UHAL-B Stock Analysis: U-Haul Holding | NYSE
Rental & Leasing Services | NYSE, USA | Market Cap: 12.371m USD | 12M Return: 16.6% | US0235865062 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 21.1M
EPS Trend: -92.1%
Qual. Beats: 0
Rev. Trend: 87.3%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 3.7 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: 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 (1.78b): 4.01 < 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 August 30, 2026, the stock is trading at USD 60.43 with a total of 221,146 shares traded. Over the past week, the price has changed by -4.16%, over one month by -6.21%, over three months by +16.65% and over the past year by +16.59%.
Current recommended Stop Loss: 58.40 (which is 3.4% or 1.3 ATR below the current price).
U-Haul Holding has no consensus analysts rating.
| Analysts Target Price | 78 | 29.1% |
P/E Trailing = 452.0
P/E Forward = 57.1429
P/S = 2.0316
P/B = 1.6222
Revenue TTM = 6.09b USD
EBIT TTM = 468.4m USD
EBITDA TTM = 1.78b 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 = 19.5b USD (12.4b + 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 19.5b / FCF TTM 6.19m)
FCF Yield = 0.03% (FCF TTM 6.19m / Enterprise Value 19.5b)
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 = 0.90 (Enterprise Value 19.5b / 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 = 4.01 (Net Debt 7.13b / EBITDA 1.78b)
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 = 5.94% (E(12.4b)/V(22.9b) * Re(8.80%) + D(10.6b)/V(22.9b) * Rd(3.62%) * (1-Tc(0.28)))
Discount Rate = 8.80% (= 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=N/A | Revisions=+0% | Analysts=1
EPS next Quarter (2026-12-31): EPS=0.12 | Chg30d=N/A | Revisions=+0% | Analysts=1
EPS current Year (2027-03-31): EPS=1.12 | Chg30d=N/A | Revisions=-25% | GrowthEPS=+0.0% | GrowthRev=+4.4%
EPS next Year (2028-03-31): EPS=2.20 | Chg30d=N/A | Revisions=+0% | GrowthEPS=+96.4% | GrowthRev=+5.2%