U-HAUL HOLDING CO (UHAL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UHAL - US0235861004 - Common Stock
57.53 USD
+0.2 (+0.35%)
57.53 USD
0 (0%)
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. While UHAL is still in line with the averages on profitability rating, there are concerns on its financial health. While showing a medium growth rate, UHAL is valued expensive at the moment.
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.
- Each year in the past 5 years UHAL has been profitable.
- Each year in the past 5 years UHAL had a positive operating cash flow.
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 of 3.00%. This is comparable to the rest of the industry: UHAL outperforms 52.38% of its industry peers.
- UHAL's Return On Invested Capital of 2.60% is in line compared to the rest of the industry. UHAL outperforms 50.00% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for UHAL is below the industry average of 6.93%.
| Industry Rank | Sector 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%
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.
- UHAL's Profit Margin has declined in the last couple of years.
- UHAL's Operating Margin of 11.24% is fine compared to the rest of the industry. UHAL outperforms 76.19% of its industry peers.
- UHAL's Operating Margin has declined in the last couple of years.
- UHAL has a Gross Margin of 36.97%. This is comparable 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 Rank | Sector 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%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so UHAL is destroying value.
- UHAL has about the same amout of shares outstanding than it did 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.
2.2 Solvency
- UHAL has an Altman-Z score of 1.39. This is a bad value and indicates that UHAL is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of UHAL (1.39) is worse than 71.43% of its industry peers.
- UHAL has a Debt/Equity ratio of 0.99. This is a neutral value indicating UHAL is somewhat dependend on debt financing.
- UHAL's Debt to Equity ratio of 0.99 is on the low side compared to the rest of the industry. UHAL is outperformed by 64.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.39 |
ROIC/WACC0.27
WACC9.63%
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.
- With a Current ratio value of 0.79, UHAL is not doing good in the industry: 73.81% of the companies in the same industry are doing better.
- A Quick Ratio of 0.69 indicates that UHAL may have some problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 0.69, UHAL is doing worse than 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.79 | ||
| Quick Ratio | 0.69 |
3. Growth
3.1 Past
- The earnings per share for UHAL have decreased strongly by -85.30% 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 5.86% in the past year.
- The Revenue has been growing slightly by 7.93% on average over the past years.
EPS 1Y (TTM)-85.3%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-46.15%
Revenue 1Y (TTM)5.86%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%3.73%
3.2 Future
- UHAL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 36.83% yearly.
- 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-70.6%
EPS Next 2Y-14.62%
EPS Next 3Y36.83%
EPS Next 5YN/A
Revenue Next Year6.53%
Revenue Next 2Y5.36%
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.
- 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
- With a Price/Earnings ratio of 56.96, UHAL can be considered very expensive at the moment.
- Compared to the rest of the industry, the Price/Earnings ratio of UHAL is on the same level as its industry peers.
- When comparing the Price/Earnings ratio of UHAL to the average of the S&P500 Index (27.47), we can say UHAL is valued expensively.
- UHAL is valuated quite expensively with a Price/Forward Earnings ratio of 46.42.
- UHAL's Price/Forward Earnings ratio is in line with the industry average.
- UHAL is valuated expensively when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 56.96 | ||
| Fwd PE | 46.42 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.16 |
4.3 Compensation for Growth
- UHAL's earnings are expected to grow with 36.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-14.62%
EPS Next 3Y36.83%
5. Dividend
5.1 Amount
- No dividends for UHAL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
57.53
+0.2 (+0.35%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)11-05 2025-11-05/amc
Earnings (Next)02-03 2026-02-03
Inst Owners39.31%
Inst Owner Change0%
Ins Owners6.68%
Ins Owner Change0%
Market Cap11.28B
Revenue(TTM)5.97B
Net Income(TTM)232.76M
Analysts77.78
Price Target78.77 (36.92%)
Short Float %13.88%
Short Ratio6.52
Dividend
| Industry Rank | Sector 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)0%
PT rev (3m)-11.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)57.14%
EPS NY rev (1m)0%
EPS NY rev (3m)-18.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.03%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 56.96 | ||
| Fwd PE | 46.42 | ||
| P/S | 1.89 | ||
| P/FCF | N/A | ||
| P/OCF | 6.96 | ||
| P/B | 1.45 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | 10.16 |
EPS(TTM)1.01
EY1.76%
EPS(NY)1.24
Fwd EY2.15%
FCF(TTM)-9.28
FCFYN/A
OCF(TTM)8.26
OCFY14.36%
SpS30.46
BVpS39.62
TBVpS39.62
PEG (NY)N/A
PEG (5Y)N/A
Graham Number30
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.39 |
F-Score4
WACC9.63%
ROIC/WACC0.27
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)-85.3%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-46.15%
EPS Next Y-70.6%
EPS Next 2Y-14.62%
EPS Next 3Y36.83%
EPS Next 5YN/A
Revenue 1Y (TTM)5.86%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%3.73%
Revenue Next Year6.53%
Revenue Next 2Y5.36%
Revenue Next 3Y3.53%
Revenue Next 5YN/A
EBIT growth 1Y-13.44%
EBIT growth 3Y-24.07%
EBIT growth 5Y5.9%
EBIT Next Year131.72%
EBIT Next 3Y35.31%
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 2 / 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 -70.6% in the next year.