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NEW YORK STOCK EXCHANGE, INC. · Road & Rail · CIK 0000004457
$55.76
-1.08% · delayed ~15 min
Last price from Oct 21, 2026
$10.93B market value
From U-Haul Holding Co /NV/'s FY2026 10-K, filed May 27, 2026 · read the filing
U-Haul Holding // repairs and services vehicles and equipment. It took in $761.5M last year, which makes it a smaller company. Of every dollar it sells, about 11 cents is left as profit.
The financial picture is mixed, with profitability, growth and debt needing attention.
A conclusion from the filings, not a recommendation. Detailed figures and supporting evidence appear in their dedicated sections below.
Financial health
A mixed picture — some clear strengths and some weaknesses.
From U-Haul Holding Co /NV/'s FY2026 annual filing · share price scored separately
Largest year-over-year changes in FY2026
Profit
$367.1M → $83.1M
Operating margin
97.4% → 56.8%
Profit margin
49.9% → 10.9%
Earnings per share
$1.87 → $0.42
Measured against FY2025, from the 10-K filed May 27, 2026
Deteriorated: -77.4%
$367.1M to $83.1MCritical
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
How the latest move compares (quote delayed ~15 min), and what was published around it
UHAL fell 1.08% on the latest quote. The S&P 500 moved −1.04%. That is in line with the market.
Expectations
Not from the filings — what other people are betting on, and what the price already assumes.
Opinions from 8 analysts covering this company, as of . Their views, not this site's.
Of 8 analysts publishing on this company, 2 say strong buy, 4 say buy and 2 say hold. Analysts are paid to publish a view and are wrong often; the split above says how much they agree with each other, which is the part a single headline rating hides.
Published by Finnhub. Analyst coverage skews towards larger companies and towards optimism — sell ratings are rare across the whole market, so a company with none is ordinary rather than endorsed.
The essentials
Each answered from the filings, with the numbers behind it.
Yes. It keeps about 11 cents of every dollar of sales as profit, earning $83.1M last year. Note that after $3.15B of spending on property and equipment, it consumed $1.36B more cash than it generated.
Slowly. Sales grew 3.6% last year.
Core operating and valuation reference metrics
Income
This company pays no dividend. It keeps its profits and reinvests them in the business instead, so any return would have to come from the share price.
Figures from the FY2026 annual filing
Last year it earned $83.1M and generated $1.79B of cash from operations.
Reported annual figures
As reported to the SEC, in USD. Hover or show sources to see where each figure came from.
| Income statement | FY202610-K · May 27, 2026Filing for FY2026 | FY202510-K · May 27, 2026Filing for FY2025 | FY202410-K · May 27, 2026Filing for FY2024 | FY202310-K · May 30, 2024Filing for FY2023 | FY202210-K · May 30, 2024Filing for FY2022 | ChangeFY2026 vs FY2025 |
|---|---|---|---|---|---|---|
| RevenueWhat is this? | $761.5M | $735.0M | $714.4M | $746.4M | $699.4M | +3.6% |
| Cost of revenue | $246.9M | $234.1M | $241.6M | $263.0M | $259.6M | +5.4% |
| Gross profit | $514.6M† | $500.8M† | $472.8M† | $483.4M† | $439.8M† | +2.7% |
| Gross marginGross profit ÷ revenueWhat is this? | 67.6% | 68.1% | 66.2% | 64.8% | 62.9% | −0.6 pts |
| Operating income | $432.6M | $716.2M | $977.8M | $1.45B | $1.65B | −39.6% |
| Operating marginOperating income ÷ revenueWhat is this? | 56.8% | 97.4% | 136.9% | 193.7% | 235.4% | −40.6 pts |
| Interest expense | $364.8M | $295.7M | $256.2M | $224.0M | $167.4M | +23.3% |
| Income before tax | $112.6M | $477.5M | $840.2M | $1.22B | $1.48B | −76.4% |
| Net income | $83.1M | $367.1M | $628.7M | $924.5M | $1.12B | −77.4% |
| Net marginNet income ÷ revenueWhat is this? | 10.9% | 49.9% | 88.0% | 123.9% | 160.8% | −39.0 pts |
| Earnings per shareNet income ÷ shares outstanding at the period end — close to, but not the same as, the reported EPSWhat is this? | $0.424 | $1.87 | $3.21 | — | $57.34 | −77.4% |
† calculated from other reported figures, such as total liabilities as assets minus equity.
This company's latest filing beside its peers' stored scores
| Company | Health | F-Score | Revenue growth | Profit margin | P/E | Debt to equity |
|---|---|---|---|---|---|---|
| UHALU-Haul Holding Co /NV/ · this page | 6.0/10 | 4/8 |
Insider activity, ownership stakes and what's coming — straight from EDGAR, before any article is written about it
Nothing recent
No insider trades, pending-sale notices or 5% stake filings from UHAL in the last few months. That is the ordinary case, not a gap.
Not investment advice, and not a signal to act on by itself — a filing says what happened, not why, and insiders trade for ordinary reasons having nothing to do with where they think the company is headed.
20 recent filings, newest first. Each is labelled from its form and item numbers, not from its wording.
Held a shareholder vote
Read the filingPublished results
Read the filingWrite down why you are following U-Haul Holding Co /NV/, what has to go right and what would change your mind, then see each new annual report measured against it. Sign in to start one.
Go deeper
Every figure above traces back to a filing in the timeline, each linked to the document itself.
The 317 subsidiaries named in its 10-K, incorporated across 51 places. A filer lists the significant ones and may leave the rest out, so this is the floor rather than the full count.
Every company's figures are checked for internal consistency: the balance sheet adding up, figures sharing one currency, cash flow and share counts within plausible ranges, and how recent the latest annual report is. Nothing here changes a figure.
Financial figures are from UHAL's 10-K for fiscal year 2026 (period ending 2026-03-31, filed May 27, 2026), reported under the US GAAP taxonomy. View the source filing.
3 of 4 scored areas had enough reported figures to judge
The score averages profitability, growth, debt and accounting. Accounting had too few reported figures and is left out of the average rather than counted as a weakness, so a company is never marked down for a figure it did not publish. Cash generation is shown for context and already feeds profitability. Valuation is scored separately, because a share price says nothing about whether the business is sound. 8 of the 9 Piotroski checks could be evaluated. How the score works
Each year scored only from its annual report as it was first filed
| Fiscal year | Health | F-Score | Scored from |
|---|---|---|---|
| FY2026 | 6.0 | 4/8 | 10-K, filed May 27, 2026 |
| FY2025 | 6.0 | 4/7 | 10-K, filed May 29, 2025 |
| FY2024 | 4.7 | 5/7 | 10-K, filed May 30, 2024 |
| FY2023 | 7.3 | 6/7 | 10-K, filed May 30, 2024 |
| FY2022 | 6.0 | 5/8 | 10-K, filed May 30, 2024 |
| FY2021 | 8.7 | 7/8 | 10-K, filed May 26, 2021 |
A later restatement never reaches back into an earlier year, and every year is scored without a share price, so the latest point can differ a little from the headline score, which uses today's price.
Every check behind the three models, and what each one tests
4 of 8 checks passed
Nine yes-or-no tests of whether this year's finances improved on last year's. One could not be evaluated and is excluded from the total rather than counted as a failure.
not reported — This company has not reported enough of the required figures to calculate this score.
This company has not reported enough of the required figures to calculate this score.
Distance from bankruptcy, from a model fitted on companies that did and did not go bust. It describes a balance sheet's shape today; it does not forecast a failure.
not reported — This company has not reported enough of the required figures to calculate this score.
This company has not reported enough of the required figures to calculate this score.
Screens eight accounting ratios for the pattern earnings manipulators tend to leave. A flag is a reason to read the filing closely, never evidence of wrongdoing.
Every figure above comes from the FY2026 filing as filed with the SEC.
Deteriorated: −40.6 pts
97.4% to 56.8%Critical
Why it matters: What survives each sale after running the business. A falling operating margin beside a steady gross margin points at overheads — wages, marketing, research — rather than pricing.
Deteriorated: −39.0 pts
49.9% to 10.9%Critical
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
Deteriorated: -77.4%
$1.87 to $0.42Critical
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Deteriorated: -39.6%
$716.2M to $432.6MSignificant
Why it matters: Profit from running the business, before interest and tax. Less exposed than profit to one-off financing and tax items, so a clearer read on the business itself.
Improved: $638.3M narrower
-$2.00B to -$1.36BSignificant
Why it matters: Cash left after paying for the plant that produced it — the money genuinely available for dividends, buybacks or paying down debt. Harder to flatter than profit.
Deteriorated: +12.4%
$7.23B to $8.12BNotable
Why it matters: Rising debt is not automatically bad — borrowing to build something that earns more than the interest is ordinary. It matters when it grows faster than the profit meant to service it.
Improved: +13.3%
$988.8M to $1.12BNotable
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Changed: -8.6%
$3.45B to $3.15BNotable
Why it matters: Neither good nor bad on its own. Heavy spending is a company building capacity or a company struggling to stand still, and the two look identical in this figure.
Q1 FY2024 against Q1 FY2024, from the 10-Q filed Aug 5, 2026 — read it.
Deteriorated: −9.6 pts
61.3% to 51.8%Critical
Why it matters: What survives to the very end of each sale. Worth reading beside revenue: growing sales on a shrinking margin means the company is buying its growth.
Deteriorated: −5.4 pts
110.9% to 105.5%Significant
Why it matters: What survives each sale after running the business. A falling operating margin beside a steady gross margin points at overheads — wages, marketing, research — rather than pricing.
Improved: $126.1M narrower
-$318.2M to -$192.1MSignificant
Why it matters: Cash left after paying for the plant that produced it — the money genuinely available for dividends, buybacks or paying down debt. Harder to flatter than profit.
Improved: +25.1%
$877.2M to $1.10BSignificant
Why it matters: A falling cash pile is only a warning if the company is consuming it. Paying down debt, buying back stock and paying a dividend all reduce cash by choice.
Deteriorated: -13.6%
$142.3M to $122.9MNotable
Why it matters: Profit swings far more than sales do, and one-off items — a legal settlement, a tax charge, an asset sale — move it without the underlying business changing.
Deteriorated: -13.5%
$0.73 to $0.63Notable
Why it matters: Profit divided by the shares in issue at the period end, so it sits close to but not on the company's own reported figure. It can rise with no growth in profit when the company buys back stock — read it beside the share count.
Changed: -10.3%
$916.6M to $822.4MNotable
Why it matters: Neither good nor bad on its own. Heavy spending is a company building capacity or a company struggling to stand still, and the two look identical in this figure.
4 other measures barely moved. Figures compare the two most recent annual filings — read the latest one. Moves are graded on fixed lines — 5%, 15% and 40% for amounts, and 1, 3 and 8 points for margins — as notable, significant or critical. Nothing here reads the management commentary, which is where a company explains its own numbers.
These coincide with the move in time. None is presented as its cause: a price can move on news that names no company, on the wider market, or on trading that no document records.
Filter by minute, hour, day or week — or compare against peers
Loading price history…
Measured on and published about a week later — this is a fortnightly snapshot, not a live position.
About 0.8% of this company's shares have been borrowed and sold by people expecting to buy them back cheaper. That is a bet the price falls. Those people can be wrong, and when a heavily shorted share rises they have to buy it back, which pushes it up further.
Collected by FINRA from broker-dealers twice a month. It counts positions, not intentions, and some of it is hedging rather than a directional bet against the company.
Nothing in this section is a figure this company reported about itself. These are expectations and positions — what the price implies, what analysts have published, what short sellers are betting, and what large funds held at the last count. WylthIQ reports them; it does not endorse them, does not forecast prices, and takes no view on whether any of them will turn out to be right.
Manageable, but notable. Clearing its debt would take about 3.9 years of cash flow. For every $1 it owes, it owns $1.55 in assets.
The trailing P/E is 26.8x — investors pay $26.8 for each $1 of trailing profit.
This company has not reported enough of the required figures to calculate this score.
| 3.6% |
| 10.9% |
| 131.52x |
| 1.82x |
| ODFLOLD DOMINION FREIGHT LINE, INC. | 7.3/10 | 6/8 | -5.5% | 18.6% | 38.69x | 0.27x |
|---|
| XPOXPO, Inc. | 7.3/10 | 5/8 | 1.1% | 3.9% | 69.89x | 3.40x |
|---|
| SAIASAIA INC | 7.3/10 | 6/8 | 0.8% | 7.9% | 35.99x | 0.35x |
|---|
| Median of peers | 7.3/10 | — | 0.8% | 7.9% | 38.69x | 0.35x |
|---|
Peers come from the company's industry classification. A difference describes the companies; it does not rank them.
Quarterly report for Q1 FY2024
Operating margin −5.4 pts · Profit margin −9.6 pts · Free cash flow $126.1M narrower — against Q1 FY2024
Proxy statement for a shareholder meeting
Read the filingPublished results
Read the filingAnnual report for FY2026
Operating margin −40.6 pts · Profit -77.4% · Profit margin −39.0 pts — against FY2025
Read the filingPublished results
Read the filingQuarterly report for Q3 FY2024
Operating margin −8.5 pts · Operating income -77.7% · Profit -45.0% — against Q3 FY2024
Read the filingReported another event
Read the filingPublished results
Read the filingQuarterly report for Q2 FY2025
Read the filingHeld a shareholder vote
Read the filingPublished results
Read the filingQuarterly report for Q1 FY2024
Revenue +8.5% · Operating margin −32.2 pts · Profit margin −30.0 pts — against Q1 FY2024
Read the filingProxy statement for a shareholder meeting
Read the filingPublished results
Read the filingAnnual report for FY2025
Operating margin −39.4 pts · Profit -41.6% · Profit margin −38.1 pts — against FY2024
Read the filingPublished results
Read the filingQuarterly report for Q3 FY2024
Operating margin −3.9 pts · Cash -43.7% · Operating income -23.7% — against Q3 FY2024
Read the filingPublished results
Read the filingThe first 40 of 317. The rest are in the exhibit.
Source: Exhibit 21 of the 10-K filed 2026-05-27. These are legal entities, not brands or acquisitions — a company that bought a business may hold it inside an entity named here, or inside one small enough that the rule does not require naming it at all.
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