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U-Haul (UHAL)
NYSE:UHAL

U-Haul (UHAL) AI Stock Analysis

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U-Haul

(NYSE:UHAL)

Rating:61Neutral
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 (UHAL) vs. SPDR S&P 500 ETF (SPY)

U-Haul Business Overview & Revenue Model

Company DescriptionAmerco (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 MoneyAmerco 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 Earnings Call Summary

Earnings Call Date:May 28, 2025
(Q4-2025)
|
% Change Since: -2.81%|
Next Earnings Date:Jul 30, 2025
Earnings Call Sentiment Negative
The earnings call presented a mixed picture with notable growth in the self-storage and equipment rental segments, and positive trends in the U-Box business. However, these positives were overshadowed by significant financial losses in the fourth quarter, decreased earnings for the full year, and increased operating expenses. The challenges in fleet depreciation, reduced gains on equipment sales, and declining interest income further contribute to a negative financial outlook.
Q4-2025 Updates
Positive Updates
Self-Storage Revenue Growth
Self-storage revenues increased by $18 million or 8% for the quarter, and by just under $67 million or 8% for the year. Average revenue per occupied foot improved by approximately 1.6%.
Increase in Equipment Rental Revenue
Equipment rental revenue saw a $29 million increase, or just over 4% for the fourth quarter. For the fiscal year, the revenue increased by over $100 million, about a 2.8% rise.
EBITDA Growth in Moving and Storage Segment
The Moving and Storage segment's EBITDA increased by $5.6 million for the quarter to $217.3 million, and full-year fiscal 2025 EBITDA increased by just under $52 million to $1,619.7 million.
U-Box Growth
U-Box revenue results increased by just under $14 million, with both moving transactions and related storage transactions growing significantly.
Negative Updates
Significant Fourth Quarter Loss
A fourth quarter loss of $82.3 million was reported, compared to a loss of $863,000 for the same quarter last year.
Decrease in Full Year Earnings
Full year fiscal 2025 earnings were $367.1 million, down from $628.7 million in fiscal 2024.
Fleet Depreciation Impact
There was a $0.16 decline in earnings per share for the fourth quarter due to fleet depreciation from increased fleet acquisitions and cost per truck.
Reduced Gains on Sales of Retired Equipment
There was a $0.12 decline in earnings per share due to reduced gains from sales of retired pickups and cargo vans.
Decline in Interest Income
A $0.10 decline in earnings per share was attributed to declining interest income as short-term cash balances were reduced due to reinvestment.
Increased Operating Expenses
Operating expenses at Moving and Storage were up by $53.6 million, with notable increases in personnel costs and liability costs associated with the fleet.
Company Guidance
During the U-Haul Holding Company's fourth quarter fiscal year-end 2025 investor call, the company reported a fourth quarter loss of $82.3 million, a significant increase from a loss of $863,000 in the same quarter of the previous year. Full-year fiscal 2025 earnings were down to $367.1 million from $628.7 million in fiscal 2024. The earnings per share for the fourth quarter was a $0.41 loss per non-voting share, compared to less than $0.01 a share loss in the fourth quarter of fiscal 2024. However, EBITDA in the Moving and Storage segment rose by $5.6 million for the quarter, reaching $217.3 million, with a full-year increase of nearly $52 million to $1,619.7 million. Equipment rental revenue grew by $29 million or just over 4%, while self-storage revenues increased by $18 million or 8% for the quarter. Despite these increases, operating expenses in the Moving and Storage segment rose by $53.6 million, with significant increases in personnel costs and liability costs associated with the fleet. The company's capital expenditures for new rental equipment reached $1,863 million, a $244 million increase compared to fiscal 2024, while proceeds from retired rental equipment sales declined by $76 million. Looking forward, U-Haul projects a net fleet CapEx of $1,295 million for fiscal year 2026.

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
75
Positive
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
80
Positive
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
70
Positive
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.
BreakdownMar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Income Statement
Total Revenue5.83B5.63B5.86B5.74B4.54B
Gross Profit5.00B4.83B5.02B4.87B3.82B
EBITDA1.75B1.94B2.19B2.34B1.62B
Net Income367.09M628.71M924.47M1.12B610.86M
Balance Sheet
Total Assets20.48B19.06B18.12B17.30B14.65B
Cash, Cash Equivalents and Short-Term Investments3.47B1.54B2.06B2.70B1.19B
Total Debt0.006.33B6.75B6.10B4.76B
Total Liabilities12.98B11.89B11.60B11.41B9.80B
Stockholders Equity7.50B7.17B6.53B5.89B4.85B
Cash Flow
Free Cash Flow1.45B-1.54B-994.29M-190.30M93.92M
Operating Cash Flow1.45B1.45B1.73B1.95B1.54B
Investing Cash Flow-2.89B-2.05B-2.42B-1.87B-1.13B
Financing Cash Flow895.11M66.53M59.80M1.43B287.35M

U-Haul Technical Analysis

Technical Analysis Sentiment
Negative
Last Price60.57
Price Trends
50DMA
62.76
Negative
100DMA
64.39
Negative
200DMA
68.39
Negative
Market Momentum
MACD
-0.54
Positive
RSI
41.25
Neutral
STOCH
60.47
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 Risk Analysis

U-Haul disclosed 18 risk factors in its most recent earnings report. U-Haul reported the most risks in the "Legal & Regulatory" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

U-Haul Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
$2.93B12.3322.80%1.61%7.31%91.99%
76
Outperform
$2.93B12.3322.80%1.61%7.31%91.99%
URURI
70
Outperform
$50.96B20.3030.17%0.90%7.20%4.56%
URURI
70
Outperform
$50.96B20.3030.17%0.90%7.20%4.56%
67
Neutral
£2.80B13.414.69%3.43%2.35%-24.51%
RR
62
Neutral
$7.00B14.8116.41%1.89%6.21%47.05%
RR
62
Neutral
$7.00B14.8116.41%1.89%6.21%47.05%
61
Neutral
$10.89B35.794.52%0.98%-35.16%
56
Neutral
$3.47B38.0015.74%1.16%-3.52%-46.60%
HRHRI
51
Neutral
$4.56B30.619.60%1.94%8.34%-63.02%
HRHRI
51
Neutral
$4.56B30.619.60%1.94%8.34%-63.02%
* Industrials Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
UHAL
U-Haul
60.57
0.69
1.15%
HEES
H&E Equipment Services
94.64
51.91
121.48%
HRI
Herc Holdings
137.28
14.35
11.67%
HRI
Herc Holdings
137.28
14.35
11.67%
MGRC
Mcgrath Rentcorp
118.97
15.85
15.37%
MGRC
Mcgrath Rentcorp
118.97
15.85
15.37%
R
Ryder System
169.26
54.48
47.46%
R
Ryder System
169.26
54.48
47.46%
URI
United Rentals
783.94
162.19
26.09%
URI
United Rentals
783.94
162.19
26.09%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Apr 22, 2025