U-HAUL HOLDING CO (UHAL) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:UHAL • US0235861004
49.52 USD
-0.71 (-1.41%)
At close: Feb 11, 2026
49.52 USD
0 (0%)
After Hours: 2/11/2026, 8:04:00 PM
Overall UHAL gets a fundamental rating of 2 out of 10. We evaluated UHAL against 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. While showing a medium growth rate, UHAL is valued expensive at the moment.
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.
- 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.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.09%, UHAL is in line with its industry, outperforming 47.62% of the companies in the same industry.
- UHAL's Return On Equity of 3.00% is in line compared to the rest of the industry. UHAL outperforms 52.38% of its industry peers.
- With a Return On Invested Capital value of 2.60%, UHAL perfoms like the industry average, outperforming 50.00% 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 7.14%.
| 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
- UHAL's Profit Margin of 3.90% is fine compared to the rest of the industry. UHAL outperforms 69.05% of its industry peers.
- UHAL's Profit Margin has declined in the last couple of years.
- UHAL has a Operating Margin of 11.24%. This is in the better half of the industry: UHAL outperforms 76.19% of its industry peers.
- UHAL's Operating Margin has declined in the last couple of years.
- UHAL's Gross Margin of 36.97% is in line compared to the rest of the industry. UHAL outperforms 50.00% of its industry peers.
- In the last couple of years the Gross Margin of UHAL has remained more or less at the same level.
| 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.
- The number of shares outstanding for UHAL remains at a similar level compared to 1 year ago.
- Compared to 5 years ago, UHAL has more shares outstanding
- The debt/assets ratio for UHAL is higher compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 1.33, we must say that UHAL is in the distress zone and has some risk of bankruptcy.
- UHAL's Altman-Z score of 1.33 is on the low side compared to the rest of the industry. UHAL is outperformed by 66.67% of its industry peers.
- UHAL has a Debt/Equity ratio of 0.99. This is a neutral value indicating UHAL is somewhat dependend on debt financing.
- UHAL has a worse Debt to Equity ratio (0.99) than 64.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.33 |
ROIC/WACC0.28
WACC9.3%
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 76.19% of its industry peers.
- A Quick Ratio of 0.69 indicates that UHAL may have some problems paying 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.
- The earnings per share for UHAL have been decreasing by -40.34% on average. This is quite bad
- UHAL shows a small growth in Revenue. In the last year, the Revenue has grown by 3.61%.
- 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.
- 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-53.6%
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
- 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
- With a Price/Earnings ratio of 103.17, UHAL can be considered very expensive at the moment.
- UHAL's Price/Earnings is on the same level as the industry average.
- UHAL is valuated expensively when we compare the Price/Earnings ratio to 28.23, which is the current average of the S&P500 Index.
- UHAL is valuated quite expensively with a Price/Forward Earnings ratio of 50.93.
- 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.
- UHAL is valuated expensively when we compare the Price/Forward Earnings ratio to 28.01, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 103.17 | ||
| Fwd PE | 50.93 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.36 |
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% |
49.52
-0.71 (-1.41%)
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 Change-7.17%
Ins Owners6.68%
Ins Owner Change0%
Market Cap9.71B
Revenue(TTM)5.83B
Net Income(TTM)232.76M
Analysts77.78
Price Target78.77 (59.07%)
Short Float %15.38%
Short Ratio6.7
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)0.03%
Revenue NY rev (3m)3.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 103.17 | ||
| Fwd PE | 50.93 | ||
| P/S | 1.63 | ||
| P/FCF | N/A | ||
| P/OCF | 5.99 | ||
| P/B | 1.25 | ||
| P/tB | 1.25 | ||
| EV/EBITDA | 9.36 |
EPS(TTM)0.48
EY0.97%
EPS(NY)0.97
Fwd EY1.96%
FCF(TTM)-9.28
FCFYN/A
OCF(TTM)8.26
OCFY16.69%
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 | 1.33 |
F-Score4
WACC9.3%
ROIC/WACC0.28
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.