U-HAUL HOLDING CO (UHAL) Fundamental Analysis & Valuation

NYSE:UHAL • US0235861004

Current stock price

44.54 USD
-0.12 (-0.27%)
At close:
44.54 USD
0 (0%)
After Hours:

This UHAL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. UHAL Profitability Analysis

1.1 Basic Checks

  • UHAL had positive earnings in the past year.
  • In the past year UHAL had a positive cash flow from operations.
  • In the past 5 years UHAL has always been profitable.
  • UHAL had a positive operating cash flow in each of the past 5 years.
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 has a Return On Assets (0.59%) which is comparable to the rest of the industry.
  • The Return On Equity of UHAL (1.66%) is comparable to the rest of the industry.
  • UHAL has a Return On Invested Capital (2.21%) which is comparable to the rest of the industry.
  • UHAL had an Average Return On Invested Capital over the past 3 years of 4.63%. This is below the industry average of 7.14%.
Industry RankSector Rank
ROA 0.59%
ROE 1.66%
ROIC 2.21%
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

  • The Profit Margin of UHAL (2.14%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of UHAL has declined.
  • UHAL has a better Operating Margin (9.66%) than 73.81% of its industry peers.
  • UHAL's Operating Margin has declined in the last couple of years.
  • UHAL has a Gross Margin (36.17%) which is in line with its industry peers.
  • UHAL's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 9.66%
PM (TTM) 2.14%
GM 36.17%
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. UHAL Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UHAL is destroying value.
  • UHAL has about the same amout of shares outstanding than it did 1 year ago.
  • UHAL has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, UHAL has a worse debt to assets ratio.
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

  • UHAL has an Altman-Z score of 1.25. This is a bad value and indicates that UHAL is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.25, UHAL is doing worse than 66.67% of the companies in the same industry.
  • A Debt/Equity ratio of 1.04 is on the high side and indicates that UHAL has dependencies on debt financing.
  • The Debt to Equity ratio of UHAL (1.04) is worse than 69.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.04
Debt/FCF N/A
Altman-Z 1.25
ROIC/WACC0.23
WACC9.74%
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

  • A Current Ratio of 0.79 indicates that UHAL may have some problems paying 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 78.57% of its industry peers.
  • A Quick Ratio of 0.69 indicates that UHAL may have some problems paying its short term obligations.
  • The Quick ratio of UHAL (0.69) is worse than 80.95% 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. UHAL Growth Analysis

3.1 Past

  • UHAL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -77.25%.
  • The earnings per share for UHAL have been decreasing by -40.34% on average. This is quite bad
  • UHAL shows a small growth in Revenue. In the last year, the Revenue has grown by 5.42%.
  • 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)5.42%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%1.95%

3.2 Future

  • UHAL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.06% yearly.
  • UHAL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.53% yearly.
EPS Next Y-53.2%
EPS Next 2Y-26.5%
EPS Next 3Y28.06%
EPS Next 5YN/A
Revenue Next Year5.81%
Revenue Next 2Y5.11%
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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1

4. UHAL Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 92.79, which means the current valuation is very expensive for UHAL.
  • Based on the Price/Earnings ratio, UHAL is valued a bit more expensive than 64.29% of the companies in the same industry.
  • UHAL is valuated expensively when we compare the Price/Earnings ratio to 25.50, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 48.50 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.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.67, UHAL is valued quite expensively.
Industry RankSector Rank
PE 92.79
Fwd PE 48.5
UHAL Price Earnings VS Forward Price EarningsUHAL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, UHAL is valued a bit cheaper than 71.43% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 9.17
UHAL Per share dataUHAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

  • A more expensive valuation may be justified as UHAL's earnings are expected to grow with 28.06% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-26.5%
EPS Next 3Y28.06%

More info and screens

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

0

5. UHAL Dividend Analysis

5.1 Amount

  • No dividends for UHAL!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

UHAL Fundamentals: All Metrics, Ratios and Statistics

U-HAUL HOLDING CO

NYSE:UHAL (3/24/2026, 8:05:17 PM)

After market: 44.54 0 (0%)

44.54

-0.12 (-0.27%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)02-04
Earnings (Next)05-26
Inst Owners38.96%
Inst Owner Change-0.48%
Ins Owners6.68%
Ins Owner Change0%
Market Cap8.73B
Revenue(TTM)6.00B
Net Income(TTM)128.62M
Analysts77.78
Price Target75.71 (69.98%)
Short Float %17.58%
Short Ratio7.01
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.18
Dividend Growth(5Y)-34.3%
DP27.44%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-340.32%
Min EPS beat(2)-651.63%
Max EPS beat(2)-29.01%
EPS beat(4)0
Avg EPS beat(4)-218.3%
Min EPS beat(4)-651.63%
Max EPS beat(4)-27.27%
EPS beat(8)0
Avg EPS beat(8)-139.3%
EPS beat(12)3
Avg EPS beat(12)33.95%
EPS beat(16)4
Avg EPS beat(16)58.27%
Revenue beat(2)0
Avg Revenue beat(2)-2.91%
Min Revenue beat(2)-3.44%
Max Revenue beat(2)-2.39%
Revenue beat(4)1
Avg Revenue beat(4)0.63%
Min Revenue beat(4)-3.44%
Max Revenue beat(4)9.35%
Revenue beat(8)2
Avg Revenue beat(8)-0.39%
Revenue beat(12)2
Avg Revenue beat(12)-1.17%
Revenue beat(16)3
Avg Revenue beat(16)-2.28%
PT rev (1m)-3.88%
PT rev (3m)-6.08%
EPS NQ rev (1m)-2.31%
EPS NQ rev (3m)-2.31%
EPS NY rev (1m)0.86%
EPS NY rev (3m)59.18%
Revenue NQ rev (1m)-3.07%
Revenue NQ rev (3m)-2.7%
Revenue NY rev (1m)-0.71%
Revenue NY rev (3m)-0.68%
Valuation
Industry RankSector Rank
PE 92.79
Fwd PE 48.5
P/S 1.46
P/FCF N/A
P/OCF 5.5
P/B 1.13
P/tB 1.13
EV/EBITDA 9.17
EPS(TTM)0.48
EY1.08%
EPS(NY)0.92
Fwd EY2.06%
FCF(TTM)-8.17
FCFYN/A
OCF(TTM)8.1
OCFY18.2%
SpS30.6
BVpS39.49
TBVpS39.49
PEG (NY)N/A
PEG (5Y)N/A
Graham Number20.65
Profitability
Industry RankSector Rank
ROA 0.59%
ROE 1.66%
ROCE 2.92%
ROIC 2.21%
ROICexc 2.33%
ROICexgc 2.36%
OM 9.66%
PM (TTM) 2.14%
GM 36.17%
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-Score3
Asset Turnover0.28
Health
Industry RankSector Rank
Debt/Equity 1.04
Debt/FCF N/A
Debt/EBITDA 4.67
Cap/Depr 280.89%
Cap/Sales 53.2%
Interest Coverage 250
Cash Conversion 92.61%
Profit Quality N/A
Current Ratio 0.79
Quick Ratio 0.69
Altman-Z 1.25
F-Score3
WACC9.74%
ROIC/WACC0.23
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-53.2%
EPS Next 2Y-26.5%
EPS Next 3Y28.06%
EPS Next 5YN/A
Revenue 1Y (TTM)5.42%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%1.95%
Revenue Next Year5.81%
Revenue Next 2Y5.11%
Revenue Next 3Y3.53%
Revenue Next 5YN/A
EBIT growth 1Y-20.5%
EBIT growth 3Y-24.07%
EBIT growth 5Y5.9%
EBIT Next Year127.74%
EBIT Next 3Y35.36%
EBIT Next 5YN/A
FCF growth 1Y-0.5%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y9.3%
OCF growth 3Y-9.25%
OCF growth 5Y6.22%

U-HAUL HOLDING CO / UHAL Fundamental Analysis 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 -53.2% in the next year.