U-Haul Holding Company Common Stock (UHAL)

FairStock Score: 16/100 — RISKY

Key Financials

Strengths

• Established organization with 17,901 employees providing operational scale

Concerns

• Trades significantly above Graham Number ($21) with negative 158% margin of safety—limited downside protection
• Currently unprofitable—sustained losses could lead to dilutive capital raises or balance sheet deterioration
• Anemic revenue growth of 1.9% for a company of this size limits long-term upside
• Altman Z-Score of 1.1 places it in the financial distress zone—elevated bankruptcy risk

AI Analysis

U-Haul Holding Company Common Stock is a mid-cap industrials company valued at $10.2 billion. Revenue stands at $6.0 billion, though the company is currently unprofitable. From a quality standpoint, U-Haul shows distressed Altman Z-Score of 1.1 warrants caution and modest 2% ROE. On valuation, the stock is commanding a steep 113.4x multiple, with trades far above its Graham Number ($21) with no margin of safety. Growth dynamics show revenue growing at 1.9% and profit growth of -155.0%. Our composite FairStock Score of 16/100 reflects below-average fundamentals overall. Without profitability, this remains speculative—suitable only for those with high risk tolerance and a long time horizon.

Bull Case

Improving fundamentals and sector tailwinds could drive meaningful earnings growth, compressing the effective multiple for patient investors. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.

Bear Case

At 113x earnings, any growth disappointment triggers rapid multiple compression—a 20% earnings miss plus multiple contraction to 20x implies 40%+ downside. Sluggish 2% growth in a large-cap company leaves the stock vulnerable to de-rating if the market rotates toward higher-growth opportunities.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer