(UHAL-B) U-Haul Holding - Overview
Sector: Industrials | Industry: Rental & Leasing Services | Exchange: NYSE (USA) | Market Cap: 9.961m USD | Total Return: -7.4% in 12m
Avg Turnover: 16.5M
Qual. Beats: 0
Rev. Trend: 72.5%
Qual. Beats: 0
Warnings
P/E ratio 216.0
High Debt while negative Cash Flow
Extended 1w
Tailwinds
Tailwind, Pullback 52w
U-Haul Holding Company is a diversified provider of do-it-yourself moving and storage services 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 the rental of trucks, trailers, and self-storage units, supported by a vast network of company-owned retail stores and independent dealers.
The company leverages a high-utilization rental model, maximizing the lifecycle of its fleet through in-house maintenance and a secondary market for specialized moving supplies and propane. In the self-storage sector, U-Haul benefits from high consumer switching costs and fragmented competition, often integrating storage facilities directly with its truck rental hubs to capture multi-service customers.
Beyond physical equipment, U-Haul provides specialized insurance products tailored to the moving process, including damage waivers and cargo protection. The company also maintains a presence in the senior financial services market by underwriting Medicare supplement and annuity policies. Investors seeking deeper insights into these diversified revenue streams can find comprehensive data on ValueRay.
Founded in 1945 and formerly known as AMERCO, the company utilizes an online marketplace to connect consumers with independent moving labor and storage affiliates. This hybrid approach allows U-Haul to scale its geographic reach without the capital intensity of owning every service location.
- Domestic migration trends and housing turnover drive core truck rental transaction volume
- Aggressive self-storage facility expansion increases long-term recurring revenue and asset value
- High interest rates and inflation pressure fleet maintenance costs and consumer disposal income
- Insurance segment underwriting margins fluctuate based on rental volume and claims frequency
- Strategic investments in fleet modernization impact capital expenditure and free cash flow levels
| 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: 1.18 > 6 (EBITDA TTM 1.62b / Interest Expense TTM 366.3m) |
| 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 52.02 with a total of 560,583 shares traded.
Over the past week, the price has changed by +11.06%,
over one month by +9.86%,
over three months by +10.43% and
over the past year by -7.36%.
U-Haul Holding has no consensus analysts rating.
| Analysts Target Price | 78 | 49.9% |
P/E Trailing = 216.0417
P/E Forward = 67.1141
P/S = 1.6603
P/B = 1.2941
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 = 16.9b USD (9.96b + Debt 10.5b - CCE 3.54b)
Interest Coverage Ratio = 1.18 (Ebit TTM 432.6m / Interest Expense TTM 366.3m)
EV/FCF = -3.77x (Enterprise Value 16.9b / FCF TTM -4.48b)
FCF Yield = -26.52% (FCF TTM -4.48b / Enterprise Value 16.9b)
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 = 0.79 (Enterprise Value 16.9b / Total Assets 21.5b)
Interest Expense / Debt = 3.50% (Interest Expense 366.3m / 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 = 1.62% (NOPAT 341.8m / Invested Capital 21.1b)
WACC = 6.10% (E(9.96b)/V(20.4b) * Re(9.61%) + D(10.5b)/V(20.4b) * Rd(3.50%) * (1-Tc(0.21)))
Discount Rate = 9.61% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 0.0 | Cagr: 0.0%
[DCF] Fair Price = unknown (Cash Flow -4.48b)
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