U-Haul (UHAL) AI Stock Analysis

• Market Cap: $10.43B
• Dividend Yield: N/A
• Average Volume (3M): 161.61K
• Price to Earnings (P/E): 57.1
• Beta (1Y): 0.67
• 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: 170,262
• 30 Day Avg. Volume: 161,610
• 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: 1.71
• 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): 0.63
• 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 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

U-Haul generates revenue primarily through its rental services, which include truck and trailer rentals for various durations. The company charges customers based on the type of vehicle rented, the distance traveled, and additional time if necessary. Another significant revenue stream comes from its self-storage facilities, where U-Haul offers climate-controlled and standard storage units for personal and business use. Additionally, U-Haul sells moving supplies such as boxes, packing materials, and equipment, contributing to its earnings. Partnerships with various retail locations also enhance revenue, as U-Haul utilizes these sites for drop-off and pick-up services, expanding its reach without the overhead of maintaining a large number of dedicated locations.

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: Positive
• Last Price: 52.27
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UHAL, the sentiment is Positive. The current price of 52.27 is below the 20-day moving average (MA) of 52.87, below the 50-day MA of 52.43, and below the 200-day MA of 58.00, indicating a neutral trend. The MACD of 1.05 indicates Negative momentum. The RSI at 73.43 is Negative, neither overbought nor oversold. The STOCH value of 94.03 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for UHAL.

U-Haul Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
R	73 Outperform	$7.84B	16.48	16.26%	1.75%	1.68%	9.91%
HRI	67 Neutral	$5.28B	-62.75	-4.05%	1.79%	19.40%	-120.47%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
MGRC	58 Neutral	$2.74B	18.83	12.70%	1.79%	4.77%	-35.44%
UHAL	54 Neutral	$10.43B	57.12	2.58%	―	4.32%	-55.65%
HTZ	50 Neutral	$1.74B	-1.62	-567.03%	―	-7.36%	62.27%
CAR	45 Neutral	$4.38B	-2.10	―	―	-1.22%	-639.34%

U-Haul Corporate Events

U-Haul Files Prospectus for Secured Notes Offering

On December 10, 2025, U-Haul Holding Company filed a prospectus supplement for a registration statement concerning $13,673,700 of Fixed Rate Secured Notes. This filing is part of the company’s financial strategy, potentially impacting its capital structure and offering investment opportunities to stakeholders.

The most recent analyst rating on (UHAL) stock is a Hold with a $54.00 price target. To see the full list of analyst forecasts on U-Haul stock, see the UHAL Stock Forecast page.