(UHAL) U-Haul Holding - Overview
Stock: Trucks, Trailers, Storage, Insurance, Supplies
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 51.2% |
| Relative Tail Risk | -8.68% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.08 |
| Alpha | -43.99 |
| Character TTM | |
|---|---|
| Beta | 0.835 |
| Beta Downside | 0.845 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.81% |
| CAGR/Max DD | -0.22 |
Description: UHAL U-Haul Holding January 02, 2026
U-Haul Holding Company (NYSE: UHAL) operates a DIY moving and storage network across the United States and Canada, organized into three segments: Moving & Storage, Property & Casualty Insurance, and Life Insurance. The core offering includes rentals of trucks, trailers, U-Box portable units, and self-storage spaces, supplemented by moving supplies, specialty boxes, and an online marketplace (uhaul.com) that links customers to independent moving-help providers and storage affiliates.
Key performance indicators that signal the company’s health include FY 2023 revenue of approximately $2.5 billion, an adjusted EBITDA margin near 15 %, and a fleet of over 180,000 trucks and trailers. Demand is highly correlated with macro-level housing activity-U-HAL’s rental volume typically rises 8-10 % in quarters when U.S. housing starts exceed 1.5 million units, while fuel price volatility can compress margins on its truck-rental business. The insurance segments contribute roughly 12 % of total earnings and provide a modest diversification benefit, though they are sensitive to underwriting loss ratios and senior-market health-care cost trends.
For a deeper quantitative assessment, consult ValueRay’s detailed valuation model and scenario analysis.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: 197.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.08 > 0.02 and ΔFCF/TA 0.23 > 1.0 |
| NWC/Revenue: 14.34% < 20% (prev 17.42%; Δ -3.08% < -1%) |
| CFO/TA 0.08 > 3% & CFO 1.62b > Net Income 197.5m |
| Net Debt (6.65b) to EBITDA (1.72b): 3.86 < 3 |
| Current Ratio: 1.96 > 1.5 & < 3 |
| Outstanding Shares: last quarter (196.1m) vs 12m ago 0.0% < -2% |
| Gross Margin: 46.79% > 18% (prev 0.86%; Δ 4593 % > 0.5%) |
| Asset Turnover: 28.74% > 50% (prev 28.03%; Δ 0.71% > 0%) |
| Interest Coverage Ratio: 1.89 > 6 (EBITDA TTM 1.72b / Interest Expense TTM 331.7m) |
Altman Z'' 2.32
| A: 0.04 (Total Current Assets 1.75b - Total Current Liabilities 894.1m) / Total Assets 21.43b |
| B: 0.38 (Retained Earnings 8.16b / Total Assets 21.43b) |
| C: 0.03 (EBIT TTM 626.7m / Avg Total Assets 20.78b) |
| D: 0.58 (Book Value of Equity 7.98b / Total Liabilities 13.66b) |
| Altman-Z'' Score: 2.32 = BBB |
Beneish M -2.50
| DSRI: 0.61 (Receivables 175.6m/271.8m, Revenue 5.97b/5.64b) |
| GMI: 1.84 (GM 46.79% / 85.88%) |
| AQI: 1.20 (AQ_t 0.17 / AQ_t-1 0.14) |
| SGI: 1.06 (Revenue 5.97b / 5.64b) |
| TATA: -0.07 (NI 197.5m - CFO 1.62b) / TA 21.43b) |
| Beneish M-Score: -2.50 (Cap -4..+1) = BBB |
What is the price of UHAL shares?
Over the past week, the price has changed by -11.72%, over one month by -6.46%, over three months by -5.99% and over the past year by -29.23%.
Is UHAL a buy, sell or hold?
- StrongBuy: 0
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the UHAL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 80.5 | 61.2% |
| Analysts Target Price | 80.5 | 61.2% |
| ValueRay Target Price | 47 | -5.9% |
UHAL Fundamental Data Overview February 03, 2026
P/E Forward = 107.5269
P/S = 1.7988
P/B = 1.4004
Revenue TTM = 5.97b USD
EBIT TTM = 626.7m USD
EBITDA TTM = 1.72b USD
Long Term Debt = 5.47b USD (from longTermDebt, last quarter)
Short Term Debt = 24.4m USD (from shortTermDebt, last quarter)
Debt = 7.74b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 6.65b USD (from netDebt column, last quarter)
Enterprise Value = 17.40b USD (10.74b + Debt 7.74b - CCE 1.08b)
Interest Coverage Ratio = 1.89 (Ebit TTM 626.7m / Interest Expense TTM 331.7m)
EV/FCF = -9.56x (Enterprise Value 17.40b / FCF TTM -1.82b)
FCF Yield = -10.46% (FCF TTM -1.82b / Enterprise Value 17.40b)
FCF Margin = -30.47% (FCF TTM -1.82b / Revenue TTM 5.97b)
Net Margin = 3.31% (Net Income TTM 197.5m / Revenue TTM 5.97b)
Gross Margin = 46.79% ((Revenue TTM 5.97b - Cost of Revenue TTM 3.18b) / Revenue TTM)
Gross Margin QoQ = 15.44% (prev 17.34%)
Tobins Q-Ratio = 0.81 (Enterprise Value 17.40b / Total Assets 21.43b)
Interest Expense / Debt = 1.17% (Interest Expense 90.9m / Debt 7.74b)
Taxrate = 22.93% (31.4m / 137.0m)
NOPAT = 482.9m (EBIT 626.7m * (1 - 22.93%))
Current Ratio = 1.96 (Total Current Assets 1.75b / Total Current Liabilities 894.1m)
Debt / Equity = 1.00 (Debt 7.74b / totalStockholderEquity, last quarter 7.77b)
Debt / EBITDA = 3.86 (Net Debt 6.65b / EBITDA 1.72b)
Debt / FCF = -3.66 (negative FCF - burning cash) (Net Debt 6.65b / FCF TTM -1.82b)
Total Stockholder Equity = 7.64b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.95% (Net Income 197.5m / Total Assets 21.43b)
RoE = 2.58% (Net Income TTM 197.5m / Total Stockholder Equity 7.64b)
RoCE = 4.78% (EBIT 626.7m / Capital Employed (Equity 7.64b + L.T.Debt 5.47b))
RoIC = 3.76% (NOPAT 482.9m / Invested Capital 12.83b)
WACC = 5.61% (E(10.74b)/V(18.48b) * Re(8.99%) + D(7.74b)/V(18.48b) * Rd(1.17%) * (1-Tc(0.23)))
Discount Rate = 8.99% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
Fair Price DCF = unknown (Cash Flow -1.82b)
EPS Correlation: -76.21 | EPS CAGR: -45.48% | SUE: -0.09 | # QB: 0
Revenue Correlation: 18.08 | Revenue CAGR: 5.55% | SUE: -0.17 | # QB: 0
EPS next Year (2027-03-31): EPS=0.53 | Chg30d=-0.190 | Revisions Net=+0 | Growth EPS=-4.2% | Growth Revenue=+4.2%