Ferguson Enterprises (FERG) RSU sell-vs-hold
Calculator · free · no signup · FERGSell at vest or hold? Compare after-tax payout from selling Ferguson Enterprises RSUs at vest vs. holding through the LTCG cliff at 12 months.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your vest
Tax inputs
Hold strategy
Best after-tax payout — at year 1 yr
$47,709
Sell + invest wins by $4,981 over Hold 1 yr.
Estimates only. Not financial advice.
Heads-up: under-withholding. Your employer withholds federal tax at the IRS supplemental rate (22.0% on this vest, ≈ $17,600). Your marginal federal rate on this vest is 32.7%, owing $26,171. Expect to settle the $8,571 gap at tax time.
The hidden purchase
Tax was paid at vest either way. Holding is mathematically equivalent to taking $44,509 in after-tax cash and buying $44,509 of FERG today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in FERG. Holding past one year converts the gain to LTCG.
Sell + invest
Best payout| Vest value (shares × price) | $80,000 |
| Federal | |
| State | |
| Medicare | −$1,160 |
| Additional Medicare | −$720 |
| Market gain over 1 yr at 10.0% | $4,451 |
| Cap-gain tax on diversified gain — LTCG (federal + state + NIIT) | −$1,251 |
| Net at year 1 yr | $47,709 |
Sell every share at vest; invest the after-tax cash at the market return for 1 yr, then liquidate. Diversified — no single-stock concentration risk.
Hold 1 yr
| Vest value (shares × price) | $80,000 |
| Vest tax (federal + state + FICA) | |
| Net at year 1 yr | $42,728 |
Sold 444 shares to cover vest tax (net-settled); kept 556 shares 1 yr to qualify for long-term capital gains.
Social Security + Medicare are payroll taxes (collectively called FICA) — they apply because you're still employed at vest.
Both columns are stated in year-1 yr dollars. The sell side compounds at the market return; the hold side compounds at your single-stock expected return after a 20% volatility drag.
Estimates only. Assumes net-settled (sell-to-cover) vesting; double-trigger and pre-IPO RSUs are out of scope. Excludes multi-state moves, AMT interactions on other equity, and 83(b) elections. Not financial advice.
You evaluated one RSU vest. The beta plans every vest of every grant across years, with concentration and AMT in the loop.
Request beta access →Related calculators: RSU Lot Order Calculator · Stock Concentration Calculator
About Ferguson Enterprises
Ferguson Enterprises (FERG) is a public Industrial company, incorporated in Delaware and headquartered in Newport News, VA.
Last close: $244.47 per share (as of 2026-08-19).
Equity grants at Ferguson Enterprises typically include restricted stock units (RSUs).
Ferguson Enterprises Inc., headquartered in Newport News, Virginia and organized in Delaware, is the largest U.S. distributor of plumbing, heating, ventilation and air conditioning (HVAC), appliances, and lighting to pipes, valves and fittings (PVF), and water and wastewater products. The company receives 95% of its revenue in the United States and 5% of its revenue in Canada. The company has 37,000 suppliers and operates from 11 regional distribution centers, four MDCs, approximately 5,900 fleet vehicles, and 1,746 branches.
Source: Wikipedia (CC BY-SA 4.0)
The company distributes plumbing, heating, and waterworks products to contractors across North America, having moved its primary listing from London to New York in stages through 2024 and 2025. Distribution is a local business won on inventory availability and branch density, since a contractor who cannot get a part today buys elsewhere. Residential repair and remodel activity, not new housing starts, supplies most demand. Scale in purchasing is the durable advantage over regional competitors. Headquarters are in Newport News, Virginia.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Ferguson Enterprises.
Ferguson Enterprises (FERG) RSUs vest as ordinary income at the price on vest day. The decision is whether to sell at vest and reinvest, or hold the shares through the 12-month LTCG cliff. This calculator runs both paths through the same after-tax math so you can compare like-for-like.
Example: 500 Ferguson Enterprises (FERG) RSUs vesting at $244.47 per share is $122,235 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$39,115), the post-tax share value is ~$83,120. Holding 12 months for long-term capital-gains treatment then only matters for the price change between vest and sale; the ordinary income at vest is already locked in. The calculator runs both paths through the same after-tax math.
All Ferguson Enterprises tools → · Use the generic RSU Sell-vs-Hold Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Ferguson Enterprises equity questions
- Should I sell or hold my Ferguson Enterprises RSUs at vest?
- Ferguson Enterprises restricted stock units (RSUs) are taxed as ordinary income on their value at vest whether or not you sell. The only open decision is what to do with the shares afterward: sell at vest and reinvest, or hold past twelve months for long-term capital-gains treatment on any further gain. The calculator above runs both paths through the same after-tax math so you can compare them directly.
- Does Ferguson Enterprises grant ISOs, NSOs, or RSUs?
- Equity compensation at Ferguson Enterprises typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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