U-Haul Holding (UHAL-B) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of U-Haul Holding $7.57, price $54.34, upside -86.1%, quality 43 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 30, 2026.
How to read this chart
47‑month range $39.87 – $72.73 · fair‑value band $6.68 – $11.13 · the $54.34 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 30, 2026.
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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.
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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 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, 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, and 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 to senior market through 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 (UHAL-B) currently trades at $54.34, while our model-based Fair Value estimate is $7.57, 86.1% 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 1 of the 14 models we run sit above the $54.34 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 $54.34 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 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 $10.7B · P/E ratio 397.5 · P/S ratio 5.47 · EPS (TTM) $0.1400 · Dividend yield 0.3% · Net margin 1.4% · Return on equity 0.8% · Return on assets (EBIT) 5.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 39 out of 100 (medium confidence).
What moves the price
The share trades about 18% below its 52-week high and 36% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −11% fair-value upside, at −86%, UHAL-B screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely ($0.1100 to $86.79). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear $6.68Fair Value $7.57Bull $11.13
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then ($0.0713 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.33/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+3.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.0%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.9%
Start year 2021 (pandemic). Over 10 years: +6.3% a year
Revenue growth 32 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−40.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−40.6%
Dividend (yield on the price)0.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−40.6% vs −14.5%, slowing
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.21% → 8%
News mood ⓘNews mood, the average tone of recent news (96 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
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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 · 88 stocks
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "U-Haul Holding Fair Value". https://www.fairvalue-calculator.com/stock/UHAL-B
Frequently asked questions
Is U-Haul Holding (UHAL-B) overvalued or undervalued?
As of Sep 30, 2026, our model estimates a fair value of $7.57 versus a price of $54.34, about −86% upside (overvalued).
What is the fair value of UHAL-B?
Our model-based fair value for U-Haul Holding is $7.57 (as of Sep 30, 2026), built from audited fundamentals. The current price: $54.34.
What is the quality score of UHAL-B?
U-Haul Holding has a Quality Score of 43/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for U-Haul Holding (UHAL-B)?
Our model-based price target is the fair value of $7.57 (as of Sep 30, 2026) from 14 valuation models. Cautious scenario $6.68, optimistic scenario $11.13. It is a calculation from audited fundamentals, not an analyst target.
What is the U-Haul Holding stock forecast for 2026?
Our models put fair value at $7.57, about −86% upside versus a price of $54.34 (overvalued). Cautious scenario $6.68, optimistic scenario $11.13. The calculation is refreshed regularly with new filings.
What is the revenue of U-Haul Holding (UHAL-B)?
U-Haul Holding reported trailing-twelve-month revenue of about $6.1B (latest available figure, as of Sep 30, 2026).
Does U-Haul Holding pay a dividend?
U-Haul Holding currently shows a dividend yield of about 0.32% relative to its recent price (as of Sep 30, 2026).
What is the intrinsic value of U-Haul Holding (UHAL-B)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For U-Haul Holding it is $7.57 per share (as of Sep 30, 2026), against a price of $54.34. It is the blended result of 14 valuation models (cash flow, earnings, asset, dividend).
Is U-Haul Holding stock overvalued or undervalued in 2026?
As of Sep 30, 2026, UHAL-B trades above its calculated fair value: price $54.34, fair value $7.57, a gap of about −86% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of UHAL-B?
No. The price is what the market pays today ($54.34); the fair value is what the company's own numbers justify ($7.57). For U-Haul Holding the two are $46.77 per share apart. That gap is exactly why we show both numbers side by side.
How much is U-Haul Holding worth?
The market values U-Haul Holding at about $10.7B (market capitalisation, as of Sep 30, 2026). Per share that is $54.34; our models calculate a fair value of $7.57 per share.
What do the bullish and bearish scenarios say about UHAL-B?
Our models span a range for U-Haul Holding: cautious scenario $6.68, base $7.57, optimistic $11.13 per share (as of Sep 30, 2026, price $54.34). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of UHAL-B?
U-Haul Holding trades at a price-to-earnings ratio of 397.5 (as of Sep 30, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $7.57 is built from several models across several years. Other multiples: P/B 1.4, P/S 1.7, EV/EBITDA 20.0.
How solid is the balance sheet of U-Haul Holding (UHAL-B)?
Balance-sheet figures for U-Haul Holding (as of Sep 30, 2026): return on equity 0.8%, debt of 0.75 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is UHAL-B from its 52-week high?
U-Haul Holding trades at $54.34, about 18% below its 52-week high of $66.02 and 36% above the low of $39.87 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $7.57 is for.
Which stocks are comparable to U-Haul Holding?
From the same area (Industrials) we also value United Rentals, Inc, Sunbelt Rentals Holdings, AerCap Holdings, Ryder System, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is U-Haul Holding stock attractive at the current price?
The data as of Sep 30, 2026: price $54.34, calculated fair value $7.57 (−86%), Quality Score 43/100, from 14 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of UHAL-B calculated?
We run U-Haul Holding through 14 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $7.57, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. U-Haul Holding itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of U-Haul Holding (UHAL-B)?
The closing price on Oct 2, 2026 was $54.34. Our model-based fair value is $7.57, about −86% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with U-Haul Holding right now?
The price sits above even our optimistic bull case ($11.13). The favourable scenario is already priced in. Weak quality (43/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Where does the earnings growth of U-Haul Holding (UHAL-B) come from?
Earnings per share at U-Haul Holding grew −2.3 % a year from 2015 to 2026. Broken into its drivers: revenue per share +6.7 %, EBIT margin −6.8 %, tax rate +1.7 %, residual (interest, one-offs) −3.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of U-Haul Holding
How large is the market capitalisation of U-Haul Holding (UHAL-B)?
The market capitalisation of U-Haul Holding is $10.7B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of U-Haul Holding (UHAL-B)?
The price-to-sales ratio of U-Haul Holding is 5.47 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of U-Haul Holding (UHAL-B)?
Earnings per share at U-Haul Holding are $0.1400 (price ÷ EPS = P/E 397.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of U-Haul Holding (UHAL-B)?
The dividend yield of U-Haul Holding is 0.3% (payout 126%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of U-Haul Holding (UHAL-B)?
The net margin of U-Haul Holding is 1.4% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of U-Haul Holding (UHAL-B)?
The return on equity (ROE) of U-Haul Holding is 0.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of U-Haul Holding (UHAL-B)?
On an EBIT basis the return on assets of U-Haul Holding is 5.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of U-Haul Holding (UHAL-B)?
The operating margin of U-Haul Holding is 15.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at U-Haul Holding (UHAL-B)?
Revenue at U-Haul Holding is growing +3.2% versus a year earlier (3y avg +1.0%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at U-Haul Holding (UHAL-B)?
Earnings per share at U-Haul Holding are growing −13.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does U-Haul Holding (UHAL-B) generate?
The free cash flow of U-Haul Holding is −$1.4B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does U-Haul Holding (UHAL-B) carry?
The net debt of U-Haul Holding is $7.0B (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Sep 30, 2026