeited  upon  the  Participant’s  termination  of  employment,  the 
Participant shall receive a lump sum cash payment per Share equal to the excess, if any, 
of the Fair Market Value of a Share on the date that the Change of Control occurs, over 
the  exercise  price  per  Share  subject  to  the  Option.    In  addition,  in  the  event  that  a 

3

Participant’s employment terminates on account of Disability prior to a Change of Control, 
any portion of the Option which is unvested and outstanding as of the Change of Control 
and would otherwise vest during the three years following Disability in accordance with 
Section 4(d) above shall become fully vested upon the Change of Control.  

6. 

U.S. Federal, State and Local Income Withholding.  The Participant is solely responsible for the 
satisfaction of all taxes that may arise in connection with the Option, and the Option may not be 
exercised unless the Participant makes arrangements satisfactory to the Company to ensure that 
its withholding tax obligations will be satisfied.  At the time of taxation, the Company shall have 
the right to deduct from other compensation or from amounts payable with respect to the Option, 
including by withholding Shares otherwise issuable upon the exercise of the Option, an amount 
equal to the federal (including FICA), state and local income and payroll taxes and other amounts 
as may be required by law to be withheld with respect to the Option.  Notwithstanding the foregoing, 
the Company may satisfy any tax obligations it may have in any other jurisdiction outside the U.S. 
in any manner it deems, in its sole and absolute discretion, to be necessary or appropriate.

7. 

Definitions.  

(a) 

“Proscribed Activity” means any of the following: 

(i) 

(ii) 

(iii) 

the Participant’s breach or violation of (A) any written agreement between the 
Participant and the Company or any of its Subsidiaries, including any agreement 
and/or 
relating 
nondisparagement, to the extent such agreements are enforceable under applicable 
law, or (B) any legal obligation it may have to the Company;

noncompetition, 

nonsolicitation 

nondisclosure, 

to 

the Participant’s direct or indirect unauthorized use or disclosure of confidential 
information or trade secrets of the Company or any Subsidiary, including, but not 
limited to, such matters as costs, profits, markets, sales, products, product lines, 
key  personnel,  pricing  policies,  operational  methods,  customers,  customer 
requirements, suppliers, plans for future developments, and other business affairs 
and methods and other information not readily available to the public; 

the Participant’s direct or indirect engaging or becoming a partner, director, officer, 
principal,  employee,  consultant,  investor,  creditor  or  stockholder  in/for  any 
business, proprietorship, association, firm or corporation not owned or controlled 
by the Company or its Subsidiaries which is engaged or proposes to engage in a 
business competitive directly or indirectly with the business conducted by the 
Company or its Subsidiaries in any geographic area where such business of the 
Company  or  its  Subsidiaries  is  conducted,  provided  that  the  Participant’s 
investment in 1% or less of the outstanding capital stock of any corporation whose 
stock is listed on a national securities exchange shall not be treated as a Proscribed 
Activity; 

(iv) 

the Participant’s direct or indirect, either on the Participant’s own account or for 
any person, firm or company, soliciting, interfering with or inducing, or attempting 
to induce, any employee of the Company or any of its Subsidiaries to leave his or 
her employment or to breach his or her employment agreement; 

4

(v) 

(vi) 

(vii) 

the Participant’s direct or indirect taking away, interfering with relations with, 
diverting or attempting to divert from the Company or any Subsidiary any business 
with any customer of the Company or any Subsidiary, including (A) any customer 
that has been solicited or serviced by the Company within one  year prior to the 
date of termination of the Participant’s employment with the Company and (B) 
any customer with which the Participant has had contact or association, or which 
was under the supervision of the Participant, or the identity of which was learned 
by the Participant as a result of the Participant’s employment with the Company; 

following the Participant’s termination of employment, the Participant’s making 
of any remarks disparaging the conduct or character of the Company or any of its 
Subsidiaries,  or  their  current  or  former  agents,  employees,  officers,  directors, 
successors or assigns; or 

the Participant’s failure to cooperate with the Company or any Subsidiary, for no 
additional compensation (other than reimbursement of expenses), in any litigation 
or administrative proceedings involving any matters with which the Participant 
was  involved  during  the  Participant’s  employment  with  the  Company  or  any 
Subsidiary.

Notwithstanding the foregoing, nothing in these terms and conditions restricts or prohibits 
the Participant from initiating communications directly with, responding to any inquiries 
from,  providing  testimony  before,  providing  confidential  information  to,  reporting 
possible  violations of law or  regulation to,  or  from filing a  claim or assisting  with  an 
investigation directly with, a self-regulatory authority or a government agency or entity, 
including the U.S. Equal Employment Opportunity Commission, the Department of Labor, 
the  National  Labor  Relations  Board,  the  Department  of  Justice,  the  Securities  and 
Exchange Commission, Congress, and any agency Inspector General (collectively, the 
“Regulators”), or from making other disclosures that are protected under the whistleblower 
provisions of state or federal law or regulation.  The Participant does not need the prior 
authorization of the Company to engage in such communications with the Regulators, 
respond  to  such  inquiries  from  the  Regulators,  provide  confidential  information  or 
documents to the Regulators, or make any such reports or disclosures to the Regulators.  
The Participant is not required to notify the Company that the Participant has engaged in 
such communications with the Regulators.

If the Participant primarily provides services in California, subsection (iii) above shall not 
apply to the Participant and subsection (v) above shall apply to the Participant only to the 
extent that the Participant uses or discloses confidential information of the Company or 
any if its Subsidiaries in performing such Proscribed Activity and to the extent permitted 
by applicable law.

(b) 

“Proscribed  Period”  means  the  period  beginning  on  the  date  of  termination  of  the 
Participant’s employment and ending on the later of (A) the one year anniversary of such 
termination date or (B) if the Participant is entitled to severance benefits in the form of 
salary  continuation,  the  date  on  which  salary  continuation  is  no  longer  payable  to  the 
Participant.

(c) 

“Retirement” means termination of employment for any reason (other than for Cause or 
by reason of death or Disability) upon or following attainment of age 55 and completion 

5

of 5 years of service, or upon or following attainment of age 65 without regard to years 
of service; provided that, Retirement shall not be deemed to occur unless such termination 
of service constitutes a separation from service, as defined by Section 409A of the Code. 

8. 

9. 

10. 

Company Policies.  The Option and any Shares or cash delivered pursuant to the Option shall be 
subject to all applicable clawback or recoupment policies, share trading policies, share holding 
and other policies that may be implemented by the Company’s Board of Directors from time to 
time.

Other Benefits.  No amount accrued or paid under this Award shall be deemed compensation for 
purposes of computing a Participant’s benefits under any retirement plan of the Company or its 
Subsidiaries, nor affect any benefits under any other benefit plan now or subsequently in effect 
under  which  the  availability  or  amount  of  benefits  is  related  to  the  Participant’s  level  of 
compensation.

Defend Trade Secrets Act Notice.  Participants are hereby notified that the immunity provisions 
in Section 1833 of title 18 of the United States Code provide that an individual cannot be held 
criminally or civilly liable under any federal or state trade secret law for any disclosure of a trade 
secret that is made (i) in confidence to federal, state or local government officials, either directly 
or indirectly, or to an attorney, and is solely for the purpose of reporting or investigating a suspected 
violation of the law, (ii) under seal in a complaint or other document filed in a lawsuit or other 
proceeding, or (iii) to the Participant’s attorney in connection with a lawsuit for retaliation for 
reporting a suspected violation of law (and the trade secret may be used in the court proceedings 
for such lawsuit) as long as any document containing the trade secret is filed under seal and the 
trade secret is not disclosed except pursuant to court order.

6

EXHIBIT 10.38

PERFORMANCE-BASED RESTRICTED STOCK RIGHTS 
ISSUED UNDER
RYDER SYSTEM, INC. 2019 EQUITY AND INCENTIVE COMPENSATION PLAN

20XX TERMS AND CONDITIONS 

The  following  terms  and  conditions  apply  to  the  20XX  performance-based  restricted  stock  rights  (the 
“PBRSRs”) granted by Ryder System, Inc. (the “Company”) under the Ryder System, Inc. 2019 Equity and 
Incentive Compensation Plan (the “Plan”), as specified in the Performance-Based Restricted Stock Right 
Award Notification (the “Notification”) which references these terms and conditions.  Certain terms of the 
PBRSRs, including the number of Shares underlying the PBRSRs, are set forth in Schedule A and in the 
Notification.  The Compensation Committee of the Company’s Board of Directors (the “Committee”) shall 
administer the PBRSRs in accordance with the Plan.  Capitalized terms used herein and not defined shall 
have the meaning ascribed to such terms in the Plan or in Schedule A or the Notification.

1.  General.  Each PBRSR represents the right to receive one Share on a future date based upon 
the attainment of certain financial performance goals and continued employment, on the terms 
and conditions set forth in Schedule A, in the Notification and in the Plan, the applicable terms, 
conditions and other provisions of which are incorporated by reference herein (collectively, the 
“Award Documents”). A copy of the Plan and the documents that constitute the “Prospectus” 
for the Plan under the Securities Act of 1933 have been made available to the Participant prior 
to or along with delivery of the Notification.  In the event there is an express conflict between 
the  provisions  of  the  Plan  and  those  set  forth  in  any  other Award  Document,  the  terms  and 
conditions of the Plan shall govern.   

The terms and conditions contained herein may be amended by the Committee as permitted by 
the Plan; none of the terms and conditions of the PBRSRs may be amended or waived without 
the prior approval of the Committee.  Any amendment or waiver not approved by the Committee 
will be void and have no force or effect.  Any employee or officer of the Company who authorizes 
any such amendment or waiver without the prior approval of the Committee will be subject to 
disciplinary action up to and including forfeiture of his or her PBRSRs and/or termination of 
employment (unless otherwise prohibited by law).  All decisions and determinations made by 
the Committee relating to the PBRSRs shall be final and binding on the Participant, his or her 
beneficiaries and any other person having or claiming an interest under the Plan. 

2.  Financial Performance Goals.  

The financial performance goals (the “Performance Goals”) applicable to the Award are set forth 
in Schedule A.

3.  Delivery of Shares.  Provided that the Participant remained continuously employed through the 
end of the Performance Period (but subject to Sections 4 and 5 below), the number of Shares 
equal  to  the  number  of Accrued  PBRSRs,  net  of  the  number  of  Shares  necessary  to  satisfy 
applicable withholding taxes, will be transferred to an account held in the name of the Participant 
by the Company’s independent stock plan administrator and the Participant will receive notice 
of such transfer together with all relevant account details.  Such transfer will occur in 20XX as 

1

soon as practicable after the Committee has determined the Company’s relative attainment with 
respect to the Performance Goals after the conclusion of the Performance Period, provided that 
in  no  event  shall  the  transfer  be  made  after  March  15,  20XX.   As  used  herein,  the  term 
“Performance Period” shall mean the period from January 1, 20XX through December 31, 20XX.

4.  Termination of the PBRSRs; Forfeiture.  The PBRSRs will be cancelled upon the termination 
of the Participant’s employment with the Company and its Subsidiaries as described below.  

(a) 

(b) 

(c) 

Resignation by the Participant or Termination by the Company or a Subsidiary:  Except 
as provided in subsection (b) or Section 5 below, upon any termination of a Participant’s 
employment with the Company and its Subsidiaries prior to the end of the Performance 
Period, all outstanding PBRSRs will be forfeited and the Participant will not have any 
right to delivery of Shares.  In addition, even if a Participant remains employed through 
the  end  of  the  Performance  Period,  if  the  Participant’s  employment  is  subsequently 
terminated by the Company or a Subsidiary for Cause, the right to any undelivered 
Shares shall be forfeited, and the Company shall have the right to reclaim and receive 
from the Participant any Shares delivered to the Participant pursuant to Section 3 within 
the one year period before the date of the Participant’s termination of employment, or 
to the extent the Participant has transferred such Shares, the equivalent after-tax value 
thereof (as of the date the Shares were transferred by the Participant) in cash.

Termination by reason of Death, Disability or Retirement:  Except as otherwise provided 
in Section 5 below, if a Participant’s employment terminates due to death, Disability or 
Retirement prior to the end of the Performance Period, the Participant (or his or her 
Beneficiary, in the event of death) will be entitled to receive a pro-rata number of Shares 
that would have been delivered pursuant to Section 3, had the Participant remained 
employed through the end of the Performance Period, based on the number of days 
during the Performance Period that the Participant is considered to be an active employee 
as determined by the Company, payable at the time and manner specified in Section 3 
above. 

Proscribed Activity:  If, during the Proscribed Period but prior to a Change of Control, 
the Participant engages in a Proscribed Activity, then the Company shall have the right 
to  reclaim  and  receive  from  the  Participant  all  Shares  delivered  to  the  Participant 
pursuant to Section 3 during the one year period immediately prior to, or at any time 
following, the date of the Participant’s termination of employment, or to the extent the 
Participant has transferred such Shares, the after-tax equivalent value thereof (as of the 
date the Shares were transferred by the Participant) in cash.

5.  Change of Control.  Notwithstanding anything contained herein to the contrary, in the event of 
a  Change  of  Control  during  the  Performance  Period,  unless  otherwise  determined  by  the 
Committee prior to the Change of Control, each Participant shall be entitled to delivery of a 
number of Shares equal to the COC Share Amount (as defined below) (such Shares, the “COC 
Shares”); provided that, except as set forth in subsections (c) and (d) below, the Participant 
remains actively employed through the last day of the Performance Period.  Except as set forth 
in subsections (c) and (d) below, the COC Shares shall be delivered at the time and manner 
specified in Section 3 above.

2

(a) 

(b) 

(c) 

(d) 

(e) 

Calculation of the COC Share Amount.  In the event of a Change of Control during 
the  Performance  Period,  the  Performance  Period  shall  end,  and  the  COC  Share 
Amount shall be determined as of the date of the Change of Control.  The COC 
Share  Amount  shall  be  equal  to  the  greater  of  the  Accrued  PBRSRs  for  the 
Performance Period (measured as though the last day of the Performance Period 
was the date immediately preceding the date of the Change of Control) or one-
hundred percent (100%) of the PBRSR Award.  

Form of Payment.  The Committee may determine that the COC Shares shall be (i) 
converted to and payable in units with respect to shares or other equity interests of 
the acquiring company or its parent or (ii) payable in cash based on the Fair Market 
Value of the COC Shares as of the Change of Control.

Termination without Cause or for Good Reason.  If the Participant’s employment 
is  terminated  by  the  Company  without  Cause  or  the  Participant  terminates 
employment for Good Reason, prior to the end of the Performance Period and upon 
or  within  24  months  following  a  Change  of  Control,  the  COC  Shares  shall  be 
delivered in a lump sum within 60 days following the Participant’s employment 
termination date, subject to Section 9.17 of the Plan; provided that such Change of 
Control constitutes a change “in ownership” or “effective control” or a change in 
the “ownership of a substantial portion of the assets” of the Company under Section 
409A  of  the  Code  and  the  rulings  and  regulations  issued  thereunder  (any  such 
transaction, a “409A Compliant COC”).   In the event that such Change of Control 
does not constitute a 409A Compliant COC (any such transaction, a “Non-409A 
Compliant COC”), the COC Shares will be delivered to the Participant at the time 
and manner specified in Section 3 above.  

Termination due to Death, Disability or Retirement.  If a Participant’s employment 
terminates due to death, Disability or Retirement prior to the end of the Performance 
Period and upon or within 24 months following a Change of Control, the Participant 
(or his or her Beneficiary, in the event of death) will be entitled to receive the COC 
Shares,  which  shall  be  delivered  in  a  lump  sum  within  60  days  following  the 
Participant’s  employment  termination  date,  subject  to  Section  9.17  of  the  Plan; 
provided that, the COC Shares will be delivered to the Participant at the time and 
manner  specified  in  Section  3  above  if  the  Change  of  Control  is  a  Non-409A 
Compliant  COC.  If  such  termination  occurs  more  than  24  months  following  a 
Change  of  Control,  the  COC  Payment Amount  will  be  pro-rated,  based  on  the 
number of days during the Performance Period that the Participant is considered to 
be an active employee, as determined by the Company, and will be paid at the time 
and manner specified in Section 3 above. 

Termination  Prior  to  a  Change  of  Control.    To  the  extent  (i)  a  Participant’s 
employment was terminated by the Company other than for Cause or Disability 
within the 12 months prior to the date on which the Change of Control occurred, 
(ii) during such 12 month period the Participant did not engage in a Proscribed 
Activity, and (iii) the Committee determines, in its sole and absolute discretion, that 
the decision related to such termination was made in contemplation of the Change 
of Control, then upon the Change of Control, the Participant will become entitled 

3

to a cash payment equal to the product of: the Fair Market Value of a Share on the 
date of the Change of Control and the COC  Share Amount.  In the event of a 409A 
Compliant COC, such cash payment will be made in a lump sum within 60 days 
following  the  date  on  which  the  Change  of  Control  occurs.    In  the  event  of  a 
Non-409A Compliant COC, the cash payment will be paid to the Participant at the 
time and manner specified in Section 3 above.   In the event that a Participant’s 
termination of employment by the Company under this Section 5(e) also meets the 
requirements of Retirement, this Section 5(e) shall supersede Section 4(b) above. 

6.  Rights as a Shareholder; Dividend Equivalent Rights. The Participant will not have the rights 
of a shareholder of the Company with respect to Shares subject to the PBRSRs until such Shares 
are actually delivered to the Participant.  At the time Shares are delivered to the Participant 
pursuant to Section 3 or Section 5, as applicable, the Company will make a cash payment equal 
to the product of (i) the number of Accrued PBRSRs or the COC Share Amount, if applicable, 
and (ii) the aggregate dividends paid on a Share during the Performance Period.

7.  U.S.  Federal,  State  and  Local  Income  Taxes.  The  Participant  is  solely  responsible  for  the 
satisfaction of all taxes that may arise in connection with the PBRSRs.  At the time of taxation, 
the Company shall have the right to deduct from other compensation or from amounts payable 
with respect to the PBRSRs, including by withholding Shares otherwise issuable upon settlement 
of the PBRSRs (as determined by the Company in its sole discretion), an amount equal to the 
federal (including FICA), state and local income and payroll taxes and other amounts as may 
be required by law to be withheld with respect to the PBRSRs.  The Company intends to satisfy 
this withholding obligation by reducing the number of Shares and/or cash to be delivered to the 
Participant under this Agreement in an amount sufficient to satisfy the withholding obligations 
due (based on the Fair Market Value of the Shares for the related PBRSRs).  Notwithstanding 
the foregoing, the Company may satisfy any tax obligations it may have in any other jurisdiction 
outside of the U.S. in any manner it deems, in its sole and absolute discretion, to be necessary 
or appropriate.  

8.  Section  409A.    The  PBRSRs  are  intended  to  comply  with  Section  409A  of  the  Code  or  an 
exemption, and delivery of Shares and other payments pursuant to the PBRSRs may only be 
made upon an event and in a manner permitted by Section 409A, to the extent applicable.  The 
PBRSRs shall be administered consistent with Section 9.17 of the Plan.

9.  Statute  of  Limitations  and  Conflicts  of  Laws.    All  rights  of  action  by,  or  on  behalf  of  the 
Company or by any shareholder against any past, present, or future member of the Board of 
Directors, officer, or employee of the Company arising out of or in connection with the PBRSRs 
or the Award Documents, must be brought within three years from the date of the act or omission 
in respect of which such right of action arises. The PBRSRs and the Award Documents shall be 
governed by the laws of the State of Florida, without giving effect to principles of conflict of 
laws, and construed accordingly.

10. No Employment Right.  Neither the grant of the PBRSRs nor any action taken hereunder shall 
be construed as giving any employee or any Participant any right to be retained in the employ 
of the Company. The Company is under no obligation to grant PBRSRs hereunder.  Nothing 
contained in the Award Documents shall limit or affect in any manner or degree the normal and 
usual powers of management, exercised by the officers and the Board of Directors or committees 
thereof, to change the duties or the character of employment of any employee of the Company 

4

or to remove the individual from the employment of the Company at any time, all of which 
rights and powers are expressly reserved. 

11.  No Assignment.  A Participant’s rights and interest under the PBRSRs may not be assigned or 
transferred, except as otherwise provided herein, and any attempted assignment or transfer shall 
be null and void and shall extinguish, in the Company’s sole discretion, the Company’s obligation 
under the PBRSRs or the Award Documents.

12.  Unfunded Plan.  Any Shares or other amounts owed under the PBRSRs shall be unfunded. The 
Company shall not be required to establish any special or separate fund, or to make any other 
segregation of assets, to assure delivery or payment of any earned amounts. 

13.  Company  Policies.    Any  amounts  paid  under  the  PBRSRs  are  considered  “incentive 
compensation”  under  the  Company’s  Recoupment  Policy,  in  effect  from  time  to  time.   The 
PBRSRs and any Shares or cash paid pursuant to the PBRSRs shall be subject to all applicable 
clawback or recoupment policies, share trading policies, share holding and other policies that 
may be implemented by the Company’s Board of Directors from time to time.

14.  Definitions.

(a) 

(b) 

(c) 

“Accrual Percentage” means the percentage of the PBRSRs that accrues at the end 
of the Performance Period pursuant to Section 2 based on the Company’s attainment 
of the Performance Goals or as described in Section 5.

“Accrued PBRSRs” means the Accrual Percentage for the Performance Period times 
one hundred percent (100%) of the PBRSR Award.

“Performance Period” means the period from January 1, 20XX through December 
31, 20XX. 

(d) 

“Proscribed Activity” means any of the following: 

 (i) 

 (ii) 

the Participant’s breach of any written agreement between the Participant 
and  the  Company  or  any  of  its  Subsidiaries,  including  any  agreement 
to  nondisclosure,  noncompetition,  nonsolicitation  and/or 
relating 
nondisparagement,  to  the  extent  such  agreements  are  enforceable  under 
applicable law;

the  Participant’s  direct  or  indirect  unauthorized  use  or  disclosure  of 
confidential information or trade secrets of the Company or any Subsidiary, 
including, but not limited to, such matters as costs, profits, markets, sales, 
products,  product  lines,  key  personnel,  pricing  policies,  operational 
methods,  customers,  customer  requirements,  suppliers,  plans  for  future 
developments, and other business affairs and methods and other information 
not readily available to the public; 

 (iii) 

the Participant’s direct or indirect engaging or becoming a partner, director, 
officer, principal, employee, consultant, investor, creditor or stockholder 
in/for  any  business,  proprietorship,  association,  firm  or  corporation  not 

5

owned or controlled by the Company or its Subsidiaries which is engaged 
or proposes to engage in a business competitive directly or indirectly with 
the  business  conducted  by  the  Company  or  its  Subsidiaries  in  any 
geographic area where such business of the Company or its Subsidiaries is 
conducted, provided that the Participant’s investment in 1% or less of the 
outstanding  capital  stock  of  any  corporation  whose  stock  is  listed  on  a 
national securities exchange shall not be treated as a Proscribed Activity; 

the Participant’s direct or indirect, either on the Participant’s own account 
or for any person, firm or company, soliciting, interfering with or inducing, 
or  attempting  to  induce,  any  employee  of  the  Company  or  any  of  its 
Subsidiaries  to  leave  his  or  her  employment  or  to  breach  his  or  her 
employment agreement; 

the Participant’s direct or indirect taking away, interfering with relations 
with, diverting or attempting to divert from the Company or any Subsidiary 
any  business  with  any  customer  of  the  Company  or  any  Subsidiary, 
including  (A)  any  customer  that  has  been  solicited  or  serviced  by  the 
Company within one year prior to the date of termination of Participant’s 
employment  with  the  Company  and  (B)  any  customer  with  which  the 
Participant  has  had  contact  or  association,  or  which  was  under  the 
supervision  of  Participant,  or  the  identity  of  which  was  learned  by  the 
Participant as a result of Participant’s employment with the Company; 

following the Participant’s termination of employment, the Participant’s 
making of any remarks disparaging the conduct or character of the Company 
or  any  of  its  Subsidiaries,  or  their  current  or  former  agents,  employees, 
officers, directors, successors or assigns; or 

the Participant’s failure to cooperate with the Company or any Subsidiary, 
for no additional compensation (other than reimbursement of expenses), in 
any  litigation  or  administrative  proceedings  involving  any  matters  with 
which the Participant was involved during the Participant’s employment 
with the Company or any Subsidiary.

 (iv) 

 (v) 

 (vi) 

 (vii) 

Notwithstanding the foregoing, nothing in these terms and conditions restricts or
prohibits the Participant from initiating communications directly with, responding 
to  any  inquiries  from,  providing  testimony  before,  providing  confidential 
information to, reporting possible violations of law or regulation to, or from filing 
a claim or assisting with an investigation directly with, a self-regulatory authority 
or a government agency or entity, including the U.S. Equal Employment Opportunity 
Commission, the Department of Labor, the National Labor Relations Board, the 
Department of Justice, the Securities and Exchange Commission, Congress, and 
any agency Inspector General (collectively, the “Regulators”), or from making other 
disclosures that are protected under the whistleblower provisions of state or federal 
law  or  regulation.   The  Participant  does  not  need  the  prior  authorization  of  the 
Company to engage in such communications with the Regulators, respond to such 
inquiries from the Regulators, provide confidential information or documents to the 
Regulators,  or  make  any  such  reports  or  disclosures  to  the  Regulators.    The 

6

Participant is not required to notify the Company that the Participant has engaged 
in such communications with the Regulators.

If the Participant primarily provides services in California, subsection (iii) above 
shall  not  apply  to  the  Participant  and  subsection  (v)  above  shall  apply  to  the 
Participant  only  to  the  extent  that  the  Participant  uses  or  discloses  confidential 
information of the Company or any of its Subsidiaries in performing such Proscribed 
Activity and to the extent permitted by applicable law. 

(e) 

(f) 

“Proscribed  Period”  means  the  period  beginning  on  the  date  of  termination  of 
Participant’s employment and ending on the later of (i) the one year anniversary of 
such termination date or (ii) if the Participant is entitled to severance benefits in the 
form  of  salary  continuation,  the  date  on  which  salary  continuation  is  no  longer 
payable to the Participant.

“Retirement” means termination of employment for any reason (other than for Cause 
or by reason of death or Disability) upon or following attainment of age 55 and 
completion of 5 years of service, or upon or following attainment of age 65 without 
regard to years of service; provided that, Retirement shall not be deemed to occur 
unless such termination of service constitutes a separation from service, as defined 
by Section 409A of the Code.

(g) 

“Performance Period” means the period from January 1, 20XX through December 
31, 20XX.

13.  Other Benefits.  No amount accrued or paid under the PBRSRs shall be deemed compensation 
for purposes of computing a Participant’s benefits under any retirement plan of the Company 
or its Subsidiaries, nor affect any benefits under any other benefit plan now or subsequently in 
effect under which the availability or amount of benefits is related to the Participant’s level of 
compensation.

14.  Defend Trade Secrets Act Notice.  Participants are hereby notified that the immunity provisions 
in Section 1833 of title 18 of the United States Code provide that an individual cannot be held 
criminally or civilly liable under any federal or state trade secret law for any disclosure of a 
trade secret that is made (i) in confidence to federal, state or local government officials, either 
directly or indirectly, or to an attorney, and is solely for the purpose of reporting or investigating 
a suspected violation of the law, (ii) under seal in a complaint or other document filed in a lawsuit 
or other proceeding, or (iii) to the Participant’s attorney in connection with a lawsuit for retaliation 
for  reporting  a  suspected  violation  of  law  (and  the  trade  secret  may  be  used  in  the  court 
proceedings for such lawsuit) as long as any document containing the trade secret is filed under 
seal and the trade secret is not disclosed except pursuant to court order.

7

  
[This page intentionally left blank] 

EXHIBIT 10.39

RESTRICTED STOCK RIGHTS
ISSUED UNDER
RYDER SYSTEM, INC. 2019 EQUITY AND INCENTIVE COMPENSATION PLAN

20XX TERMS AND CONDITIONS

The following terms and conditions apply to the Restricted Stock Rights (the “RSRs”) granted in 20XX by Ryder 
System, Inc. (the “Company”) under the Ryder System, Inc. 2019 Equity and Incentive Compensation Plan (the 
“Plan”), as specified in the Restricted Stock Rights Award Notification (the “Notification”) for the RSRs which 
references these terms and conditions.  Certain terms of the RSRs, including the number of Shares underlying the 
RSRs, are set forth in the Notification.  The Compensation Committee of the Company’s Board of Directors (the 
“Committee”) shall administer the RSRs in accordance with the Plan.  Capitalized terms used herein and not defined 
shall have the meaning ascribed to such terms in the Plan or in the Notification.

1. 

2. 

General.  Each RSR represents the right to receive one Share on a future date, on the terms and 
conditions set forth herein, in the Notification and the Plan, the applicable terms, conditions and 
other  provisions  of  which  are  incorporated  by  reference  herein  (collectively,  the  “Award 
Documents”). A copy of the Plan and the documents that constitute the “Prospectus” for the Plan 
under the Securities Act of 1933 have been made available to the Participant prior to or along with 
delivery of the Notification.  In the event there is an express conflict between the provisions of 
the Plan and those set forth in any other Award Document, the terms and conditions of the Plan 
shall govern.  

The terms and conditions contained herein may be amended by the Committee as permitted by 
the Plan; none of the terms and conditions of the RSRs may be amended or waived without the 
prior approval of the Committee.  Any amendment or waiver not approved by the Committee will 
be void and have no force or effect.  Any employee or officer of the Company who authorizes any 
such  amendment  or  waiver  without  the  prior  approval  of  the  Committee  will  be  subject  to 
disciplinary  action  up  to  and  including  forfeiture  of  his  or  her  RSRs  and/or  termination  of 
employment (unless otherwise prohibited by law).  All decisions and determinations made by the 
Committee relating to the RSRs shall be final and binding on the Participant, his or her beneficiaries 
and any other person having or claiming an interest under the Plan. 

Delivery of Shares.  Subject to Sections 3 and 4 below, the RSRs will vest pursuant to the vesting 
schedule set forth in the Notification, provided the Participant is, on the relevant vesting date, and 
has been from the date of grant of the RSRs to the relevant vesting date, continuously employed 
by  the  Company  or  one  of  its  Subsidiaries.    For  purposes  of  these  terms  and  conditions,  the 
Participant shall not be deemed to have terminated his or her employment with the Company and 
its Subsidiaries if he or she is then employed by the Company or another Subsidiary without a 
break in service.  

Upon vesting, the Shares subject to the vested RSRs will be transferred to an account held in the 
name of the Participant by the Company’s independent stock plan administrator and the Participant 
will receive notice of such transfer together with all relevant account details. 

3. 

Termination of RSRs; Forfeiture.  The RSRs will be cancelled upon or following the termination 
of the Participant’s employment with the Company and its Subsidiaries as described below.  

(a) 

(b) 

(c) 

Resignation by the Participant or Termination by the Company or a Subsidiary:  Except 
as otherwise provided in subsection (b) or Section 4 below, all outstanding RSRs will be 
forfeited and the Participant will not have any right to delivery of Shares that did not vest 
prior to such termination.  If the Participant’s employment is terminated by the Company 
or a Subsidiary for Cause, then the Company shall have the right to reclaim and receive 
from the Participant any Shares delivered to the Participant pursuant to Section 2 within 
the one year period before the date of the Participant’s termination of employment, or to 
the extent the Participant has transferred such Shares, the equivalent after-tax value thereof 
(as of the date the Shares were transferred by the Participant) in cash.

Termination by Reason of Death, Disability or Retirement:  Except as otherwise provided 
in Section 4 below, a prorated portion of the RSRs shall vest, calculated as follows: (A) 
the total number of RSRs awarded, multiplied by a fraction (and rounded down to the 
nearest whole Share), the numerator of which shall be the number of days from the date 
of grant of the RSRs to the date of death, Disability or Retirement, as the case may be, 
and the denominator of which shall be the number of days from the date of grant of the 
RSRs to the last scheduled vesting date for the RSRs set forth in the Notification, less (B) 
the number of RSRs already vested at the time of the Participant’s death, Disability or 
Retirement, as the case may be.  Shares equal to the prorated number of RSRs that so vest 
will be delivered to the Participant (or his or her Beneficiary, in the event of death) within 
60 days following the date of death, Disability or Retirement, as the case may be, subject 
to Section 9.17 of the Plan.

Proscribed Activity:  If, during the Proscribed Period but prior to a Change of Control, the 
Participant engages in a Proscribed Activity, then the Company shall have the right to 
reclaim and receive from the Participant all Shares delivered to the Participant pursuant 
to Section 2 during the one year period immediately prior to, or at any time following, the 
date of the Participant’s termination of employment, or to the extent the Participant has 
transferred such Shares, the after-tax equivalent value thereof (as of the date the Shares 
were transferred by the Participant) in cash.

4. 

Change of Control.   In the event of a Change of Control, the RSRs  shall become payable as 
described in this Section 4, provided that the Committee may take such other actions with respect 
to the RSRs as it deems appropriate pursuant to Section 7 and 8 of the Plan. 

(a) 

(b) 

(c) 

Form of Payment:  The Committee may determine that the unvested RSRs will be (i) 
converted to and payable in units with respect to shares or other equity interests of the 
acquiring company or its parent or (ii) payable in cash based on the Fair Market Value of 
the RSRs as of the date of the Change of Control.

Continued Employment:  If the Participant continues in employment with the Company 
or one of its Subsidiaries through each applicable vesting date following the Change of 
Control, the RSRs will vest pursuant to the vesting schedule set forth in the Notification.

Termination  without  Cause,  for  Good  Reason  or  on Account  of  Death,  Disability  or 
Retirement.  If the Participant’s employment is terminated by the Company without Cause, 
the Participant terminates employment for Good Reason, or the Participant’s employment 
terminates on account of death, Disability or Retirement, in each case, upon or within 24 
months following a Change of Control and prior to the last vesting date set forth in the 
Notification,  any  unvested  RSRs  shall  become  fully  vested  upon  such  termination  of 

2

(d) 

employment  and  shall  be  paid  within  60  days  following  the  date  of  such  termination, 
subject to Section 9.17 of the Plan.

Termination Prior to a Change of Control:  To the extent (i) a Participant’s employment 
was terminated by the Company other than for Cause or Disability within the 12 months 
prior to the date on which the Change of Control occurred, (ii) during such 12 month 
period the Participant did not engage in a Proscribed Activity, and (iii) the Committee 
determines, in its sole and absolute discretion, that the decision related to such termination 
was made in contemplation of the Change of Control, then upon the Change of Control, 
the Participant will become entitled to a cash payment equal to the product of: the Fair 
Market Value of a Share on the date of the Change of Control and the number of Shares 
to which the Participant would otherwise have been entitled if the Participant’s employment 
had continued until the date of the Change of Control and the Participant’s employment 
had been terminated as described in subsection (c) above as of such date.  In the event that 
the Change of Control constitutes a change “in ownership” or “effective control” or a 
change in the “ownership of a substantial portion of the assets” of the Company under 
Section 409A of the Code and the rulings and regulations issued thereunder (any such 
transaction, a “409A Compliant COC”), such cash payment will be made in a lump sum 
within 60 days following the date on which the Change of Control occurs.  In the event 
such Change of Control does not constitute a 409A Compliant COC (any such transaction, 
a “Non-409A Compliant COC”), the cash payment will be distributed to the Participant 
on the first anniversary of the Participant’s separation from service.  

Rights as a Shareholder; Dividend Equivalent Rights. The Participant will not have the rights of 
a shareholder of the Company with respect to Shares subject to the RSRs until such Shares are 
actually delivered to the Participant.  If and when Shares are delivered to the Participant pursuant 
to Section 2, 3 or 4, as applicable, the Company will make a cash payment equal to the product of 
(i) the number of Shares delivered, and (ii) the aggregate dividends paid on a Share during the 
period from the date of grant of the award until the date the Shares are delivered.

U.S.  Federal,  State  and  Local  Income  Taxes.  The  Participant  is  solely  responsible  for  the 
satisfaction of all taxes generally that may arise in connection with the RSRs.  At the time of 
taxation, the Company shall have the right to deduct from other compensation or from amounts 
payable  with  respect  to  the  RSRs,  including  by  withholding  Shares  otherwise  issuable  upon 
settlement of the RSRs an amount equal to the federal (including FICA), state and local income 
and payroll taxes required by law to be withheld with respect to the RSRs.  The Company intends 
to satisfy this withholding obligation by reducing the number of Shares and/or cash that are to be 
delivered to the Participant under this Agreement in an amount sufficient to satisfy the withholding 
obligations  due  (based  on  the  Fair  Market  Value  of  the  Shares  for  the  related  RSRs).  
Notwithstanding the foregoing, the Company may satisfy any tax obligations it may have in any 
jurisdiction outside the U.S. in any manner it deems, in its sole and absolute discretion, to be 
necessary or appropriate.  

Section 409A.  The RSRs are intended to comply with Section 409A of the Code or an exemption, 
and delivery of Shares and other payments pursuant to the RSRs may only be made upon an event 
and  in  a  manner  permitted  by  Section  409A,  to  the  extent  applicable.    The  RSRs  shall  be 
administered consistent with Section 9.17 of the Plan.

Statute of Limitations and Conflicts of Laws.  All rights of action by, or on behalf of the Company 
or by any shareholder against any past, present, or future member of the Board of Directors, officer, 
or employee of the Company arising out of or in connection with the RSRs or the Award Documents, 

3

5. 

6. 

7. 

8. 

  
must be brought within three years from the date of the act or omission in respect of which such 
right of action arises. The RSRs and the Award Documents shall be governed by the laws of the 
State of Florida, without giving effect to principles of conflict of laws, and construed accordingly.

No Employment Right.  Neither the grant of the RSRs nor any action taken hereunder shall be 
construed as giving any employee or any Participant any right to be retained in the employ of the 
Company. The Company is under no obligation to grant RSRs hereunder.  Nothing contained in 
the Award Documents shall limit or affect in any manner or degree the normal and usual powers 
of management, exercised by the officers and the Board of Directors or committees thereof, to 
change the duties or the character of employment of any employee of the Company or to remove 
the individual from the employment of the Company at any time, all of which rights and powers 
are expressly reserved. 

No Assignment.    A  Participant’s  rights  and  interest  under  the  RSRs  may  not  be  assigned  or 
transferred, except as otherwise provided herein, and any attempted assignment or transfer shall 
be null and void and shall extinguish, in the Company’s sole discretion, the Company’s obligation 
under the RSRs or the Award Documents. 

Unfunded  Plan.    Any  shares  or  other  amounts  owed  under  the  RSRs  shall  be  unfunded. The 
Company shall not be required to establish any special or separate fund, or to make any other 
segregation of assets, to assure delivery or payment of any earned amounts.

Company Policies. The RSRs and any cash or Shares delivered pursuant to the RSRs shall be 
subject to all applicable clawback or recoupment policies, share trading policies, share holding 
and other policies that may be implemented by the Company’s Board of Directors from time to 
time.

9. 

10. 

11. 

12. 

13. 

Definitions.  

(a) 

“Proscribed Activity” means any of the following: 

(i) 

(ii) 

(iii) 

the Participant’s breach of any written agreement between the Participant and the 
Company  or  any  of  its  Subsidiaries,  including  any  agreement  relating  to 
nondisclosure, noncompetition, nonsolicitation and/or nondisparagement, to the 
extent such agreements are enforceable under applicable law;

the Participant’s direct or indirect unauthorized use or disclosure of confidential 
information or trade secrets of the Company or any Subsidiary, including, but not 
limited to, such matters as costs, profits, markets, sales, products, product lines, 
key  personnel,  pricing  policies,  operational  methods,  customers,  customer 
requirements, suppliers, plans for future developments, and other business affairs 
and methods and other information not readily available to the public; 

the Participant’s direct or indirect engaging or becoming a partner, director, officer, 
principal,  employee,  consultant,  investor,  creditor  or  stockholder  in/for  any 
business, proprietorship, association, firm or corporation not owned or controlled 
by the Company or its Subsidiaries which is engaged or proposes to engage in a 
business competitive directly or indirectly with the business conducted by the 
Company or its Subsidiaries in any geographic area where such business of the 
Company  or  its  Subsidiaries  is  conducted,  provided  that  the  Participant’s 
investment in 1% or less of the outstanding capital stock of any corporation whose 

4

(iv) 

(v) 

(vi) 

(vii) 

stock is listed on a national securities exchange shall not be treated as a Proscribed 
Activity; 

the Participant’s direct or indirect, either on the Participant’s own account or for 
any person, firm or company, soliciting, interfering with or inducing, or attempting 
to induce, any employee of the Company or any of its Subsidiaries to leave his or 
her employment or to breach his or her employment agreement; 

the Participant’s direct or indirect taking away, interfering with relations with, 
diverting or attempting to divert from the Company or any Subsidiary any business 
with any customer of the Company or any Subsidiary, including (A) any customer 
that has been solicited or serviced by the Company within one year prior to the 
date of termination of Participant’s employment with the Company and (B) any 
customer with which the Participant has had contact or association, or which was 
under the supervision of Participant, or the identity of which was learned by the 
Participant as a result of Participant’s employment with the Company; 

following the Participant’s termination of employment, the Participant’s making 
of any remarks disparaging the conduct or character of the Company or any of its 
Subsidiaries,  or  their  current  or  former  agents,  employees,  officers,  directors, 
successors or assigns; or 

the Participant’s failure to cooperate with the Company or any Subsidiary, for no 
additional compensation (other than reimbursement of expenses), in any litigation 
or administrative proceedings involving any matters with which the Participant 
was  involved  during  the  Participant’s  employment  with  the  Company  or  any 
Subsidiary. 

Notwithstanding the foregoing, nothing in these terms and conditions restricts or prohibits 
the Participant from initiating communications directly with, responding to any inquiries 
from,  providing  testimony  before,  providing  confidential  information  to,  reporting 
possible  violations of law or  regulation to,  or  from filing a  claim or assisting  with  an 
investigation directly with, a self-regulatory authority or a government agency or entity, 
including the U.S. Equal Employment Opportunity Commission, the Department of Labor, 
the  National  Labor  Relations  Board,  the  Department  of  Justice,  the  Securities  and 
Exchange Commission, Congress, and any agency Inspector General (collectively, the 
“Regulators”), or from making other disclosures that are protected under the whistleblower 
provisions of state or federal law or regulation.  The Participant does not need the prior 
authorization of the Company to engage in such communications with the Regulators, 
respond  to  such  inquiries  from  the  Regulators,  provide  confidential  information  or 
documents to the Regulators, or make any such reports or disclosures to the Regulators.  
The Participant is not required to notify the Company that the Participant has engaged in 
such communications with the Regulators.

If the Participant primarily provides services in California, subsection (iii) above shall not 
apply to the Participant and subsection (v) above shall apply to the Participant only to the 
extent that the Participant uses or discloses confidential information of the Company or 
any of its Subsidiaries in performing such Proscribed Activity and to the extent permitted 
by applicable law. 

5

 
(b) 

(c) 

“Proscribed Period” means the period beginning on the date of termination of Participant’s 
employment and ending on the later of (A) the one year anniversary of such termination 
date  or  (B)  if  the  Participant  is  entitled  to  severance  benefits  in  the  form  of  salary 
continuation, the date on which salary continuation is no longer payable to the Participant.

 “Retirement” means termination of employment for any reason (other than for Cause or 
by reason of death or Disability) upon or following attainment of age 55 and completion 
of 5 years of service, or upon or following attainment of age 65 without regard to years 
of service; provided that, Retirement shall not be deemed to occur unless such termination 
of service constitutes a separation from service, as defined by Section 409A of the Code.

Other Benefits.  No amount accrued or paid under the RSRs shall be deemed compensation for 
purposes of computing a Participant’s benefits under any retirement plan of the Company or its 
Subsidiaries, nor affect any benefits under any other benefit plan now or subsequently in effect 
under  which  the  availability  or  amount  of  benefits  is  related  to  the  Participant’s  level  of 
compensation.

Defend Trade Secrets Act Notice.  Participants are hereby notified that the immunity provisions 
in Section 1833 of title 18 of the United States Code provide that an individual cannot be held 
criminally or civilly liable under any federal or state trade secret law for any disclosure of a trade 
secret that is made (i) in confidence to federal, state or local government officials, either directly 
or indirectly, or to an attorney, and is solely for the purpose of reporting or investigating a suspected 
violation of the law, (ii) under seal in a complaint or other document filed in a lawsuit or other 
proceeding, or (iii) to the Participant’s attorney in connection with a lawsuit for retaliation for 
reporting a suspected violation of law (and the trade secret may be used in the court proceedings 
for such lawsuit) as long as any document containing the trade secret is filed under seal and the 
trade secret is not disclosed except pursuant to court order

12. 

13. 

6

EXHIBIT 21.1

The following list sets forth (i) all subsidiaries of Ryder System, Inc. at December 31, 2019, (ii) the state or  
country  of  incorporation  or  organization  of  each  subsidiary,  and  (iii)  the  names  under  which  certain  subsidiaries  do 
business.

Name of Subsidiary

State or Country of
Incorporation or Organization

3241290 Nova Scotia Company

Associated Ryder Capital Services, Inc.

CRTS Logistica Automotiva S.A.

Euroway Vehicle Contracts Limited

Euroway Vehicle Engineering Limited

Euroway Vehicle Management Limited

Euroway Vehicle Rental Limited

Far East Freight, Inc.

Hill Hire Limited

Laromark Intermediate Holding Corporation

Network Vehicle Central, Inc.

Road Master, Limited

RSI Holding B.V.

RSI Purchase Corp.

RTI Argentina S.A.

RTRC Finance LP

RTR Holdings (B.V.I.) Limited

RTR Leasing I, Inc.

RTR Leasing II, Inc.

RTR Next Gen Sales, LLC

Ryder Argentina S.A.

Ryder Ascent Logistics Pte Ltd.

Ryder Asia Pacific Holdings B.V.

Ryder Capital (Barbados) SRL

Ryder Canadian Financing US LLC

Ryder Capital Ireland Holdings II LLC
Ryder Capital Luxembourg Limited, S.A.R.L.

Ryder Capital S. de R.L. de C.V.

Ryder Capital UK Holdings LLP

Ryder CRSA Logistics (HK) Limited

Ryder de Mexico S. de R.L. de C.V.

Ryder Dedicated Logistics, Inc.

Ryder Deutschland GmbH

Ryder Distribution Services Limited

Ryder do Brasil Ltda.
Ryder Energy Distribution Corporation

Ryder Europe B.V.

Ryder Fleet Products, Inc.

Ryder Freight Brokerage, Inc.

Ryder Fuel Services, LLC

Canada

Florida

Brazil

England

England

England

England

Florida

England

Delaware

Florida

Bermuda

Netherlands

Delaware

Argentina

Canada

British Virgin Islands

Delaware

Delaware

Florida

Argentina

Singapore

Netherlands

Barbados

Delaware

Delaware
England

Mexico

England

Hong Kong

Mexico

Delaware

Germany

England

Brazil
Florida

Netherlands

Tennessee

Delaware

Florida

 
Ryder Funding LP

Ryder Funding II LP

Ryder Global Services, LLC

Ryder Holdings Mexico One S. de R.L. de C.V.

Ryder Holdings Mexico Two S. de R.L. de C.V.

Ryder Holdings Mexico Three S. de R.L. de C.V.
Ryder Integrated Logistics, Inc.(1)
Ryder Integrated Logistics of California Contractors, LLC

Ryder Integrated Logistics of Texas, LLC

Ryder International Acquisition Corp.

Ryder International Holdings LLC

Ryder International, Inc.

Ryder International UK Holdings LP

Ryder Last Mile (California) LLC

Ryder Last Mile, Inc.

Ryder Limited
Ryder Logistica Ltda.

Ryder Logistics (Shanghai) Co., Ltd.

Ryder Mauritius Holdings, Ltd.

Ryder Mexican Holding B.V.

Ryder Mexicana, S. de R.L. de C.V.

Ryder Offshore Holdings III LLC

Ryder Pension Fund Limited

Ryder Puerto Rico, Inc.

Ryder Purchasing LLC

Ryder Receivable Funding III, L.L.C.

Ryder Risk Solutions, LLC
Ryder Services Corporation.(2)
Ryder Servicios do Brasil Ltda.

Ryder Soluciones S. de R.L. de C.V.

Ryder Singapore Pte Ltd.

Ryder System Holdings (UK) Limited

Ryder Thailand I, LLC

Ryder Thailand II, LLC

Ryder Truck Rental Holdings Canada Ltd.
Ryder Truck Rental, Inc.(3)
Ryder Truck Rental I LLC

Ryder Truck Rental II LLC

Ryder Truck Rental III LLC

Ryder Truck Rental IV LLC

Ryder Truck Rental I LP

Ryder Truck Rental II LP
Ryder Truck Rental Canada Ltd.(4)
Ryder Truck Rental LT

Ryder Vehicle Sales, LLC

Sistemas Logisticos Sigma S.A.

Delaware

Delaware

Florida

Mexico

Mexico

Mexico

Delaware

Delaware

Texas

Florida

Delaware

Florida

England

Delaware

California

England
Brazil

China

Mauritius

Netherlands

Mexico

Delaware

England

Delaware

Delaware

Delaware

Florida

Florida

Brazil

Mexico

Singapore

England

Florida

Florida

Canada

Florida

Delaware

Delaware

Delaware

Delaware

Delaware

Delaware
Canada

Delaware

Florida

Argentina

Tandem Transport, L.P.

Translados Americano S. de R.L. de C.V.

       ____________________

Georgia

Mexico

(1)  

(2) 

(3) 

Florida:  d/b/a UniRyder
Delaware:  d/b/a Ryder

Ohio and Texas: d/b/a Ryder Claims Services Corporation

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, 
Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, 
Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, 
North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, 
Vermont, Virginia, Washington, West Virginia, Wisconsin and Wyoming: d/b/a Ryder Transportation Services

Maryland and Virginia:  d/b/a Ryder/Jacobs

Michigan:  d/b/a Atlas Trucking, Inc.

Michigan:  d/b/a Ryder Atlas of Western Michigan

Texas:  d/b/a  DSC Truck Services

(4) 

French Name:  Location de Camions Ryder du Canada Ltee.

Canadian Provinces:  d/b/a Ryder Integrated Logistics,

Ryder Dedicated Logistics,
Ryder Canada

 
 
 
 
CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM 

EXHIBIT 23.1 

We hereby consent to the incorporation by reference in the Registration Statements on Form S-8 (No. 333-19515, No. 
333-26653, No. 333-69628, No. 333-108364, No. 333-124828, No. 333-134113, No. 333-153123, No. 333-177285, No. 
333-181396, No. 333-211206, No. 333-212138, No. 333-230765 and No. 333-231208) and on Form S-3 (No. 333-224056, No. 
333-209536, No. 333-186486 and No. 033-58667) of Ryder System, Inc. of our report dated February 27, 2020 relating to the 
financial statements and financial statement schedule and the effectiveness of internal control over financial reporting, which 
appears in this Form 10-K.

/s/ PricewaterhouseCoopers LLP
Miami, Florida 
February 27, 2020 

EXHIBIT 24.1

POWER OF ATTORNEY

KNOW ALL MEN BY THESE PRESENTS, that each of the undersigned, being directors of Ryder System, Inc., a Florida 
corporation, hereby constitutes and appoints Robert D. Fatovic, Alena S. Brenner and Indira Sordo, and each of them, his or her 
true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for the undersigned and in his or 
her name, place and stead, in any and all capacities, to sign the Ryder System, Inc. Form 10-K (Annual Report pursuant to the 
Securities Exchange Act of 1934) for the fiscal year ended December 31, 2019 (the “Form 10-K”), and any and all amendments 
thereto, and to file the same, with all exhibits thereto and other documents in connection therewith, with the Securities and 
Exchange Commission and with the New York Stock Exchange and any other stock exchange on which the Company's 
common stock is listed, granting unto each said attorney-in-fact and agent full power and authority to perform every act 
requisite and necessary to be done in connection with the execution and filing of the Form 10-K and any and all amendments 
thereto, as fully for all intents and purposes as he or she might or could do in person, hereby ratifying all that each said 
attorney-in-fact and agent, or his or her substitute or substitutes, may lawfully do or cause to be done by virtue thereof.

This Power of Attorney may be signed in any number of counterparts, each of which shall constitute an original and all of 

which, taken together, shall constitute one Power of Attorney.

IN WITNESS WHEREOF, each of the undersigned has hereunto set his or her hand effective the 7th day of February, 

2020.

/s/ Robert J. Eck
Robert J. Eck

/s/ Robert A. Hagemann
Robert A Hagemann

/s/ Michael F. Hilton
Michael F. Hilton

/s/ Luis P. Nieto, Jr.
Luis P. Nieto, Jr.

/s/ Tamara L. Lundgren
Tamara L. Lundgren

/s/ Dmitri L. Stockton
Dmitri L. Stockton

/s/ David G. Nord
David G. Nord

/s/ Abbie J. Smith
Abbie J. Smith

/s/ E. Follin Smith
E. Follin Smith

/s/ Hansel E. Tookes II
Hansel E. Tookes, II

I, Robert E. Sanchez, certify that:

EXHIBIT 31.1

CERTIFICATION

1. 

2. 

3. 

4. 

I have reviewed this annual report on Form 10-K of Ryder System, Inc.;

Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material 
fact necessary to make the statements made, in light of the circumstances under which such statements were made, not 
misleading with respect to the period covered by this report;

Based on my knowledge, the financial statements, and other financial information included in this report, fairly 
present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and 
for, the periods presented in this report;

The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and 
procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting 
(as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a) 

b) 

c) 

d) 

designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be 
designed under our supervision, to ensure that material information relating to the registrant, including its 
consolidated subsidiaries, is made known to us by others within those entities, particularly during the period 
in which this report is being prepared;

designed such internal control over financial reporting, or caused such internal control over financial 
reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of 
financial reporting and the preparation of financial statements for external purposes in accordance with 
generally accepted accounting principles;

evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report 
our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period 
covered by this report based on such evaluation; and

disclosed in this report any change in the registrant’s internal control over financial reporting that occurred 
during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual 
report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control 
over financial reporting; and

5. 

The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control 
over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or 
persons performing the equivalent functions):

a) 

b) 

all significant deficiencies and material weaknesses in the design or operation of internal control over 
financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, 
summarize and report financial information; and

any fraud, whether or not material, that involves management or other employees who have a significant role 
in the registrant’s internal control over financial reporting.

Date: February 27, 2020

/s/ Robert E. Sanchez
Robert E. Sanchez
President and Chief Executive Officer

I, Scott T. Parker, certify that:

EXHIBIT 31.2

CERTIFICATION

1. 

2. 

3. 

4. 

I have reviewed this annual report on Form 10-K of Ryder System, Inc.;

Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material 
fact necessary to make the statements made, in light of the circumstances under which such statements were made, not 
misleading with respect to the period covered by this report;

Based on my knowledge, the financial statements, and other financial information included in this report, fairly 
present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and 
for, the periods presented in this report;

The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and 
procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting 
(as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a) 

b) 

c) 

d) 

designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be 
designed under our supervision, to ensure that material information relating to the registrant, including its 
consolidated subsidiaries, is made known to us by others within those entities, particularly during the period 
in which this report is being prepared;

designed such internal control over financial reporting, or caused such internal control over financial 
reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of 
financial reporting and the preparation of financial statements for external purposes in accordance with 
generally accepted accounting principles;

evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report 
our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period 
covered by this report based on such evaluation; and

disclosed in this report any change in the registrant’s internal control over financial reporting that occurred 
during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual 
report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control 
over financial reporting; and

5. 

The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control 
over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or 
persons performing the equivalent functions):

a) 

b) 

all significant deficiencies and material weaknesses in the design or operation of internal control over 
financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, 
summarize and report financial information; and

any fraud, whether or not material, that involves management or other employees who have a significant role 
in the registrant’s internal control over financial reporting.

Date: February 27, 2020

/s/ Scott T. Parker
Scott T. Parker
Executive Vice President and Chief Financial Officer

EXHIBIT 32

CERTIFICATION

In connection with the Annual Report of Ryder System, Inc. (the “Company”) on Form 10-K for the year ended 
December 31, 2019 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), Robert E. 
Sanchez, President and Chief Executive Officer of the Company, and Scott T. Parker, Chief Financial Officer of the Company, 
certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:

1. 

2. 

The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

The information contained in the Report fairly presents, in all material respects, the financial condition and results of 
operations of the Company.

/s/ Robert E. Sanchez
Robert E. Sanchez
President and Chief Executive Officer

February 27, 2020

/s/ Scott T. Parker
Scott T. Parker
Executive Vice President and Chief Financial Officer

February 27, 2020

 
 
BR783549-0320-10K