U-Haul Holding Company Series N Non-Voting (UHAL.B) AI Stock Analysis

U-Haul Holding Company Series N Non-Voting

(NYSE:UHAL.B)

Select Model

Rating:38Underperform

Price Target:$46.00▼(-9.25% Downside)

Action:reiterated

Date:10/24/26

The overall score is severely depressed by a near-total collapse in profitability and cash flow, with TTM net margins at just 0.8% and free cash flow barely positive. This fundamental deterioration is compounded by bearish technicals, with the stock trading below all major moving averages and weak momentum. An extreme P/E ratio of 292.95 on vanishing earnings adds further downside risk. The company's financial health is under significant strain, creating a high-risk profile for investors.

Positive Factors

Scaled Moving and Storage NetworkThe combination of company-operated locations, independent dealers, truck and trailer rentals, self-storage, supplies, and related services creates a broad operating platform. This established network can support customer convenience, cross-selling, and durable brand reach over the coming quarters.

Negative Factors

Material Margin CompressionSharp deterioration in net and operating margins means the company is retaining much less profit from each dollar of revenue. Unless pricing, costs, or both improve, sustained margin pressure could limit earnings recovery and reduce the benefit of continued top-line growth.

U-Haul Holding Company Series N Non-Voting (UHAL.B) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $9.98B
Dividend Yield: 0.39%
Average Volume (3M): 315.55K
Price to Earnings (P/E): 302.6
Beta (1Y): 0.79
Revenue Growth: 3.02%
EPS Growth: -89.75%
Country: US
Employees: 17,836
Sector: General
Sector Strength: 55
Industry: Rental & Leasing Services

U-Haul Holding Company Series N Non-Voting Business Overview & Revenue Model

Company Description

U-Haul Holding Company, originally named AMERCO and founded in 1945 in Reno, Nevada, stands as a prominent provider of self-service moving and storage solutions across the United States and Canada, serving both residential and business clients. The c...

U-Haul Holding Company Series N Non-Voting Financial Statement Overview

Summary

Financial performance is critically weak. The TTM gross margin has collapsed to 49.7%, net margin to 0.8%, and free cash flow is near zero. Rising debt and a 0.6% return on equity signal a high-risk, rapidly deteriorating financial profile.

Income Statement

35Negative

Balance Sheet

42Neutral

Cash Flow

30Negative

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	6.09B	6.04B	5.83B	5.63B	5.86B	5.74B
Gross Profit	3.03B	5.18B	5.00B	4.83B	5.02B	1.46B
EBITDA	1.68B	1.66B	1.75B	1.94B	2.19B	2.34B
Net Income	46.08M	83.13M	331.80M	596.94M	890.75M	1.12B
Balance Sheet
Total Assets	21.66B	22.01B	20.48B	19.06B	18.10B	17.30B
Cash, Cash Equivalents and Short-Term Investments	3.43B	1.12B	1.70B	2.06B	2.75B	2.74B
Total Debt	8.15B	8.12B	7.24B	6.33B	6.17B	7.19B
Total Liabilities	14.00B	14.40B	12.98B	11.89B	11.60B	11.35B
Stockholders Equity	7.66B	7.61B	7.50B	7.17B	6.50B	5.95B
Cash Flow
Free Cash Flow	6.19M	-1.36B	-2.00B	-1.54B	-994.29M	-190.30M
Operating Cash Flow	1.83B	1.79B	1.45B	1.45B	1.73B	1.95B
Investing Cash Flow	-2.07B	-2.26B	-2.89B	-2.05B	-2.42B	-1.87B
Financing Cash Flow	468.86M	594.63M	895.11M	66.53M	59.80M	1.43B

U-Haul Holding Company Series N Non-Voting Technical Analysis

Technical Analysis SentimentNeutral

Last Price50.69

Price Trends

50DMA54.36Negative

100DMA57.49Negative

200DMA52.40Negative

Market Momentum

MACD-1.34Negative

RSI45.49Neutral

STOCH62.45Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For UHAL.B, the sentiment is Neutral. The current price of 50.69 is above the 20-day moving average (MA) of 50.37, below the 50-day MA of 54.36, and below the 200-day MA of 52.40, indicating a neutral trend. The MACD of -1.34 indicates Negative momentum. The RSI at 45.49 is Neutral, neither overbought nor oversold. The STOCH value of 62.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for UHAL.B.

U-Haul Holding Company Series N Non-Voting Risk Analysis

U-Haul Holding Company Series N Non-Voting disclosed 21 risk factors in its most recent earnings report. U-Haul Holding Company Series N Non-Voting reported the most risks in the "Legal & Regulatory" category.

Legal & Regulatory - Litigation, compliance, new legislation, and taxation risks

Latest Risks Added

0 New Risks

U-Haul Holding Company Series N Non-Voting Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

UHAL.B against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
UHAL.B	38Underperform	$9.98B	302.63	―	0.39%	3.02%	-89.75%

* General Sector Average

Performance Comparison

UHAL.B and its peers over the selected period
Show on chart	Ticker	Company Name	Price	Change	% Change
	UHAL.B	U-Haul Holding Company Series N Non-Voting	50.69	2.40	4.97%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Oct 24, 2026

U-Haul Holding Company Series N Non-Voting AI Stock Analysis