U-HAUL HOLDING CO (UHAL) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:UHAL • US0235861004

57.53 USD
+0.32 (+0.56%)
At close: Feb 3, 2026
57.53 USD
0 (0%)
After Hours: 2/3/2026, 8:04:00 PM
Fundamental Rating

2

Overall UHAL gets a fundamental rating of 2 out of 10. We evaluated UHAL against 42 industry peers in the Ground Transportation industry. While UHAL is still in line with the averages on profitability rating, there are concerns on its financial health. UHAL is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year UHAL was profitable.
  • In the past year UHAL had a positive cash flow from operations.
  • UHAL had positive earnings in each of the past 5 years.
  • Each year in the past 5 years UHAL had a positive operating cash flow.
UHAL Yearly Net Income VS EBIT VS OCF VS FCFUHAL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 1B -1B

1.2 Ratios

  • UHAL's Return On Assets of 1.09% is in line compared to the rest of the industry. UHAL outperforms 47.62% of its industry peers.
  • The Return On Equity of UHAL (3.00%) is comparable to the rest of the industry.
  • UHAL's Return On Invested Capital of 2.60% is in line compared to the rest of the industry. UHAL outperforms 50.00% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for UHAL is below the industry average of 6.88%.
Industry RankSector Rank
ROA 1.09%
ROE 3%
ROIC 2.6%
ROA(3y)3.39%
ROA(5y)4.17%
ROE(3y)9.27%
ROE(5y)11.9%
ROIC(3y)4.63%
ROIC(5y)5.51%
UHAL Yearly ROA, ROE, ROICUHAL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • UHAL has a better Profit Margin (3.90%) than 66.67% of its industry peers.
  • In the last couple of years the Profit Margin of UHAL has declined.
  • UHAL has a better Operating Margin (11.24%) than 76.19% of its industry peers.
  • UHAL's Operating Margin has declined in the last couple of years.
  • UHAL's Gross Margin of 36.97% is in line compared to the rest of the industry. UHAL outperforms 50.00% of its industry peers.
  • In the last couple of years the Gross Margin of UHAL has remained more or less at the same level.
Industry RankSector Rank
OM 11.24%
PM (TTM) 3.9%
GM 36.97%
OM growth 3Y-24.46%
OM growth 5Y-1.89%
PM growth 3Y-31.47%
PM growth 5Y-10.73%
GM growth 3Y-7.02%
GM growth 5Y-0.86%
UHAL Yearly Profit, Operating, Gross MarginsUHAL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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0

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UHAL is destroying value.
  • Compared to 1 year ago, UHAL has about the same amount of shares outstanding.
  • UHAL has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for UHAL is higher compared to a year ago.
UHAL Yearly Shares OutstandingUHAL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
UHAL Yearly Total Debt VS Total AssetsUHAL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

2.2 Solvency

  • UHAL has an Altman-Z score of 1.39. This is a bad value and indicates that UHAL is not financially healthy and even has some risk of bankruptcy.
  • UHAL has a worse Altman-Z score (1.39) than 66.67% of its industry peers.
  • UHAL has a Debt/Equity ratio of 0.99. This is a neutral value indicating UHAL is somewhat dependend on debt financing.
  • UHAL has a worse Debt to Equity ratio (0.99) than 64.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.99
Debt/FCF N/A
Altman-Z 1.39
ROIC/WACC0.27
WACC9.52%
UHAL Yearly LT Debt VS Equity VS FCFUHAL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B 6B

2.3 Liquidity

  • UHAL has a Current Ratio of 0.79. This is a bad value and indicates that UHAL is not financially healthy enough and could expect problems in meeting its short term obligations.
  • UHAL has a worse Current ratio (0.79) than 76.19% of its industry peers.
  • A Quick Ratio of 0.69 indicates that UHAL may have some problems paying its short term obligations.
  • UHAL has a worse Quick ratio (0.69) than 85.71% of its industry peers.
Industry RankSector Rank
Current Ratio 0.79
Quick Ratio 0.69
UHAL Yearly Current Assets VS Current LiabilitesUHAL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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4

3. Growth

3.1 Past

  • The earnings per share for UHAL have decreased strongly by -85.30% in the last year.
  • The earnings per share for UHAL have been decreasing by -40.34% on average. This is quite bad
  • UHAL shows a small growth in Revenue. In the last year, the Revenue has grown by 5.86%.
  • Measured over the past years, UHAL shows a small growth in Revenue. The Revenue has been growing by 7.93% on average per year.
EPS 1Y (TTM)-85.3%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-46.15%
Revenue 1Y (TTM)5.86%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%3.73%

3.2 Future

  • The Earnings Per Share is expected to grow by 28.06% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 3.53% on average over the next years.
EPS Next Y-53.6%
EPS Next 2Y-24.37%
EPS Next 3Y28.06%
EPS Next 5YN/A
Revenue Next Year6.57%
Revenue Next 2Y5.38%
Revenue Next 3Y3.53%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
UHAL Yearly Revenue VS EstimatesUHAL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B
UHAL Yearly EPS VS EstimatesUHAL Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20 40 60

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1

4. Valuation

4.1 Price/Earnings Ratio

  • UHAL is valuated quite expensively with a Price/Earnings ratio of 56.96.
  • UHAL's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 28.18. UHAL is valued rather expensively when compared to this.
  • A Price/Forward Earnings ratio of 59.16 indicates a quite expensive valuation of UHAL.
  • 61.90% of the companies in the same industry are cheaper than UHAL, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of UHAL to the average of the S&P500 Index (25.51), we can say UHAL is valued expensively.
Industry RankSector Rank
PE 56.96
Fwd PE 59.16
UHAL Price Earnings VS Forward Price EarningsUHAL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of UHAL indicates a somewhat cheap valuation: UHAL is cheaper than 73.81% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 10.14
UHAL Per share dataUHAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30

4.3 Compensation for Growth

  • UHAL's earnings are expected to grow with 28.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-24.37%
EPS Next 3Y28.06%

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0

5. Dividend

5.1 Amount

  • UHAL does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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U-HAUL HOLDING CO

NYSE:UHAL (2/3/2026, 8:04:00 PM)

After market: 57.53 0 (0%)

57.53

+0.32 (+0.56%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)11-05
Earnings (Next)02-04
Inst Owners39.31%
Inst Owner Change-6.56%
Ins Owners6.68%
Ins Owner Change0%
Market Cap11.28B
Revenue(TTM)5.97B
Net Income(TTM)232.76M
Analysts77.78
Price Target78.77 (36.92%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.18
Dividend Growth(5Y)-34.3%
DP15.16%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-28.14%
Min EPS beat(2)-29.01%
Max EPS beat(2)-27.27%
EPS beat(4)0
Avg EPS beat(4)-65.07%
Min EPS beat(4)-165.28%
Max EPS beat(4)-27.27%
EPS beat(8)1
Avg EPS beat(8)1.76%
EPS beat(12)4
Avg EPS beat(12)137.17%
EPS beat(16)4
Avg EPS beat(16)98.59%
Revenue beat(2)0
Avg Revenue beat(2)-1.7%
Min Revenue beat(2)-2.39%
Max Revenue beat(2)-1%
Revenue beat(4)2
Avg Revenue beat(4)1.63%
Min Revenue beat(4)-2.39%
Max Revenue beat(4)9.35%
Revenue beat(8)2
Avg Revenue beat(8)-0.24%
Revenue beat(12)2
Avg Revenue beat(12)-1.64%
Revenue beat(16)4
Avg Revenue beat(16)-1.85%
PT rev (1m)-2.28%
PT rev (3m)-13.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)57.14%
EPS NY rev (1m)57.82%
EPS NY rev (3m)28.89%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.03%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)3.41%
Valuation
Industry RankSector Rank
PE 56.96
Fwd PE 59.16
P/S 1.89
P/FCF N/A
P/OCF 6.96
P/B 1.45
P/tB 1.45
EV/EBITDA 10.14
EPS(TTM)1.01
EY1.76%
EPS(NY)0.97
Fwd EY1.69%
FCF(TTM)-9.28
FCFYN/A
OCF(TTM)8.26
OCFY14.36%
SpS30.46
BVpS39.62
TBVpS39.62
PEG (NY)N/A
PEG (5Y)N/A
Graham Number30
Profitability
Industry RankSector Rank
ROA 1.09%
ROE 3%
ROCE 3.42%
ROIC 2.6%
ROICexc 2.75%
ROICexgc 2.77%
OM 11.24%
PM (TTM) 3.9%
GM 36.97%
FCFM N/A
ROA(3y)3.39%
ROA(5y)4.17%
ROE(3y)9.27%
ROE(5y)11.9%
ROIC(3y)4.63%
ROIC(5y)5.51%
ROICexc(3y)5.15%
ROICexc(5y)6.27%
ROICexgc(3y)5.19%
ROICexgc(5y)6.32%
ROCE(3y)6.11%
ROCE(5y)7.27%
ROICexgc growth 3Y-31.79%
ROICexgc growth 5Y-3.29%
ROICexc growth 3Y-31.82%
ROICexc growth 5Y-3.29%
OM growth 3Y-24.46%
OM growth 5Y-1.89%
PM growth 3Y-31.47%
PM growth 5Y-10.73%
GM growth 3Y-7.02%
GM growth 5Y-0.86%
F-Score4
Asset Turnover0.28
Health
Industry RankSector Rank
Debt/Equity 0.99
Debt/FCF N/A
Debt/EBITDA 4.38
Cap/Depr 316.47%
Cap/Sales 57.6%
Interest Coverage 250
Cash Conversion 92.16%
Profit Quality N/A
Current Ratio 0.79
Quick Ratio 0.69
Altman-Z 1.39
F-Score4
WACC9.52%
ROIC/WACC0.27
Cap/Depr(3y)364.1%
Cap/Depr(5y)323.19%
Cap/Sales(3y)52.96%
Cap/Sales(5y)45.57%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-85.3%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-46.15%
EPS Next Y-53.6%
EPS Next 2Y-24.37%
EPS Next 3Y28.06%
EPS Next 5YN/A
Revenue 1Y (TTM)5.86%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%3.73%
Revenue Next Year6.57%
Revenue Next 2Y5.38%
Revenue Next 3Y3.53%
Revenue Next 5YN/A
EBIT growth 1Y-13.44%
EBIT growth 3Y-24.07%
EBIT growth 5Y5.9%
EBIT Next Year133.39%
EBIT Next 3Y35.36%
EBIT Next 5YN/A
FCF growth 1Y-15.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y9.56%
OCF growth 3Y-9.25%
OCF growth 5Y6.22%

U-HAUL HOLDING CO / UHAL FAQ

What is the ChartMill fundamental rating of U-HAUL HOLDING CO (UHAL) stock?

ChartMill assigns a fundamental rating of 2 / 10 to UHAL.


What is the valuation status of U-HAUL HOLDING CO (UHAL) stock?

ChartMill assigns a valuation rating of 1 / 10 to U-HAUL HOLDING CO (UHAL). This can be considered as Overvalued.


How profitable is U-HAUL HOLDING CO (UHAL) stock?

U-HAUL HOLDING CO (UHAL) has a profitability rating of 4 / 10.


What is the financial health of U-HAUL HOLDING CO (UHAL) stock?

The financial health rating of U-HAUL HOLDING CO (UHAL) is 0 / 10.


What is the earnings growth outlook for U-HAUL HOLDING CO?

The Earnings per Share (EPS) of U-HAUL HOLDING CO (UHAL) is expected to decline by -53.6% in the next year.