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U-Haul Holding Company(UHAL)Earnings, Financials & Key Ratios
UHAL•NYSE
$52.10
$9.19B mkt cap·30.8× P/E·Price updated May 6, 2026
AboutU-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.Show more
- Revenue$5.83B+3.6%
- EBITDA$1.7B-6.6%
- Net Income$332M-44.4%
- EPS (Diluted)1.69-44.5%
- Gross Margin85.86%
- EBITDA Margin29.14%-9.9%
- Operating Margin12.29%-29.3%
- Net Margin5.69%-46.4%
- ROE4.52%-48.2%
- ROIC4.18%-35.7%
- Debt/Equity0.97+9.5%
- Interest Coverage2.42-35.2%
UHAL Key Insights
U-Haul Holding Company (UHAL) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓High quality earnings: Operating CF exceeds net income
- ✓Healthy 5Y average net margin of 12.9%
- ✓Trading at only 1.4x book value
✗Weaknesses
- ✗Negative free cash flow
- ✗Low asset turnover indicates capital-intensive operations
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
UHAL Price & Volume
U-Haul Holding Company (UHAL) stock price & volume — 10-year historical chart
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UHAL Growth Metrics
U-Haul Holding Company (UHAL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years6.61%
5 Years7.93%
3 Years0.51%
TTM5.42%
Profit CAGR
10 Years-0.72%
5 Years-5.58%
3 Years-33.4%
TTM-66.33%
EPS CAGR
10 Years-21.16%
5 Years-40.44%
3 Years-69.1%
TTM-75.07%
Return on Capital
10 Years8.2%
5 Years7.29%
3 Years6.25%
Last Year3.97%
UHAL Recent Earnings
U-Haul Holding Company (UHAL) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (8%)●Beat Revenue 6/12 qtrs (50%)
Q1 2026Latest
Feb 4, 2026EPS
$0.23
Est $0.24
+4.2%
Revenue
$1.4B
Est $1.4B
-1.0%
Q4 2025
Nov 5, 2025EPS
$0.49
Est $0.87
-43.5%
Revenue
$1.7B
Est $1.7B
-0.5%
Q3 2025
Aug 6, 2025EPS
$0.68
Est $0.70
-2.9%
Revenue
$1.6B
Est $1.6B
+1.0%
Q2 2025
May 28, 2025EPS
$0.46
Est $0.22
-106.0%
Revenue
$1.2B
Est $1.2B
+6.5%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 4, 2026 | $0.23vs $0.24+4.2% | $1.4Bvs $1.4B-1.0% |
| Q4 2025 | Nov 5, 2025 | $0.49vs $0.87-43.5% | $1.7Bvs $1.7B-0.5% |
| Q3 2025 | Aug 6, 2025 | $0.68vs $0.70-2.9% | $1.6Bvs $1.6B+1.0% |
| Q2 2025 | May 28, 2025 | $0.46vs $0.22-106.0% | $1.2Bvs $1.2B+6.5% |
Based on last 12 quarters of dataView full earnings history →
UHAL Peer Comparison
U-Haul Holding Company (UHAL) competitors in Vehicle rental, leasing and fleet management — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 RCMT | 222.39M | 30.01 | 17.86 | 5.75% | 4.23% | 35.58% | 1.62% | 1.26 |
 REXR | 8.6B | 36.23 | 42.13 | 7.13% | 21.29% | 2.34% | 2.43% | 0.40 |
 NSA | 3.34B | 43.36 | 61.94 | -2.26% | 11.92% | 5.74% | 8.97% | 2.23 |
 CUBE | 9.18B | 40.28 | 27.59 | 5.33% | 28.93% | 11.7% | 6.17% | 1.27 |
 EXR | 30.38B | 143.85 | 31.34 | 1.19% | 28.84% | 6.69% | 6.02% | 1.05 |
 PSA | 54.24B | 308.98 | 34.29 | 2.74% | 39.16% | 20.27% | 5.34% | 1.10 |
 R | 9.52B | 241.56 | 20.15 | 0.23% | 3.91% | 39.51% | 4.82% | 2.84 |
 GATX | 7.12B | 199.55 | 25.65 | 12.38% | 18.35% | 11.5% | 3.45 |
Compare UHAL vs Peers
U-Haul Holding Company (UHAL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
UHAL Income Statement
U-Haul Holding Company (UHAL) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 3.42B | 3.6B | 3.77B | 3.98B | 4.54B | 5.74B | 5.86B | 5.63B | 5.83B | 6B |
| Revenue Growth % | 4.47% | 5.24% | 4.65% | 5.58% | 14.15% | 26.37% | 2.18% | -4.08% | 3.61% | 5.42% |
| Cost of Goods Sold | 602.42M | 622.5M | 550.83M | 627.19M | 723.18M | 4.29B | 843.42M | 792.68M | 824.26M | 3.03B |
| COGS % of Revenue | 17.61% | 17.29% | 14.62% | 15.76% | 15.92% | 74.68% | 14.38% | 14.09% | 14.14% | - |
| Gross Profit | 2.82B▲ 0% | 2.98B▲ 5.6% | 3.22B▲ 8.0% | 3.35B▲ 4.2% | 3.82B▲ 13.9% | 1.46B▼ 61.8% | 5.02B▲ 243.8% | 4.83B▼ 3.7% | 5B▲ 3.5% | 2.97B▲ 0% |
| Gross Margin % | 82.39% | 82.71% | 85.38% | 84.24% | 84.08% | 25.45% | 85.62% | 85.91% | 85.86% | 49.45% |
| Gross Profit Growth % | 4.4% | 5.65% | 8.03% | 4.16% | 13.94% | -61.75% | 243.8% | -3.75% | 3.55% | - |
| Operating Expenses | 2.08B | 2.21B | 2.6B | 2.81B | 2.86B | 33.85M | 3.58B | 3.86B | 4.29B | 1.96B |
| OpEx % of Revenue | 60.68% | 61.46% | 68.91% | 70.66% | 62.92% | 0.59% | 60.97% | 68.53% | 73.57% | - |
| Selling, General & Admin | 37.34M | 33.96M | 33.16M | 26.88M | 28.47M | 0 | 30.83M | 32.65M | 20.5M | 15.06M |
| SG&A % of Revenue | 1.09% | 0.94% | 0.88% | 0.68% | 0.63% | - | 0.53% | 0.58% | 0.35% | - |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | 2.04B | 2.18B | 2.56B | 2.78B | 2.83B | 33.85M | 3.54B | 3.82B | 4.27B | 1.93M |
| Operating Income | 743.16M▲ 0% | 765.25M▲ 3.0% | 620.99M▼ 18.9% | 540.13M▼ 13.0% | 961.15M▲ 77.9% | 1.43B▲ 48.4% | 1.45B▲ 1.3% | 977.79M▼ 32.4% | 716.15M▼ 26.8% | 529.25M▲ 0% |
| Operating Margin % | 21.72% | 21.25% | 16.48% | 13.57% | 21.16% | 24.86% | 24.65% | 17.38% | 12.29% | 8.82% |
| Operating Income Growth % | -14.25% | 2.97% | -18.85% | -13.02% | 77.95% | 48.43% | 1.33% | -32.36% | -26.76% | - |
| EBITDA | 1.22B | 1.32B | 1.2B | 1.2B | 1.63B | 2.12B | 2.2B | 1.82B | 1.7B | 1.37B |
| EBITDA Margin % | 35.79% | 36.66% | 31.89% | 30.27% | 35.78% | 37% | 37.54% | 32.34% | 29.14% | 22.9% |
| EBITDA Growth % | -2.49% | 7.81% | -8.96% | 0.19% | 34.95% | 30.67% | 3.69% | -17.36% | -6.65% | -17.12% |
| D&A (Non-Cash Add-back) | 481.52M | 555.07M | 581.02M | 664.12M | 664M | 696.96M | 756.31M | 841.82M | 982.49M | 844.46M |
| EBIT | 738.32M | 760.45M | 616.23M | 535.05M | 954.21M | 1.64B | 1.44B | 1.1B | 772.01M | 461.09M |
| Net Interest Income | -104.8M | -122.81M | -141.62M | -161.35M | -159.86M | -163.47M | -224.73M | -141.57M | -236.66M | -224.41M |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 120.02M | 59.06M | 77M |
| Interest Expense | 104.8M | 122.81M | 141.62M | 161.35M | 159.86M | 163.47M | 224.73M | 261.59M | 295.72M | 158.62M |
| Other Income/Expense | -114.81M | -127.63M | -143.46M | -162M | -164.49M | 48.82M | -226.18M | -137.61M | -238.64M | -306.81M |
| Pretax Income | 628.36M▲ 0% | 637.61M▲ 1.5% | 477.53M▼ 25.1% | 378.12M▼ 20.8% | 796.66M▲ 110.7% | 1.48B▲ 85.2% | 1.22B▼ 17.4% | 840.18M▼ 31.1% | 477.51M▼ 43.2% | 222.44M▲ 0% |
| Pretax Margin % | 18.36% | 17.71% | 12.67% | 9.5% | 17.54% | 25.71% | 20.79% | 14.93% | 8.19% | 3.71% |
| Income Tax | 229.93M | -152.97M | 106.67M | -63.92M | 185.8M | 352.21M | 294.93M | 211.47M | 110.42M | 56.85M |
| Effective Tax Rate % | 36.59% | -23.99% | 22.34% | -16.91% | 23.32% | 23.87% | 24.19% | 25.17% | 23.12% | 25.56% |
| Net Income | 398.42M▲ 0% | 790.58M▲ 98.4% | 370.86M▼ 53.1% | 442.05M▲ 19.2% | 610.86M▲ 38.2% | 1.12B▲ 83.9% | 890.75M▼ 20.7% | 596.94M▼ 33.0% | 331.8M▼ 44.4% | 139.12M▲ 0% |
| Net Margin % | 11.64% | 21.95% | 9.84% | 11.11% | 13.45% | 19.57% | 15.19% | 10.61% | 5.69% | 2.32% |
| Net Income Growth % | -18.52% | 98.43% | -53.09% | 19.2% | 38.19% | 83.89% | -20.7% | -32.98% | -44.42% | -66.33% |
| Net Income (Continuing) | 398.42M | 790.58M | 370.86M | 442.05M | 610.86M | 1.12B | 924.47M | 628.71M | 367.09M | 165.59M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 20.34▲ 0% | 40.36▲ 98.4% | 18.93▼ 53.1% | 22.55▲ 19.1% | 31.15▲ 38.2% | 57.29▲ 83.9% | 4.54▼ 92.1% | 3.04▼ 33.0% | 1.69▼ 44.5% | 0.71▲ 0% |
| EPS Growth % | -18.48% | 98.42% | -53.1% | 19.13% | 38.16% | 83.89% | -92.07% | -32.98% | -44.49% | -75.07% |
| EPS (Basic) | 20.34 | 40.36 | 18.93 | 22.55 | 31.15 | 57.29 | 4.54 | 3.04 | 1.69 | - |
| Diluted Shares Outstanding | 195.87M | 195.89M | 195.92M | 196.04M | 196.08M | 196.08M | 196.08M | 196.08M | 196.08M | 196.08M |
| Basic Shares Outstanding | 195.87M | 195.89M | 195.92M | 196.04M | 196.08M | 196.08M | 196.08M | 196.08M | 196.08M | 196.08M |
| Dividend Payout Ratio | 14.75% | 3.72% | 10.56% | 6.65% | 8.02% | 2.62% | 3.79% | 5.32% | 10.64% | - |
UHAL Balance Sheet
U-Haul Holding Company (UHAL) balance sheet — assets, liabilities & shareholders' equity
| Line item | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 1.24B | 1.31B | 1.26B | 1.43B | 2.08B | 3.47B | 3.43B | 2.78B | 2.51B | 3.88B |
| Cash & Short-Term Investments | 712.96M | 769.74M | 679.25M | 501.35M | 1.2B | 2.74B | 2.75B | 2.06B | 1.7B | 3.53B |
| Cash Only | 697.81M | 759.39M | 673.7M | 494.35M | 1.19B | 2.7B | 2.06B | 1.53B | 988.83M | 1.03B |
| Short-Term Investments | 15.15M | 10.35M | 5.55M | 7M | 7.23M | 30.92M | 687.5M | 527.41M | 710.7M | 2.5B |
| Accounts Receivable | 178.08M | 193.54M | 224.78M | 186.67M | 224.43M | 277.19M | 237.81M | 273.84M | 275.72M | 172.65M |
| Days Sales Outstanding | 19 | 19.62 | 21.77 | 17.12 | 18.04 | 17.63 | 14.8 | 17.77 | 17.27 | 13.62 |
| Inventory | 82.44M | 89.88M | 103.5M | 101.08M | 105.58M | 158.89M | 151.47M | 150.94M | 163.13M | 175.02M |
| Days Inventory Outstanding | 49.95 | 52.7 | 68.59 | 58.83 | 53.29 | 13.53 | 65.55 | 69.5 | 72.24 | 20.69 |
| Other Current Assets | 86.17M | 33.28M | 30.89M | 34.78M | 35.4M | 0 | 0 | 0 | 0 | 0 |
| Total Non-Current Assets | 8.16B | 9.44B | 10.63B | 12.01B | 12.57B | 13.83B | 14.67B | 16.28B | 17.97B | 16.3B |
| Property, Plant & Equipment | 5.96B | 6.82B | 7.93B | 9.03B | 9.3B | 10.32B | 11.88B | 13.48B | 15.3B | 16.3B |
| Fixed Asset Turnover | 0.57x | 0.53x | 0.48x | 0.44x | 0.49x | 0.56x | 0.49x | 0.42x | 0.38x | 0.38x |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 1.95B | 2.25B | 2.48B | 2.78B | 3.11B | 3.34B | 2.66B | 2.62B | 2.51B | 8.27B |
| Other Non-Current Assets | 233.97M | 370.45M | 220.78M | 204.06M | 159.13M | 171.65M | 128.46M | 189.17M | 163M | 674.35M |
| Total Assets | 9.41B▲ 0% | 10.75B▲ 14.3% | 11.89B▲ 10.7% | 13.44B▲ 13.0% | 14.65B▲ 9.0% | 17.3B▲ 18.1% | 18.1B▲ 4.6% | 19.06B▲ 5.3% | 20.48B▲ 7.5% | 21.62B▲ 0% |
| Asset Turnover | 0.36x | 0.34x | 0.32x | 0.30x | 0.31x | 0.33x | 0.32x | 0.30x | 0.28x | 0.28x |
| Asset Growth % | 15.4% | 14.26% | 10.65% | 13% | 9.03% | 18.07% | 4.63% | 5.29% | 7.45% | 28.25% |
| Total Current Liabilities | 1.65B | 1.79B | 1.6B | 1.58B | 1.69B | 1.62B | 1.69B | 1.68B | 1.73B | 54.23M |
| Accounts Payable | 450.54M | 511.12M | 556.87M | 554.35M | 645.58M | 677.78M | 235.9M | 240.05M | 263.28M | 0 |
| Days Payables Outstanding | 272.98 | 299.69 | 369.01 | 322.61 | 325.83 | 57.71 | 102.09 | 110.54 | 116.59 | 25.13 |
| Short-Term Debt | 85M | 55M | 530M | 1.09B | 1.07B | 1.09B | 0 | 0 | 0 | 0 |
| Deferred Revenue (Current) | 28.7M | 34.28M | 35.19M | 31.62M | 42.59M | 49.16M | 52.28M | 51.17M | 52.9M | 228.15M |
| Other Current Liabilities | 0 | -55M | -530M | -1.09B | -1.07B | -1.09B | 0 | 0 | 0 | 0 |
| Current Ratio | 0.75x | 0.73x | 0.79x | 0.90x | 1.24x | 2.14x | 2.03x | 1.65x | 1.45x | 1.45x |
| Quick Ratio | 0.70x | 0.68x | 0.72x | 0.84x | 1.17x | 2.05x | 1.94x | 1.56x | 1.35x | 1.35x |
| Cash Conversion Cycle | -204.03 | -227.37 | -278.65 | -246.66 | -254.51 | -26.56 | -21.74 | -23.27 | -27.08 | 9.18 |
| Total Non-Current Liabilities | 5.14B | 5.55B | 6.6B | 7.63B | 8.11B | 9.73B | 9.9B | 10.2B | 11.25B | 13.82B |
| Long-Term Debt | 2.3B | 2.53B | 3.12B | 3.49B | 3.51B | 4.73B | 4.63B | 4.45B | 5.19B | 0 |
| Capital Lease Obligations | 876.83M | 984.22M | 1.04B | 1.24B | 1.25B | 1.37B | 1.54B | 1.88B | 2.05B | 4.18B |
| Deferred Tax Liabilities | 835.01M | 658.11M | 750.97M | 1.09B | 1.18B | 1.29B | 1.33B | 1.45B | 1.49B | 4.57B |
| Other Non-Current Liabilities | 1.09B | 1.34B | 1.65B | 1.78B | 2.13B | 2.3B | 2.41B | 2.43B | 2.52B | 22.31B |
| Total Liabilities | 6.79B | 7.34B | 8.2B | 9.22B | 9.8B | 11.35B | 11.6B | 11.89B | 12.98B | 13.87B |
| Total Debt | 3.26B | 3.57B | 4.69B | 5.81B | 5.83B | 7.19B | 6.17B | 6.33B | 7.24B | 0 |
| Net Debt | 2.57B | 2.81B | 4.02B | 5.32B | 4.64B | 4.49B | 4.11B | 4.79B | 6.25B | -1.03B |
| Debt / Equity | 1.25x | 1.05x | 1.27x | 1.38x | 1.20x | 1.21x | 0.95x | 0.88x | 0.97x | 0.97x |
| Debt / EBITDA | 2.66x | 2.70x | 3.90x | 4.83x | 3.59x | 3.39x | 2.80x | 3.48x | 4.26x | 0.00x |
| Net Debt / EBITDA | 2.09x | 2.13x | 3.34x | 4.42x | 2.85x | 2.11x | 1.86x | 2.63x | 3.68x | 3.68x |
| Interest Coverage | 7.09x | 6.23x | 4.38x | 3.35x | 6.01x | 8.73x | 6.43x | 3.74x | 2.42x | 2.91x |
| Total Equity | 2.62B▲ 0% | 3.41B▲ 30.1% | 3.69B▲ 8.3% | 4.22B▲ 14.3% | 4.85B▲ 15.0% | 5.95B▲ 22.7% | 6.5B▲ 9.3% | 7.17B▲ 10.3% | 7.5B▲ 4.5% | 7.74B▲ 0% |
| Equity Growth % | 16.36% | 30.12% | 8.32% | 14.31% | 14.95% | 22.68% | 9.27% | 10.27% | 4.54% | 13.54% |
| Book Value per Share | 13.38 | 17.40 | 18.85 | 21.53 | 24.74 | 30.36 | 33.17 | 36.58 | 38.24 | 39.49 |
| Total Shareholders' Equity | 2.62B | 3.41B | 3.69B | 4.22B | 4.85B | 5.95B | 6.5B | 7.17B | 7.5B | 7.74B |
| Common Stock | 10.5M | 10.5M | 10.5M | 10.5M | 10.5M | 10.5M | 10.67M | 10.67M | 10.67M | 10.5M |
| Retained Earnings | 2.89B | 3.64B | 3.98B | 4.4B | 4.96B | 6.12B | 7B | 7.6B | 7.93B | 8.12B |
| Treasury Stock | -677.65M | -677.65M | -677.65M | -677.65M | -677.65M | -677.65M | -677.65M | -677.65M | -677.65M | 0 |
| Accumulated OCI | -51.24M | -4.62M | -66.7M | 34.65M | 106.86M | 46.38M | -285.62M | -223.22M | -229.31M | -168.09M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
UHAL Cash Flow Statement
U-Haul Holding Company (UHAL) cash flow — operating, investing & free cash flow history
| Line item | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.02B | 936.33M | 975.58M | 1.08B | 1.54B | 1.95B | 1.73B | 1.45B | 1.45B | 1.45B |
| Operating CF Margin % | 29.81% | 26% | 25.89% | 27.03% | 33.8% | 33.91% | 29.49% | 25.82% | 24.95% | - |
| Operating CF Growth % | -2.02% | -8.21% | 4.19% | 10.24% | 42.76% | 26.76% | -11.13% | -16.01% | 0.12% | 17.75% |
| Net Income | 398.42M | 790.58M | 370.86M | 442.05M | 610.86M | 1.12B | 890.75M | 596.94M | 331.8M | 139.12M |
| Depreciation & Amortization | 481.52M | 555.07M | 581.02M | 664.12M | 664M | 696.96M | 733.88M | 817.89M | 1.01B | 1.16B |
| Stock-Based Compensation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes | 173.11M | -193.43M | 106.81M | 317.89M | 68.41M | 101.09M | 131.75M | 98.38M | 41.91M | -6.86M |
| Other Non-Cash Items | 15.21M | -135.09M | 56.93M | 56.25M | 45.05M | -94.62M | -89.82M | 1.19M | 108.59M | 341.3M |
| Working Capital Changes | -48.21M | -79.45M | -140.04M | -404.8M | 147.07M | 119.52M | 63.05M | -61.64M | -39.37M | -22.57M |
| Change in Receivables | -2.55M | 38.08M | -27.17M | 32.48M | -40M | -19.54M | 44.17M | -38.63M | -1.51M | 25.74M |
| Change in Inventory | -4.07M | -12.38M | -13.49M | 1.78M | -5.78M | -68.54M | 7.26M | 518K | -12.26M | -19.94M |
| Change in Payables | -5.06M | -36.98M | 10.26M | -4.53M | 92.92M | 28.75M | 34.26M | -10.7M | 14.4M | -22.92M |
| Cash from Investing | -1.14B | -896.95M | -1.57B | -1.77B | -1.13B | -1.87B | -2.42B | -2.05B | -2.89B | -2.47B |
| Capital Expenditures | -1.42B | -1.36B | -1.87B | -2.31B | -1.44B | -2.14B | -2.72B | -2.99B | -3.45B | -588.99M |
| CapEx % of Revenue | 41.48% | 37.87% | 49.62% | 58.04% | 31.74% | 37.22% | 46.45% | 53.2% | 59.23% | - |
| Acquisitions | 487.48M | 699.8M | 606.27M | 687.38M | 537.48M | 623.24M | 701.33M | 739.18M | 662.36M | 132.22M |
| Investments | - | - | - | - | - | - | - | - | - | - |
| Other Investing | 4.18M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1.74B |
| Cash from Financing | 223.75M | 16.6M | 514.58M | 512.32M | 287.35M | 1.43B | 59.8M | 66.53M | 895.11M | 880.71M |
| Debt Issued (Net) | 157.18M | -159.46M | 286.89M | 458.31M | 32.38M | 1.35B | 86.48M | 156.95M | 921.17M | 790.23M |
| Equity Issued (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividends Paid | -58.76M | -29.38M | -39.18M | -29.4M | -49.02M | -29.41M | -33.73M | -31.77M | -35.29M | -35.29M |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing | 125.33M | 205.44M | 266.87M | 83.41M | 303.99M | 110.02M | 7.04M | -58.65M | 9.24M | 125.77M |
| Net Change in Cash | 97.16M▲ 0% | 61.58M▼ 36.6% | -85.69M▼ 239.1% | -179.35M▼ 109.3% | 699.66M▲ 490.1% | 1.51B▲ 115.8% | -643.61M▼ 142.6% | -525.98M▲ 18.3% | -545.72M▼ 3.8% | 14.86M▲ 0% |
| Free Cash Flow | -399.44M▲ 0% | -426.06M▼ 6.7% | -894.38M▼ 109.9% | -1.23B▼ 38.0% | 93.92M▲ 107.6% | -190.3M▼ 302.6% | -994.29M▼ 422.5% | -1.54B▼ 54.9% | -2B▼ 29.7% | 1B▲ 0% |
| FCF Margin % | -11.67% | -11.83% | -23.73% | -31.01% | 2.07% | -3.32% | -16.95% | -27.38% | -34.28% | 16.67% |
| FCF Growth % | 14.68% | -6.66% | -109.92% | -37.96% | 107.61% | -302.62% | -422.48% | -54.9% | -29.73% | 150.34% |
| FCF per Share | -2.04 | -2.18 | -4.57 | -6.29 | 0.48 | -0.97 | -5.07 | -7.85 | -10.19 | -10.19 |
| FCF Conversion (FCF/Net Income) | 2.56x | 1.18x | 2.63x | 2.43x | 2.51x | 1.73x | 1.94x | 2.43x | 4.38x | 7.19x |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 268.7M | 0 | 0 |
| Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
UHAL Key Ratios
U-Haul Holding Company (UHAL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 16.36% | 26.23% | 10.45% | 11.17% | 13.47% | 20.79% | 14.3% | 8.73% | 4.52% | 1.8% |
| Return on Invested Capital (ROIC) | 11.34% | 10.07% | 6.69% | 4.7% | 7.58% | 10.74% | 10.3% | 6.5% | 4.18% | 4.18% |
| Gross Margin | 82.39% | 82.71% | 85.38% | 84.24% | 84.08% | 25.45% | 85.62% | 85.91% | 85.86% | 49.45% |
| Net Margin | 11.64% | 21.95% | 9.84% | 11.11% | 13.45% | 19.57% | 15.19% | 10.61% | 5.69% | 2.32% |
| Debt / Equity | 1.25x | 1.05x | 1.27x | 1.38x | 1.20x | 1.21x | 0.95x | 0.88x | 0.97x | 0.97x |
| Interest Coverage | 7.09x | 6.23x | 4.38x | 3.35x | 6.01x | 8.73x | 6.43x | 3.74x | 2.42x | 2.91x |
| FCF Conversion | 2.56x | 1.18x | 2.63x | 2.43x | 2.51x | 1.73x | 1.94x | 2.43x | 4.38x | 7.19x |
| Revenue Growth | 4.47% | 5.24% | 4.65% | 5.58% | 14.15% | 26.37% | 2.18% | -4.08% | 3.61% | 5.42% |
UHAL SEC Filings & Documents
U-Haul Holding Company (UHAL) SEC filings — annual & quarterly reports (10-K, 10-Q)
UHAL Frequently Asked Questions
U-Haul Holding Company (UHAL) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
U-Haul Holding Company (UHAL) reported $6.00B in revenue for fiscal year 2025. This represents a 359% increase from $1.31B in 1996.
U-Haul Holding Company (UHAL) grew revenue by 3.6% over the past year. Growth has been modest.
Yes, U-Haul Holding Company (UHAL) is profitable, generating $139.1M in net income for fiscal year 2025 (5.7% net margin).
Dividend & Returns
Yes, U-Haul Holding Company (UHAL) pays a dividend with a yield of 0.35%. This makes it attractive for income-focused investors.
U-Haul Holding Company (UHAL) has a return on equity (ROE) of 4.5%. This is below average, suggesting room for improvement.
U-Haul Holding Company (UHAL) generated $1.00B in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
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