U-Haul Holding Company (UHAL) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of U-Haul Holding Company stock $8.90, price $58.88, that is 84.9% below the price, quality 43 out of 100. Rating: strongly overvalued. Calculated from audited financials with 16 of our 26 valuation models and 37 quality factors, updated daily.
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U-Haul Holding Company
UHAL · USOur calculation puts a fair price 85% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $42.19 – $78.40 · fair‑value band $6.68 – $14.23 · the $58.88 price screens above the $8.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Company profile
U-Haul Holding Company operates as a do-it-yourself moving and storage operator for household and commercial goods in the United States and Canada. It operates through three segments: Moving and Storage, Property and Casualty Insurance, and Life Insurance.
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It rents trucks, trailers, fixed and portable moving and storage units, specialty rental items, and self-storage spaces primarily to the household movers; and sells moving supplies, towing accessories, and propane.
The company also provides uhaul.com, an online marketplace that connects consumers to independent moving help service providers and independent self-storage affiliates; auto transport and toy hauler, and tow dolly options to transport the vehicles; and specialty boxes for dishes, computers, flat screen television, sensitive electronic equipment, tapes, security locks, and packing supplies.
In addition, it rents self-moving products and services through a network of managed retail stores and independent U-Haul dealers, as well as rents equipment.
Further, the company provides moving and storage protection packages, such as Safemove and Safetow packages, which offer moving and towing customers with a damage waiver, cargo protection, and medical and life insurance coverage; Safestor that protects storage and U-Box customers from loss on their goods in storage; Safehaul, which protect customers' belongings in transit through its U-Box portable moving and storage units; Safemove Plus, which provides rental customers with a layer of primary liability protection; Safetrip, a supplemental roadside protection for the customers equipment; and loss adjusting and claims handling services.
Additionally, it offers life and health insurance products primarily to the senior market through the direct writing and reinsuring of life insurance, Medicare supplement, and annuity policies. The company was formerly known as AMERCO and changed its name to U-Haul Holding Company in December 2022.
U-Haul Holding Company was founded in 1945 and is based in Reno, Nevada.
Stock analysis
U-Haul Holding Company (UHAL) currently trades at $58.88, while our model-based Fair Value estimate is $8.90, 85% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $26.01 per share, and 2 of the 13 models we run sit above the $58.88 price.
Bear case: the Earnings-Based group reads lowest at $2.25, and 11 of the 13 models stay below the price. Data coverage for this calculation is low.
Scenario range: $6.68 (bear) to $14.23 (bull), the price of $58.88 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 43/100 (below-average quality), in the Industrials sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
U-Haul Holding Company reported revenue of $6.0B in FY2026 versus $5.7B in FY2022, a compound +1.3%/yr. Reported net income was $83.1M in FY2026, compounding −47.8%/yr from FY2022.
Key figures
Market cap $11.5B Large · P/E ratio 189.9 · P/S ratio 1.90 · EPS (TTM) $0.3100 · Dividend yield 0.3% · Net margin 1.1% · Return on equity 0.8% · Return on assets (EBIT) 5.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 34 out of 100 (medium confidence).
What moves the price
The share trades about 22% below its 52-week high and 40% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −2% fair-value upside, at −85%, UHAL screens richer than that median.
Fair Value models
All 16 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, no officer or director bought or sold shares on the open market.
- SaleMark Shoen V10% owner4× since Oct 26, 2026: 184,000 shares, avg. $50.56$9.3MNov 4, 202610b5-1 plan
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 5, 2026. All filings at the SEC ↗
Revenue & earnings trend
UHAL screens overvalued: fair value 85% below the price. Compare with United Rentals, Inc →
Recent news
- Arizona Flooding: U-Haul Offers Disaster Relief at 94 Stores Statewide
- U-Haul of Branson Opens Solar-Powered, Off-Grid Propane Station
- U-Haul Holding Company Schedules Second Quarter Fiscal 2027 Financial Results Release and Investor Webcast
- U-Haul VP Steve Dudley Named Honorary Commander at Luke AFB
Compare U-Haul Holding Company with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Rental & Leasing Services · 86 stocks
Valuation Multiplesvs Rental & Leasing Services median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Industrials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- PEG ratio by industry
- Revenue growth by industry
- PEG screener for stocks with fair value
- Undervalued stocks: Industrials
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Rental & Leasing Services stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| WillScot Holdings WSC | $17.84 | $43.14 | +142% | vs UHAL |
| BOC Aviation Limited 2588 | HK$79.95 | HK$146.04 | +83% | vs UHAL |
| AerCap Holdings AER | $166.17 | $198.34 | +19% | vs UHAL |
| Element Fleet Management Corp EFN | C$19.46 | C$21.01 | +8% | vs UHAL |
| Sixt SE SIX2 | €76.20 | €74.96 | −2% | vs UHAL |
| Sunbelt Rentals Holdings SUNB | $76.13 | $65.76 | −14% | vs UHAL |
| GATX Corporation GATX | $186.42 | $129.05 | −31% | vs UHAL |
| Ryder System, Inc R | $270.16 | $161.31 | −40% | vs UHAL |
| United Rentals, Inc URI | $1,044 | $436.95 | −58% | vs UHAL |
| EquipmentShare.com Inc EQPT | $13.67 | $5.43 | −60% | vs UHAL |
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Frequently asked questions
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Key figures of U-Haul Holding Company
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