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

NYSE:UHAL • US0235861004

Current stock price

52.59 USD
-0.7 (-1.31%)
At close:
52.59 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.
  • In the past year UHAL had a positive cash flow from operations.
  • Each year in the past 5 years UHAL has 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 (1.66%) which is comparable to the rest of the industry.
  • The Return On Invested Capital of UHAL (2.21%) is comparable to the rest of the industry.
  • UHAL had an Average Return On Invested Capital over the past 3 years of 4.63%. This is below the industry average of 7.15%.
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.
  • In the last couple of years the Profit Margin of UHAL has declined.
  • With a decent Operating Margin value of 9.66%, UHAL is doing good in the industry, outperforming 73.81% of the companies in the same industry.
  • In the last couple of years the Operating Margin of UHAL has declined.
  • UHAL has a Gross Margin (36.17%) which is in line with its industry peers.
  • In the last couple of years the Gross Margin of UHAL has remained more or less at the same level.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. UHAL Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
  • The debt/assets ratio for UHAL is higher compared to a year ago.
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 73.81% of its industry peers.
  • A Debt/Equity ratio of 1.04 is on the high side and indicates that UHAL has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 1.04, UHAL is doing worse than 69.05% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.04
Debt/FCF N/A
Altman-Z 1.32
ROIC/WACC0.22
WACC9.89%
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.
  • UHAL has a worse Current ratio (0.79) than 80.95% 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: 83.33% of the companies in the same industry are doing better.
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

  • The earnings per share for UHAL have decreased strongly by -77.25% 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 5.42% in the past 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

  • UHAL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.06% yearly.
  • UHAL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.53% yearly.
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

  • 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.
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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Find the best growth stocksShow best growing peers

1

4. UHAL Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 109.56, UHAL can be considered very expensive at the moment.
  • 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's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.42.
  • UHAL is valuated quite expensively with a Price/Forward Earnings ratio of 57.27.
  • UHAL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. UHAL is more expensive than 61.90% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.24, UHAL is valued quite expensively.
Industry RankSector Rank
PE 109.56
Fwd PE 57.27
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of UHAL indicates a somewhat cheap valuation: UHAL is cheaper than 71.43% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 10.16
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

  • UHAL does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

UHAL Fundamentals: All Metrics, Ratios and Statistics

U-HAUL HOLDING CO

NYSE:UHAL (4/24/2026, 8:12:24 PM)

After market: 52.59 0 (0%)

52.59

-0.7 (-1.31%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)02-04
Earnings (Next)05-26
Inst Owners39.07%
Inst Owner Change-1.44%
Ins Owners6.68%
Ins Owner Change0%
Market Cap10.31B
Revenue(TTM)6.00B
Net Income(TTM)128.62M
Analysts77.78
Price Target75.71 (43.96%)
Short Float %18.8%
Short Ratio6.14
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)59.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.7%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.71%
Valuation
Industry RankSector Rank
PE 109.56
Fwd PE 57.27
P/S 1.72
P/FCF N/A
P/OCF 6.49
P/B 1.33
P/tB 1.33
EV/EBITDA 10.16
EPS(TTM)0.48
EY0.91%
EPS(NY)0.92
Fwd EY1.75%
FCF(TTM)-8.17
FCFYN/A
OCF(TTM)8.1
OCFY15.41%
SpS30.6
BVpS39.49
TBVpS39.49
PEG (NY)N/A
PEG (5Y)N/A
Graham Number20.6525 (-60.73%)
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
WACC9.89%
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%.