U-HAUL HOLDING CO (UHAL) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:UHAL • US0235861004

49.92 USD
-0.43 (-0.85%)
Last: Feb 6, 2026, 08:09 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Overall UHAL gets a fundamental rating of 2 out of 10. We evaluated UHAL against 42 industry peers in the Ground Transportation industry. While UHAL is still in line with the averages on profitability rating, there are concerns on its financial health. UHAL is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • UHAL had positive earnings in the past year.
  • UHAL had a positive operating cash flow in the past year.
  • In the past 5 years UHAL has always been profitable.
  • In the past 5 years UHAL always reported a positive cash flow from operatings.
UHAL Yearly Net Income VS EBIT VS OCF VS FCFUHAL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B

1.2 Ratios

  • UHAL's Return On Assets of 1.09% is in line compared to the rest of the industry. UHAL outperforms 47.62% of its industry peers.
  • UHAL has a Return On Equity (3.00%) which is comparable to the rest of the industry.
  • UHAL has a Return On Invested Capital (2.60%) which is comparable to the rest of the industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for UHAL is below the industry average of 6.91%.
Industry RankSector Rank
ROA 1.09%
ROE 3%
ROIC 2.6%
ROA(3y)3.39%
ROA(5y)4.17%
ROE(3y)9.27%
ROE(5y)11.9%
ROIC(3y)4.63%
ROIC(5y)5.51%
UHAL Yearly ROA, ROE, ROICUHAL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • Looking at the Profit Margin, with a value of 3.90%, UHAL is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
  • In the last couple of years the Profit Margin of UHAL has declined.
  • The Operating Margin of UHAL (11.24%) is better than 76.19% of its industry peers.
  • UHAL's Operating Margin has declined in the last couple of years.
  • UHAL has a Gross Margin (36.97%) which is comparable to the rest of the industry.
  • In the last couple of years the Gross Margin of UHAL has remained more or less at the same level.
Industry RankSector Rank
OM 11.24%
PM (TTM) 3.9%
GM 36.97%
OM growth 3Y-24.46%
OM growth 5Y-1.89%
PM growth 3Y-31.47%
PM growth 5Y-10.73%
GM growth 3Y-7.02%
GM growth 5Y-0.86%
UHAL Yearly Profit, Operating, Gross MarginsUHAL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so UHAL is destroying value.
  • The number of shares outstanding for UHAL remains at a similar level compared to 1 year ago.
  • Compared to 5 years ago, UHAL has more shares outstanding
  • UHAL has a worse debt/assets ratio than last year.
UHAL Yearly Shares OutstandingUHAL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
UHAL Yearly Total Debt VS Total AssetsUHAL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • Based on the Altman-Z score of 1.33, we must say that UHAL is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of 1.33, UHAL is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.99 indicates that UHAL is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.99, UHAL is not doing good in the industry: 64.29% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.99
Debt/FCF N/A
Altman-Z 1.33
ROIC/WACC0.28
WACC9.36%
UHAL Yearly LT Debt VS Equity VS FCFUHAL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B

2.3 Liquidity

  • UHAL has a Current Ratio of 0.79. This is a bad value and indicates that UHAL is not financially healthy enough and could expect problems in meeting its short term obligations.
  • UHAL's Current ratio of 0.79 is on the low side compared to the rest of the industry. UHAL is outperformed by 76.19% of its industry peers.
  • UHAL has a Quick Ratio of 0.79. This is a bad value and indicates that UHAL is not financially healthy enough and could expect problems in meeting its short term obligations.
  • UHAL has a Quick ratio of 0.69. This is amonst the worse of the industry: UHAL underperforms 85.71% of its industry peers.
Industry RankSector Rank
Current Ratio 0.79
Quick Ratio 0.69
UHAL Yearly Current Assets VS Current LiabilitesUHAL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The earnings per share for UHAL have decreased strongly by -77.25% in the last year.
  • Measured over the past years, UHAL shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -40.34% on average per year.
  • The Revenue has been growing slightly by 3.61% in the past year.
  • Measured over the past years, UHAL shows a small growth in Revenue. The Revenue has been growing by 7.93% on average per year.
EPS 1Y (TTM)-77.25%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-176.67%
Revenue 1Y (TTM)3.61%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%1.95%

3.2 Future

  • The Earnings Per Share is expected to grow by 28.06% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, UHAL will show a small growth in Revenue. The Revenue will grow by 3.53% on average per year.
EPS Next Y-53.6%
EPS Next 2Y-24.37%
EPS Next 3Y28.06%
EPS Next 5YN/A
Revenue Next Year6.57%
Revenue Next 2Y5.38%
Revenue Next 3Y3.53%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
UHAL Yearly Revenue VS EstimatesUHAL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B
UHAL Yearly EPS VS EstimatesUHAL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20 40 60

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Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • UHAL is valuated quite expensively with a Price/Earnings ratio of 104.00.
  • Based on the Price/Earnings ratio, UHAL is valued a bit more expensive than the industry average as 61.90% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 27.92, UHAL is valued quite expensively.
  • A Price/Forward Earnings ratio of 51.34 indicates a quite expensive valuation of UHAL.
  • Based on the Price/Forward Earnings ratio, UHAL is valued a bit more expensive than the industry average as 61.90% of the companies are valued more cheaply.
  • UHAL's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.78.
Industry RankSector Rank
PE 104
Fwd PE 51.34
UHAL Price Earnings VS Forward Price EarningsUHAL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150

4.2 Price Multiples

  • 73.81% of the companies in the same industry are more expensive than UHAL, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 9.38
UHAL Per share dataUHAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

  • UHAL's earnings are expected to grow with 28.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-24.37%
EPS Next 3Y28.06%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • UHAL does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

U-HAUL HOLDING CO

NYSE:UHAL (2/6/2026, 8:09:45 PM)

49.92

-0.43 (-0.85%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)02-04
Earnings (Next)05-26
Inst Owners39.31%
Inst Owner Change-6.56%
Ins Owners6.68%
Ins Owner Change0%
Market Cap9.79B
Revenue(TTM)5.83B
Net Income(TTM)232.76M
Analysts77.78
Price Target78.77 (57.79%)
Short Float %15.38%
Short Ratio6.7
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.18
Dividend Growth(5Y)-34.3%
DP15.16%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-28.14%
Min EPS beat(2)-29.01%
Max EPS beat(2)-27.27%
EPS beat(4)0
Avg EPS beat(4)-65.07%
Min EPS beat(4)-165.28%
Max EPS beat(4)-27.27%
EPS beat(8)1
Avg EPS beat(8)1.76%
EPS beat(12)4
Avg EPS beat(12)137.17%
EPS beat(16)4
Avg EPS beat(16)98.59%
Revenue beat(2)0
Avg Revenue beat(2)-1.7%
Min Revenue beat(2)-2.39%
Max Revenue beat(2)-1%
Revenue beat(4)2
Avg Revenue beat(4)1.63%
Min Revenue beat(4)-2.39%
Max Revenue beat(4)9.35%
Revenue beat(8)2
Avg Revenue beat(8)-0.24%
Revenue beat(12)2
Avg Revenue beat(12)-1.64%
Revenue beat(16)4
Avg Revenue beat(16)-1.85%
PT rev (1m)-2.28%
PT rev (3m)-13.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)57.14%
EPS NY rev (1m)57.82%
EPS NY rev (3m)28.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.03%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)3.41%
Valuation
Industry RankSector Rank
PE 104
Fwd PE 51.34
P/S 1.64
P/FCF N/A
P/OCF 6.04
P/B 1.26
P/tB 1.26
EV/EBITDA 9.38
EPS(TTM)0.48
EY0.96%
EPS(NY)0.97
Fwd EY1.95%
FCF(TTM)-9.28
FCFYN/A
OCF(TTM)8.26
OCFY16.55%
SpS30.46
BVpS39.62
TBVpS39.62
PEG (NY)N/A
PEG (5Y)N/A
Graham Number20.68
Profitability
Industry RankSector Rank
ROA 1.09%
ROE 3%
ROCE 3.42%
ROIC 2.6%
ROICexc 2.75%
ROICexgc 2.77%
OM 11.24%
PM (TTM) 3.9%
GM 36.97%
FCFM N/A
ROA(3y)3.39%
ROA(5y)4.17%
ROE(3y)9.27%
ROE(5y)11.9%
ROIC(3y)4.63%
ROIC(5y)5.51%
ROICexc(3y)5.15%
ROICexc(5y)6.27%
ROICexgc(3y)5.19%
ROICexgc(5y)6.32%
ROCE(3y)6.11%
ROCE(5y)7.27%
ROICexgc growth 3Y-31.79%
ROICexgc growth 5Y-3.29%
ROICexc growth 3Y-31.82%
ROICexc growth 5Y-3.29%
OM growth 3Y-24.46%
OM growth 5Y-1.89%
PM growth 3Y-31.47%
PM growth 5Y-10.73%
GM growth 3Y-7.02%
GM growth 5Y-0.86%
F-Score4
Asset Turnover0.28
Health
Industry RankSector Rank
Debt/Equity 0.99
Debt/FCF N/A
Debt/EBITDA 4.38
Cap/Depr 316.47%
Cap/Sales 57.6%
Interest Coverage 250
Cash Conversion 92.16%
Profit Quality N/A
Current Ratio 0.79
Quick Ratio 0.69
Altman-Z 1.33
F-Score4
WACC9.36%
ROIC/WACC0.28
Cap/Depr(3y)364.1%
Cap/Depr(5y)323.19%
Cap/Sales(3y)52.96%
Cap/Sales(5y)45.57%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-77.25%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-176.67%
EPS Next Y-53.6%
EPS Next 2Y-24.37%
EPS Next 3Y28.06%
EPS Next 5YN/A
Revenue 1Y (TTM)3.61%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%1.95%
Revenue Next Year6.57%
Revenue Next 2Y5.38%
Revenue Next 3Y3.53%
Revenue Next 5YN/A
EBIT growth 1Y-13.44%
EBIT growth 3Y-24.07%
EBIT growth 5Y5.9%
EBIT Next Year133.39%
EBIT Next 3Y35.36%
EBIT Next 5YN/A
FCF growth 1Y-15.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y9.56%
OCF growth 3Y-9.25%
OCF growth 5Y6.22%

U-HAUL HOLDING CO / UHAL FAQ

What is the ChartMill fundamental rating of U-HAUL HOLDING CO (UHAL) stock?

ChartMill assigns a fundamental rating of 2 / 10 to UHAL.


What is the valuation status of U-HAUL HOLDING CO (UHAL) stock?

ChartMill assigns a valuation rating of 1 / 10 to U-HAUL HOLDING CO (UHAL). This can be considered as Overvalued.


How profitable is U-HAUL HOLDING CO (UHAL) stock?

U-HAUL HOLDING CO (UHAL) has a profitability rating of 4 / 10.


What is the financial health of U-HAUL HOLDING CO (UHAL) stock?

The financial health rating of U-HAUL HOLDING CO (UHAL) is 0 / 10.


What is the earnings growth outlook for U-HAUL HOLDING CO?

The Earnings per Share (EPS) of U-HAUL HOLDING CO (UHAL) is expected to decline by -53.6% in the next year.