UHAL-B Stock Analysis: U-Haul Holding | NYSE
Rental & Leasing Services | NYSE, USA | Market Cap: 9.632m USD | 12M Return: -1.5% | US0235865062 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 15.7M
EPS Trend: -92.1%
Qual. Beats: 0
Rev. Trend: 87.3%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 3.9 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
U-Haul Holding Company (NYSE: UHAL-B) is a Reno, Nevada-based do-it-yourself moving and storage operator serving household and commercial customers across the United States and Canada. Founded in 1945 and formerly known as AMERCO, the company runs three business segments: Moving and Storage, Property and Casualty Insurance, and Life Insurance. Its core rental offerings include trucks, trailers, portable moving and storage units (U-Boxes), self-storage spaces, and specialty items, sold alongside moving supplies, towing accessories, and propane. Distribution occurs through a network of company-managed retail stores and independent U-Haul dealers, supplemented by the uhaul.com online marketplace that connects customers to independent moving help providers and self-storage affiliates.
The company also sells a suite of branded protection packages (Safemove, Safetow, Safestor, Safehaul, Safemove Plus, and Safetrip) that bundle damage waivers, cargo coverage, liability protection, and roadside assistance with rentals, while its Life Insurance segment distributes life, Medicare supplement, and annuity products to seniors through direct writing and reinsurance. This vertically integrated model-combining equipment rental, retail supply sales, self-storage, and in-house insurance underwriting-differentiates U-Haul from pure-play rental or storage peers and helps it capture ancillary revenue from each customer transaction. The company is classified within the Industrials sector and trades as a Large Cap with a market capitalization of approximately $10.4 billion USD.
- Self-storage expansion drives recurring rental revenue growth
- Truck rental margins pressured by rising fleet maintenance and fuel costs
- Housing market weakness reduces household moving demand
| Net Income: 46.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA 8.70 > 1.0 |
| NWC/Revenue: 33.06% < 20% (prev 9.52%; Δ 23.55% < -1%) |
| CFO/TA 0.08 > 3% & CFO 1.83b > Net Income 46.1m |
| Net Debt (7.13b) to EBITDA (1.68b): 4.25 < 3 |
| Current Ratio: 2.04 > 1.5 & < 3 |
| Outstanding Shares: last quarter (196.1m) vs 12m ago 0.0% < -2% |
| Gross Margin: 49.72% > 18% (prev 67.02%; Δ -17.29% > 0.5%) |
| Asset Turnover: 28.65% > 50% (prev 28.35%; Δ 0.30% > 0%) |
| Interest Coverage Ratio: 1.22 > 6 (EBIT TTM 468.4m / Interest Expense TTM 382.4m) |
| A: 0.09 (Total Current Assets 3.94b - Total Current Liabilities 1.93b) / Total Assets 21.7b |
| B: 0.37 (Retained Earnings 8.09b / Total Assets 21.7b) |
| C: 0.02 (EBIT TTM 468.4m / Avg Total Assets 21.3b) |
| D: 0.55 (Book Value of Equity 7.66b / Total Liabilities 14.0b) |
| Altman-Z'' = 2.55 = A |
| DSRI: 0.68 (Receivables 190.9m/271.5m, Revenue 6.09b/5.91b) |
| GMI: 1.35 (GM 67.02% / 49.72%) |
| AQI: 0.34 (AQ_t 0.04 / AQ_t-1 0.13) |
| SGI: 1.03 (Revenue 6.09b / 5.91b) |
| TATA: -0.08 (NI 46.1m - CFO 1.83b) / TA 21.7b) |
| Beneish M = -3.35 (Cap -4..+1) = AA |
As of October 15, 2026, the stock is trading at USD 49.84 with a total of 349,875 shares traded. Over the past week, the price has changed by -4.30%, over one month by -10.92%, over three months by -17.09% and over the past year by -1.52%.
Current recommended Stop Loss: 47.70 (which is 4.3% or 1.8 ATR below the current price).
U-Haul Holding has no consensus analysts rating.
| Analysts Target Price | 78 | 56.5% |
P/E Trailing = 351.9286
P/E Forward = 49.0196
P/S = 1.5729
P/B = 1.3737
Revenue TTM = 6.09b USD
EBIT TTM = 468.4m USD
EBITDA TTM = 1.68b USD
Long Term Debt = 5.73b USD (from longTermDebt, last quarter)
Short Term Debt = 9.49m USD (from shortTermDebt, last fiscal year)
Debt = 10.6b USD (from shortLongTermDebtTotal, last quarter) + Leases 2.41b
Net Debt = 7.13b USD (calculated: Debt 10.6b - CCE 3.43b)
Enterprise Value = 16.8b USD (9.63b + Debt 10.6b - CCE 3.43b)
Interest Coverage Ratio = 1.22 (Ebit TTM 468.4m / Interest Expense TTM 382.4m)
EV/FCF = 1000.0x (Enterprise Value 16.8b / FCF TTM 6.19m)
FCF Yield = 0.04% (FCF TTM 6.19m / Enterprise Value 16.8b)
FCF Margin = 0.10% (FCF TTM 6.19m / Revenue TTM 6.09b)
Net Margin = 0.76% (Net Income TTM 46.1m / Revenue TTM 6.09b)
Gross Margin = 49.72% ((Revenue TTM 6.09b - Cost of Revenue TTM 3.06b) / Revenue TTM)
Gross Margin QoQ = none% (prev 85.27%)
Tobins Q-Ratio = 0.77 (Enterprise Value 16.8b / Total Assets 21.7b)
Interest Expense / Debt = 3.62% (Interest Expense 382.4m / Debt 10.6b)
Taxrate = 28.35% (25.2m / 88.9m)
NOPAT = 335.6m (EBIT 468.4m * (1 - 28.35%))
Current Ratio = 2.04 (Total Current Assets 3.94b / Total Current Liabilities 1.93b)
Debt / Equity = 1.38 (Debt 10.6b / totalStockholderEquity, last quarter 7.66b)
Debt / EBITDA = 4.25 (Net Debt 7.13b / EBITDA 1.68b)
Debt / FCF = 1.15k (out of range, set to none) (Net Debt 7.13b / FCF TTM 6.19m)
Total Stockholder Equity = 7.70b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.22% (Net Income 46.1m / Total Assets 21.7b)
RoE = 0.60% (Net Income TTM 46.1m / Total Stockholder Equity 7.70b)
RoCE = 3.49% (EBIT 468.4m / Capital Employed (Equity 7.70b + L.T.Debt 5.73b))
RoIC = 1.73% (NOPAT 335.6m / Invested Capital 19.4b)
WACC = 5.51% (E(9.63b)/V(20.2b) * Re(8.70%) + D(10.6b)/V(20.2b) * Rd(3.62%) * (1-Tc(0.28)))
Discount Rate = 8.70% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 0.0 | Cagr: 0.0%
[DCF] Terminal Value 75.44% ; FCFF base≈6.19m ; Y1≈6.22m ; Y5≈6.59m
[DCF] Fair Price = N/A (negative equity: EV 102.4m - Net Debt 7.13b = -7.02b; debt exceeds intrinsic value)
EPS Correlation: -92.12 | EPS CAGR: -63.72% | SUE: 0.59 | # QB: 0
Revenue Correlation: 87.29 | Revenue CAGR: 2.86% | SUE: 0.02 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.73 | Chg30d=+40.38% | Revisions=+0% | Analysts=1
EPS next Quarter (2026-12-31): EPS=0.12 | Chg30d=-33.33% | Revisions=+0% | Analysts=1
EPS current Year (2027-03-31): EPS=1.12 | Chg30d=+0.00% | Revisions=-25% | GrowthEPS=+0.0% | GrowthRev=+4.2%
EPS next Year (2028-03-31): EPS=2.20 | Chg30d=+1.85% | Revisions=+0% | GrowthEPS=+96.4% | GrowthRev=+5.3%