U-Haul (UHAL) Stock Analysis

November 11, 2026

This is a peer-relative look at U-Haul (UHAL): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Transportation peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for U-Haul (UHAL)
Profile Item	UHAL
Name	U-Haul Holding Company
Country/Region	United States
GICS Sector	Industrials
GICS Industry Group	Transportation
GICS Industry	Ground Transportation
GICS Sub-Industry	Cargo Ground Transportation
Market Capitalization	11.01 billion USD
Currency	USD
Exchange	NYSE
Listing Date	November 4, 1994
Security Type	Common Stock

Price Performance

Cumulative Growth

UHAL

GSPC

U-Haul (UHAL) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for U-Haul (UHAL) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for U-Haul (UHAL) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

U-Haul (UHAL) metric values compared with Transportation industry-group medians
Metric	Current stock: UHAL	Industry group median
Total Return (1Y)	7.10%	22.71%
Total Return (3Y, Annualized)	2.77%	14.66%
Total Return (5Y, Annualized)	-5.22%	3.98%

Risk Profile

Drawdown History

UHAL

GSPC

U-Haul (UHAL) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for U-Haul (UHAL) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

U-Haul (UHAL) metric values compared with Transportation industry-group medians
Metric	Current stock: UHAL	Industry group median
Volatility (1Y, Annualized)	34.63%	40.42%
Beta (5Y)	1.06	1.15
Max Drawdown (5Y)	-46.19%	-52.44%

Risk-Adjusted Performance

Risk-Return Positioning

Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. UHAL is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

U-Haul (UHAL) metric values compared with Transportation industry-group medians
Metric	Current stock: UHAL	Industry group median
Sharpe Ratio (1Y)	0.08	0.46
Sortino Ratio (1Y)	0.12	0.70

Profitability

ROE (TTM)

U-Haul (UHAL) posts ROE of 1.23%, in the lower peer quartile. Shareholders’ equity is not producing as much profit as it does at most peers, so margins, asset turns, or balance-sheet structure deserve a closer look.

UHAL

Transportation industry group

1.23%

Group distribution

Max: 45.08%
Q3: 22.02%
Median: 13.94%
Q1: 2.89%
UHAL: 1.23%
Min: -10.45%

Largest peers

UNP: 38.75%
UPS: 28.65%
CSX: 26.39%
CNI: 22.45%
UBER: 12.33%
CP: 8.27%
UHAL: 1.23%

Where U-Haul (UHAL) stands on ROE within its Transportation peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

U-Haul (UHAL) keeps 1.54% of revenue as net profit, in the lower peer quartile for net margin. More of each sales dollar is being absorbed by costs, financing, taxes, or other charges than at most peers.

UHAL

Transportation industry group

1.54%

Group distribution

Max: 50.36%
Q3: 21.18%
Median: 5.58%
Q1: 1.55%
UHAL: 1.54%
Min: -11.37%

Largest peers

UNP: 28.90%
CNI: 26.42%
CP: 24.14%
CSX: 23.97%
UBER: 6.13%
UPS: 4.84%
UHAL: 1.54%

Where U-Haul (UHAL) stands on net margin within its Transportation peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

U-Haul (UHAL) turns 14.92% of revenue into operating profit, roughly in line with the peer group’s normal operating margin range. Its core cost structure looks typical for the industry.

UHAL

Transportation industry group

14.92%

Group distribution

Max: 59.18%
Q3: 29.30%
UHAL: 14.92%
Median: 11.50%
Q1: 4.62%
Min: -8.91%

Largest peers

CNI: 41.52%
UNP: 41.34%
CSX: 39.26%
CP: 38.56%
UHAL: 14.92%
UBER: 9.80%
UPS: 9.28%

Where U-Haul (UHAL) stands on operating margin within its Transportation peer group — the box is the group’s distribution and the dots its largest members.

Profitability Metrics

U-Haul (UHAL) metric values compared with Transportation industry-group medians
Metric	Current stock: UHAL	Industry group median
ROE (TTM)	1.23%	13.94%
ROA (TTM)	1.39%	4.95%
Net Margin (TTM)	1.54%	5.58%
Operating Margin (TTM)	14.92%	11.50%
Gross Margin (TTM)	28.43%	27.25%

Growth

Revenue Growth

U-Haul (UHAL) grew revenue 3.59%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

U-Haul (UHAL): Revenue Growth across different time periods, set against Transportation industry-group medians.

EPS Growth

U-Haul (UHAL) grew earnings per share -85.80%, in the lower peer quartile. Per-share profits are advancing more slowly than at most peers, so margins, costs, or share count deserve a closer look.

U-Haul (UHAL): EPS Growth across different time periods, set against Transportation industry-group medians.

Growth Metrics

U-Haul (UHAL) metric values compared with Transportation industry-group medians
Metric	Current stock: UHAL	Industry group median
Revenue Growth (YoY)	3.59%	2.80%
Revenue Growth (3Y CAGR)	0.97%	1.66%
EPS Growth (YoY)	-85.80%	-10.61%
EPS Growth (3Y CAGR)	-64.88%	-7.47%

Financial Strength

Current Ratio (MRQ)

U-Haul (UHAL) has current ratio of 1.02, in the healthier middle range for its industry. The short-term asset cushion looks balanced relative to peers rather than stretched thin.

UHAL

Transportation industry group

1.02

Group distribution

Max: 2.58
Q3: 1.62
Median: 1.16
UHAL: 1.02
Q1: 0.78
Min: 0.22

Largest peers

UPS: 1.24
UBER: 1.23
UNP: 1.16
UHAL: 1.02
CSX: 0.84
CNI: 0.82
CP: 0.52

Where U-Haul (UHAL) stands on current ratio within its Transportation peer group — the box is the group’s distribution and the dots its largest members.

Debt / Equity (MRQ)

U-Haul (UHAL) has debt-to-equity ratio of 1.07, roughly in line with the peer group’s normal leverage range. Its mix of debt and equity looks typical for the industry.

UHAL

Transportation industry group

1.07

Group distribution

Max: 2.75
Q3: 1.37
UHAL: 1.07
Median: 0.78
Q1: 0.35
Min: 0.00

Largest peers

UPS: 2.03
UNP: 1.41
CSX: 1.35
CNI: 1.09
UHAL: 1.07
UBER: 0.61
CP: 0.55

Where U-Haul (UHAL) stands on debt-to-equity ratio within its Transportation peer group — the box is the group’s distribution and the dots its largest members.

Financial Strength Metrics

U-Haul (UHAL) metric values compared with Transportation industry-group medians
Metric	Current stock: UHAL	Industry group median
Current Ratio (MRQ)	1.02	1.16
Debt / Equity (MRQ)	1.07	0.78
Net Debt / EBITDA	9.16	2.00

Dividends

Dividend Yield (TTM)

U-Haul (UHAL) pays no dividend, leaving dividend yield at 0.00% this period. Shareholders may still receive value through reinvestment or buybacks, but there is no dividend income to compare here.

UHAL

Transportation industry group

0.00%

Group distribution

Max: 4.68%
Q3: 1.99%
Median: 0.74%
UHAL: 0.00%
Q1: 0.00%
Min: 0.00%

Largest peers

UPS: 5.91%
CNI: 2.87%
UNP: 1.87%
CSX: 1.08%
CP: 1.06%
UHAL: 0.00%
UBER: 0.00%

Where U-Haul (UHAL) stands on dividend yield within its Transportation peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

U-Haul (UHAL) paid no earnings out as dividends this period, leaving payout ratio at 0.00%. There is no dividend payout to size against earnings.

UHAL

Transportation industry group

0.00%

Group distribution

Max: 100.89%
Q3: 41.68%
Median: 20.43%
UHAL: 0.00%
Q1: 0.00%
Min: 0.00%

Largest peers

UPS: 126.40%
CNI: 45.63%
UNP: 43.37%
CSX: 28.65%
CP: 22.91%
UHAL: 0.00%
UBER: 0.00%

Where U-Haul (UHAL) stands on payout ratio within its Transportation peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

U-Haul (UHAL) metric values compared with Transportation industry-group medians
Metric	Current stock: UHAL	Industry group median
Dividend Yield (TTM)	0.00%	0.74%
Dividend Payout Ratio (TTM)	0.00%	20.43%

Valuation

P/E Ratio (TTM)

U-Haul (UHAL) trades at P/E ratio of 183.03, above the peer range for its industry. The market is paying unusually heavily for TTM earnings relative to comparable companies.

UHAL

Transportation industry group

183.03

Group distribution

UHAL: 183.03
Max: 46.76
Q3: 30.87
Median: 20.58
Q1: 10.44
Min: 0.00

Largest peers

UHAL: 183.03
UBER: 40.35
CP: 29.54
CSX: 25.58
UNP: 22.63
CNI: 21.61
UPS: 20.87

Where U-Haul (UHAL) stands on P/E ratio within its Transportation peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

U-Haul (UHAL) trades at 1.79 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

UHAL

Transportation industry group

1.79

Group distribution

Max: 4.35
Q3: 2.07
UHAL: 1.79
Median: 0.93
Q1: 0.53
Min: 0.04

Largest peers

UNP: 6.54
CSX: 6.09
CP: 5.01
CNI: 4.05
UBER: 2.48
UHAL: 1.79
UPS: 1.01

Where U-Haul (UHAL) stands on P/S ratio within its Transportation peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

U-Haul (UHAL) trades at 1.40 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

UHAL

Transportation industry group

1.40

Group distribution

Max: 6.29
Q3: 3.39
Median: 1.90
UHAL: 1.40
Q1: 1.03
Min: -2.07

Largest peers

UNP: 7.83
CSX: 6.29
UPS: 6.15
UBER: 5.06
CNI: 4.77
CP: 2.46
UHAL: 1.40

Where U-Haul (UHAL) stands on P/B ratio within its Transportation peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

U-Haul (UHAL) metric values compared with Transportation industry-group medians
Metric	Current stock: UHAL	Industry group median
P/E Ratio (TTM)	183.03	20.58
P/S Ratio (TTM)	1.79	0.93
P/B Ratio (MRQ)	1.40	1.90
Free Cash Flow Yield (TTM)	-13.85%	3.36%