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

NYSE:UHAL • US0235861004

Current stock price

45.87 USD
+0.35 (+0.77%)
At close:
45.87 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.
  • UHAL had a positive operating cash flow in the past year.
  • UHAL had positive earnings in each of the past 5 years.
  • In the past 5 years UHAL always reported a positive cash flow from operatings.
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.
  • With a Return On Equity value of 1.66%, UHAL perfoms like the industry average, outperforming 45.24% of the companies in the same industry.
  • With a Return On Invested Capital value of 2.21%, UHAL perfoms like the industry average, outperforming 47.62% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for UHAL is below the industry average of 7.21%.
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 Operating Margin of 9.66%. This is in the better half of the industry: UHAL outperforms 73.81% of its industry peers.
  • UHAL's Operating Margin has declined in the last couple of years.
  • Looking at the Gross Margin, with a value of 36.17%, UHAL is in line with its industry, outperforming 50.00% of the companies in the same industry.
  • 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.
  • 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.
  • The Altman-Z score of UHAL (1.26) is worse than 69.05% 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 Debt to Equity ratio of 1.04. This is in the lower half of the industry: UHAL underperforms 69.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.04
Debt/FCF N/A
Altman-Z 1.26
ROIC/WACC0.23
WACC9.74%
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.
  • With a Current ratio value of 0.79, UHAL is not doing good in the industry: 78.57% of the companies in the same industry are doing better.
  • 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.
  • Looking at the Quick ratio, with a value of 0.69, UHAL is doing worse than 80.95% of the companies in the same industry.
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
  • Looking at the last year, UHAL shows a small growth in Revenue. The Revenue has grown by 5.42% in the last year.
  • UHAL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.93% yearly.
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.
  • The Revenue is expected to grow by 3.53% on average over the next years.
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.
  • 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

  • Based on the Price/Earnings ratio of 95.56, the valuation of UHAL can be described as expensive.
  • Based on the Price/Earnings ratio, UHAL is valued a bit more expensive than the industry average as 64.29% of the companies are valued more cheaply.
  • UHAL is valuated expensively when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 49.95 indicates a quite expensive valuation of UHAL.
  • Based on the Price/Forward Earnings ratio, UHAL is valued a bit more expensive than 61.90% of the companies in the same industry.
  • UHAL's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 23.84.
Industry RankSector Rank
PE 95.56
Fwd PE 49.95
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 9.27
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

  • 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 (3/13/2026, 8:04:00 PM)

After market: 45.87 0 (0%)

45.87

+0.35 (+0.77%)

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 Cap8.99B
Revenue(TTM)6.00B
Net Income(TTM)128.62M
Analysts77.78
Price Target75.71 (65.05%)
Short Float %15.7%
Short Ratio6.56
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)-2.7%
Revenue NQ rev (3m)-2.7%
Revenue NY rev (1m)-0.71%
Revenue NY rev (3m)-0.68%
Valuation
Industry RankSector Rank
PE 95.56
Fwd PE 49.95
P/S 1.5
P/FCF N/A
P/OCF 5.66
P/B 1.16
P/tB 1.16
EV/EBITDA 9.27
EPS(TTM)0.48
EY1.05%
EPS(NY)0.92
Fwd EY2%
FCF(TTM)-8.17
FCFYN/A
OCF(TTM)8.1
OCFY17.67%
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
WACC9.74%
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.