Stock fact sheet · data as of
U-Haul Holding Company (UHAL): fair value, margin of safety and Wheel Score
Industrials · Rental & Leasing Services · United States · Blend
Is UHAL undervalued?
U-Haul Holding Company (UHAL) closed at 55.92 on 16 Oct 2026, 301% above the GLS average fair value of 13.96. 6 of the 7 models that produced a number value the shares below the current price. A gap this wide usually means the market is paying for growth or a story the trailing numbers do not show yet; the models work from filed results, not forecasts, so they are conservative by design.
The 7 models disagree widely: Payback Time gives 0.7596 while 10 Cap gives 58.19. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files UHAL under Blend.
Nine valuation models for UHAL
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 14.37 | -74% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 13.44 | -76% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 5.88 | -89% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 2.48 | -96% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 58.19 | +4% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 0.7596 | -99% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 2.61 | -95% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -73.42 | -231% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 80.00 | +43% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - UHAL passes 6 of the nine Piotroski tests, which passes the Sunday Scan's "6 or more" rule. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is low at 4.7 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
Returns on capital are thin or negative - ROIC 0.5%, ROE 1.1%, ROA 0.4% - with debt at 1.07 times equity and a free-cash-flow yield of 0.1%.
U-Haul Holding Company pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Moving and Storage Consolidations 95%, Life Insurance 3%, Property and Casualty Insurance 2% (quarter Q1 FY2027).
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 0.5% |
|---|---|---|---|
| GLS Moat | 4.7 / 10 | ROE | 1.1% |
| Debt / equity | 1.07 | ROA | 0.4% |
| Free-cash-flow yield | 0.1% | Payout ratio | 77% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 54: Fair
UHAL scores 54 out of 100 on the Wheel Score (Fair band, 50-64): a usable but unremarkable fit for the wheel strategy. The parts: Value 0/25, Health 13/20, Moat 7/15, Premium 20/20, Stability 13/20. Value (0/25) is where the points are missing.
Implied volatility is 40% on the near-the-money contracts 20-60 days out - inside the 35-60% range the Wheel Score pays full marks for: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is thin - 364 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 176k shares a day on a market cap of $9.7B, with a beta of 1.11; the Stability part of the Wheel Score gives that 13 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 0 / 25 | -301% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 7 / 15 | moat 4.7/10 | |
| Premium | 20 / 20 | implied volatility 40% | |
| Stability | 13 / 20 | 176k shares/day, $9.7B cap, beta 1.11 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 4 Nov 2026 (after the close), 19 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Rental & Leasing Services
The 12 companies below are the closest to U-Haul Holding Company by market cap within the Rental & Leasing Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| R Ryder System, Inc. | 237.82 | 293.38 | +19% | 78Good | $9.1B |
| UHAL-B U-Haul Holding Company | 49.84 | 13.61 | -266% | 36No options | $10.9B |
| GATX GATX Corporation | 165.09 | 146.59 | -13% | 60Fair | $5.8B |
| HRI Herc Holdings Inc. | 124.00 | 76.54 | -62% | 48Weak | $4.1B |
| AER AerCap Holdings N.V. | 145.92 | 341.90 | +57% | 82Prime | $22.9B |
| CAR Avis Budget Group, Inc. | 109.77 | - | - | 45Weak | $3.9B |
| EQPT EquipmentShare.com Inc. | 14.41 | 5.99 | -140% | 44Weak | $3.7B |
| SUNB Sunbelt Rentals Holdings Inc | 75.61 | 109.78 | +31% | 90Prime | $31.0B |
| WSC WillScot Holdings Corporation | 16.19 | 33.49 | +52% | 45Weak | $2.9B |
| MGRC McGrath RentCorp | 113.19 | 136.29 | +17% | 75Good | $2.8B |
| CTOS Custom Truck One Source, Inc. | 9.20 | 3.02 | -205% | 52Fair | $2.1B |
| VSTS Vestis Corporation | 13.97 | 16.38 | +15% | 45Weak | $1.8B |
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Start free See the Sunday ScanQuestions about UHAL
Is UHAL undervalued right now?
No: at 55.92 the stock trades 301% above the GLS average fair value of 13.96 (data as of 16 Oct 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of UHAL and what does it mean?
UHAL scores 54 out of 100 (Fair). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for UHAL?
13.96 per share as of 16 Oct 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does U-Haul Holding Company report earnings next?
The next earnings report is due on 4 Nov 2026 (after the close), 19 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does UHAL have listed options, and how liquid are they?
Yes. The nightly snapshot found 132 listed contracts with 364 open interest across all expiries and implied volatility of 40% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.