U-HAUL HOLDING CO (UHAL) Stock Fundamental Analysis
NYSE:UHAL • US0235861004
51.77 USD
+0.25 (+0.49%)
At close: Feb 20, 2026
51.77 USD
0 (0%)
After Hours: 2/20/2026, 7:08:40 PM
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. 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.
- In the past year UHAL had a positive cash flow from operations.
- In the past 5 years UHAL has always been profitable.
- Each year in the past 5 years UHAL had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.09%, UHAL is in line with its industry, outperforming 42.86% of the companies in the same industry.
- UHAL has a Return On Equity (3.00%) which is in line with its industry peers.
- UHAL's Return On Invested Capital of 2.60% 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 7.38%.
| 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 61.90% 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 (11.24%) than 76.19% of its industry peers.
- UHAL's Operating Margin has declined in the last couple of years.
- UHAL has a Gross Margin (36.97%) which is comparable to the rest of the industry.
- 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
- UHAL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- UHAL has about the same amout of shares outstanding than it did 1 year ago.
- Compared to 5 years ago, UHAL has more shares outstanding
- Compared to 1 year ago, UHAL has a worse debt to assets ratio.
2.2 Solvency
- UHAL has an Altman-Z score of 1.34. This is a bad value and indicates that UHAL is not financially healthy and even has some risk of bankruptcy.
- UHAL has a Altman-Z score of 1.34. This is in the lower half of the industry: UHAL underperforms 69.05% of its industry peers.
- A Debt/Equity ratio of 0.99 indicates that UHAL is somewhat dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.99, UHAL is doing worse than 69.05% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.34 |
ROIC/WACC0.26
WACC9.93%
2.3 Liquidity
- A Current Ratio of 0.79 indicates that UHAL may have some problems paying its short term obligations.
- UHAL has a worse Current ratio (0.79) 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.
- With a Quick ratio value of 0.69, UHAL is not doing good in the industry: 85.71% of the companies in the same industry are doing better.
| 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 -77.25% 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 3.61% in the last year.
- Measured over the past years, UHAL shows a small growth in Revenue. The Revenue has been growing by 7.93% on average per year.
EPS 1Y (TTM)-77.25%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-176.67%
Revenue 1Y (TTM)3.61%
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-53.6%
EPS Next 2Y-24.37%
EPS Next 3Y28.06%
EPS Next 5YN/A
Revenue Next Year6.57%
Revenue Next 2Y5.38%
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 107.85 indicates a quite expensive valuation of UHAL.
- Compared to the rest of the industry, the Price/Earnings ratio of UHAL indicates a slightly more expensive valuation: UHAL is more expensive than 61.90% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of UHAL to the average of the S&P500 Index (26.99), we can say UHAL is valued expensively.
- Based on the Price/Forward Earnings ratio of 53.24, the valuation of UHAL can be described as expensive.
- 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.
- The average S&P500 Price/Forward Earnings ratio is at 28.06. UHAL is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 107.85 | ||
| Fwd PE | 53.24 |
4.2 Price Multiples
- 69.05% 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 | 9.51 |
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-24.37%
EPS Next 3Y28.06%
5. Dividend
5.1 Amount
- UHAL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
51.77
+0.25 (+0.49%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)02-04 2026-02-04/amc
Earnings (Next)05-26 2026-05-26
Inst Owners39.31%
Inst Owner Change1.9%
Ins Owners6.68%
Ins Owner Change0%
Market Cap10.15B
Revenue(TTM)5.83B
Net Income(TTM)232.76M
Analysts77.78
Price Target78.77 (52.15%)
Short Float %15.28%
Short Ratio6.35
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)-2.28%
PT rev (3m)-13.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-800.9%
EPS NY rev (1m)57.82%
EPS NY rev (3m)44.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.89%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 107.85 | ||
| Fwd PE | 53.24 | ||
| P/S | 1.7 | ||
| P/FCF | N/A | ||
| P/OCF | 6.27 | ||
| P/B | 1.31 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | 9.51 |
EPS(TTM)0.48
EY0.93%
EPS(NY)0.97
Fwd EY1.88%
FCF(TTM)-9.28
FCFYN/A
OCF(TTM)8.26
OCFY15.96%
SpS30.46
BVpS39.62
TBVpS39.62
PEG (NY)N/A
PEG (5Y)N/A
Graham Number20.68
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 | 1.34 |
F-Score4
WACC9.93%
ROIC/WACC0.26
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-53.6%
EPS Next 2Y-24.37%
EPS Next 3Y28.06%
EPS Next 5YN/A
Revenue 1Y (TTM)3.61%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%1.95%
Revenue Next Year6.57%
Revenue Next 2Y5.38%
Revenue Next 3Y3.53%
Revenue Next 5YN/A
EBIT growth 1Y-13.44%
EBIT growth 3Y-24.07%
EBIT growth 5Y5.9%
EBIT Next Year133.39%
EBIT Next 3Y35.36%
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 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 -53.6% in the next year.