U-Haul Holding Company

UHAL-B

Rental & Leasing Services · Industrials

Exchange

New York Stock Exchange

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Good

Growth

Weak

Cash Flow

Good

Stability

Mixed

Valuation

Good

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Winston Score History

The full picture

U-Haul Holding Company rents moving trucks, trailers, and storage units to everyday people and small businesses across North America. Its orange-and-white trucks are one of the most recognized brands in the moving industry, and the company also sells moving supplies like boxes and packing materials. U-Haul operates one of the largest do-it-yourself moving networks in the United States and Canada.

The company earns money through rental fees, storage unit subscriptions, and product sales at thousands of dealer locations and company-owned stores. Its massive fleet and network of over 23,000 locations give it a scale advantage that is difficult for smaller competitors to match. However, U-Haul faces real risks from slowing housing market activity, since fewer home sales and moves directly reduce demand for its trucks and storage units. The UHAL-B shares are a separate share class with no voting rights, which is an important structural detail for investors to understand.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+3.1% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-50.6% YoY

YoY Growth Rate

Earnings declining

Insider Activity

48.8%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

~9 months

$4.4B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Short runway — potential dilution ahead through share issuance

Cash watch

U-Haul Holding Company has less than a year of cash at its current burn rate. Growth investors should watch for potential share dilution from future fundraising — that directly reduces your ownership.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

95.7%

Premium pricing power — 95.7% gross margin

Profit after running costs

Operating Margin

14.9%

Healthy — 14.9% operating margin

Return on the money invested

ROCE

2.7%

Weak — 2.7% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales growth

Sales YoY

+3.0%

Slow sales growth (+3.0% YoY)

Profit growth

EPS YoY

-86.6%

Earnings shrinking (-86.6% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

0/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Profit that turns into cash

Cash Conversion

3964%

Turns 3964% of profit into real cash

Spare cash per sale

FCF Margin

-62.8%

Burning cash (-62.8%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

What it owes vs what it owns

Debt / Equity

1.06

Elevated debt (1.06)

Covers its interest

Interest Cover

1.10x

Dangerous — barely covers interest (1.1x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

Price vs profit

P/E Ratio (TTM)

375.8x

no trend

Expensive — P/E 375.8

P/E over 35. The market is pricing in heavy, sustained growth.

Cheaper or dearer next year

P/E vs Forward

+318.1

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (375.8 → 57.7)

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Dividends

Not applicable for this business.

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