U-Haul Holding Company (UHAL) Financial Ratios
30 years of historical data (1997–2026) · Industrials · Rental & Leasing Services
EV/EBITDA
↑
10.77
+19% vs avg
5yr avg: 9.06
30Y Low2.0·High11.2
P/FCF
N/A
—
5yr avg: N/A
30Y Low0.7·High127.9
P/B Ratio
↓
1.60
-6% vs avg
5yr avg: 1.71
30Y Low0.1·High2.8
ROE
↓
1.1%
↑-89% vs avg
5yr avg: 9.9%
30Y Low-9%·High26%
Debt/EBITDA
↑
4.65
↑+25% vs avg
5yr avg: 3.71
30Y Low2.2·High8.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
UHAL Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
U-Haul Holding Company trades at 259.3x earnings, 373% above its 5-year average of 54.8x, sitting at the 100th percentile of its historical range. Compared to the Industrials sector median P/E of 25.6x, the stock trades at a premium of 914%.
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $11.8B | $9.4B | $12.8B | $13.2B | $11.7B | $11.7B | $12.0B | $5.7B | $7.3B | $6.8B | $7.5B |
| Enterprise Value | $18.8B | $16.4B | $19.1B | $18.0B | $15.8B | $16.2B | $16.6B | $11.0B | $11.3B | $9.6B | $10.0B |
| P/E Ratio → | 259.29 | 199.08 | 38.67 | 22.18 | 13.13 | 1.04 | 1.97 | 1.29 | 1.96 | 0.86 | 1.87 |
| P/S Ratio | 1.96 | 1.55 | 2.20 | 2.35 | 1.99 | 2.04 | 2.64 | 1.43 | 1.93 | 1.88 | 2.18 |
| P/B Ratio | 1.60 | 1.23 | 1.71 | 1.85 | 1.80 | 1.97 | 2.48 | 1.35 | 1.97 | 1.98 | 2.85 |
| P/FCF | — | — | — | — | — | — | 127.89 | — | — | — | — |
| P/OCF | 6.59 | 5.22 | 8.81 | 9.12 | 6.76 | 6.01 | 7.82 | 5.30 | 7.46 | 7.22 | 7.32 |
P/E links to full P/E history page with 30-year chart
UHAL EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
U-Haul Holding Company's enterprise value stands at 10.8x EBITDA, 19% above its 5-year average of 9.1x. The Industrials sector median is 13.8x, placing the stock at a 22% discount on an enterprise-value basis.
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.71 | 3.27 | 3.21 | 2.69 | 2.82 | 3.67 | 2.77 | 3.00 | 2.66 | 2.93 |
| EV / EBITDA | 10.77 | 9.37 | 11.23 | 9.91 | 7.18 | 7.62 | 10.24 | 9.15 | 9.40 | 7.25 | 8.19 |
| EV / EBIT | 40.85 | 34.68 | 24.70 | 16.46 | 11.00 | 9.88 | 17.45 | 20.59 | 18.33 | 12.58 | 13.59 |
| EV / FCF | — | — | — | — | — | — | 177.27 | — | — | — | — |
UHAL Profitability
Margins and return-on-capital ratios measuring operating efficiency
U-Haul Holding Company earns an operating margin of 7.6%, above the Industrials sector average of 4.3%. Operating margins have compressed from 17.4% to 7.6% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 1.1% is modest, trailing the sector median of 8.2%. ROIC of 2.4% represents below-average returns on invested capital versus a sector median of 6.1%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 85.8% | 85.8% | 85.9% | 85.9% | 85.6% | 25.4% | 84.1% | 84.2% | 85.4% | 82.7% | 82.4% |
| Operating Margin | 7.6% | 7.6% | 12.3% | 17.4% | 24.6% | 24.9% | 21.2% | 13.6% | 16.5% | 21.3% | 21.7% |
| Net Profit Margin | 1.4% | 1.4% | 5.7% | 10.6% | 15.2% | 19.6% | 13.4% | 11.1% | 9.8% | 22.0% | 11.6% |
Return on Capital
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 1.1% | 1.1% | 4.5% | 8.7% | 14.3% | 20.8% | 13.5% | 11.2% | 10.4% | 26.2% | 16.4% |
| ROA | 0.4% | 0.4% | 1.7% | 3.2% | 5.0% | 7.0% | 4.3% | 3.5% | 3.3% | 7.8% | 4.5% |
| ROIC | 2.4% | 2.4% | 4.2% | 6.5% | 10.3% | 10.7% | 7.6% | 4.7% | 6.7% | 10.1% | 11.3% |
| ROCE | 2.3% | 2.3% | 4.0% | 5.8% | 9.0% | 10.0% | 7.7% | 4.9% | 6.5% | 9.2% | 10.4% |
UHAL Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
U-Haul Holding Company carries a Debt/EBITDA ratio of 4.6x, which is highly leveraged (44% above the sector average of 3.2x). Net debt stands at $7.0B ($8.1B total debt minus $1.1B cash). Interest coverage of just 1.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.07 | 1.07 | 0.97 | 0.88 | 0.95 | 1.21 | 1.20 | 1.38 | 1.27 | 1.05 | 1.25 |
| Debt / EBITDA | 4.65 | 4.65 | 4.26 | 3.48 | 2.80 | 3.39 | 3.59 | 4.83 | 3.90 | 2.70 | 2.66 |
| Net Debt / Equity | — | 0.92 | 0.83 | 0.67 | 0.63 | 0.75 | 0.96 | 1.26 | 1.09 | 0.82 | 0.98 |
| Net Debt / EBITDA | 4.01 | 4.01 | 3.68 | 2.63 | 1.86 | 2.11 | 2.85 | 4.42 | 3.34 | 2.13 | 2.09 |
| Debt / FCF | — | — | — | — | — | — | 49.38 | — | — | — | — |
| Interest Coverage | 1.29 | 1.29 | 2.61 | 4.19 | 6.39 | 10.02 | 5.97 | 3.32 | 4.35 | 6.19 | 7.04 |
UHAL Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.92x means U-Haul Holding Company can comfortably meet its short-term obligations, though there is limited excess liquidity. The current ratio has improved from 1.65x to 1.92x over the past 3 years.
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.92 | 1.92 | 1.45 | 1.65 | 2.03 | 2.14 | 1.24 | 0.90 | 0.79 | 0.73 | 0.75 |
| Quick Ratio | 1.71 | 1.71 | 1.35 | 1.56 | 1.94 | 2.05 | 1.17 | 0.84 | 0.72 | 0.68 | 0.70 |
| Cash Ratio | 1.30 | 1.30 | 0.98 | 1.22 | 1.62 | 1.69 | 0.71 | 0.32 | 0.42 | 0.43 | 0.43 |
| Asset Turnover | — | 0.27 | 0.28 | 0.30 | 0.32 | 0.33 | 0.31 | 0.30 | 0.32 | 0.34 | 0.36 |
| Inventory Turnover | 4.80 | 4.80 | 5.05 | 5.25 | 5.57 | 26.98 | 6.85 | 6.20 | 5.32 | 6.93 | 7.31 |
| Days Sales Outstanding | — | 9.66 | 17.27 | 17.77 | 14.80 | 17.63 | 18.04 | 17.12 | 21.77 | 19.62 | 19.00 |
UHAL Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
U-Haul Holding Company returns 0.3% to shareholders annually primarily through dividends. A payout ratio of 42.5% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 0.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.3% | 0.4% | 0.3% | 0.2% | 0.3% | 0.3% | 0.4% | 0.5% | 0.5% | 0.4% | 0.8% |
| Payout Ratio | 42.5% | 42.5% | 10.6% | 5.3% | 3.8% | 2.6% | 8.0% | 6.7% | 10.6% | 3.7% | 14.7% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 0.4% | 0.5% | 2.6% | 4.5% | 7.6% | 96.0% | 50.9% | 77.6% | 51.0% | 116.9% | 53.4% |
| FCF Yield | — | — | — | — | — | — | 0.8% | — | — | — | — |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 0.3% | 0.4% | 0.3% | 0.2% | 0.3% | 0.3% | 0.4% | 0.5% | 0.5% | 0.4% | 0.8% |
| Shares Outstanding | — | $196M | $196M | $196M | $196M | $196M | $196M | $196M | $196M | $196M | $196M |
Peer Comparison
Compare UHAL with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 UHALYou | $12B | 259.3 | 10.8 | — | 85.8% | 7.6% | 1.1% | 2.4% | 4.6 |
 RCMT | $187M | 12.3 | 7.5 | 10.8 | 26.9% | 7.9% | 41.1% | 26.9% | 0.9 |
 REXR | $8B | 38.5 | 16.1 | 37.7 | 77.3% | 37.9% | 2.4% | 2.4% | 5.0 |
 NSA | $3B | 63.5 | 14.6 | 11.4 | 46.0% | 37.0% | 4.5% | 4.1% | 7.3 |
 CUBE | $9B | 27.8 | 18.1 | 16.3 | 22.7% | 40.0% | 11.6% | 5.5% | 5.0 |
 EXR | $31B | 31.7 | 20.7 | 16.8 | 28.4% | 44.1% | 6.7% | 3.9% | 6.8 |
 PSA | $56B | 35.3 | 19.3 | 19.3 | 25.0% | 46.7% | 18.6% | 8.9% | 3.0 |
 R | $10B | 22.0 | 5.7 | 22.6 | 19.8% | 8.6% | 16.2% | 7.0% | 2.6 |
 GATX | $6B | 19.4 | 14.3 | — | 48.6% | 30.7% | 11.0% | 3.7% | 13.0 |
 URI | $67B | 27.9 | 11.8 | 101.9 | 35.4% | 24.7% | 28.4% | 12.4% | 2.3 |
 F | $55B | -6.8 | 23.4 | 4.4 | 12.2% | 1.4% | -20.2% | 1.0% | 19.7 |
| Industrials Median | — | 25.6 | 13.8 | 20.0 | 32.0% | 4.3% | 8.2% | 6.1% | 3.2 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 30 years · Updated daily
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UHAL — Frequently Asked Questions
Quick answers to the most common questions about buying UHAL stock.
What is U-Haul Holding Company's P/E ratio?
U-Haul Holding Company's current P/E ratio is 259.3x. The historical average is 25.3x. This places it at the 100th percentile of its historical range.
What is U-Haul Holding Company's EV/EBITDA?
U-Haul Holding Company's current EV/EBITDA is 10.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 6.2x.
What is U-Haul Holding Company's ROE?
U-Haul Holding Company's return on equity (ROE) is 1.1%. The historical average is 11.4%.
Is UHAL stock overvalued?
Based on historical data, U-Haul Holding Company is trading at a P/E of 259.3x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is U-Haul Holding Company's dividend yield?
U-Haul Holding Company's current dividend yield is 0.29% with a payout ratio of 42.5%.
What are U-Haul Holding Company's profit margins?
U-Haul Holding Company has 85.8% gross margin and 7.6% operating margin.
How much debt does U-Haul Holding Company have?
U-Haul Holding Company's Debt/EBITDA ratio is 4.6x, indicating high leverage. A ratio above 4x may signal elevated financial risk.