U-Haul Holding Co (UHAL)
Fair ValueFundamental
49
Price
$55.66
Market Cap
$10.84B
Part 1 · What the company is worth
Overview
U-Haul Holding Company operates as a do-it-yourself moving and storage operator for household and commercial goods in the United States and Canada. It operates through three segments: Moving and Storage, Property and Casualty Insurance, and Life Insurance. It rents trucks, trailers, fixed and portable moving and storage units, specialty rental items, and self-storage spaces primarily to the household movers; and sells moving supplies, towing accessories, and propane. The company provides uhaul.com, an online marketplace that connects consumers to independent moving help service providers and independent self-storage affiliates; auto transport and toy hauler, and tow dolly options to transport the vehicles; and specialty boxes for dishes, computers, flat screen television, tapes, security locks, and packing supplies. In addition, it rents self-moving products and services through a network of managed retail stores and independent U-Haul dealers, and rents equipment. Further, the company provides moving and storage protection packages, such as Safemove and Safetow packages, which offer moving and towing customers with a damage waiver, cargo protection, and medical and life insurance coverage; Safestor that protects storage and U-Box customers from loss on their goods in storage; Safehaul, which protect customers' belongings in transit through its U-Box portable moving and storage units; Safemove Plus, which provides rental customers with a layer of primary liability protection; Safetrip, a supplemental roadside protection for the customers equipment; and loss adjusting and claims handling services. Additionally, it offers life and health insurance products to senior market through direct writing and reinsuring of life insurance, Medicare supplement, and annuity policies. The company was formerly known as AMERCO and changed its name to U-Haul Holding Company in December 2022. U-Haul Holding Company was founded in 1945 and is based in Reno, Nevada.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$767M
Trailing 12 months (through 6/30/2026)
Net Income
$64M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$-1.36B
Total Equity
$7.61B
Total Liabilities
$13.89B
Current Ratio
0.80
Interest Coverage
1.12
Debt/EBITDA
10.77
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$55.58
Current Price
$55.66
Margin of Safety
-0.1%
Fair Value Range
$36.13 - $75.04
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
154.29
ROE
1.1%
P/B Ratio
0.14
P/FCF
-
Gross Margin
67.9%
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
7.2%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (8)
- EPS shows upward trend
- Gross margin 67.9%
- P/B ratio 0.14
- Debt/equity ratio
- Operating margin 55.5%
- Low reliance on intangibles
- Revenue growth 5Y 5.9%
- Earnings quality (operating cash flow / net income) 28.66
Failed (11)
- EPS CAGR 1.50%
- Price CAGR 4.23%
- Positive free cash flow
- Interest coverage
- Debt/EBITDA
- Return on tangible assets
- DCF valuation (Fairly Valued)
- ROE 0.8%
- Earnings surprise, average -53.6%
- Net margin trend 8.3% vs 41.7%
- Piotroski F-Score 3/9
Unavailable (8)
- ROIC –
- P/FCF –
- Dividend payout –
- CapEx intensity
- Current ratio
- Price below Graham Number
- PEG ratio (needs P/E > 0 and growth > 0)
- Share dilution (missing share count)
Piotroski F-Score
Serious financial concerns
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
No institutional filings reported for this company.
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Edward Joseph Shoen J.D. | Chairman of the Board, President & CEO | 76 |
| Mr. Jason Allen Berg | Chief Financial Officer | 52 |
| Mr. John Cary Taylor | President of U-Haul International Inc. | 67 |
| Mr. Douglas Marvin Bell | President of Repwest Insurance Company | 66 |
| Ms. Maria Lourdes Bell | Chief Accounting Officer | 55 |
| Mr. Sebastien Reyes | Director of Investor Relations | - |
| Ms. Kristine Kunkel Campbell | General Counsel | 49 |
| Mr. Matthew F. Braccia | President of Amerco Real Estate Company | 64 |
| Mr. Robert William Simmons MAAA | President of Oxford Life Insurance Company | 55 |
Audit Risk
4
Board Risk
10
Compensation Risk
4
Shareholder Rights Risk
10
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-05-27
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-05
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-08-24
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much UHAL moves, measured on its daily prices.
More volatile than 19% of the tracked stocks (90-day volatility).
- Volatility 30d
- 21.9%
- Volatility 90d
- 24.3%
- Beta vs S&P 500 (1y)
- 0.81Correlation 0.30
- Max drawdown (12m)
- -28.5%
- ATR (14d, % of price)
- 2.72%
Earnings reactions
How UHAL moved around its past quarterly results.
Next earnings release
Nov 4, 2026 · In 11 days · Time not known
EPS estimate: 0.77Revenue estimate: $1.8B
What usually happens
- Over the last 11 releases the stock moved a median of 2.2% the next day, up or down.
- Next-day moves: up 5, down 6 (out of 11).
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Aug 5, 2026 | After the close | 0.77 | 0.58 | -24.2% | +1.1% | +1.4% | +0.4% |
| May 27, 2026 | After the close | -0.69 | -0.70 | -0.9% | +1.4% | +13.5% | +5.8% |
| Feb 4, 2026 | After the close | -0.03 | -0.23 | -651.6% | -7.6% | -14.7% | -16.1% |
| Nov 5, 2025 | After the close | 0.69 | 0.49 | -29.0% | -0.1% | -0.6% | -1.5% |
| Aug 6, 2025 | After the close | n/a | n/a | n/a | +1.2% | +3.0% | +4.1% |
| May 28, 2025 | After the close | -0.17 | -0.46 | -165.3% | -0.4% | +1.5% | +1.5% |
| Feb 5, 2025 | After the close | n/a | n/a | n/a | +1.0% | -1.4% | +1.1% |
| Nov 6, 2024 | After the close | n/a | n/a | n/a | -1.2% | -2.2% | -6.9% |
| Aug 7, 2024 | After the close | n/a | n/a | n/a | -0.1% | +6.8% | +6.0% |
| May 29, 2024 | After the close | n/a | n/a | n/a | -2.9% | -1.0% | +4.1% |
| May 30, 2023 | After the close | n/a | n/a | n/a | -4.5% | -16.2% | -12.6% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on UHAL and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for UHAL.