U-HAUL HOLDING CO (UHAL) Stock Fundamental Analysis
USA - NYSE:UHAL - US0235861004 - Common Stock
53.7 USD
+0.12 (+0.22%)
Overall UHAL gets a fundamental rating of 2 out of 10. We evaluated UHAL against 43 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
The Return On Assets of UHAL (1.51%) is comparable to the rest of the industry.
The Return On Equity of UHAL (4.10%) is comparable to the rest of the industry.
With a Return On Invested Capital value of 2.70%, UHAL perfoms like the industry average, outperforming 51.16% of the companies in the same industry.
UHAL had an Average Return On Invested Capital over the past 3 years of 4.65%. This is below the industry average of 7.70%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.51% | ||
| ROE | 4.1% | ||
| ROIC | 2.7% |
ROA(3y)3.39%
ROA(5y)4.17%
ROE(3y)9.27%
ROE(5y)11.9%
ROIC(3y)4.65%
ROIC(5y)5.52%
1.3 Margins
UHAL has a better Profit Margin (5.31%) than 76.74% of its industry peers.
UHAL's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 11.48%, UHAL is in the better half of the industry, outperforming 76.74% of the companies in the same industry.
UHAL's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 36.78%, UHAL is in line with its industry, outperforming 51.16% of the companies in the same industry.
UHAL's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.48% | ||
| PM (TTM) | 5.31% | ||
| GM | 36.78% |
OM growth 3Y-23.98%
OM growth 5Y-1.52%
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.
UHAL has more shares outstanding than it did 5 years ago.
The debt/assets ratio for UHAL is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.38, we must say that UHAL is in the distress zone and has some risk of bankruptcy.
UHAL has a worse Altman-Z score (1.38) than 67.44% of its industry peers.
A Debt/Equity ratio of 0.95 indicates that UHAL is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.95, UHAL is doing worse than 62.79% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.95 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.38 |
ROIC/WACC0.31
WACC8.75%
2.3 Liquidity
A Current Ratio of 0.71 indicates that UHAL may have some problems paying its short term obligations.
UHAL has a worse Current ratio (0.71) than 86.05% of its industry peers.
A Quick Ratio of 0.61 indicates that UHAL may have some problems paying its short term obligations.
UHAL has a Quick ratio of 0.61. This is amonst the worse of the industry: UHAL underperforms 86.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.71 | ||
| Quick Ratio | 0.61 |
3. Growth
3.1 Past
The earnings per share for UHAL have decreased strongly by -80.93% 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.
UHAL shows a small growth in Revenue. In the last year, the Revenue has grown by 4.91%.
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)-80.93%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-28.42%
Revenue 1Y (TTM)4.91%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%5.29%
3.2 Future
The Earnings Per Share is expected to grow by 36.73% on average over the next years. This is a very strong growth
UHAL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.49% yearly.
EPS Next Y-64%
EPS Next 2Y-34.27%
EPS Next 3Y36.73%
EPS Next 5YN/A
Revenue Next Year3.05%
Revenue Next 2Y3.37%
Revenue Next 3Y3.49%
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.
4. Valuation
4.1 Price/Earnings Ratio
UHAL is valuated quite expensively with a Price/Earnings ratio of 37.55.
The rest of the industry has a similar Price/Earnings ratio as UHAL.
When comparing the Price/Earnings ratio of UHAL to the average of the S&P500 Index (26.03), we can say UHAL is valued slightly more expensively.
With a Price/Forward Earnings ratio of 73.12, UHAL can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, UHAL is valued a bit more expensive than 62.79% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.27, UHAL is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.55 | ||
| Fwd PE | 73.12 |
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 67.44% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.88 |
4.3 Compensation for Growth
A more expensive valuation may be justified as UHAL's earnings are expected to grow with 36.73% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-34.27%
EPS Next 3Y36.73%
5. Dividend
5.1 Amount
No dividends for UHAL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:UHAL (11/5/2025, 3:06:11 PM)
53.7
+0.12 (+0.22%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)
Earnings (Next)
Inst Owners42.94%
Inst Owner Change-0.61%
Ins Owners6.68%
Ins Owner Change0%
Market Cap10.53B
Revenue(TTM)5.91B
Net Income(TTM)314.00M
Analysts45.71
Price Target91.35 (70.11%)
Short Float %11.78%
Short Ratio6.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.18
Dividend Growth(5Y)-34.3%
DP11.24%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-96.28%
Min EPS beat(2)-165.28%
Max EPS beat(2)-27.27%
EPS beat(4)0
Avg EPS beat(4)-65.92%
Min EPS beat(4)-165.28%
Max EPS beat(4)-27.27%
EPS beat(8)1
Avg EPS beat(8)3.61%
EPS beat(12)3
Avg EPS beat(12)72.61%
EPS beat(16)4
Avg EPS beat(16)53.11%
Revenue beat(2)1
Avg Revenue beat(2)4.18%
Min Revenue beat(2)-1%
Max Revenue beat(2)9.35%
Revenue beat(4)2
Avg Revenue beat(4)1.32%
Min Revenue beat(4)-3.6%
Max Revenue beat(4)9.35%
Revenue beat(8)2
Avg Revenue beat(8)-0.22%
Revenue beat(12)2
Avg Revenue beat(12)-2.5%
Revenue beat(16)5
Avg Revenue beat(16)-1.46%
PT rev (1m)-0.02%
PT rev (3m)-1.05%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-35.08%
EPS NY rev (1m)0%
EPS NY rev (3m)-73.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.55 | ||
| Fwd PE | 73.12 | ||
| P/S | 1.78 | ||
| P/FCF | N/A | ||
| P/OCF | 6.59 | ||
| P/B | 1.37 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | 9.88 |
EPS(TTM)1.43
EY2.66%
EPS(NY)0.73
Fwd EY1.37%
FCF(TTM)-9.22
FCFYN/A
OCF(TTM)8.15
OCFY15.18%
SpS30.14
BVpS39.07
TBVpS39.07
PEG (NY)N/A
PEG (5Y)N/A
Graham Number35.46
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.51% | ||
| ROE | 4.1% | ||
| ROCE | 3.56% | ||
| ROIC | 2.7% | ||
| ROICexc | 2.83% | ||
| ROICexgc | 2.86% | ||
| OM | 11.48% | ||
| PM (TTM) | 5.31% | ||
| GM | 36.78% | ||
| FCFM | N/A |
ROA(3y)3.39%
ROA(5y)4.17%
ROE(3y)9.27%
ROE(5y)11.9%
ROIC(3y)4.65%
ROIC(5y)5.52%
ROICexc(3y)5.17%
ROICexc(5y)6.28%
ROICexgc(3y)5.21%
ROICexgc(5y)6.33%
ROCE(3y)6.13%
ROCE(5y)7.28%
ROICexgc growth 3Y-31.35%
ROICexgc growth 5Y-2.92%
ROICexc growth 3Y-31.38%
ROICexc growth 5Y-2.92%
OM growth 3Y-23.98%
OM growth 5Y-1.52%
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.95 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 4.24 | ||
| Cap/Depr | 330.77% | ||
| Cap/Sales | 57.62% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 93.61% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.71 | ||
| Quick Ratio | 0.61 | ||
| Altman-Z | 1.38 |
F-Score3
WACC8.75%
ROIC/WACC0.31
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)-80.93%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-28.42%
EPS Next Y-64%
EPS Next 2Y-34.27%
EPS Next 3Y36.73%
EPS Next 5YN/A
Revenue 1Y (TTM)4.91%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%5.29%
Revenue Next Year3.05%
Revenue Next 2Y3.37%
Revenue Next 3Y3.49%
Revenue Next 5YN/A
EBIT growth 1Y-24.15%
EBIT growth 3Y-23.59%
EBIT growth 5Y6.3%
EBIT Next Year125.94%
EBIT Next 3Y35.31%
EBIT Next 5YN/A
FCF growth 1Y-38.2%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y3.56%
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.
Can you provide the valuation status for U-HAUL HOLDING CO?
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.
Can you provide the financial health for UHAL stock?
The financial health rating of U-HAUL HOLDING CO (UHAL) is 0 / 10.
What is the expected EPS growth for U-HAUL HOLDING CO (UHAL) stock?
The Earnings per Share (EPS) of U-HAUL HOLDING CO (UHAL) is expected to decline by -64% in the next year.