(UHAL-B) U-Haul Holding - Overview
Stock: Trucks, Trailers, Storage, Insurance, Supplies
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.38% |
| Yield on Cost 5y | 0.39% |
| Yield CAGR 5y | 8.47% |
| Payout Consistency | 98.8% |
| Payout Ratio | 24.6% |
| Risk 5d forecast | |
|---|---|
| Volatility | 29.2% |
| Relative Tail Risk | -5.45% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.96 |
| Alpha | -43.47 |
| Character TTM | |
|---|---|
| Beta | 0.982 |
| Beta Downside | 1.042 |
| Drawdowns 3y | |
|---|---|
| Max DD | 38.62% |
| CAGR/Max DD | -0.21 |
Description: UHAL-B U-Haul Holding January 02, 2026
U-Haul Holding Company (formerly AMERCO) is a DIY moving and storage provider operating in the United States and Canada, offering trucks, trailers, portable storage units (U-Box), self-storage spaces, and a suite of moving supplies and specialty rental items.
The business is organized into three segments: (1) Moving & Storage – core rentals and sales of moving equipment; (2) Property & Casualty Insurance – protection packages such as Safemove, Safetow, Safestor, and Safehaul; and (3) Life Insurance – Medicare-supplement, annuity and senior-focused life products written and re-insured in-house.
U-Haul also runs uhaul.com, an online marketplace that matches consumers with independent moving helpers and self-storage affiliates, and it distributes its services through a network of company-owned retail centers and independent dealers.
Key operating metrics (FY 2023): revenue ≈ $8.5 billion, operating margin ≈ 10 %, and a fleet of roughly 180 k trucks and trailers. Same-store sales grew ~4 % YoY, driven by a rebound in inter-state migration and a modest uptick in residential moving after the 2022-23 housing market slowdown.
Principal economic drivers include housing starts, consumer confidence, and seasonal migration patterns; higher interest rates can suppress new-home purchases and thus moving demand, while e-commerce-related relocations and the “remote-work-driven” migration to secondary markets provide upside tailwinds.
Note: the GICS sub-industry listed as “Passenger Airlines” is a data error-U-Haul belongs to the “Road & Railway Transportation” and “Real Estate Services” categories.
For a deeper dive into UHAL-B’s valuation metrics and scenario analysis, the ValueRay platform provides a transparent, data-driven toolkit worth exploring.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: 197.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.08 > 0.02 and ΔFCF/TA 0.23 > 1.0 |
| NWC/Revenue: 14.34% < 20% (prev 17.42%; Δ -3.08% < -1%) |
| CFO/TA 0.08 > 3% & CFO 1.62b > Net Income 197.5m |
| Net Debt (6.65b) to EBITDA (1.72b): 3.86 < 3 |
| Current Ratio: 1.96 > 1.5 & < 3 |
| Outstanding Shares: last quarter (196.1m) vs 12m ago 0.0% < -2% |
| Gross Margin: 46.79% > 18% (prev 0.86%; Δ 4593 % > 0.5%) |
| Asset Turnover: 28.74% > 50% (prev 28.03%; Δ 0.71% > 0%) |
| Interest Coverage Ratio: 1.89 > 6 (EBITDA TTM 1.72b / Interest Expense TTM 331.7m) |
Altman Z'' 2.32
| A: 0.04 (Total Current Assets 1.75b - Total Current Liabilities 894.1m) / Total Assets 21.43b |
| B: 0.38 (Retained Earnings 8.16b / Total Assets 21.43b) |
| C: 0.03 (EBIT TTM 626.7m / Avg Total Assets 20.78b) |
| D: 0.58 (Book Value of Equity 7.98b / Total Liabilities 13.66b) |
| Altman-Z'' Score: 2.32 = BBB |
Beneish M -2.50
| DSRI: 0.61 (Receivables 175.6m/271.8m, Revenue 5.97b/5.64b) |
| GMI: 1.84 (GM 46.79% / 85.88%) |
| AQI: 1.20 (AQ_t 0.17 / AQ_t-1 0.14) |
| SGI: 1.06 (Revenue 5.97b / 5.64b) |
| TATA: -0.07 (NI 197.5m - CFO 1.62b) / TA 21.43b) |
| Beneish M-Score: -2.50 (Cap -4..+1) = BBB |
What is the price of UHAL-B shares?
Over the past week, the price has changed by -13.08%, over one month by -10.97%, over three months by -5.80% and over the past year by -28.37%.
Is UHAL-B a buy, sell or hold?
What are the forecasts/targets for the UHAL-B price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 80 | 77.6% |
| Analysts Target Price | 80 | 77.6% |
| ValueRay Target Price | 42.9 | -4.8% |
UHAL-B Fundamental Data Overview February 03, 2026
P/E Forward = 98.0392
P/S = 1.6481
P/B = 1.2718
Revenue TTM = 5.97b USD
EBIT TTM = 626.7m USD
EBITDA TTM = 1.72b USD
Long Term Debt = 5.47b USD (from longTermDebt, last quarter)
Short Term Debt = 24.4m USD (from shortTermDebt, last quarter)
Debt = 7.74b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 6.65b USD (from netDebt column, last quarter)
Enterprise Value = 16.50b USD (9.84b + Debt 7.74b - CCE 1.08b)
Interest Coverage Ratio = 1.89 (Ebit TTM 626.7m / Interest Expense TTM 331.7m)
EV/FCF = -9.07x (Enterprise Value 16.50b / FCF TTM -1.82b)
FCF Yield = -11.03% (FCF TTM -1.82b / Enterprise Value 16.50b)
FCF Margin = -30.47% (FCF TTM -1.82b / Revenue TTM 5.97b)
Net Margin = 3.31% (Net Income TTM 197.5m / Revenue TTM 5.97b)
Gross Margin = 46.79% ((Revenue TTM 5.97b - Cost of Revenue TTM 3.18b) / Revenue TTM)
Gross Margin QoQ = 15.44% (prev 17.34%)
Tobins Q-Ratio = 0.77 (Enterprise Value 16.50b / Total Assets 21.43b)
Interest Expense / Debt = 1.17% (Interest Expense 90.9m / Debt 7.74b)
Taxrate = 22.93% (31.4m / 137.0m)
NOPAT = 482.9m (EBIT 626.7m * (1 - 22.93%))
Current Ratio = 1.96 (Total Current Assets 1.75b / Total Current Liabilities 894.1m)
Debt / Equity = 1.00 (Debt 7.74b / totalStockholderEquity, last quarter 7.77b)
Debt / EBITDA = 3.86 (Net Debt 6.65b / EBITDA 1.72b)
Debt / FCF = -3.66 (negative FCF - burning cash) (Net Debt 6.65b / FCF TTM -1.82b)
Total Stockholder Equity = 7.64b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.95% (Net Income 197.5m / Total Assets 21.43b)
RoE = 2.58% (Net Income TTM 197.5m / Total Stockholder Equity 7.64b)
RoCE = 4.78% (EBIT 626.7m / Capital Employed (Equity 7.64b + L.T.Debt 5.47b))
RoIC = 3.76% (NOPAT 482.9m / Invested Capital 12.83b)
WACC = 5.73% (E(9.84b)/V(17.58b) * Re(9.53%) + D(7.74b)/V(17.58b) * Rd(1.17%) * (1-Tc(0.23)))
Discount Rate = 9.53% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
Fair Price DCF = unknown (Cash Flow -1.82b)
EPS Correlation: -32.60 | EPS CAGR: -22.02% | SUE: -1.37 | # QB: 0
Revenue Correlation: 18.08 | Revenue CAGR: 5.55% | SUE: N/A | # QB: 0
EPS next Year (2027-03-31): EPS=1.80 | Chg30d=-0.101 | Revisions Net=-1 | Growth EPS=+99.2% | Growth Revenue=+4.2%