Loading…
U-Haul Holding Company
🏹 Trader: 🎯 Near 52W High View all →
$12.4B
Market Cap
199.1
P/E
1.80
PEG
2.3%
ROCE
1.1%
ROE
1.07
D/E
7.3%
OPM
-14.9%
% from 52W High
65
α RS
⚖️ Compare 🔒 Generate Report 🔒 Research Packet 📚 Guides
🌏 Global Investor Returns
Currency-adjusted total returns for UHAL including FX impact
🌏
Click 🌏 Returns tab to load data
📈 Price History
Ratio Health
Excellent
Good
Average
Poor
By Category
📊 Sector Averages
About

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. It operates through three segments: Moving and Storage, Property and Casualty Insurance, and Life Insurance. It rents trucks, trailers, fixed and 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. The company provides uhaul.com, an online marketplace that connects consumers to independent moving help service providers and independent self-storage affiliates; auto transport and toy hauler, and tow dolly options to transport the vehicles; and specialty boxes for dishes, computers, flat screen television, tapes, security locks, and packing supplies. In addition, it rents self-moving products and services through a network of managed retail stores and independent U-Haul dealers, and rents equipment. Further, the company 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 and U-Box customers from loss on their goods in storage; Safehaul, which protect customers’ belongings in transit through its U-Box portable moving and storage units; Safemove Plus, which provides rental customers with a layer of primary liability protection; Safetrip, a supplemental roadside protection for the customers equipment; and loss adjusting and claims handling services. Additionally, it offers life and health insurance products to senior market through direct writing and reinsuring of life insurance, Medicare supplement, and annuity policies. The company was formerly known as AMERCO and changed its name to U-Haul Holding Company in December 2022. U-Haul Holding Company was founded in 1945 and is based in Reno, Nevada.

Key Ratios Snapshot
📈 Growth Pattern
📊 Quick Scorecard
Loading…
⭐ Superinvestors Holding UHAL
View All Superinvestors →
Manager Shares Value % of Fund Period
Steve Cohen Point72 Asset Management 27.6K $1.3M 0.00% Mar 2026
Jim Simons Renaissance Technologies LLC 4.6K $220K 0.00% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

🔒
Premium Feature
AI-generated 10-section company profile — business model, financials, strengths, risks & management quality
Upgrade to Premium
Already a member? Log in
📐
3-Statement Financial Model
Bear / Base / Bull projections · DCF fair value · Reverse-DCF
Open Model →
🎙 Management Tone Mixed ↑ Improving 4 quarters Full tone analysis in Intelligence →
📊 MIXED U-Haul reports Q4 loss of $128M, full year earnings $83M, authorizes $350M share repurchase.
Revenue & Profitability
Fourth quarter fiscal 2026 loss was $128 million, compared to a loss of $82 million in the prior year. Full year fiscal 2026 earnings were $83 million, down from $367 million. Adjusted EBITDA for the moving and storage segment increased $6 million to $223 million in Q4, and $26 million to $1.646 billion for the full year. Depreciation on the truck fleet rose to $229 million in Q4 (from $181 million) and $879 million for the full year (from $693 million).
Outlook
Management sees consumer confidence as a key factor, with miles per transaction still declining but at a slowing rate. April and May revenue trends were in line with Q4's performance. The company expects the storage occupancy recovery to continue gradually, with net tenant move-ins improving incrementally. CFO projected that the pace of filling new storage rooms is a few thousand rooms better year-over-year, but still behind historical levels.
Growth Drivers
Growth is being driven by expansion of the independent dealer network (net increase of 1,400 dealers in fiscal 2026), investment in U-Box containers, and the new Toy Hauler trailer product. In-town moving equipment rental growth was more robust than one-way. The company is also focusing on increasing cross-usage between moving and storage, particularly converting self-storage customers to U-Box. Planned growth for fiscal 2027 includes U-Box and Toy Hauler trailers at a slower clip, with no truck fleet growth.
Balance Sheet & CapEx
Capital expenditures for new rental equipment in fiscal 2026 were $2.081 billion, with net equipment purchases of $1.381 billion after proceeds from sales. Approximately $780 million of total spend was growth-related. For fiscal 2027, management estimates a decrease in new purchases net of sales of around $560 million. Real estate acquisitions and development spending totaled $966 million in fiscal 2026, down $541 million, with further declines expected in storage growth spend.
Margins
Adjusted EBITDA margin at the moving and storage segment improved slightly to approximately 29% for fiscal 2026. All-in operating margins worsened due to higher fleet depreciation. CFO noted that depreciation is expected to decline in the second half of fiscal 2027 and that gains on disposal should be a tailwind. Personnel costs increased $13 million in Q4, fleet maintenance was up $1 million, and self-insurance liability decreased by $2 million. The company increased reserves by $93 million over fiscal 2026.
Key Risks
Key risks include ongoing fleet depreciation headwinds from higher-cost vans and box trucks, with the resale market not reflecting the increased purchase prices. Storage occupancy recovery is slower than expected due to delinquency cleanup and weaker tenant move-ins. Consumer confidence weakness is affecting miles per transaction on one-way moves. CFO also mentioned that the company may need to extend holding periods for cargo vans or reduce purchases if resale markets do not improve relative to manufacturer pricing.
Generated by AI · Q4 2026 results · Not investment advice
🔒
Free Account Required

Create a free Finmagine account to access Finmagine™ Scorecard.

See how this company scores across 5 dimensions — Financial Health, Growth Prospects, Competitive Position, Management Quality, and Valuation — powered by 30+ computed ratios.

Create Free AccountLog In
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Ask AI.

Get 25 expert AI analysis templates — Business KPIs, Comprehensive, Forensic Governance, Peer Comparison, Risk-Reward, Full Research Report, IPO Decoder, Red Flag Detector, and more — ready to paste into ChatGPT, Claude, Gemini, or Perplexity.

Upgrade to PremiumCreate Free Account
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Peer Comparison.

Compare this company side-by-side against its sector peers with financial metrics, ratio benchmarking, and relative performance across all key dimensions.

Upgrade to PremiumCreate Free Account
✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
🔍
🔎 See cross-company document search → ?
📞 Earnings Call Transcripts (5)
Q1 2027 Q1 2027 2026-08-06
First quarter earnings declined year-over-year, with higher equipment rental and storage revenues offset by increased operating expenses and lower margins. The company is halfway through a major dealer expansion, continues to invest in fleet and storage, and is managing inflation and freight cost headwinds.
Q4 2026 Q4 2026 2026-05-28
Q4 loss widened to $128M and full-year earnings dropped sharply, but Adjusted EBITDA and rental revenues grew. Storage revenues rose 8% for the year, while a $350M share repurchase plan was authorized amid a pause in fleet growth and reduced CapEx.
Q3 2026 Q3 2026 2026-02-05
Third quarter fiscal 2026 saw a $37 million net loss, driven by high depreciation and losses on vehicle disposals, despite modest revenue growth in equipment rental and storage. The company is addressing overcapacity, reducing fleet expenditures, and focusing on strategic self-storage and U-Box expansion.
Q2 2026 Q2 2026 2025-11-06
Second-quarter earnings declined sharply year-over-year due to higher depreciation and equipment sales losses, despite record revenue and growth in self-storage and U-Box segments. Dealer network expansion and cost management are key focuses, with depreciation expected to peak soon.
Q1 2026 Q1 2026 2025-08-07
First quarter net income declined year-over-year due to higher depreciation and equipment sale losses, but adjusted EBITDA in moving and storage rose 6% on strong revenue growth. U-Box and self-storage segments posted double-digit and high single-digit revenue gains, respectively.
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Catalyst Timeline.

Every result, order win, insider trade, ECS update, earnings-call, and SEC announcement for this company — in one chronological lane.

Upgrade to PremiumCreate Free Account
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Full Report.

Read the complete Finmagine™ investment research report — comprehensive fundamental analysis, business model assessment, competitive positioning, and investment recommendation.

Upgrade to PremiumCreate Free Account

📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

🎯
Discover Our Proven Investment Framework Learn how we analyze and rank stocks using advanced quantitative models, multi-dimensional scoring systems, and dynamic discriminatory ranking techniques that have guided successful investment decisions across market cycles.
📊 Explore The Finmagine™ Methodology

A comprehensive, bias-free framework for analyzing and ranking stocks by Financial Strength, Growth Potential, Competitive Edge, Management Quality, and Value.

Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

⚠️ Important Disclaimers — Please read without fail.

Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

Not SEC-Registered:
Finmagine is not registered as an investment adviser with the U.S. Securities and Exchange Commission (SEC) or any state securities authority. Nothing on this platform constitutes investment advice as defined under the Investment Advisers Act of 1940.

Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities discussed. Any such positions are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company or institution.

Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

Forward-Looking Statements:
This analysis may contain forward-looking statements, forecasts, or projections that are inherently subject to risks, uncertainties, and assumptions. Actual results may differ materially from those expressed or implied. Finmagine does not undertake any obligation to update such statements in the future.

Limitation of Liability:
The content is provided "as is" without any warranties, express or implied. Finmagine expressly disclaims any liability for errors, omissions, or any losses incurred as a result of reliance on the information provided. Readers assume full responsibility for their investment decisions.