U-Haul Holding (UHAL) Fair Value & Analysis
Industrials · US · Market cap $13.2B
U-Haul Holding
UHAL · US
Fair value as of: Jul 12, 2026
From 14 valuation models · updated 26 days ago
Fair value updated Jul 12, 2026, revised from $10.22 to $7.21 (−29.5%) since Jun 24, 2026. Share price +12.7% over the past month.
A solid business, but screening 90% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case ($11.13). The favourable scenario is already priced in.
- Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 12, 2026.
How to read this chart
60‑month range $42.19 – $78.40 · fair‑value band $6.68 – $11.13 · the $75.10 price screens above the $7.21 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 12, 2026.
Analysis
U-Haul Holding (UHAL) currently trades at $75.10, while our model-based Fair Value estimate is $7.21, implying the stock looks roughly 90.4% overvalued today. We read business quality at 51/100 (solid quality), in the Industrials sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).
Over the trailing twelve months, U-Haul Holding generated revenue of $6.0B at a net margin of 1.4%. Revenue grew 3.1% year over year. It earns a return on equity of 1.1%. Net debt stands at $7.0B. Fundamentals as of Jul 12, 2026
Our scenario range runs from $6.68 (bear case) to $11.13 (bull case); at $75.10, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 79% above its 52-week low, currently above its 200-day average. For context, the median of 10 Industrials peers we cover trades at -10% fair-value upside, at -90%, UHAL screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 14 models by family
Widest divergence: Asset-Based ($26.01) versus Economic Profit ($0.1100). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 12, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 43 · Market factors (momentum, volatility) 72
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
U-Haul Holding 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.
UHAL screens 90% overvalued. Compare with United Rentals, Inc →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Spokane Fires: U-Haul Offers Disaster Relief to Evacuees and Impacted Residents
- U-Haul Migration Trends: 2026 Midyear Report
- Appleton Tornado Recovery: U-Haul Offers 30 Days Free Storage in Wisconsin
- U-Haul Extends 30 Days Free Storage Offer at All 60 Chicagoland Stores after Damaging Storms
Peer Group
Rental & Leasing Services · 96 stocks
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.
Valuation Multiples vs Rental & Leasing Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Rental & Leasing Services stocks, each showing price versus our Fair Value estimate (as of Jul 12, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| United Rentals, Inc URI | $1,045 | $449.86 | -57% |
| Sunbelt Rentals Holdings SUNB | $73.41 | $65.76 | -10% |
| AerCap Holdings AER | $146.97 | $301.51 | +105% |
| Ryder System, Inc R | $273.06 | $111.57 | -59% |
| Localiza Rent a Car S.A RENT3 | R$40.35 | R$37.01 | -8% |
| Element Fleet Management Corp EFN | C$29.83 | C$15.06 | -50% |
| BOC Aviation Limited 2588 | HK$77.40 | HK$18.61 | -76% |
| GATX Corporation GATX | $178.48 | $140.90 | -21% |
| Avis Budget Group CAR | $156.35 | $157.38 | +1% |
| WillScot Holdings WSC | $27.25 | $43.19 | +58% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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