U-HAUL HOLDING CO (UHAL) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UHAL - US0235861004 - Common Stock
52.255 USD
-1.16 (-2.18%)
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
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.
Each year in the past 5 years UHAL had a positive operating cash flow.
1.2 Ratios
UHAL's Return On Assets of 1.09% is in line compared to the rest of the industry. UHAL outperforms 48.84% of its industry peers.
UHAL has a Return On Equity of 3.00%. This is comparable to the rest of the industry: UHAL outperforms 53.49% of its industry peers.
UHAL has a Return On Invested Capital (2.60%) which 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 6.83%.
| 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
The Profit Margin of UHAL (3.90%) is better than 67.44% of its industry peers.
In the last couple of years the Profit Margin of UHAL has declined.
The Operating Margin of UHAL (11.24%) is better than 76.74% of its industry peers.
In the last couple of years the Operating Margin of UHAL has declined.
The Gross Margin of UHAL (36.97%) is comparable to the rest of the industry.
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
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.
The number of shares outstanding for UHAL has been increased compared to 5 years ago.
The debt/assets ratio for UHAL is higher compared to a year ago.
2.2 Solvency
UHAL has an Altman-Z score of 1.35. This is a bad value and indicates that UHAL is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of UHAL (1.35) is worse than 72.09% 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 65.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.35 |
ROIC/WACC0.28
WACC9.41%
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's Current ratio of 0.79 is on the low side compared to the rest of the industry. UHAL is outperformed by 76.74% 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: 83.72% 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 -85.30% 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.
Looking at the last year, UHAL shows a small growth in Revenue. The Revenue has grown by 5.86% 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)-85.3%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-46.15%
Revenue 1Y (TTM)5.86%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%3.73%
3.2 Future
The Earnings Per Share is expected to grow by 36.83% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 3.53% on average over the next years.
EPS Next Y-70.6%
EPS Next 2Y-14.62%
EPS Next 3Y36.83%
EPS Next 5YN/A
Revenue Next Year6.53%
Revenue Next 2Y5.36%
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
The Price/Earnings ratio is 51.74, which means the current valuation is very expensive for UHAL.
UHAL's Price/Earnings is on the same level as the industry average.
UHAL's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.56.
With a Price/Forward Earnings ratio of 42.16, UHAL can be considered very expensive at the moment.
UHAL's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of UHAL to the average of the S&P500 Index (23.79), we can say UHAL is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 51.74 | ||
| Fwd PE | 42.16 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, UHAL is valued a bit cheaper than the industry average as 72.09% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.72 |
4.3 Compensation for Growth
A more expensive valuation may be justified as UHAL's earnings are expected to grow with 36.83% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-14.62%
EPS Next 3Y36.83%
5. Dividend
5.1 Amount
No dividends for UHAL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSE:UHAL (12/15/2025, 2:27:40 PM)
52.255
-1.16 (-2.18%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)
Earnings (Next)
Inst Owners39.17%
Inst Owner Change-6.02%
Ins Owners6.68%
Ins Owner Change0%
Market Cap10.25B
Revenue(TTM)5.97B
Net Income(TTM)232.76M
Analysts77.78
Price Target80.61 (54.26%)
Short Float %12.62%
Short Ratio6.29
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)3
Avg EPS beat(12)71.41%
EPS beat(16)3
Avg EPS beat(16)49.27%
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)-11.76%
PT rev (3m)-11.78%
EPS NQ rev (1m)-800.9%
EPS NQ rev (3m)57.14%
EPS NY rev (1m)-8.7%
EPS NY rev (3m)-18.33%
Revenue NQ rev (1m)0.89%
Revenue NQ rev (3m)1.03%
Revenue NY rev (1m)3.33%
Revenue NY rev (3m)3.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 51.74 | ||
| Fwd PE | 42.16 | ||
| P/S | 1.72 | ||
| P/FCF | N/A | ||
| P/OCF | 6.32 | ||
| P/B | 1.32 | ||
| P/tB | 1.32 | ||
| EV/EBITDA | 9.72 |
EPS(TTM)1.01
EY1.93%
EPS(NY)1.24
Fwd EY2.37%
FCF(TTM)-9.28
FCFYN/A
OCF(TTM)8.26
OCFY15.81%
SpS30.46
BVpS39.62
TBVpS39.62
PEG (NY)N/A
PEG (5Y)N/A
Graham Number30
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 | 1.35 |
F-Score4
WACC9.41%
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)-85.3%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-46.15%
EPS Next Y-70.6%
EPS Next 2Y-14.62%
EPS Next 3Y36.83%
EPS Next 5YN/A
Revenue 1Y (TTM)5.86%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%3.73%
Revenue Next Year6.53%
Revenue Next 2Y5.36%
Revenue Next 3Y3.53%
Revenue Next 5YN/A
EBIT growth 1Y-13.44%
EBIT growth 3Y-24.07%
EBIT growth 5Y5.9%
EBIT Next Year131.72%
EBIT Next 3Y35.31%
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.
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 -70.6% in the next year.