U-HAUL HOLDING CO (UHAL) Stock Fundamental Analysis
NYSE:UHAL - New York Stock Exchange, Inc. - US0235861004 - Common Stock - Currency: USD
Taking everything into account, UHAL scores 2 out of 10 in our fundamental rating. UHAL was compared to 40 industry peers in the Ground Transportation industry. There are concerns on the financial health of UHAL while its profitability can be described as average. UHAL is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
UHAL had positive earnings in the past year.
UHAL had a positive operating cash flow in the past year.
UHAL had positive earnings in each of the past 5 years.
UHAL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.79%, UHAL is in line with its industry, outperforming 45.00% of the companies in the same industry.
UHAL has a Return On Equity of 4.90%. This is comparable to the rest of the industry: UHAL outperforms 47.50% of its industry peers.
UHAL's Return On Invested Capital of 2.96% is in line compared to the rest of the industry. UHAL outperforms 45.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for UHAL is below the industry average of 8.58%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.79% | ||
| ROE | 4.9% | ||
| ROIC | 2.96% |
ROA(3y)3.39%
ROA(5y)4.17%
ROE(3y)9.27%
ROE(5y)11.9%
ROIC(3y)4.65%
ROIC(5y)5.52%
1.3 Margins
UHAL has a better Profit Margin (6.30%) than 72.50% of its industry peers.
In the last couple of years the Profit Margin of UHAL has declined.
UHAL has a Operating Margin of 12.56%. This is in the better half of the industry: UHAL outperforms 77.50% of its industry peers.
UHAL's Operating Margin has declined in the last couple of years.
UHAL has a Gross Margin (36.65%) which is comparable to the rest of the industry.
In the last couple of years the Gross Margin of UHAL has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.56% | ||
| PM (TTM) | 6.3% | ||
| GM | 36.65% |
OM growth 3Y-23.98%
OM growth 5Y-1.52%
PM growth 3Y-31.47%
PM growth 5Y-10.73%
GM growth 3Y-7.02%
GM growth 5Y-0.86%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so UHAL is destroying value.
The number of shares outstanding for UHAL remains at a similar level compared to 1 year ago.
Compared to 5 years ago, UHAL has more shares outstanding
The debt/assets ratio for UHAL is higher compared to a year ago.
2.2 Solvency
UHAL has an Altman-Z score of 1.48. This is a bad value and indicates that UHAL is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 1.48, UHAL is not doing good in the industry: 67.50% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.96 indicates that UHAL is somewhat dependend on debt financing.
UHAL's Debt to Equity ratio of 0.96 is on the low side compared to the rest of the industry. UHAL is outperformed by 67.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.96 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.48 |
ROIC/WACC0.34
WACC8.81%
2.3 Liquidity
A Current Ratio of 0.80 indicates that UHAL may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.80, UHAL is doing worse than 75.00% of the companies in the same industry.
A Quick Ratio of 0.71 indicates that UHAL may have some problems paying its short term obligations.
UHAL's Quick ratio of 0.71 is on the low side compared to the rest of the industry. UHAL is outperformed by 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.8 | ||
| Quick Ratio | 0.71 |
3. Growth
3.1 Past
UHAL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -78.59%.
UHAL shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -40.34% yearly.
The Revenue has been growing slightly by 3.61% in the past year.
The Revenue has been growing slightly by 7.93% on average over the past years.
EPS 1Y (TTM)-78.59%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-820%
Revenue 1Y (TTM)3.61%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%4.61%
3.2 Future
UHAL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 36.73% yearly.
Based on estimates for the next years, UHAL will show a small growth in Revenue. The Revenue will grow by 3.49% on average per year.
EPS Next Y37.25%
EPS Next 2Y29.5%
EPS Next 3Y36.73%
EPS Next 5YN/A
Revenue Next Year5.47%
Revenue Next 2Y5.2%
Revenue Next 3Y3.49%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 36.14, UHAL can be considered very expensive at the moment.
UHAL's Price/Earnings ratio is in line with the industry average.
UHAL is valuated rather expensively when we compare the Price/Earnings ratio to 27.21, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 26.33, which means the current valuation is very expensive for UHAL.
UHAL's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of UHAL to the average of the S&P500 Index (21.70), we can say UHAL is valued slightly more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 36.14 | ||
| Fwd PE | 26.33 |
4.2 Price Multiples
UHAL's Enterprise Value to EBITDA ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.7 |
4.3 Compensation for Growth
UHAL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as UHAL's earnings are expected to grow with 36.73% in the coming years.
PEG (NY)0.97
PEG (5Y)N/A
EPS Next 2Y29.5%
EPS Next 3Y36.73%
5. Dividend
5.1 Amount
No dividends for UHAL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:UHAL (7/2/2025, 3:23:22 PM)
61.44
+0.15 (+0.24%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)
Earnings (Next)
Inst Owners37.88%
Inst Owner Change-5.86%
Ins Owners6.66%
Ins Owner Change0%
Market Cap12.05B
Analysts45.71
Price Target92.32 (50.26%)
Short Float %12.13%
Short Ratio8.48
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.18
Dividend Growth(5Y)-34.3%
DP9.61%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-102%
Min EPS beat(2)-165.28%
Max EPS beat(2)-38.73%
EPS beat(4)0
Avg EPS beat(4)-65.48%
Min EPS beat(4)-165.28%
Max EPS beat(4)-25.49%
EPS beat(8)1
Avg EPS beat(8)6.23%
EPS beat(12)3
Avg EPS beat(12)74.36%
EPS beat(16)5
Avg EPS beat(16)61.94%
Revenue beat(2)2
Avg Revenue beat(2)4.95%
Min Revenue beat(2)0.55%
Max Revenue beat(2)9.35%
Revenue beat(4)2
Avg Revenue beat(4)1.17%
Min Revenue beat(4)-3.6%
Max Revenue beat(4)9.35%
Revenue beat(8)2
Avg Revenue beat(8)-0.63%
Revenue beat(12)3
Avg Revenue beat(12)-2.06%
Revenue beat(16)6
Avg Revenue beat(16)-0.35%
PT rev (1m)15.41%
PT rev (3m)18.94%
EPS NQ rev (1m)-19.29%
EPS NQ rev (3m)-19.29%
EPS NY rev (1m)-37.5%
EPS NY rev (3m)-35.74%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.67%
Revenue NY rev (3m)3.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 36.14 | ||
| Fwd PE | 26.33 | ||
| P/S | 2.07 | ||
| P/FCF | N/A | ||
| P/OCF | 8.28 | ||
| P/B | 1.61 | ||
| P/tB | 1.61 | ||
| EV/EBITDA | 10.7 |
EPS(TTM)1.7
EY2.77%
EPS(NY)2.33
Fwd EY3.8%
FCF(TTM)-10.19
FCFYN/A
OCF(TTM)7.42
OCFY12.07%
SpS29.73
BVpS38.24
TBVpS38.24
PEG (NY)0.97
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.79% | ||
| ROE | 4.9% | ||
| ROCE | 3.9% | ||
| ROIC | 2.96% | ||
| ROICexc | 3.13% | ||
| ROICexgc | 3.16% | ||
| OM | 12.56% | ||
| PM (TTM) | 6.3% | ||
| GM | 36.65% | ||
| FCFM | N/A |
ROA(3y)3.39%
ROA(5y)4.17%
ROE(3y)9.27%
ROE(5y)11.9%
ROIC(3y)4.65%
ROIC(5y)5.52%
ROICexc(3y)5.17%
ROICexc(5y)6.28%
ROICexgc(3y)5.21%
ROICexgc(5y)6.33%
ROCE(3y)6.13%
ROCE(5y)7.28%
ROICexcg growth 3Y-31.35%
ROICexcg growth 5Y-2.92%
ROICexc growth 3Y-31.38%
ROICexc growth 5Y-2.92%
OM growth 3Y-23.98%
OM growth 5Y-1.52%
PM growth 3Y-31.47%
PM growth 5Y-10.73%
GM growth 3Y-7.02%
GM growth 5Y-0.86%
F-Score3
Asset Turnover0.28
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.96 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 4.22 | ||
| Cap/Depr | 355.22% | ||
| Cap/Sales | 59.23% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 85.36% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.8 | ||
| Quick Ratio | 0.71 | ||
| Altman-Z | 1.48 |
F-Score3
WACC8.81%
ROIC/WACC0.34
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)-78.59%
EPS 3Y-69.04%
EPS 5Y-40.34%
EPS Q2Q%-820%
EPS Next Y37.25%
EPS Next 2Y29.5%
EPS Next 3Y36.73%
EPS Next 5YN/A
Revenue 1Y (TTM)3.61%
Revenue growth 3Y0.51%
Revenue growth 5Y7.93%
Sales Q2Q%4.61%
Revenue Next Year5.47%
Revenue Next 2Y5.2%
Revenue Next 3Y3.49%
Revenue Next 5YN/A
EBIT growth 1Y-25.75%
EBIT growth 3Y-23.59%
EBIT growth 5Y6.3%
EBIT Next Year161.11%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-29.73%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y0.12%
OCF growth 3Y-9.25%
OCF growth 5Y6.22%