UHAL-B Stock Analysis: U-Haul Holding | NYSE
Rental & Leasing Services | NYSE, USA | Market Cap: 11.681m USD | 12M Return: 8.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 27.9M
Qual. Beats: 0
Rev. Trend: 72.5%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 3.6 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 is a do-it-yourself moving and storage operator serving household and commercial customers across the United States and Canada, and is widely recognized as the largest DIY moving truck rental company in North America. The company operates through three reportable segments: Moving and Storage, Property and Casualty Insurance, and Life Insurance.
Its core operations include renting trucks, trailers, portable and fixed moving and storage units, specialty rental items, and self-storage spaces, as well as selling moving supplies, towing accessories, and propane. Distribution is handled through a network of company-managed retail stores and independent U-Haul dealers.
The company also operates uhaul.com, an online marketplace connecting customers with independent moving-help service providers and self-storage affiliates, and offers U-Box portable moving and storage containers. Its insurance segment provides moving and storage protection packages, loss adjusting and claims handling services, and life and health products (including Medicare supplement and annuity policies) targeted at the senior market through direct writing and reinsurance.
U-Haul Holding Company was founded in 1945 and is headquartered in Reno, Nevada. It was formerly known as AMERCO before adopting its current name in December 2022.
- Self-storage portfolio expansion drives recurring revenue growth
- Truck rental demand tied to housing market turnover and mortgage rates
- Heavy fleet capital spending pressures depreciation and margins
| Net Income: 56.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA 9.21 > 1.0 |
| NWC/Revenue: 13.08% < 20% (prev 13.30%; Δ -0.21% < -1%) |
| CFO/TA 0.08 > 3% & CFO 1.79b > Net Income 56.7m |
| Net Debt (9.42b) to EBITDA (1.77b): 5.32 < 3 |
| Current Ratio: 1.92 > 1.5 & < 3 |
| Outstanding Shares: last quarter (196.1m) vs 12m ago 0.0% < -2% |
| Gross Margin: 28.16% > 18% (prev 85.86%; Δ -57.70% > 0.5%) |
| Asset Turnover: 28.42% > 50% (prev 28.46%; Δ -0.04% > 0%) |
| Interest Coverage Ratio: 1.30 > 6 (EBIT TTM 477.0m / Interest Expense TTM 367.4m) |
| A: 0.04 (Total Current Assets 1.65b - Total Current Liabilities 859.8m) / Total Assets 22.0b |
| B: 0.36 (Retained Earnings 7.98b / Total Assets 22.0b) |
| C: 0.02 (EBIT TTM 477.0m / Avg Total Assets 21.2b) |
| D: 0.53 (Book Value of Equity 7.61b / Total Liabilities 14.4b) |
| Altman-Z'' = 2.12 = BBB |
| DSRI: 0.56 (Receivables 159.8m/275.7m, Revenue 6.04b/5.83b) |
| GMI: 3.05 (GM 85.86% / 28.16%) |
| AQI: 1.37 (AQ_t 0.18 / AQ_t-1 0.13) |
| SGI: 1.04 (Revenue 6.04b / 5.83b) |
| TATA: -0.08 (NI 56.7m - CFO 1.79b) / TA 22.0b) |
| Beneish M = -1.30 (Cap -4..+1) = D |
As of July 15, 2026, the stock is trading at USD 60.17 with a total of 326,587 shares traded. Over the past week, the price has changed by +3.07%, over one month by +9.30%, over three months by +26.28% and over the past year by +8.93%.
Current recommended Stop Loss: 58.10 (which is 3.4% or 1.4 ATR below the current price).
U-Haul Holding has no consensus analysts rating.
| Analysts Target Price | 78 | 29.6% |
P/E Trailing = 248.9583
P/E Forward = 59.5238
P/S = 1.9346
P/B = 1.5138
Revenue TTM = 6.04b USD
EBIT TTM = 477.0m USD
EBITDA TTM = 1.77b USD
Long Term Debt = 5.71b USD (from longTermDebt, last quarter)
Short Term Debt = 9.49m USD (from shortTermDebt, last quarter)
Debt = 10.5b USD (from shortLongTermDebtTotal, last quarter) + Leases 2.42b
Net Debt = 9.42b USD (calculated: Debt 10.5b - CCE 1.12b)
Enterprise Value = 21.1b USD (11.7b + Debt 10.5b - CCE 1.12b)
Interest Coverage Ratio = 1.30 (Ebit TTM 477.0m / Interest Expense TTM 367.4m)
EV/FCF = -176.0x (Enterprise Value 21.1b / FCF TTM -119.9m)
FCF Yield = -0.57% (FCF TTM -119.9m / Enterprise Value 21.1b)
FCF Margin = -1.99% (FCF TTM -119.9m / Revenue TTM 6.04b)
Net Margin = 0.94% (Net Income TTM 56.7m / Revenue TTM 6.04b)
Gross Margin = 28.16% ((Revenue TTM 6.04b - Cost of Revenue TTM 4.34b) / Revenue TTM)
Gross Margin QoQ = 85.27% (prev 4.77%)
Tobins Q-Ratio = 0.96 (Enterprise Value 21.1b / Total Assets 22.0b)
Interest Expense / Debt = 3.48% (Interest Expense 367.4m / Debt 10.5b)
Taxrate = 26.20% (29.5m / 112.6m)
NOPAT = 352.1m (EBIT 477.0m * (1 - 26.20%))
Current Ratio = 1.92 (Total Current Assets 1.65b / Total Current Liabilities 859.8m)
Debt / Equity = 1.38 (Debt 10.5b / totalStockholderEquity, last quarter 7.61b)
Debt / EBITDA = 5.32 (Net Debt 9.42b / EBITDA 1.77b)
Debt / FCF = -78.57 (negative FCF - burning cash) (Net Debt 9.42b / FCF TTM -119.9m)
Total Stockholder Equity = 7.70b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.27% (Net Income 56.7m / Total Assets 22.0b)
RoE = 0.74% (Net Income TTM 56.7m / Total Stockholder Equity 7.70b)
RoCE = 3.56% (EBIT 477.0m / Capital Employed (Equity 7.70b + L.T.Debt 5.71b))
RoIC = 1.69% (NOPAT 352.1m / Invested Capital 20.9b)
WACC = 6.05% (E(11.7b)/V(22.2b) * Re(9.19%) + D(10.5b)/V(22.2b) * Rd(3.48%) * (1-Tc(0.26)))
Discount Rate = 9.19% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 0.0 | Cagr: 0.0%
[DCF] Fair Price = unknown (Cash Flow -119.9m)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.14 | # QB: 0
Revenue Correlation: 72.45 | Revenue CAGR: 2.07% | SUE: 0.56 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.00 | Chg30d=N/A | Revisions=N/A | Analysts=0
EPS next Quarter (2026-09-30): EPS=0.00 | Chg30d=N/A | Revisions=N/A | Analysts=0
EPS current Year (2027-03-31): EPS=0.00 | Chg30d=N/A | Revisions=N/A | GrowthEPS=+0.0% | GrowthRev=+3.9%
EPS next Year (2028-03-31): EPS=0.00 | Chg30d=N/A | Revisions=N/A | GrowthEPS=+0.0% | GrowthRev=+3.0%