U-Haul Holding Co /NV/

UHAL

Quality scores

Data as of Sep 5, 2026

2 / 9

Weak

2/9 — WEAK fundamentals (a sign of low quality).

PassROA > 0 — ROA last year = 0.39 %
FailFCF > 0 — FCF last year = -1,359.74 mill.
FailFCF > net income (accrual quality) — FCF -1,359.74 vs. net income 83.13 (mill.)
FailRising ROA — ROA 0.39 % vs. prior year 1.79 %

FailLower long-term leverage — long-term debt/assets 0.38 vs. prior 0.35
FailRising current ratio (more liquidity) — Current ratio 1.33 vs. prior 1.45
PassNo dilution (shares do not grow) — Shares 196.08 mill. vs. prior 196.08 mill.

Z-Score (original)

1.50

Distress zone

Z''-Score (non-manufacturing)

5.36

Safe zone

Ratio	Value
X1 — Working capital / Total assets	0.03
X2 — Retained earnings / Total assets	0.37
X3 — EBIT / Total assets	0.02
X4 — Market cap / Total liabilities	1.00
X4 — Book equity / Total liabilities	0.55
X5 — Sales / Total assets	0.28