# U-Haul Holding Company (UHAL) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Industrials / Commercial Services & Supplies. Price $67.19, market value $13.1 billion.

## Valuation
- **P/E (trailing): 479.9×**. U-Haul Holding Company trades at 479.9× trailing earnings. The Industrials median in the September 2026 study was 25.7×. Forward P/E is 32.3×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 17.1×**. Each dollar of revenue is priced at 17.1×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.7×**. The shares trade at 1.7× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: -9.4%** (5-yr avg -14.5%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 0.2%**. The inverse of the P/E: 0.2% of the price is earned each year.

## Profitability
- **Operating margin: 55.5%**. 55.5% of revenue is left after running the business, an exceptional level.
- **Net margin: 10.9%**. 10.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 1.1%**. 1.1% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on invested capital: 2.3%**. Return on all capital, debt included, is 2.3%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: 0.3%**. Each dollar of assets produces 0.3% of profit.

## Growth
- **Revenue growth (1 yr): 3.6%** (3-yr 0.7%/yr, 5-yr -30.0%/yr). Revenue grew 3.6% over the last year, against -30.0% a year compounded over five years: growth is accelerating.

## Financial health
- **Debt to equity: 1.07**. Debt is 1.07 times equity, a leveraged balance sheet that needs steady cash flow to service.
- **Altman Z-score: 1.16**. A Z-score of 1.16 is in the distress zone, a signal to examine the balance sheet closely.
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. U-Haul Holding Company does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (3 analysts). 3 analysts cover U-Haul Holding Company; the consensus is buy, with an average price target of $87.62 (+30% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 15.3%** (YTD 33.3%, 3-mo 16.8%). The shares are up 15.3% over twelve months including dividends.
- **From 52-week high: -12.1%** (60.2% above the low). Trading 12% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 36**. An RSI of 36 is neutral.
- **Beta (1 yr): 0.83** (volatility 33%). Beta of 0.83 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=UHAL · Page: https://foliofundamentals.com/stocks/uhal

Not investment advice.