UHAL IndustrialsBeta data

U-Haul Holding Company

$59.13-0.86%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Industrials
Industry: Rental & Leasing Services
Country: United States
Market cap: 11.6B USD
Enterprise value: 18.4B USD
Full-time employees: 17,697

Overall health

Drawback: less profitable than most peersless profitable than peers
Drawback: growing more slowly than most peersgrowing more slowly than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings
Drawback: higher risk than most peers: its share price swings more than most peers’ (beta 1.08 vs a peer median of 0.64), less short-term liquidity (current ratio 1.01 vs a peer median of 1.62) and more debt relative to equity (1.06× vs a peer median of 0.40×)higher risk: bigger price swings (beta 1.08 vs peers 0.64), less liquidity (current ratio 1.01 vs peers 1.62) and more debt vs equity (1.06× vs peers 0.40×)

Ranks #2,159 of 2,308 industrials companies (bottom 7%)

See how it ranks against its peers

Worth knowing

Profitable, but burning cash. Reports a profit, but free cash flow is negative.
U-Haul reports a profit but its free cash flow is negative: it spent more on investment and running the business than it brought in. That's common for companies building capacity, but it means the profit isn't yet turning into cash.
Operating margin at a 6-year low. 7.2% in FY Mar 2026, the weakest of the last 6 years.
U-Haul's operating margin fell to 7.2% in FY Mar 2026, its lowest in the 6 years of filings we have.
Sales growing faster than profits. Since FY Mar 2023: revenue +3.0%, operating profit −70%.
Since FY Mar 2023, U-Haul's revenue changed +3.0% while operating profit fell 70%: costs rose faster than sales.

StockQuotient Score

20/ 100▼ 1 since Oct 27 close

Oct 5 21 → Nov 4 20 (-1)

Fundamentals: Yahoo Finance, not primary filings

Valuation

Is the price right?

22/100

Weak▼ 1 since Oct 27 close

3/3 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 23 → 22

Share price +6.3%-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Weaker than most peers on:

▼ FCF yield
▼ Earnings yield
▼ EBITDA yield

Compare with peers

Behind the score

Sector-normalized EBITDA, earnings, and free cash flow yields.

Earnings yield0.2%

Yahoo Finance · trailing 12 monthsReported value30% base weight · Z-score -1.20Sector median: 0.0377 · MAD: 0.0294

EBITDA yield4.1%

Yahoo Finance · trailing 12 monthsReported value50% base weight · Z-score -0.66Sector median: 0.0695 · MAD: 0.0425

Free cash flow yield-10.7%

Yahoo Finance · trailing 12 months · operating cash flow − capital spendingNegative (a loss or cash outflow), so it counts as zero whatever the share price20% base weight · Z-score -1.00Sector median: 0.0370 · MAD: 0.0370

Other data (not scored)

Book yield67.7%

Yahoo FinanceReported valueInformational · 0% composite weightSector median: 0.5027 · MAD: 0.2823

Growth

Is it growing?

19/100

Weak

3/3 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ EPS growth
▼ 3-yr revenue

Compare with peers

Behind the score

Revenue and earnings-per-share growth over one year, and revenue growth over three years.

Earnings per share growth-85.8%

Yahoo Finance · fiscal year to Mar 2026Outlier capped at sector 5th/95th percentile33% base weight · Z-score -3.05Sector median: 0.0709 · MAD: 0.2481

3-year revenue growth1.6%

SEC filings · 3 years to Jun 2026Reported value33% base weight · Z-score -0.42Sector median: 0.0421 · MAD: 0.0625

Revenue growth3.0%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -0.18Sector median: 0.0439 · MAD: 0.0766

Profitability

Does it earn well?

26/100

Weak

3/3 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ ROA
▼ ROIC

Compare with peers

Behind the score

Return on invested capital, operating margin, and return on assets.

Operating margin7.0%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -0.15Sector median: 0.0773 · MAD: 0.0507

Return on assets0.3%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -1.17Sector median: 0.0311 · MAD: 0.0241

Return on invested capital2.3%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -0.87Sector median: 0.0715 · MAD: 0.0558

Other data (not scored)

Gross margin28.5%

Yahoo Finance · trailing 12 monthsReported valueInformational · 0% composite weightSector median: 0.2573 · MAD: 0.1038

Return on equity0.8%

Yahoo Finance · trailing 12 monthsReported valueInformational · 0% composite weightSector median: 0.0802 · MAD: 0.0639

Risk

Debt, liquidity, price swings

Higher

Higher relative risk

3/3 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ Current ratio
▼ Beta
▼ Debt / equity

Compare with peers

Behind the score

Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.

Beta1.08

Yahoo Finance · 5-year monthly beta vs the marketReported value33% base weight · Z-score -1.58Sector median: 0.6440 · MAD: 0.2745

Current ratio1.01×

Yahoo FinanceReported value33% base weight · Z-score -1.14Sector median: 1.6180 · MAD: 0.5360

Debt / equity1.06×

Yahoo FinanceReported value33% base weight · Z-score -1.96Sector median: 0.4019 · MAD: 0.3378

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about U-Haul

Is U-Haul getting weaker?: Its latest SEC filing (Aug 5, 2026) showed no major changes. Its overall score is 20/100, down 1 since Oct 28, 2026.
How is U-Haul valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 22/100 against 2,459 industrials peers. Free cash flow yield -10.7% vs a peer median of 3.7% (weaker than 100% of peers).Free cash flow yield -10.7% vs peers 3.7% (weaker than 100% of peers).
Is U-Haul growing?: More slowly than most of its peers. Growth scores 19/100 against 2,459 industrials peers. Earnings per share growth -85.8% vs a peer median of 7.1% (weaker than 100% of peers).Earnings per share growth -85.8% vs peers 7.1% (weaker than 100% of peers).
How profitable is U-Haul?: Less profitable than most of its peers. Profitability scores 26/100 against 2,459 industrials peers. Return on assets 0.3% vs a peer median of 3.1% (weaker than 80% of peers).Return on assets 0.3% vs peers 3.1% (weaker than 80% of peers).
How risky is U-Haul?: Higher risk relative to 2,459 industrials peers, judged on debt, liquidity and share-price swings. Current ratio 1.01× vs a peer median of 1.62× (weaker than 84% of peers).Current ratio 1.01× vs peers 1.62× (weaker than 84% of peers). A relative measure, not a bankruptcy probability.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 5, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	6.0B USD	6.1B USD	+0.9%
Net income (12 months)	83.1M USD	63.7M USD	−23.3%
Operating margin	7.2%	7.0%	−0.2 pts
Free cash flow (12 months)	−1.4B USD	−1.2B USD	−9.3%
Debt	8.1B USD	8.1B USD	+0.3%
Cash	1.1B USD	1.1B USD	−2.0%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Sector: Industrials · 318 companies

Valuations in Industrials are near the top of their range since 2016.

85% of months since 2016 were valued lower than now.
41% of companies are in the most expensive fifth of their own price-to-sales history.
Over 24 months, company values +20% and earnings +14% (medians): prices and earnings moved broadly together.
Median price-to-sales is −24% vs the whole market, against a usual −31%.

2016Shaded: most expensive fifth of its range2026

Shown for Industrials: too few Rental & Leasing Services companies have a long enough history of their own.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY Mar 2022	FY Mar 2023	FY Mar 2024	FY Mar 2025	FY Mar 2026	Change
Gross margin	92.2%	92.7%	92.7%	92.8%	92.7%	▼ 0.1 pts
Operating margin	28.7%	24.6%	17.4%	12.3%	7.2%	▼ 5.1 pts
Net margin	19.6%	15.8%	11.2%	6.3%	1.4%	▼ 4.9 pts
Return on assets (ROA)	6.5%	5.1%	3.3%	1.8%	0.4%	▼ 1.4 pts
Return on equity (ROE)	18.9%	14.2%	8.8%	4.9%	1.1%	▼ 3.8 pts
Free cash flow margin	-3.3%	-17.0%	-27.4%	-34.3%	-22.5%	▲ 12 pts
Debt to equity	1.02×	0.94×	0.88×	0.96×	1.07×	▲ 11%
Interest coverage	9.83×	6.45×	3.82×	2.42×	1.19×	▼ 51%

UHAL price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Drawback: less profitable than most peersless profitable than peers

Drawback: growing more slowly than most peersgrowing more slowly than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Drawback: higher risk than most peers: its share price swings more than most peers’ (beta 1.08 vs a peer median of 0.64), less short-term liquidity (current ratio 1.01 vs a peer median of 1.62) and more debt relative to equity (1.06× vs a peer median of 0.40×)higher risk: bigger price swings (beta 1.08 vs peers 0.64), less liquidity (current ratio 1.01 vs peers 1.62) and more debt vs equity (1.06× vs peers 0.40×)

Ranks #2,159 of 2,308 industrials companies (bottom 7%)

See how it ranks against its peers

Worth knowing

Profitable, but burning cash. Reports a profit, but free cash flow is negative.

U-Haul reports a profit but its free cash flow is negative: it spent more on investment and running the business than it brought in. That's common for companies building capacity, but it means the profit isn't yet turning into cash.

Operating margin at a 6-year low. 7.2% in FY Mar 2026, the weakest of the last 6 years.

U-Haul's operating margin fell to 7.2% in FY Mar 2026, its lowest in the 6 years of filings we have.

Sales growing faster than profits. Since FY Mar 2023: revenue +3.0%, operating profit −70%.

Since FY Mar 2023, U-Haul's revenue changed +3.0% while operating profit fell 70%: costs rose faster than sales.

Questions investors ask about U-Haul

Is U-Haul getting weaker?

Its latest SEC filing (Aug 5, 2026) showed no major changes. Its overall score is 20/100, down 1 since Oct 28, 2026.

How is U-Haul valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 22/100 against 2,459 industrials peers. Free cash flow yield -10.7% vs a peer median of 3.7% (weaker than 100% of peers).Free cash flow yield -10.7% vs peers 3.7% (weaker than 100% of peers).

Is U-Haul growing?

More slowly than most of its peers. Growth scores 19/100 against 2,459 industrials peers. Earnings per share growth -85.8% vs a peer median of 7.1% (weaker than 100% of peers).Earnings per share growth -85.8% vs peers 7.1% (weaker than 100% of peers).

How profitable is U-Haul?

Less profitable than most of its peers. Profitability scores 26/100 against 2,459 industrials peers. Return on assets 0.3% vs a peer median of 3.1% (weaker than 80% of peers).Return on assets 0.3% vs peers 3.1% (weaker than 80% of peers).

How risky is U-Haul?

Higher risk relative to 2,459 industrials peers, judged on debt, liquidity and share-price swings. Current ratio 1.01× vs a peer median of 1.62× (weaker than 84% of peers).Current ratio 1.01× vs peers 1.62× (weaker than 84% of peers). A relative measure, not a bankruptcy probability.

Previous quarter

Latest quarter

Change

Revenue (12 months)

6.0B USD

6.1B USD

+0.9%

Net income (12 months)

83.1M USD

63.7M USD

−23.3%

Operating margin

7.2%

7.0%

−0.2 pts

Free cash flow (12 months)

−1.4B USD

−1.2B USD

−9.3%

Debt

8.1B USD

8.1B USD

+0.3%

Cash

1.1B USD

1.1B USD

−2.0%

Key ratios

FY Mar 2022

FY Mar 2023

FY Mar 2024

FY Mar 2025

FY Mar 2026

Change

Gross margin

92.2%

92.7%

92.8%

92.7%

▼ 0.1 pts

Operating margin

28.7%

24.6%

17.4%

12.3%

7.2%

▼ 5.1 pts

Net margin

19.6%

15.8%

11.2%

6.3%

1.4%

▼ 4.9 pts

Return on assets (ROA)

6.5%

5.1%

3.3%

1.8%

0.4%

▼ 1.4 pts

Return on equity (ROE)

18.9%

14.2%

8.8%

4.9%

1.1%

▼ 3.8 pts

Free cash flow margin

-3.3%

-17.0%

-27.4%

-34.3%

-22.5%

▲ 12 pts

Debt to equity

1.02×

0.94×

0.88×

0.96×

1.07×

▲ 11%

Interest coverage

9.83×

6.45×

3.82×

2.42×

1.19×

▼ 51%