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

NYSE:UHAL • US0235861004

Current stock price

52.07 USD
-0.53 (-1.01%)
Last:

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.
  • UHAL had a positive operating cash flow in the past year.
  • 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

  • The Return On Assets of UHAL (0.59%) is comparable to the rest of the industry.
  • UHAL has a Return On Equity of 1.66%. This is comparable to the rest of the industry: UHAL outperforms 45.24% of its industry peers.
  • UHAL has a Return On Invested Capital (2.21%) which is in line with its industry peers.
  • The Average Return On Invested Capital over the past 3 years for UHAL is below the industry average of 7.17%.
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

  • Looking at the Profit Margin, with a value of 2.14%, UHAL is in line with its industry, outperforming 57.14% of the companies in the same industry.
  • UHAL's Profit Margin has declined in the last couple of years.
  • 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 of 36.17%. This is comparable to the rest of the industry: UHAL outperforms 52.38% 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

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so UHAL is destroying value.
  • Compared to 1 year ago, UHAL has about the same amount of shares outstanding.
  • 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

  • Based on the Altman-Z score of 1.32, we must say that UHAL is in the distress zone and has some risk of bankruptcy.
  • UHAL's Altman-Z score of 1.32 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 Debt/Equity ratio of 1.04. This is a high value indicating a heavy dependency on external financing.
  • UHAL has a worse Debt to Equity ratio (1.04) than 69.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.04
Debt/FCF N/A
Altman-Z 1.32
ROIC/WACC0.22
WACC9.84%
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.
  • The Current ratio of UHAL (0.79) is worse than 78.57% 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 worse Quick ratio (0.69) than 83.33% 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%.
  • 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.
  • 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

  • Based on estimates for the next years, UHAL will show a very strong growth in Earnings Per Share. The EPS will grow by 28.06% on average per year.
  • 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 108.48, the valuation of UHAL can be described as expensive.
  • UHAL's Price/Earnings ratio is a bit more expensive when compared to the industry. UHAL is more expensive than 64.29% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of UHAL to the average of the S&P500 Index (26.91), we can say UHAL is valued expensively.
  • Based on the Price/Forward Earnings ratio of 56.70, the valuation of UHAL can be described as expensive.
  • UHAL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. UHAL is more expensive than 64.29% of the companies in the same industry.
  • UHAL is valuated expensively when we compare the Price/Forward Earnings ratio to 21.99, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 108.48
Fwd PE 56.7
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

  • Based on the Enterprise Value to EBITDA ratio, UHAL is valued a bit cheaper than the industry average as 71.43% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 10.08
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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UHAL Fundamentals: All Metrics, Ratios and Statistics

U-HAUL HOLDING CO

NYSE:UHAL (4/29/2026, 10:11:25 AM)

52.07

-0.53 (-1.01%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Industry Strength87.58
Industry Growth10.56
Earnings (Last)02-04
Earnings (Next)05-26
Inst Owners39.07%
Inst Owner Change-1.57%
Ins Owners6.68%
Ins Owner Change0%
Market Cap10.21B
Revenue(TTM)6.00B
Net Income(TTM)128.62M
Analysts77.78
Price Target75.71 (45.4%)
Short Float %18.83%
Short Ratio6.35
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)0%
PT rev (3m)-3.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.31%
EPS NY rev (1m)0%
EPS NY rev (3m)0.86%
Revenue NQ rev (1m)-0.54%
Revenue NQ rev (3m)-3.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.71%
Valuation
Industry RankSector Rank
PE 108.48
Fwd PE 56.7
P/S 1.7
P/FCF N/A
P/OCF 6.42
P/B 1.32
P/tB 1.32
EV/EBITDA 10.08
EPS(TTM)0.48
EY0.92%
EPS(NY)0.92
Fwd EY1.76%
FCF(TTM)-8.17
FCFYN/A
OCF(TTM)8.1
OCFY15.56%
SpS30.6
BVpS39.49
TBVpS39.49
PEG (NY)N/A
PEG (5Y)N/A
Graham Number20.6525 (-60.34%)
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 1.32
F-Score3
WACC9.84%
ROIC/WACC0.22
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.


Can you provide the profitability details for U-HAUL HOLDING CO?

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


Can you provide the expected EPS growth for UHAL stock?

The Earnings per Share (EPS) of U-HAUL HOLDING CO (UHAL) is expected to decline by -53.2% in the next year.


Is the dividend of U-HAUL HOLDING CO sustainable?

The dividend rating of U-HAUL HOLDING CO (UHAL) is 0 / 10 and the dividend payout ratio is 27.44%.