U-HAUL HOLDING CO (UHAL) Stock Fundamental Analysis
USA - NYSE:UHAL - US0235861004 - Common Stock
56.85 USD
+0.98 (+1.75%)
Taking everything into account, UHAL scores 2 out of 10 in our fundamental rating. UHAL was compared to 42 industry peers in the Ground Transportation industry. UHAL has a medium profitability rating, but doesn't score so well on its financial health evaluation. UHAL is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year UHAL was profitable.
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.
1.2 Ratios
The Return On Assets of UHAL (1.51%) is comparable to the rest of the industry.
The Return On Equity of UHAL (4.10%) is comparable to the rest of the industry.
UHAL has a Return On Invested Capital (2.70%) which is comparable to the rest of the industry.
UHAL had an Average Return On Invested Capital over the past 3 years of 4.65%. This is below the industry average of 7.92%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.51% | ||
| ROE | 4.1% | ||
| ROIC | 2.7% |
ROA(3y)3.39%
ROA(5y)4.17%
ROE(3y)9.27%
ROE(5y)11.9%
ROIC(3y)4.65%
ROIC(5y)5.52%
1.3 Margins
UHAL has a Profit Margin of 5.31%. This is in the better half of the industry: UHAL outperforms 76.19% of its industry peers.
UHAL's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 11.48%, UHAL is in the better half of the industry, outperforming 78.57% of the companies in the same industry.
UHAL's Operating Margin has declined in the last couple of years.
With a Gross Margin value of 36.78%, UHAL perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
UHAL's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.48% | ||
| PM (TTM) | 5.31% | ||
| GM | 36.78% |
OM growth 3Y-23.98%
OM growth 5Y-1.52%
PM growth 3Y-31.47%
PM growth 5Y-10.73%
GM growth 3Y-7.02%
GM growth 5Y-0.86%
2. Health
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.
UHAL has a worse debt/assets ratio than last year.
2.2 Solvency
UHAL has an Altman-Z score of 1.40. This is a bad value and indicates that UHAL is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 1.40, 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 0.95 indicates that UHAL is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.95, UHAL is doing worse than 64.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.95 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.4 |
ROIC/WACC0.31
WACC8.79%
2.3 Liquidity
A Current Ratio of 0.71 indicates that UHAL may have some problems paying its short term obligations.
UHAL has a worse Current ratio (0.71) than 83.33% of its industry peers.
UHAL has a Quick Ratio of 0.71. 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 worse Quick ratio (0.61) than 85.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.71 | ||
| Quick Ratio | 0.61 |
3. Growth
3.1 Past
The earnings per share for UHAL have decreased strongly by -80.93% in the last year.
UHAL shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -40.34% yearly.
Looking at the last year, UHAL shows a small growth in Revenue. The Revenue has grown by 4.91% in the last year.
The Revenue has been growing slightly by 7.93% on average over the past years.
EPS 1Y (TTM)-80.93%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-28.42%
Revenue 1Y (TTM)4.91%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%5.29%
3.2 Future
The Earnings Per Share is expected to grow by 36.73% on average over the next years. This is a very strong growth
UHAL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.49% yearly.
EPS Next Y-64%
EPS Next 2Y-34.27%
EPS Next 3Y36.73%
EPS Next 5YN/A
Revenue Next Year3.05%
Revenue Next 2Y3.37%
Revenue Next 3Y3.49%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 39.76 indicates a quite expensive valuation of UHAL.
Compared to the rest of the industry, the Price/Earnings ratio of UHAL is on the same level as its industry peers.
UHAL's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 27.20.
A Price/Forward Earnings ratio of 77.41 indicates a quite expensive valuation of UHAL.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UHAL indicates a slightly more expensive valuation: UHAL is more expensive than 64.29% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.70. UHAL is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.76 | ||
| Fwd PE | 77.41 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, UHAL is valued a bit cheaper than the industry average as 64.29% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.14 |
4.3 Compensation for Growth
A more expensive valuation may be justified as UHAL's earnings are expected to grow with 36.73% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-34.27%
EPS Next 3Y36.73%
5. Dividend
5.1 Amount
UHAL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:UHAL (9/18/2025, 12:09:19 PM)
56.85
+0.98 (+1.75%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)
Earnings (Next)
Inst Owners42.36%
Inst Owner Change10.47%
Ins Owners6.68%
Ins Owner Change0%
Market Cap11.15B
Analysts45.71
Price Target91.37 (60.72%)
Short Float %11.4%
Short Ratio6.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.18
Dividend Growth(5Y)-34.3%
DP11.24%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-96.28%
Min EPS beat(2)-165.28%
Max EPS beat(2)-27.27%
EPS beat(4)0
Avg EPS beat(4)-65.92%
Min EPS beat(4)-165.28%
Max EPS beat(4)-27.27%
EPS beat(8)1
Avg EPS beat(8)3.61%
EPS beat(12)3
Avg EPS beat(12)72.61%
EPS beat(16)4
Avg EPS beat(16)53.11%
Revenue beat(2)1
Avg Revenue beat(2)4.18%
Min Revenue beat(2)-1%
Max Revenue beat(2)9.35%
Revenue beat(4)2
Avg Revenue beat(4)1.32%
Min Revenue beat(4)-3.6%
Max Revenue beat(4)9.35%
Revenue beat(8)2
Avg Revenue beat(8)-0.22%
Revenue beat(12)2
Avg Revenue beat(12)-2.5%
Revenue beat(16)5
Avg Revenue beat(16)-1.46%
PT rev (1m)-1.02%
PT rev (3m)15.15%
EPS NQ rev (1m)-28.26%
EPS NQ rev (3m)-41.33%
EPS NY rev (1m)-73.77%
EPS NY rev (3m)-83.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.4%
Revenue NY rev (1m)-2.29%
Revenue NY rev (3m)-0.66%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.76 | ||
| Fwd PE | 77.41 | ||
| P/S | 1.89 | ||
| P/FCF | N/A | ||
| P/OCF | 7.25 | ||
| P/B | 1.46 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | 10.14 |
EPS(TTM)1.43
EY2.52%
EPS(NY)0.73
Fwd EY1.29%
FCF(TTM)-9.53
FCFYN/A
OCF(TTM)7.84
OCFY13.8%
SpS30.14
BVpS39.07
TBVpS39.07
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.51% | ||
| ROE | 4.1% | ||
| ROCE | 3.56% | ||
| ROIC | 2.7% | ||
| ROICexc | 2.83% | ||
| ROICexgc | 2.86% | ||
| OM | 11.48% | ||
| PM (TTM) | 5.31% | ||
| GM | 36.78% | ||
| FCFM | N/A |
ROA(3y)3.39%
ROA(5y)4.17%
ROE(3y)9.27%
ROE(5y)11.9%
ROIC(3y)4.65%
ROIC(5y)5.52%
ROICexc(3y)5.17%
ROICexc(5y)6.28%
ROICexgc(3y)5.21%
ROICexgc(5y)6.33%
ROCE(3y)6.13%
ROCE(5y)7.28%
ROICexcg growth 3Y-31.35%
ROICexcg growth 5Y-2.92%
ROICexc growth 3Y-31.38%
ROICexc growth 5Y-2.92%
OM growth 3Y-23.98%
OM growth 5Y-1.52%
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.95 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 4.24 | ||
| Cap/Depr | 330.77% | ||
| Cap/Sales | 57.62% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 90.03% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.71 | ||
| Quick Ratio | 0.61 | ||
| Altman-Z | 1.4 |
F-Score3
WACC8.79%
ROIC/WACC0.31
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)-80.93%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-28.42%
EPS Next Y-64%
EPS Next 2Y-34.27%
EPS Next 3Y36.73%
EPS Next 5YN/A
Revenue 1Y (TTM)4.91%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%5.29%
Revenue Next Year3.05%
Revenue Next 2Y3.37%
Revenue Next 3Y3.49%
Revenue Next 5YN/A
EBIT growth 1Y-24.15%
EBIT growth 3Y-23.59%
EBIT growth 5Y6.3%
EBIT Next Year150.59%
EBIT Next 3Y35.31%
EBIT Next 5YN/A
FCF growth 1Y-42.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-0.39%
OCF growth 3Y-9.25%
OCF growth 5Y6.22%