U-HAUL HOLDING CO (UHAL) Stock Fundamental Analysis
USA - NYSE:UHAL - US0235861004 - Common Stock
52.71 USD
+0.16 (+0.3%)
We assign a fundamental rating of 2 out of 10 to UHAL. UHAL was compared to 43 industry peers in the Ground Transportation industry. There are concerns on the financial health of UHAL while its profitability can be described as average. UHAL is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year UHAL was profitable.
UHAL had a positive operating cash flow in the past year.
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
UHAL has a Return On Assets (1.51%) which is in line with its industry peers.
UHAL has a Return On Equity of 4.10%. This is comparable to the rest of the industry: UHAL outperforms 55.81% of its industry peers.
UHAL has a Return On Invested Capital (2.70%) which is comparable to the rest of the industry.
UHAL had an Average Return On Invested Capital over the past 3 years of 4.65%. This is below the industry average of 7.44%.
| 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
The Profit Margin of UHAL (5.31%) is better than 76.74% of its industry peers.
In the last couple of years the Profit Margin of UHAL has declined.
UHAL has a better Operating Margin (11.48%) than 76.74% of its industry peers.
In the last couple of years the Operating Margin of UHAL has declined.
With a Gross Margin value of 36.78%, UHAL perfoms like the industry average, 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
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
UHAL has an Altman-Z score of 1.37. This is a bad value and indicates that UHAL is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 1.37, UHAL is not doing good in the industry: 69.77% of the companies in the same industry are doing better.
UHAL has a Debt/Equity ratio of 0.95. This is a neutral value indicating 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 60.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.95 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.37 |
ROIC/WACC0.31
WACC8.68%
2.3 Liquidity
A Current Ratio of 0.71 indicates that UHAL may have some problems paying its short term obligations.
UHAL's Current ratio of 0.71 is on the low side compared to the rest of the industry. UHAL is outperformed by 86.05% of its industry peers.
A Quick Ratio of 0.61 indicates that UHAL may have some problems paying its short term obligations.
The Quick ratio of UHAL (0.61) is worse than 83.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.71 | ||
| Quick Ratio | 0.61 |
3. Growth
3.1 Past
UHAL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -85.30%.
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 3.61%.
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)3.61%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%3.73%
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 36.83% on average per year.
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-67.8%
EPS Next 2Y20.5%
EPS Next 3Y36.83%
EPS Next 5YN/A
Revenue Next Year3.1%
Revenue Next 2Y3.41%
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
UHAL is valuated quite expensively with a Price/Earnings ratio of 52.19.
UHAL's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.35. UHAL is valued rather expensively when compared to this.
The Price/Forward Earnings ratio is 21.35, which indicates a rather expensive current valuation of UHAL.
Based on the Price/Forward Earnings ratio, UHAL is valued a bit cheaper than 65.12% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 33.72. UHAL is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 52.19 | ||
| Fwd PE | 21.35 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, UHAL is valued a bit cheaper than the industry average as 67.44% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 9.76 |
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 2Y20.5%
EPS Next 3Y36.83%
5. Dividend
5.1 Amount
No dividends for UHAL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:UHAL (11/12/2025, 10:12:17 AM)
52.71
+0.16 (+0.3%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)
Earnings (Next)
Inst Owners42.94%
Inst Owner Change-0.99%
Ins Owners6.68%
Ins Owner Change0%
Market Cap10.34B
Revenue(TTM)5.83B
Net Income(TTM)314.00M
Analysts45.71
Price Target91.35 (73.31%)
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)2.53%
EPS NQ rev (3m)-33.44%
EPS NY rev (1m)-10.55%
EPS NY rev (3m)-76.54%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-0.79%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)-2.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 52.19 | ||
| Fwd PE | 21.35 | ||
| P/S | 1.75 | ||
| P/FCF | N/A | ||
| P/OCF | 6.46 | ||
| P/B | 1.35 | ||
| P/tB | 1.35 | ||
| EV/EBITDA | 9.76 |
EPS(TTM)1.01
EY1.92%
EPS(NY)2.47
Fwd EY4.68%
FCF(TTM)-9.22
FCFYN/A
OCF(TTM)8.15
OCFY15.47%
SpS30.14
BVpS39.07
TBVpS39.07
PEG (NY)N/A
PEG (5Y)N/A
Graham Number29.8
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 | 1.37 |
F-Score3
WACC8.68%
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)-85.3%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-46.15%
EPS Next Y-67.8%
EPS Next 2Y20.5%
EPS Next 3Y36.83%
EPS Next 5YN/A
Revenue 1Y (TTM)3.61%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%3.73%
Revenue Next Year3.1%
Revenue Next 2Y3.41%
Revenue Next 3Y3.53%
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 3 / 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 -67.8% in the next year.