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

NYSE:UHAL • US0235861004

Current stock price

43.93 USD
-1.62 (-3.56%)
At close:
43.83 USD
-0.1 (-0.23%)
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

  • In the past year UHAL was profitable.
  • In the past year UHAL had a positive cash flow from operations.
  • UHAL had positive earnings in each of the past 5 years.
  • 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

  • Looking at the Return On Assets, with a value of 0.59%, UHAL is in line with its industry, outperforming 45.24% of the companies in the same industry.
  • UHAL has a Return On Equity (1.66%) which is in line with its industry peers.
  • UHAL's Return On Invested Capital of 2.21% is in line compared to the rest of the industry. UHAL outperforms 47.62% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for UHAL is below the industry average of 7.25%.
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

  • UHAL has a Profit Margin of 2.14%. This is comparable to the rest of the industry: UHAL outperforms 54.76% of its industry peers.
  • In the last couple of years the Profit Margin of UHAL has declined.
  • With a decent Operating Margin value of 9.66%, UHAL is doing good in the industry, outperforming 73.81% of the companies in the same industry.
  • In the last couple of years the Operating Margin of UHAL has declined.
  • UHAL's Gross Margin of 36.17% is in line compared to the rest of the industry. UHAL outperforms 50.00% of 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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0

2. UHAL Health Analysis

2.1 Basic Checks

  • UHAL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for UHAL remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for UHAL has been increased compared to 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

  • Based on the Altman-Z score of 1.26, we must say that UHAL is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.26, UHAL is doing worse than 69.05% of the companies in the same industry.
  • UHAL has a Debt/Equity ratio of 1.04. This is a high value indicating a heavy dependency on external 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 1.26
ROIC/WACC0.23
WACC9.7%
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.
  • The Current ratio of UHAL (0.79) is worse than 78.57% of its industry peers.
  • A Quick Ratio of 0.69 indicates that UHAL may have some problems paying its short term obligations.
  • UHAL has a worse Quick ratio (0.69) 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

  • The earnings per share for UHAL have decreased strongly by -77.25% in the last year.
  • The earnings per share for UHAL have been decreasing by -40.34% on average. This is quite bad
  • Looking at the last year, UHAL shows a small growth in Revenue. The Revenue has grown by 5.42% in the last year.
  • The Revenue has been growing slightly by 7.93% on average over the past years.
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

  • 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-53.2%
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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.
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

  • Based on the Price/Earnings ratio of 91.52, the valuation of UHAL can be described as expensive.
  • Compared to the rest of the industry, the Price/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/Earnings ratio is at 25.79. UHAL is valued rather expensively when compared to this.
  • The Price/Forward Earnings ratio is 47.84, which means the current valuation is very expensive for 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 is valuated expensively when we compare the Price/Forward Earnings ratio to 23.80, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 91.52
Fwd PE 47.84
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of UHAL indicates a somewhat cheap valuation: UHAL is cheaper than 69.05% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 9.28
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-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

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

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UHAL Fundamentals: All Metrics, Ratios and Statistics

U-HAUL HOLDING CO

NYSE:UHAL (3/18/2026, 8:04:00 PM)

After market: 43.83 -0.1 (-0.23%)

43.93

-1.62 (-3.56%)

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 Cap8.61B
Revenue(TTM)6.00B
Net Income(TTM)128.62M
Analysts77.78
Price Target75.71 (72.34%)
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 91.52
Fwd PE 47.84
P/S 1.44
P/FCF N/A
P/OCF 5.42
P/B 1.11
P/tB 1.11
EV/EBITDA 9.28
EPS(TTM)0.48
EY1.09%
EPS(NY)0.92
Fwd EY2.09%
FCF(TTM)-8.17
FCFYN/A
OCF(TTM)8.1
OCFY18.45%
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 1.26
F-Score3
WACC9.7%
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.