U-Haul (UHAL) AI Stock Analysis

• Market Cap: $10.89B
• Dividend Yield: N/A
• Average Volume (3M): 140.60K
• Price to Earnings (P/E): 35.8
• Beta (1Y): 0.79
• 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: 206,433
• 30 Day Avg. Volume: 140,602
• PEG Ratio: -1.93
• Price to Book (P/B): 1.61
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -6.71
• Enterprise Value/Market Cap: 0.90
• Enterprise Value/Revenue: 0.43
• Enterprise Value/Gross Profit: 1.96
• Enterprise Value/Ebitda: 1.35
• 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

Amerco (UHAL) is a leading provider of rental and storage solutions, primarily known through its subsidiary, U-Haul International, Inc. The company operates in the truck and trailer rental sector, offering a comprehensive range of services including moving equipment rentals, self-storage facilities, and related services. With a vast network across North America, Amerco provides essential services for individuals and businesses needing convenient transportation and storage solutions.

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	5.00B	4.83B	5.02B	4.87B	3.82B
EBITDA	1.75B	1.94B	2.19B	2.34B	1.62B
Net Income	367.09M	628.71M	924.47M	1.12B	610.86M
Balance Sheet
Total Assets	20.48B	19.06B	18.12B	17.30B	14.65B
Cash, Cash Equivalents and Short-Term Investments	3.47B	1.54B	2.06B	2.70B	1.19B
Total Debt	0.00	6.33B	6.75B	6.10B	4.76B
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	895.11M	66.53M	59.80M	1.43B	287.35M

U-Haul Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 60.57
• 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 60.57 is below the 20-day moving average (MA) of 62.00, below the 50-day MA of 62.76, and below the 200-day MA of 68.39, indicating a bearish trend. The MACD of -0.54 indicates Positive momentum. The RSI at 41.25 is Neutral, neither overbought nor oversold. The STOCH value of 60.47 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	76 Outperform	$2.93B	12.33	22.80%	1.61%	7.31%	91.99%
MGRC	76 Outperform	$2.93B	12.33	22.80%	1.61%	7.31%	91.99%
URI	70 Outperform	$50.96B	20.30	30.17%	0.90%	7.20%	4.56%
URI	70 Outperform	$50.96B	20.30	30.17%	0.90%	7.20%	4.56%
Sector *	67 Neutral	£2.80B	13.41	4.69%	3.43%	2.35%	-24.51%
R	62 Neutral	$7.00B	14.81	16.41%	1.89%	6.21%	47.05%
R	62 Neutral	$7.00B	14.81	16.41%	1.89%	6.21%	47.05%
UHAL	61 Neutral	$10.89B	35.79	4.52%	―	0.98%	-35.16%
HEES	56 Neutral	$3.47B	38.00	15.74%	1.16%	-3.52%	-46.60%
HRI	51 Neutral	$4.56B	30.61	9.60%	1.94%	8.34%	-63.02%
HRI	51 Neutral	$4.56B	30.61	9.60%	1.94%	8.34%	-63.02%