(UHAL) U-Haul Holding - Ratings and Ratios

U-Haul Holding Company (NYSE:UHAL) is a leading player in the do-it-yourself moving and storage industry, serving both household and commercial customers across the United States and Canada. The company’s core Moving and Storage segment offers a wide range of rental equipment, including trucks, trailers, portable storage units, and towing devices, complemented by a variety of moving supplies like boxes, locks, and propane. This segment operates through an extensive network of approximately 2,300 company-owned retail locations and 21,000 independent U-Haul dealers, providing unmatched accessibility to customers. The company also maintains a substantial rental fleet, with around 188,700 trucks, 139,400 trailers, and 43,700 towing devices, ensuring it can meet the demands of a large and diverse customer base. Additionally, U-Haul’s self-storage operations include 1,962 facilities with over 1 million rentable units, making it a significant player in the self-storage market.

Beyond its physical offerings, U-Haul has invested in digital platforms to enhance customer convenience. The company’s online marketplace, accessible through uhaul.com, connects consumers with independent Moving Help providers and self-storage affiliates, streamlining the moving process. This digital presence is complemented by specialty offerings such as auto transport services, tow dolly options, and a range of protective packaging solutions tailored for sensitive items like electronics and flat-screen TVs. These value-added services not only enhance the customer experience but also contribute to the company’s revenue streams.

U-Haul’s Property and Casualty Insurance segment further diversifies its operations, offering a suite of protection packages designed to mitigate risks for customers. Products like Safemove, Safetow, and Safestor provide coverage for damages, losses, and medical expenses, while Safemove Plus adds an extra layer of liability protection for renters. These insurance offerings not only provide peace of mind for customers but also create an additional revenue stream for the company. The Life Insurance segment rounds out U-Haul’s product portfolio, focusing on life, health, and annuity policies primarily targeted at the senior market. This segment operates through direct writing and reinsurance arrangements, further diversifying the company’s income streams.

With a market capitalization of approximately $11.98 billion, U-Haul Holding Company is a sizable player in its industry. The company’s financial health is reflected in its current P/E ratio of 33.43 and a forward P/E of 36.10, indicating investor confidence in its growth prospects. Its price-to-book ratio of 1.77 and price-to-sales ratio of 2.12 provide additional insights into its valuation. Originally founded in 1945 as AMERCO, U-Haul has grown into a multifaceted enterprise with a strong presence in the moving and