(UHAL) U-Haul Holding - Overview
Sector: Industrials | Industry: Rental & Leasing Services | Exchange: NYSE (USA) | Market Cap: 9.886m USD | Total Return: -8.5% in 12m
Avg Turnover: 9.64M
EPS Trend: -95.2%
Qual. Beats: 0
Rev. Trend: 72.5%
Qual. Beats: 0
Warnings
P/E ratio 110.7
High Debt while negative Cash Flow
Tailwinds
No distinct edge detected
U-Haul Holding Company (UHAL) is the dominant provider of do-it-yourself moving and storage solutions across the United States and Canada. The company operates through three primary segments: Moving and Storage, Property and Casualty Insurance, and Life Insurance. Its core business model centers on a vast integrated network of company-owned retail stores and independent dealers that rent trucks, trailers, and self-storage units to household and commercial movers.
The company leverages a high-margin ancillary revenue stream by selling moving supplies and offering specialized insurance products, such as Safemove and Safestor, to mitigate transit and storage risks. In the cargo ground transportation sector, business success is often tied to geographic density and fleet utilization rates, as high fixed costs require consistent rental volume to maintain profitability. U-Haul further extends its market reach through digital platforms like uhaul.com, which connects customers with independent moving labor and storage affiliates.
Investors can evaluate the companys long-term capital allocation and historical performance trends by reviewing the detailed financial metrics available on ValueRay. Founded in 1945 and formerly known as AMERCO, the Reno-based firm maintains a competitive advantage through its extensive physical footprint, which serves as a significant barrier to entry for new competitors in the North American moving market.
- Self-storage expansion and occupancy rates drive long-term recurring revenue growth
- Fluctuations in residential real estate transaction volume impact equipment rental demand
- Fleet maintenance costs and vehicle resale values affect operating profit margins
- High interest rates increase debt servicing costs for capital-intensive real estate projects
- Growth in high-margin insurance product attachment rates enhances overall corporate profitability
| Net Income: 56.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.21 > 0.02 and ΔFCF/TA -10.39 > 1.0 |
| NWC/Revenue: 51.29% < 20% (prev 13.30%; Δ 37.99% < -1%) |
| CFO/TA 0.08 > 3% & CFO 1.79b > Net Income 56.7m |
| Net Debt (6.94b) to EBITDA (1.62b): 4.27 < 3 |
| Current Ratio: 4.97 > 1.5 & < 3 |
| Outstanding Shares: last quarter (196.1m) vs 12m ago 0.0% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 28.76% > 50% (prev 28.46%; Δ 0.30% > 0%) |
| Interest Coverage Ratio: 2.50 > 6 (EBITDA TTM 1.62b / Interest Expense TTM 173.1m) |
| A: 0.14 (Total Current Assets 3.88b - Total Current Liabilities 779.3m) / Total Assets 21.5b |
| B: 0.37 (Retained Earnings 7.98b / Total Assets 21.5b) |
| C: 0.02 (EBIT TTM 432.6m / Avg Total Assets 21.0b) |
| D: 0.56 (Book Value of Equity 7.83b / Total Liabilities 13.9b) |
| Altman-Z'' = 2.88 = A |
| DSRI: 0.56 (Receivables 159.8m/275.7m, Revenue 6.04b/5.83b) |
| GMI: 0.90 (GM 95.91% / 85.86%) |
| AQI: 0.43 (AQ_t 0.06 / AQ_t-1 0.13) |
| SGI: 1.04 (Revenue 6.04b / 5.83b) |
| TATA: -0.08 (NI 56.7m - CFO 1.79b) / TA 21.5b) |
| Beneish M = -3.88 (Cap -4..+1) = AAA |
As of May 30, 2026, the stock is trading at USD 57.89 with a total of 381,357 shares traded.
Over the past week, the price has changed by +13.07%,
over one month by +14.16%,
over three months by +14.27% and
over the past year by -8.45%.
U-Haul Holding has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold UHAL.
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 75.5 | 30.3% |
P/E Trailing = 110.7234
P/E Forward = 67.5676
P/S = 1.6479
P/B = 1.2767
P/EG = 2.3491
Revenue TTM = 6.04b USD
EBIT TTM = 432.6m USD
EBITDA TTM = 1.62b USD
Long Term Debt = 5.71b USD (from longTermDebt, last quarter)
Short Term Debt = 13.9m USD (from shortTermDebt, two quarters ago)
Debt = 10.5b USD (from shortLongTermDebtTotal, two quarters ago) + Leases 2.42b
Net Debt = 6.94b USD (calculated: Debt 10.5b - CCE 3.54b)
Enterprise Value = 16.8b USD (9.89b + Debt 10.5b - CCE 3.54b)
Interest Coverage Ratio = 2.50 (Ebit TTM 432.6m / Interest Expense TTM 173.1m)
EV/FCF = -3.75x (Enterprise Value 16.8b / FCF TTM -4.48b)
FCF Yield = -26.64% (FCF TTM -4.48b / Enterprise Value 16.8b)
FCF Margin = -74.23% (FCF TTM -4.48b / Revenue TTM 6.04b)
Net Margin = 0.94% (Net Income TTM 56.7m / Revenue TTM 6.04b)
Gross Margin = unknown ((Revenue TTM 6.04b - Cost of Revenue TTM 246.9m) / Revenue TTM)
Tobins Q-Ratio = 0.78 (Enterprise Value 16.8b / Total Assets 21.5b)
Interest Expense / Debt = 1.65% (Interest Expense 173.1m / Debt 10.5b)
Taxrate = 21.0% (US default 21%)
NOPAT = 341.8m (EBIT 432.6m * (1 - 21.00%))
Current Ratio = 3.81 (Total Current Assets 3.88b / Total Current Liabilities 1.02b)
Debt / Equity = 1.38 (Debt 10.5b / totalStockholderEquity, last quarter 7.61b)
Debt / EBITDA = 4.27 (Net Debt 6.94b / EBITDA 1.62b)
Debt / FCF = -1.55 (negative FCF - burning cash) (Net Debt 6.94b / FCF TTM -4.48b)
Total Stockholder Equity = 7.70b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.27% (Net Income 56.7m / Total Assets 21.5b)
RoE = 0.74% (Net Income TTM 56.7m / Total Stockholder Equity 7.70b)
RoCE = 3.23% (EBIT 432.6m / Capital Employed (Equity 7.70b + L.T.Debt 5.71b))
RoIC = 1.91% (NOPAT 341.8m / Invested Capital 17.9b)
WACC = 5.34% (E(9.89b)/V(20.4b) * Re(9.62%) + D(10.5b)/V(20.4b) * Rd(1.65%) * (1-Tc(0.21)))
Discount Rate = 9.62% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 0.0 | Cagr: 0.0%
[DCF] Fair Price = unknown (Cash Flow -4.48b)
EPS Correlation: -95.17 | EPS CAGR: -63.70% | SUE: -0.40 | # QB: 0
Revenue Correlation: 72.45 | Revenue CAGR: 2.07% | SUE: 0.49 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.76 | Chg30d=N/A | Revisions=N/A | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.80 | Chg30d=N/A | Revisions=N/A | Analysts=1
EPS current Year (2027-03-31): EPS=0.77 | Chg30d=+45.28% | Revisions=+20% | GrowthEPS=+220.8% | GrowthRev=+2.5%