U-Haul (UHAL) AI Stock Analysis

• Market Cap: $9.56B
• Dividend Yield: N/A
• Average Volume (3M): 156.96K
• Price to Earnings (P/E): 52.6
• Beta (1Y): 0.72
• Revenue Growth: 4.32%
• EPS Growth: -55.65%
• Country: US
• Employees: 17,836
• Sector: Industrials
• Sector Strength: 72
• Industry: Rental & Leasing Services
• EPS (TTM): 0.49
• Shares Outstanding: 19,607,788
• 10 Day Avg. Volume: 209,740
• 30 Day Avg. Volume: 156,956
• PEG Ratio: -0.87
• Price to Book (P/B): 1.71
• Price to Sales (P/S): 2.20
• P/FCF Ratio: -6.41
• Enterprise Value/Market Cap: 1.87
• Enterprise Value/Revenue: 2.99
• Enterprise Value/Gross Profit: 6.39
• Enterprise Value/Ebitda: 10.35
• 1Y Price Target: $80.00
• Price Target Upside: 53.05% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 0.56
• Revenue Forecast (FY): $6.03B

• Rating: 54 Neutral
• Price Target: $54.00 ▲(3.31% Upside)

U-Haul's overall stock score reflects a combination of stable revenue growth and operational efficiency, overshadowed by declining profitability and cash flow challenges. Technical indicators suggest bearish momentum, and the high P/E ratio indicates potential overvaluation. The earnings call highlighted strategic expansions but also significant cost pressures, impacting the overall outlook.

Positive Factors

Revenue Growth

Achieving record revenue indicates strong demand and effective market strategies, supporting long-term growth and market presence.

Dealer Network Expansion

Expanding the dealer network enhances distribution capabilities and market reach, contributing to sustained revenue growth and competitive positioning.

Self-Storage Revenue Growth

Growth in self-storage revenue reflects strong demand and effective pricing strategies, bolstering the company's diversified income streams.

Negative Factors

Declining Profitability

Declining profitability due to increased costs pressures long-term financial health and may limit reinvestment opportunities.

Increased Depreciation Costs

Rising depreciation costs reduce net income and highlight potential inefficiencies in asset management, affecting future profitability.

Negative Free Cash Flow

Negative free cash flow indicates potential liquidity issues, limiting the company's ability to invest in growth and manage financial obligations.

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 demonstrates stable revenue growth and operational efficiency, but faces challenges in profitability and cash flow management. The balance sheet remains strong with balanced leverage, but declining profitability margins and negative free cash flow warrant attention. The company should focus on improving cost management and cash flow generation to enhance financial health.

Income Statement

U-Haul's income statement shows stable revenue growth with a TTM (Trailing-Twelve-Months) revenue increase of 1.046%. However, there is a notable decline in profitability margins over the periods. The gross profit margin decreased from 95.48% in 2022 to 70.00% in TTM 2025, and the net profit margin also fell from 19.59% to 3.31%. This indicates pressure on profitability, possibly due to increased costs or competitive pricing. Despite this, the company maintains a positive EBIT and EBITDA margin, reflecting operational efficiency.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio close to 1, indicating balanced leverage. The equity ratio is healthy, and the return on equity, although declining from 19.10% in 2022 to 2.58% in TTM 2025, suggests that the company is still generating returns for shareholders. The stability in stockholders' equity and total assets over the periods supports a solid financial foundation.

Cash Flow

U-Haul's cash flow statement reveals challenges with free cash flow, which has been negative in recent periods, indicating potential liquidity issues. The free cash flow growth rate is volatile, with a significant drop in TTM 2025. However, the operating cash flow remains strong, with a high operating cash flow to net income ratio, suggesting that the company can cover its net income with cash from operations. The negative free cash flow to net income ratio highlights potential concerns in cash management.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	5.97B	5.83B	5.63B	5.86B	5.74B	4.54B
Gross Profit	2.79B	5.00B	4.83B	5.02B	1.46B	3.82B
EBITDA	1.72B	1.75B	1.94B	2.19B	2.34B	1.62B
Net Income	197.46M	331.80M	596.94M	890.75M	1.12B	610.86M
Balance Sheet
Total Assets	21.43B	20.48B	19.06B	18.10B	17.30B	14.65B
Cash, Cash Equivalents and Short-Term Investments	1.08B	1.70B	2.06B	2.75B	2.74B	1.20B
Total Debt	7.74B	7.24B	6.33B	6.17B	7.19B	5.83B
Total Liabilities	13.66B	12.98B	11.89B	11.60B	11.35B	9.80B
Stockholders Equity	7.77B	7.50B	7.17B	6.50B	5.95B	4.85B
Cash Flow
Free Cash Flow	-1.82B	-2.00B	-1.54B	-994.29M	-190.30M	93.92M
Operating Cash Flow	1.62B	1.45B	1.45B	1.73B	1.95B	1.54B
Investing Cash Flow	-2.79B	-2.89B	-2.05B	-2.42B	-1.87B	-1.13B
Financing Cash Flow	821.68M	895.11M	66.53M	59.80M	1.43B	287.35M

U-Haul Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 52.27
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UHAL, the sentiment is Neutral. The current price of 52.27 is above the 20-day moving average (MA) of 51.69, below the 50-day MA of 54.18, and below the 200-day MA of 60.28, indicating a neutral trend. The MACD of -0.69 indicates Negative momentum. The RSI at 53.62 is Neutral, neither overbought nor oversold. The STOCH value of 91.73 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for UHAL.

U-Haul Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
R	61 Neutral	$6.95B	14.60	16.26%	2.00%	1.68%	9.91%
HRI	58 Neutral	$4.42B	―	-4.05%	2.10%	19.40%	-120.47%
MGRC	58 Neutral	$2.51B	17.26	12.70%	1.89%	4.77%	-35.44%
UHAL	54 Neutral	$9.56B	52.59	2.58%	―	4.32%	-55.65%
HTZ	45 Neutral	$1.55B	―	-567.03%	―	-7.36%	62.27%
CAR	41 Neutral	$4.58B	―	―	―	-1.22%	-639.34%

U-Haul Corporate Events

AMERCO’s Earnings Call: Growth Amidst Financial Strains

The recent earnings call for AMERCO presented a mixed sentiment, highlighting significant growth in revenue and strategic expansions. However, these positive developments were overshadowed by notable declines in earnings due to increased depreciation and losses on equipment sales. While the company is making strides in market share and expanding its footprint, financial challenges from higher costs and decreased transactions remain a concern.

U-Haul Reports Decline in Earnings Amid Revenue Growth

U-Haul Holding Company, a leader in the shared-use business sector, operates through subsidiaries including U-Haul International, Oxford Life Insurance, Repwest Insurance, and Amerco Real Estate, providing moving and storage solutions across North America.

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.

The most recent analyst rating on (UHAL) stock is a Hold with a $61.00 price target. To see the full list of analyst forecasts on U-Haul stock, see the UHAL Stock Forecast page.