U-Haul Holding Company Common Stock (UHAL)

FairStock Score: 16/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the 2026-10-13 close of $55.73, FairStock calculates a P/E of 398.07 and lists EPS of $0.14, so the market is paying up for very little current profit. The P/B of 1.39 is not outrageous, but the returns are: ROE 0.83% and ROCE 1.29%. U-Haul has a real brand and a broad do-it-yourself moving and storage network, which can be a moat, but it is capital-intensive, competitive, and now producing negative free cash flow of -$1.2B, a -12.1% FCF yield. As filed, revenue edged from $714.4M in FY2024 (ended 2024-03-31) to $761.5M in FY2026 (ended 2026-03-31), while net income collapsed from $628.7M to $83.1M. The next fiscal Q1 2027 (period ended 2026-06-30) showed $122.9M of net income, a hopeful sign, but the Lynch rule still calls it a SLOW GROWER — Shrinking, with profit -32.9% a year over five years. Debt-to-equity is 1.06 and Altman Z-Score is 1.09, so financial health deserves scrutiny. Graham would balk at the $11.12 Graham Number and -401.17% margin of safety. Piotroski 7/9 and EV/EBITDA 9.70 are modest positives, but FairStock Score 16/100 sums up the picture: a well-known franchise in a cyclical trough, priced as if a sharp recovery is already likely. I prefer a margin of safety; here the numbers offer little.

In plain English: U-Haul rents moving trucks and trailers and provides storage units and moving supplies. The business has a well-known name, but profits have been falling and cash flow is negative, so it looks financially weak right now. At the 2026-10-13 close of $55.73, the price looks expensive compared with the small profit it is producing.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q1 2027 10-Q (period ended 2026-06-30) · fiscal Q3 2026 10-Q (period ended 2025-12-31) · fiscal Q2 2026 10-Q (period ended 2025-09-30) · fiscal Q1 2026 10-Q (period ended 2025-06-30) · FY2026 10-K (period ended 2026-03-31) · FY2025 10-K (period ended 2025-03-31) · FY2024 10-K (period ended 2024-03-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer