UHAL
U-Haul Holding Company
Industrials · Rental & Leasing Services · NYQ
$51.55
Close 2026-05-23
✗ ETHICAL FAIL
WEAK MOAT
HIGH
Data Confidence: 100%
Full financial profile available
Market Cap
$9.8B
Trailing P/E
109.68
Forward P/E
11.46
Rev Growth
+1.9%
Profit Margin
2.1%
ROE
1.7%
Analyst Target
$75.45
Recommendation
NONE
Ethical Screen
| Business Activity | PASS |
| Debt Ratio (0.82%) | FAIL |
| Cash Ratio (0.11%) | PASS |
| Receivables Ratio (0.00%) | PASS |
| Revenue Ratio (0.00%) | PASS |
| Overall | FAIL |
Score Valuation: 83.5
Score Quality: 38.2
Score Combined: 50.9
Fair Value Est: $67.50 · Margin of Safety: +30.9%
Opportunity Scores
Valuation70.0
Quality12.4
Cash Flow50.0
Moat25.0
Balance Sheet63.5
Debt Purity0.0
Liquid Purity68.1
Rev Purity100.0
Compliance49.4
Tier: SILVER · Score: 60.6 · Rank: #473
Earnings History (Last 8 Quarters)
| Date | EPS Est. | Reported EPS | Surprise % |
|---|---|---|---|
| 2026-05-27 | -0.65 | Pending | -- |
| 2026-02-04 | -0.20 | -0.23 | -12.2% |
| 2025-11-05 | 0.66 | 0.49 | -25.8% |
| 2025-08-06 | 0.70 | 0.68 | -2.9% |
| 2025-05-28 | -0.26 | -0.46 | -76.9% |
| 2025-02-05 | 0.18 | 0.36 | +97.4% |
| 2024-11-06 | 1.32 | 0.91 | -31.1% |
| 2024-08-07 | 1.20 | 0.95 | -20.8% |
Quarterly Financials
| Period | Revenue | Net Income | EBITDA | Gross Profit | Op. Income | EPS |
|---|---|---|---|---|---|---|
| 2025-12-31 | $1.4B | -$37.0M | $343.8M | $1.2B | $67.6M | -0.23 |
| 2025-09-30 | $1.7B | $105.5M | $530.7M | $1.5B | $265.6M | 0.49 |
| 2025-06-30 | $1.6B | $142.3M | $551.0M | $1.4B | $282.6M | 0.68 |
| 2025-03-31 | $1.2B | -$82.3M | $220.7M | $1.1B | -$2.9M | -0.46 |
| 2024-12-31 | $1.4B | $67.2M | $417.9M | $1.2B | $155.1M | 0.30 |
| 2024-09-30 | — | — | — | — | — | — |
Insider Transactions
No insider transaction data.
Top Institutional Holders
| Holder | Shares | Value | % Held |
|---|---|---|---|
| Dimensional Fund Advisors LP | 510.1K | $26.3M | 0.0% |
| Blackrock Inc. | 474.2K | $24.4M | 0.0% |
| Vanguard Capital Management LLC | 404.7K | $20.9M | 0.0% |
| Southpoint Capital Advisors Lp | 362.0K | $18.7M | 0.0% |
| Vanguard Portfolio Management LLC | 354.6K | $18.3M | 0.0% |
| Yacktman Asset Management Lp | 325.4K | $16.8M | 0.0% |
| Scharf Investments, LLC | 322.0K | $16.6M | 0.0% |
| Millennium Management Llc | 321.3K | $16.6M | 0.0% |
| Shaw D.E. & Co., Inc. | 292.3K | $15.1M | 0.0% |
| Quantinno Capital Management, LP | 244.3K | $12.6M | 0.0% |
Analyst Recommendations
Last Month
1 analysts
Current
1 analysts
Strong Buy
Buy
Hold
Sell
Strong Sell
Additional Fundamentals
Enterprise Value
$17.0B
$17.0B
Price/Book
1.28
1.28
Beta
1.111
1.111
Analysts
2
2
Total Revenue (TTM)
$6.0B
$6.0B
Total Debt
$8.1B
$8.1B
Trade Consideration
The Opportunity
Score 50.9 (P75 — top 24.6% of scored tickers). Weak Moat. Ethical FAIL. 2 analysts at None.
Price: $51.55 | Target: $75.45 (+46%) | Fair Value: $67.50 (+31%)
Score
51
Moat
WEAK
Conviction
Standard
Upside
+46%
The Fundamentals
Revenue Growth+1.9%
Profit Margin2.1%
ROE1.7%
Forward P/E11.5
Market Cap$9.8B
Earnings Track Record
| Date | Estimate | Reported | Surprise |
|---|---|---|---|
| 2026-05-27 | $-0.65 | Pending | — |
| 2026-02-04 | $-0.20 | $-0.23 | -12.2% |
| 2025-11-05 | $0.66 | $0.49 | -25.8% |
| 2025-08-06 | $0.70 | $0.68 | -2.9% |
| 2025-05-28 | $-0.26 | $-0.46 | -76.9% |
| 2025-02-05 | $0.18 | $0.36 | +97.4% |
Position Sizing Scenarios
Stop: $43.82 (-15%) | Entry: $51.55
| Shares | Cost | Profit to Target | R:R |
|---|---|---|---|
| To Consensus ($75.45, 2 analysts) | |||
| 10 | $515.50 | +$239.00 (46%) | 3.1R |
| 50 | $2,577.50 | +$1,195.00 (46%) | 3.1R |
| 100 | $5,155.00 | +$2,390.00 (46%) | 3.1R |
| To Fair Value ($67.50) | |||
| 10 | $515.50 | +$159.50 (31%) | 2.1R |
| 50 | $2,577.50 | +$797.50 (31%) | 2.1R |
| 100 | $5,155.00 | +$1,595.00 (31%) | 2.1R |
Risk Factors
- No elevated risk flags in current data
The Verdict
U-Haul Holding Company holds a weak competitive moat and trades at a 30.9% discount to fair value.
Quantitative Grade
A single score combining all analytical layers below. A is strongest, D is weakest.
C
Quant Score
49.5
Risk Grade
LOW_RISK
Layers
8
Risk Profile
How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.
VaR 95%
-2.8%
worst expected daily loss, 19 in 20 days
CVaR 95%
-4.2%
avg loss on the worst 5% of days
Annual Volatility
—
Sortino Ratio
-0.51
above 1.0 is good
Max Drawdown
-46.2%
Worst Day
—
Forward Outlook
Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.
30d Prob Up
—
90d Prob Up
—
Median Return 30d
—
Liquidity Score
67
Liquidity Grade
LIQUID
Trend & Momentum
What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?
Kalman Trend
—
Trend Strength
—
Momentum Signal
—
HMM Regime
—
RSI Signal
—
Technical Signals
Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.
MA Crossover
BELOW_200
Bollinger Position
UPPER_HALF
Beta
—
Relative Volume
1.0x
Short Interest
—
Financial Health
Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.
Altman Z-Score
—
—
below 1.81 = distress zone
Piotroski F-Score
—
Earnings Beat Rate
12.5%
Earnings Consistency
—
Correlations
These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.
Most Correlated
| Ticker | Correlation |
|---|---|
| XLB | 0.603 |
| NDSN | 0.588 |
| IWM | 0.585 |
| BCC | 0.583 |
| AVNT | 0.572 |
Inverse Correlated
| Ticker | Correlation |
|---|---|
| 4326.SR | -0.244 |
| MCK | -0.235 |
| SUKOON.AE | -0.162 |
| LBRX | -0.155 |
| LPTVQ | -0.148 |
Seasonality
Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.
Best Day
Friday
Worst Day
Thursday
Best Month
Jan
Worst Month
Feb
Fri-Mon Effect
0.11666024788559304
Earnings Drift
After this company beats earnings, does the price keep going up? Drift tracks post-earnings momentum.
Avg Drift After Beat
-3.1%
Beat Drift Positive %
0.0%
Consistency
—
Momentum Rankings
How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.
1M Return
-2.8%
3M Return
+0.0%
6M Return
+3.8%
12M Return
-17.1%
Momentum Rank
#3022
Momentum Signal
FLAT