U-Haul Holding Company (UHAL) fair value: what the stock is really worth
We calculate from audited financials what U-Haul Holding Company is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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U-Haul Holding Company
UHAL · USStructural break: The valuation model sees a lasting decline in earnings power for this stock, the confidence band is broken. Treat the target with caution.
Weakest SetupStrongly overvalued and low quality.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 18, 2026.
How to read this chart
60‑month range $42.19 – $78.40 · fair‑value band $6.68 – $11.13 · the $63.43 price screens above the $7.57 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 18, 2026.
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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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. 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 $63.43, while our model-based Fair Value estimate is $7.57, implying the stock looks roughly 738.2% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $26.01 per share, and 1 of the 14 models we run sit above the $63.43 price.
Bear case: the Earnings-Based group reads lowest at $2.25, and 13 of the 14 models stay below the price. Evidence for this calculation is low.
Scenario range: $6.68 (bear) to $11.13 (bull), the price of $63.43 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 $13.5B · P/E ratio 280.6 · P/S ratio 3.86 · EPS (TTM) $0.2400 · Dividend yield 0.3% · Net margin 1.4% · Return on equity 1.1% · Return on assets (EBIT) 5.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 2% below its 52-week high and 51% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −9% fair-value upside, at −88%, UHAL screens richer than that median.
Fair Value models
All 14 models by family
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Set up alert →Quality Score breakdown
Of which business quality 43 · Market factors (momentum, volatility) 62
Revenue & earnings trend
UHAL screens 738% overvalued. Compare with United Rentals, Inc →
Earlier news
- UHAL: U-Haul Reported 1Q FY2027 Financial Results
- Hawk Fire: U-Haul Offers Disaster Relief to Reno Area Evacuees
- U-Haul Holding Company Announces Quarterly Cash Dividend
- U-Haul Holding Company Announces Twentieth Annual Virtual Analyst and Investor Meeting
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 · 94 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)
- 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 |
|---|---|---|---|
| United Rentals, Inc URI | $989.13 | $367.77 | −63% |
| Sunbelt Rentals Holdings SUNB | $72.35 | $65.76 | −9% |
| AerCap Holdings AER | $142.21 | $301.51 | +112% |
| Ryder System, Inc R | $237.96 | $99.68 | −58% |
| Element Fleet Management Corp EFN | C$24.80 | C$21.07 | −15% |
| BOC Aviation Limited 2588 | HK$71.60 | HK$146.01 | +104% |
| GATX Corporation GATX | $177.63 | $128.33 | −28% |
| Avis Budget Group CAR | $115.24 | $158.94 | +38% |
| WillScot Holdings WSC | $18.31 | $43.19 | +136% |
| EquipmentShare.com Inc EQPT | $18.37 | $3.91 | −79% |
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Frequently asked questions
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Key figures of U-Haul Holding Company
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