U-Haul Holding Company (UHAL-B) AI Stock Analysis

U-Haul Holding Company operates as a do-it-yourself moving and storage operator for household and commercial goods across the United States and Canada. The company conducts operations through three segments: Moving and Storage, Property and Casualty Insurance, and Life Insurance. Its core business rents trucks, trailers, portable and fixed moving and storage units, specialty rental items, and self-storage spaces primarily to household movers. It also sells moving supplies, towing accessories, and propane. In addition, the company provides moving and storage protection packages such as Safemove, Safetow, Safestor, and Safehaul, alongside managing an online service marketplace through uhaul.com.

U-Haul increased revenue from $5.74B in FY2022 to $6.04B in FY2026, though annual growth has moderated to 3.6% in both FY2025 and FY2026. Gross margin remained steady at 85.8% in FY2026, but operating margin contracted from 24.9% in FY2022 to 7.6% in FY2026. Consequently, net income fell from $1.12B in FY2022 to $83.1M in FY2026, reducing diluted earnings per share to $0.29. Over the trailing twelve months, revenue reached $6.09B with a profit margin of 1.1% and operating margin of 15.1%. In the latest quarter ended June 30, 2026, quarterly revenue grew 3.2% year-over-year while quarterly earnings fell 13.5%.

As of June 30, 2026, U-Haul held $3.43B in cash and short-term investments against $8.15B in total debt, resulting in net debt of $4.71B. Total assets stood at $21.66B with shareholders' equity of $7.66B, producing a debt-to-equity ratio of 1.06 and a current ratio of 2.04. In FY2026, operating cash flow generated $1.79B, but capital expenditures of $3.15B resulted in free cash flow of -$1.36B. The company also paid $35.3M in dividends during FY2026.

U-Haul trades at a trailing price-to-earnings multiple of 362.9x and a forward multiple of 49.0x, compared to the median of its US-listed Industrials peers of 24.8x trailing and 17.2x forward. Its enterprise value to EBITDA stands at 9.7x, below the peer median of 13.9x, while its price-to-sales ratio of 1.6x is near the peer median of 1.5x. Shares closed at $50.81 on October 16, 2026, delivering a 1-year return of 1.4% compared to 16.8% for the S&P 500 (SPY).

U-Haul pays an annual forward dividend of $0.20 per share, representing a dividend yield of 0.39%. The stock has maintained 5 consecutive years of dividend payments on a quarterly schedule, with its last ex-dividend date on September 14, 2026. Based on trailing earnings, the dividend payout ratio is 105.3%.

One analyst covers U-Haul with a Buy rating and no Hold or Sell recommendations. The mean price target is $90.00, representing a 77.1% upside over the last close of $50.81. For the fiscal year ending March 31, 2027, consensus estimates project revenue of $6.29B and earnings per share of $1.12. For the subsequent fiscal year, revenue is projected at $6.63B with earnings per share of $2.20. Over the last four quarters, the company delivered 2 earnings per share beats.

This page is an AI-written research summary of U-Haul Holding Company (UHAL-B). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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