U-Haul Holding Company (UHAL) scored on five pillars from its reported financial statements, and ranked against 270 Industrials companies.
U-Haul Holding Company (UHAL) scores 1.9 out of 10 as of , computed from its reported financial statements. That reads as low quality. The reading rests on predictability, and efficiency is what holds it back.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
We cannot judge U-Haul Holding Company yet, because fewer than five years had both a return on capital and a cost of capital we could measure. This is not a “no”.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
On the filings behind it, U-Haul Holding Company earns 1.9 out of 10 for business quality as of October 18, 2026. That is low quality on our scale. A low reading means the reported numbers show weakness on several pillars at once, which is a reason to understand the business before anything else. The figure is a weighted average of five pillars, each scored from 0 to 10 against sector-aware benchmarks from reported statements.
Set against 270 Industrials companies, U-Haul Holding Company lands at the 6th percentile, among the weakest quarter of its peers. For reference, the middle of the group scores 5.6 and a company needs 6.5 to reach its top quarter, which leaves U-Haul Holding Company well below the median.
On profitability, U-Haul Holding Company scores 0.6, a weak reading. Its peers have a median of 4.9 across 262 Industrials companies, which places it well below them, at the 9th percentile. Weak profitability means the business converts less of its sales and capital into profit than its peers, which can come from thin pricing power, high costs or a temporary squeeze.
Solvency scores 3.1 out of 10, which reads as weak. The median across 241 Industrials companies is 7.1, so U-Haul Holding Company is well below its peers on this pillar and ranks at the 9th percentile. A low reading here is a question about resilience: how long the company could keep paying its obligations if earnings dropped.
On growth, U-Haul Holding Company scores 2.1, a weak reading. Its peers have a median of 5.4 across 216 Industrials companies, which places it well below them, at the 9th percentile. Weak growth means revenue and earnings have been flat or shrinking against peers, which can be cyclical or a sign of a market that is maturing.
Efficiency scores 0.0 out of 10, which reads as weak. Every other company in the group scores higher here, against a median of 6.2 across 264 Industrials companies. Weak efficiency means more capital is tied up to produce each unit of output, or less of reported profit is arriving as cash.
U-Haul Holding Company’s predictability score is 3.8 out of 10 (weak). Against a median of 5.0 among 267 Industrials companies, that is below the group and the 29th percentile. Weak predictability means revenue or earnings have swung widely from year to year, so any single year’s figures are a less reliable guide.
This is a lopsided profile. Predictability scores 3.8 but efficiency only 0.0, a gap of 3.8 points, so the overall hides a business that is excellent in one respect and weak in another. A predictability lead means consistency is the business’s strongest trait, which makes its other readings easier to trust. An efficiency shortfall means profit is not turning into cash as readily as it could.
The pillar with the most room to move the score is profitability. If it rose to the median of Industrials companies, 4.9, U-Haul Holding Company’s overall score would go from 1.9 to about 3.0. All five pillars could be scored, so the overall uses the full set of weights out of 100: profitability 25, solvency 20, growth 20, efficiency 15, predictability 20.
These are the Industrials companies closest to U-Haul Holding Company in market value. Each has its own page scored on the same five pillars, so the comparison is like for like.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading U-Haul Holding Company scores 1.9 out of 10, which reads as low quality. Its strongest pillar is predictability, its weakest is efficiency. Quality is not the same as a good investment: the score says nothing about the price you would pay.
U-Haul Holding Company ranks at the 6th percentile of the 270 Industrials companies Lemma publishes a score for. The median there is 5.6 and the top quarter starts at 6.5, against U-Haul Holding Company’s 1.9.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 18, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for UHAL are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
Inside Lemma Analysis the same five pillars run on every company we cover, with the metrics behind each one, current fundamentals, a DCF you control and a watchlist that tells you when the price catches up.
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