Industrials · Rental & Leasing Services
Price
$67.58
Market Cap
$12.8B
Employees
17,836
Beta
1.14
Avg Volume
255,046
CEO
Edward Joseph Shoen
Business Description
U-Haul Holding Company specializes in providing self-service moving and storage solutions for both residential and commercial clients across the United States and Canada. Its core business, the Moving and Storage segment, offers a comprehensive range of rental equipment, including trucks, trailers, and portable storage units. The company also rents specialty items and self-storage spaces, primarily catering to individuals relocating their households. Customers can also purchase essential moving supplies, towing accessories, and propane. U-Haul operates uhaul.com, an online platform that connects consumers with independent moving assistance and self-storage facility partners. This segment further provides vehicle transportation options, such as auto carriers and tow dollies, and sells specialized packing materials for delicate goods like electronics, alongside standard tapes, security locks, and general packing supplies. This extensive array of products and services is distributed through a vast network comprising approximately 2,100 company-owned retail moving centers and about 21,100 independent U-Haul dealerships. As of March 31, 2022, the company maintained an impressive rental fleet, including roughly 186,000 trucks, 128,000 trailers, and 46,000 towing devices. Its self-storage portfolio encompassed 1,844 locations, offering approximately 876,000 rentable storage units. The Property and Casualty Insurance segment handles loss adjusting and claims. It offers a suite of protection plans, such as the Safemove and Safetow packages, which provide moving and towing customers with benefits like damage waivers, cargo protection, and even medical and life insurance. Additionally, Safestor and Safestor Mobile safeguard customers' belongings in storage, while Safemove Plus offers an extra layer of primary liability protection for rental customers. A separate Life Insurance segment focuses on the senior market, delivering life and health insurance products through direct underwriting and by reinsuring policies like life insurance, Medicare supplements, and annuities. Founded in 1945 as AMERCO, U-Haul Holding Company is headquartered in Reno, Nevada.
Business History
Price Overview
Price at report time · Jul 5, 4:09am (0m ago)
$67.58
Change · Jul 5
+1.12 (+1.69%)
Day Range
$66.48 – $67.65
52-Week Range
$41.95 – $67.65
50-Day MA
$56.48
200-Day MA
$53.46
Volume
180,364.00
Right now · live
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Real-time — the change above is the move since the report (over 0m).
Analyst Price Targets
Low
$80.00
Consensus
$80.00
High
$80.00
(1 analysts)
Share Structure
Outstanding
189,977,885.00
Float
74,276,413.00
Free Float
39.1%
Moderate free float
— 39.1% of shares trade freely, ~60.9% held by insiders/institutions
Reasonable but insiders still hold a significant stake. This can be positive (skin in the game) but may limit liquidity during sell-offs.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
233.88
Stock Price: $67.58
EPS (Diluted): 0.24
EPS (Diluted): 0.24
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
1.23
Stock Price: $67.58
Total Equity: $7.61B
Shares: 196,077,880
Total Equity: $7.61B
Shares: 196,077,880
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
11.21
Market Cap: $12.84B
Total Debt: $8.09B
Cash: $1.12B
EBITDA: $1.76B
Total Debt: $8.09B
Cash: $1.12B
EBITDA: $1.76B
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$16.4B
Market Cap: $12.84B
Total Debt: $8.09B
Cash: $1.12B
Total Debt: $8.09B
Cash: $1.12B
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
85.8%
Gross Profit: $5.18B
Revenue: $6.04B
Revenue: $6.04B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
7.6%
Operating Income: $460.88M
Revenue: $6.04B
Revenue: $6.04B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
1.4%
Net Income: $83.13M
Revenue: $6.04B
Revenue: $6.04B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
0.7%
Net Income: $83.13M
Total Equity: $7.61B
Total Equity: $7.61B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
1.6%
Operating Income: $460.88M
Tax Rate: 26.2%
Equity: $7.61B
Total Debt: $8.09B
Cash: $1.12B
Tax Rate: 26.2%
Equity: $7.61B
Total Debt: $8.09B
Cash: $1.12B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
1.92
Current Assets: $1.65B
Current Liabilities: $859.78M
Current Liabilities: $859.78M
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
1.06
Short-Term Debt: $9.49M
Long-Term Debt: $8.08B
Total Debt: $8.09B
Total Equity: $7.61B
Long-Term Debt: $8.08B
Total Debt: $8.09B
Total Equity: $7.61B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$30.79
Revenue: $6.04B
Shares: 196,077,880
Shares: 196,077,880
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$38.82
Total Equity: $7.61B
Shares: 196,077,880
Shares: 196,077,880
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$-6.93
Operating CF: $1.79B
CapEx: -$3.15B
Shares: 196,077,880
CapEx: -$3.15B
Shares: 196,077,880
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
0.4%
Last Dividend: N/A
Stock Price: $67.58
Stock Price: $67.58
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $83.13M
Net Income: $83.13M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares UHAL against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jul 5, 2026 4:09am (just now)| Metric | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|
| Revenue | $5.7B | $5.9B | $5.6B | $5.8B | $6.0B |
| Cost of Revenue | $4.3B | $843.4M | $792.7M | $824.3M | $855.3M |
| Gross Profit | $1.5B | $5.0B | $4.8B | $5.0B | $5.2B |
| Operating Expenses | $33.9M | $3.6B | $3.9B | $4.3B | $4.7B |
| Operating Income | $1.4B | $1.4B | $977.8M | $716.2M | $460.9M |
| Net Income | $1.1B | $890.7M | $596.9M | $331.8M | $83.1M |
| EBITDA | $2.3B | $2.2B | $1.9B | $1.8B | $1.8B |
| EPS | $57.29 | $4.54 | $3.04 | $1.69 | $0.24 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jul 5, 2026 4:09am (just now)| Metric | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|
| Cash & Equivalents | $2.7B | $2.1B | $1.5B | $988.8M | $1.1B |
| Total Current Assets | $3.5B | $3.4B | $2.8B | $2.5B | $1.6B |
| Total Assets | $17.3B | $18.1B | $19.1B | $20.5B | $22.0B |
| Current Liabilities | $1.6B | $1.7B | $1.7B | $1.7B | $859.8M |
| Long-Term Debt | $4.7B | $4.6B | $4.4B | $5.2B | $8.1B |
| Total Liabilities | $11.3B | $11.6B | $11.9B | $13.0B | $14.4B |
| Total Equity | $6.0B | $6.5B | $7.2B | $7.5B | $7.6B |
| Retained Earnings | $6.1B | $7.0B | $7.6B | $7.9B | $8.0B |
Cash Flow (Annual)
Last updated: Jul 5, 2026 4:09am (just now)| Metric | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | $1.9B | $1.7B | $1.5B | $1.5B | $1.8B |
| Capital Expenditure | -$2.1B | -$2.7B | -$3.0B | -$3.5B | -$3.2B |
| Free Cash Flow | -$190.3M | -$994.3M | -$1.5B | -$2.0B | -$1.4B |
| Acquisitions (net) | $623.2M | $701.3M | $739.2M | $662.4M | $710.3M |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | $0 | $0 | $0 | $0 | $0 |
| Net Change in Cash | $1.5B | -$643.6M | -$526.0M | -$545.7M | $131.3M |
Analyst Estimates (Annual)
Last updated: Jul 5, 2026 4:09am (just now)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$5.7B $5.7B – $5.8B
|
$6.0B $6.0B – $6.0B
|
$6.3B $6.3B – $6.3B
|
$6.5B $6.4B – $6.5B
|
| EBITDA |
$2.0B $2.0B – $2.0B
|
$2.1B $2.1B – $2.1B
|
$2.2B $2.1B – $2.2B
|
$2.2B $2.2B – $2.2B
|
| Net Income |
$400.0M $398.5M – $401.5M
|
$65.7M $65.4M – $65.9M
|
$226.5M $225.6M – $227.3M
|
$415.7M $414.1M – $417.2M
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jul 5, 2026 4:09am (just now)| Metric | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|
| Revenue Growth | +2.2% | -4.1% | +3.6% | +3.6% |
| Gross Profit Growth | +243.8% | -3.7% | +3.5% | +3.6% |
| Operating Income Growth | +1.3% | -32.4% | -26.8% | -35.6% |
| Net Income Growth | -20.7% | -33.0% | -44.4% | -74.9% |
| EBITDA Growth | -6.1% | -11.7% | -9.4% | +0.3% |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2025-11-20 | SHOEN MARK V | G-Gift | 4,578.00 | $0.00 | $0 |
| 2025-09-18 | SHOEN EDWARD J | P-Purchase | 229,515.00 | $11.80 | $2.7M |
| 2025-09-18 | SHOEN MARK V | P-Purchase | 229,515.00 | $11.80 | $2.7M |
| 2025-09-18 | SHOEN MARK V | J-Other | 229,515.00 | $11.80 | $2.7M |
| 2025-09-18 | Willow Grove Holdings LP | P-Purchase | 229,515.00 | $11.80 | $2.7M |
| 2025-02-26 | SHOEN MARK V | S-Sale | 12,500.00 | $65.03 | $812,885 |
| 2025-02-20 | SHOEN MARK V | S-Sale | 12,377.00 | $65.86 | $815,103 |
| 2025-02-20 | SHOEN MARK V | S-Sale | 123.00 | $66.40 | $8,167 |
| 2025-02-21 | SHOEN MARK V | S-Sale | 97.00 | $65.33 | $6,337 |
| 2025-02-21 | SHOEN MARK V | S-Sale | 192.00 | $66.03 | $12,677 |
| 2024-12-16 | SHOEN MARK V | G-Gift | 1,520.00 | $0.00 | $0 |
| 2024-12-18 | SHOEN MARK V | G-Gift | 752.00 | $0.00 | $0 |
| 2024-08-16 | SHOEN EDWARD J | J-Other | 680,000.00 | $0.00 | $0 |
| 2024-08-16 | Willow Grove Holdings LP | J-Other | 680,000.00 | $0.00 | $0 |
| 2024-08-16 | SHOEN MARK V | J-Other | 680,000.00 | $0.00 | $0 |
| 2024-08-16 | SHOEN MARK V | J-Other | 680,000.00 | $0.00 | $0 |
| 2024-01-03 | Ducey Douglas Anthony | 0.00 | $0.00 | $0 | |
| 2023-11-16 | Willow Grove Holdings LP | J-Other | 132,500.00 | $0.00 | $0 |
| 2023-11-16 | SHOEN MARK V | J-Other | 132,500.00 | $0.00 | $0 |
| 2023-11-16 | SHOEN MARK V | P-Purchase | 132,500.00 | $52.43 | $6.9M |
Dividend History (Last 20)
Last updated: Jul 5, 2026 4:09am (just now)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2022-09-02 | $0.50 | 2022-08-19 | 2022-09-06 | 2022-09-20 |
| 2022-04-14 | $0.50 | 2022-04-06 | 2022-04-18 | 2022-04-29 |
| 2021-10-15 | $0.50 | 2021-10-06 | 2021-10-18 | 2021-10-29 |
| 2021-09-03 | $0.50 | 2021-08-19 | 2021-09-07 | 2021-09-21 |
| 2021-06-23 | $0.50 | 2021-06-09 | 2021-06-24 | 2021-07-08 |
| 2020-12-18 | $20.00 | 2020-12-21 | 2020-12-30 | |
| 2020-09-03 | $0.50 | 2020-08-20 | 2020-09-07 | 2020-09-21 |
| 2019-12-18 | $0.50 | 2019-12-04 | 2019-12-19 | 2020-01-06 |
| 2019-09-06 | $0.50 | 2019-08-22 | 2019-09-09 | 2019-09-23 |
| 2019-03-20 | $0.50 | 2019-03-06 | 2019-03-21 | 2019-04-04 |
| 2018-12-19 | $0.50 | 2018-12-05 | 2018-12-20 | 2019-01-07 |
| 2018-09-07 | $0.50 | 2018-08-23 | 2018-09-10 | 2018-09-24 |
| 2018-06-20 | $0.50 | 2018-06-06 | 2018-06-21 | 2018-07-05 |
| 2018-03-22 | $0.50 | 2018-03-08 | 2018-03-23 | 2018-04-06 |
| 2017-12-20 | $0.50 | 2017-12-11 | 2017-12-21 | 2018-01-05 |
| 2017-07-18 | $1.00 | 2017-07-05 | 2017-07-20 | 2017-08-03 |
| 2017-02-21 | $1.00 | 2017-02-08 | 2017-02-23 | 2017-03-09 |
| 2016-10-18 | $1.00 | 2016-10-05 | 2016-10-20 | 2016-11-03 |
| 2016-04-01 | $1.00 | 2016-03-15 | 2016-04-05 | 2016-04-21 |
| 2015-09-14 | $3.00 | 2015-08-28 | 2015-09-16 | 2015-10-02 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for UHAL — it's generated by the pipeline (
market-narrative step).
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Be the first — hit How to Contribute, have any AI review this page, and paste its take back here.
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.377 · 1648bd22 · 2026-07-04 14:36:23