U-Haul (UHAL) AI Stock Analysis

• Market Cap: $10.95B
• Dividend Yield: N/A
• Average Volume (3M): 97.99K
• Price to Earnings (P/E): 36.8
• Beta (1Y): 0.81
• Revenue Growth: 0.98%
• EPS Growth: -35.16%
• Country: US
• Employees: 17,836
• Sector: Industrials
• Sector Strength: 85
• Industry: Rental & Leasing Services
• EPS (TTM): -0.46
• Shares Outstanding: 19,607,788
• 10 Day Avg. Volume: 103,037
• 30 Day Avg. Volume: 97,987
• PEG Ratio: -0.37
• Price to Book (P/B): 2.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -8.26
• Enterprise Value/Market Cap: 0.99
• Enterprise Value/Revenue: 0.47
• Enterprise Value/Gross Profit: 3.17
• Enterprise Value/Ebitda: 1.56
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 61 Neutral
• Price Target: ―

UHAL shows strength in its financial performance, particularly with a robust balance sheet and improvements in free cash flow. However, technical indicators suggest bearish momentum, and the stock's valuation seems high without a dividend yield. Earnings call insights reveal growth in key areas but also highlight earnings decline and reduced gains from equipment sales, impacting overall sentiment. These factors combine to result in a moderate overall stock score.

U-Haul Business Overview & Revenue Model

Company Description

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. The company's Moving and Storage segment rents trucks, trailers, 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. It also provides uhaul.com, an online marketplace that connects consumers to independent Moving Help service providers and independent self-storage affiliates; auto transport and tow dolly options to transport vehicles; and specialty boxes for dishes, computers, flat screen television, and sensitive electronic equipment, as well as tapes, security locks, and packing supplies. This segment rents its products and services through a network of approximately 2,100 company operated retail moving stores and 21,100 independent U-Haul dealers. As of March 31, 2022, it had a rental fleet of approximately 186,000 trucks, 128,000 trailers, and 46,000 towing devices; and 1,844 self-storage locations with approximately 876,000 rentable storage units. The company's Property and Casualty Insurance segment offers loss adjusting and claims handling services. It also 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 customers from loss on their goods in storage; Safestor Mobile, which protects customers stored belongings; and Safemove Plus, which provides rental customers with a layer of primary liability protection. The company's Life Insurance segment provides life and health insurance products primarily to the senior market through the direct writing and reinsuring of life insurance, medicare supplement, and annuity policies. The company was formerly known as AMERCO. U-Haul Holding Company was founded in 1945 and is based in Reno, Nevada.

How the Company Makes Money

Amerco generates revenue primarily through its U-Haul segment, which involves renting out trucks, trailers, and towing devices to customers. In addition, the company earns income from self-storage rentals, which offer individuals and businesses secure storage spaces. Other revenue streams include the sale of moving supplies and accessories, such as boxes and packing materials. Amerco also benefits from its insurance operations, which provide coverage for rental equipment and storage customers. Strategic partnerships and an extensive network help enhance their service offerings and reach, contributing to the company's overall earnings.

U-Haul Financial Statement Overview

Summary

Amerco exhibits solid financial performance with strong gross profit margins and a robust balance sheet with zero total debt. However, revenue and net income inconsistencies and the decline in return on equity pose some risks. Recent improvements in free cash flow show better cash management, but fluctuations in profitability and cash flow need to be addressed for sustained growth.

Income Statement

Amerco has shown a strong gross profit margin with an increase from previous periods, indicating efficient cost management. However, the net profit margin has declined recently, pointing towards increased expenses or reduced operational efficiency. The revenue growth rate has been inconsistent, showing signs of volatility, but the company maintains a healthy EBIT and EBITDA margin, reflecting good operational control.

Balance Sheet

The balance sheet is robust with no total debt in the TTM period, improving the debt-to-equity ratio significantly. Stockholders' equity has increased, enhancing the equity ratio and indicating strong financial health. The return on equity has decreased, suggesting a need to improve profitability relative to equity. Overall, the company shows financial stability with a strong equity position.

Cash Flow

Operating cash flow remains strong, but free cash flow has been negative in previous years, impacting the free cash flow growth rate. The company has improved its free cash flow position in the TTM period, reflecting better capital expenditure management. However, the ratios of operating and free cash flow to net income highlight potential discrepancies in cash generation relative to reported profits.

Breakdown
Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
5.83B	5.63B	5.86B	5.74B	4.54B
	Gross Profit
5.59B	1.65B	5.02B	5.48B	4.33B
	EBIT
716.15M	977.79M	1.44B	1.64B	961.15M
	EBITDA
716.15M	1.92B	2.18B	2.34B	1.63B
	Net Income Common Stockholders
0.00	628.71M	924.47M	1.12B	610.86M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
3.47B	1.54B	2.06B	2.70B	1.19B
	Total Assets
20.48B	19.06B	18.12B	17.30B	14.65B
	Total Debt
0.00	6.33B	6.75B	6.10B	4.76B
	Net Debt
-988.83M	4.79B	4.69B	3.39B	3.57B
	Total Liabilities
12.98B	11.89B	11.60B	11.41B	9.80B
	Stockholders Equity
7.50B	7.17B	6.53B	5.89B	4.85B
Cash Flow		Free Cash Flow
1.45B	-1.54B	-994.29M	-190.30M	93.92M
	Operating Cash Flow
1.45B	1.45B	1.73B	1.95B	1.54B
	Investing Cash Flow
-2.89B	-2.05B	-2.42B	-1.87B	-1.13B
	Financing Cash Flow
0.00	66.53M	59.80M	1.43B	287.35M

U-Haul Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 62.34
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 62.34 is below the 20-day moving average (MA) of 63.28, below the 50-day MA of 62.59, and below the 200-day MA of 69.03, indicating a bearish trend. The MACD of -0.03 indicates Positive momentum. The RSI at 44.82 is Neutral, neither overbought nor oversold. The STOCH value of 35.13 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	79 Outperform	$2.80B	11.79	22.80%	1.70%	7.31%	91.99%
URI	77 Outperform	$45.16B	17.99	30.17%	1.03%	7.20%	4.56%
R	71 Outperform	$6.09B	12.89	16.41%	2.20%	6.21%	47.05%
HRI	66 Neutral	$3.78B	25.39	9.60%	2.46%	8.34%	-63.02%
Sector *	66 Neutral	$4.47B	12.21	5.40%	3.65%	4.14%	-12.00%
UHAL	61 Neutral	$10.95B	36.84	4.52%	―	0.98%	-35.16%
HEES	56 Neutral	$3.47B	38.00	15.74%	1.16%	-3.52%	-46.60%