U-HAUL HOLDING CO (UHAL) Stock Fundamental Analysis
NYSE:UHAL - New York Stock Exchange, Inc. - US0235861004 - Common Stock - Currency: USD
We assign a fundamental rating of 2 out of 10 to UHAL. UHAL was compared to 40 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. While showing a medium growth rate, UHAL is valued expensive at the moment.
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.
Looking at the Return On Equity, with a value of 4.90%, UHAL is in line with its industry, outperforming 47.50% of the companies in the same industry.
UHAL has a Return On Invested Capital (2.96%) which is in line with its industry peers.
UHAL had an Average Return On Invested Capital over the past 3 years of 4.65%. This 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
Looking at the Profit Margin, with a value of 6.30%, UHAL is in the better half of the industry, outperforming 72.50% of the companies in the same industry.
UHAL's Profit Margin has declined in the last couple of years.
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.
With a Gross Margin value of 36.65%, UHAL perfoms like the industry average, outperforming 47.50% of the companies in the same 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), UHAL is destroying value.
UHAL has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, UHAL has more shares outstanding
UHAL has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.50, we must say that UHAL is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of UHAL (1.50) is worse than 67.50% of its industry peers.
A Debt/Equity ratio of 0.96 indicates that UHAL is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.96, UHAL is doing worse than 67.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.96 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.5 |
ROIC/WACC0.33
WACC8.91%
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.
UHAL has a Quick Ratio of 0.80. This is a bad value and indicates that UHAL is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.71, UHAL is not doing good in the industry: 80.00% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.8 | ||
| Quick Ratio | 0.71 |
3. Growth
3.1 Past
The earnings per share for UHAL have decreased strongly by -78.59% 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 3.61%.
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
The Earnings Per Share is expected to grow by 36.73% on average over the next years. This is a very strong growth
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 37.23, the valuation of UHAL can be described as expensive.
The rest of the industry has a similar Price/Earnings ratio as UHAL.
UHAL's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 27.69.
Based on the Price/Forward Earnings ratio of 27.13, the valuation of UHAL can be described as expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UHAL is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 37.36. UHAL is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.23 | ||
| Fwd PE | 27.13 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as UHAL.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 10.94 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
UHAL's earnings are expected to grow with 36.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)1
PEG (5Y)N/A
EPS Next 2Y29.5%
EPS Next 3Y36.73%
5. Dividend
5.1 Amount
UHAL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:UHAL (7/24/2025, 3:17:50 PM)
63.29
-0.09 (-0.14%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupTransportation
GICS IndustryGround Transportation
Earnings (Last)
Earnings (Next)
Inst Owners37.88%
Inst Owner Change11.28%
Ins Owners6.66%
Ins Owner Change0%
Market Cap12.41B
Analysts45.71
Price Target92.32 (45.87%)
Short Float %10.34%
Short Ratio6.09
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)16.34%
PT rev (3m)18.94%
EPS NQ rev (1m)-10.57%
EPS NQ rev (3m)-27.82%
EPS NY rev (1m)0%
EPS NY rev (3m)-37.5%
Revenue NQ rev (1m)-1.02%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.23 | ||
| Fwd PE | 27.13 | ||
| P/S | 2.13 | ||
| P/FCF | N/A | ||
| P/OCF | 8.53 | ||
| P/B | 1.66 | ||
| P/tB | 1.66 | ||
| EV/EBITDA | 10.94 |
EPS(TTM)1.7
EY2.69%
EPS(NY)2.33
Fwd EY3.69%
FCF(TTM)-10.19
FCFYN/A
OCF(TTM)7.42
OCFY11.72%
SpS29.73
BVpS38.24
TBVpS38.24
PEG (NY)1
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 | 1.5 |
F-Score3
WACC8.91%
ROIC/WACC0.33
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%