U-Haul (UHAL) AI Stock Analysis

• Market Cap: $10.62B
• Dividend Yield: N/A
• Average Volume (3M): 124.22K
• Price to Earnings (P/E): 40.7
• Beta (1Y): 0.79
• Revenue Growth: 3.39%
• EPS Growth: -47.78%
• Country: US
• Employees: 17,836
• Sector: Industrials
• Sector Strength: 73
• Industry: Rental & Leasing Services
• EPS (TTM): 0.68
• Shares Outstanding: 19,607,788
• 10 Day Avg. Volume: 131,198
• 30 Day Avg. Volume: 124,222
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.72
• Enterprise Value/Revenue: 3.09
• Enterprise Value/Gross Profit: 4.62
• Enterprise Value/Ebitda: 10.40
• 1Y Price Target: $60.00
• Price Target Upside: 2.85% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 60 Neutral
• Price Target: $60.00 ▲(2.85% Upside)

U-Haul's stock score is primarily influenced by its strong financial performance and cash flow management. However, technical indicators suggest bearish momentum, and the high P/E ratio indicates overvaluation. Mixed earnings call results add to a cautious outlook.

U-Haul Business Overview & Revenue Model

Company Description

U-Haul is a renowned American moving equipment and storage rental company, operating primarily in the transportation and logistics sector. Founded in 1945, U-Haul provides a range of services including truck and trailer rentals, self-storage units, moving supplies, and various related services to both residential and commercial customers. The company operates a vast network of locations across the United States and Canada, making it a go-to solution for individuals and businesses looking to facilitate their moving and storage needs.

How the Company Makes Money

U-Haul generates revenue through several key streams. The primary source of income comes from the rental of trucks and trailers, where customers pay for the duration of their rental, based on mileage and time. Additionally, U-Haul earns significant revenue from self-storage rentals, charging monthly fees for storage unit access. The company also sells moving supplies such as boxes, packing materials, and locks, which contribute to its earnings. Furthermore, U-Haul benefits from ancillary services, including towing equipment rentals and moving labor assistance. The company has established partnerships with various local businesses and franchisees, expanding its reach and service offerings, which also supports its revenue generation. Seasonal demand fluctuations, particularly during peak moving seasons, further influence its earnings, as many customers seek moving solutions during summer months and around major holidays.

U-Haul Financial Statement Overview

Summary

U-Haul presents a solid financial foundation with strengths in operational efficiency and cash flow management. The income statement shows stable revenue growth, although profitability has been pressured. The balance sheet is stable but indicates rising leverage, and cash flow metrics have significantly improved, reflecting strong cash conversion and reduced capital expenditure needs.

Income Statement

U-Haul has demonstrated a solid revenue base with a gross profit margin of approximately 85.8% in 2025, reflecting efficient cost management. However, the net profit margin has decreased to 6.3% in 2025 from 11.2% in 2024, indicating pressures on bottom-line profitability. Revenue growth is modest, with a 3.6% increase from 2024 to 2025. EBIT and EBITDA margins are strong at 12.3% and 30.1%, respectively, showcasing the company's operational efficiency, though EBIT has declined compared to previous years.

Balance Sheet

The balance sheet reflects a moderate debt-to-equity ratio of 0.97, suggesting manageable leverage, but there is a slight increase in total debt. The equity ratio is approximately 36.6%, indicating a balanced asset base. Return on equity has declined to 4.9%, down from 8.8% in 2024, highlighting a reduction in shareholder returns. Overall, the company's balance sheet is stable but shows signs of increasing financial leverage and decreased profitability.

Cash Flow

U-Haul's cash flow statement is strong with a positive operating cash flow of $1.45 billion in 2025, maintaining consistency with previous years. The free cash flow has improved significantly to $1.45 billion, up from negative figures in previous years, indicating better cash management and reduced capital expenditures. The operating cash flow to net income ratio is robust at 3.96, suggesting efficient cash conversion from net income.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	5.91B	5.83B	5.63B	5.86B	5.74B	4.54B
Gross Profit	3.96B	5.00B	4.83B	5.02B	1.46B	3.82B
EBITDA	1.76B	1.75B	1.94B	2.19B	2.34B	1.62B
Net Income	278.71M	331.80M	596.94M	890.75M	1.12B	610.86M
Balance Sheet
Total Assets	20.85B	20.48B	19.06B	18.10B	17.30B	14.65B
Cash, Cash Equivalents and Short-Term Investments	1.67B	1.70B	2.06B	2.75B	2.74B	1.20B
Total Debt	7.29B	7.24B	6.33B	6.17B	7.19B	5.83B
Total Liabilities	13.19B	12.98B	11.89B	11.60B	11.35B	9.80B
Stockholders Equity	7.66B	7.50B	7.17B	6.50B	5.95B	4.85B
Cash Flow
Free Cash Flow	-499.96M	1.45B	-1.54B	-994.29M	-190.30M	93.92M
Operating Cash Flow	1.60B	1.45B	1.45B	1.73B	1.95B	1.54B
Investing Cash Flow	-2.85B	-2.89B	-2.05B	-2.42B	-1.87B	-1.13B
Financing Cash Flow	973.99M	895.11M	66.53M	59.80M	1.43B	287.35M

U-Haul Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 58.34
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UHAL, the sentiment is Negative. The current price of 58.34 is above the 20-day moving average (MA) of 57.83, below the 50-day MA of 59.59, and below the 200-day MA of 65.12, indicating a neutral trend. The MACD of -0.40 indicates Negative momentum. The RSI at 48.04 is Neutral, neither overbought nor oversold. The STOCH value of 64.97 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for UHAL.

U-Haul Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MGRC	81 Outperform	$3.09B	12.24	23.85%	1.57%	8.78%	117.40%
R	78 Outperform	$7.64B	15.98	16.38%	1.78%	3.68%	6.61%
Sector *	63 Neutral	$10.73B	15.32	7.39%	2.01%	2.86%	-14.57%
HRI	61 Neutral	$4.60B	160.51	1.41%	2.00%	11.41%	-92.67%
UHAL	60 Neutral	$10.62B	40.72	3.71%	―	3.39%	-47.78%
HTZ	47 Neutral	$1.70B	―	-350.48%	―	-7.58%	-225.06%
CAR	45 Neutral	$5.58B	8.26	78.26%	―	-2.25%	-395.93%

U-Haul Corporate Events

U-Haul Approves Key Proposals at Annual Meeting

On August 21, 2025, U-Haul Holding Company held its Annual Meeting of Stockholders, where several key proposals were approved. These included the election of directors, the ratification of Deloitte & Touche as the accounting firm, affirmation of board decisions for the fiscal year ending March 31, 2025, and the approval of the 2025 Stock Option Plan. These decisions are expected to impact the company’s governance and operational strategies moving forward.