Forensic Analysis · General / Diversified · as of Aug 11, 2026
U-Haul Holding Co /Nv/ (UHAL)
A forensic read on U-Haul Holding Co /Nv/ built from its complete SEC filings — financial-health screens, earnings quality, red flags and a price-aware rating. Reproducible math, not opinion.
D · Weak — demands caution
Forensic grade
Clean
Earnings quality
5
Forensic signals
156.3
P / E (ttm)
1.1%
ROE
$14.5B
Market cap
0.27%
Dividend yield
3.6%
Revenue growth
This free snapshot doesn't read filing or proxy text, so the auditor-quality and governance checks that can lower a grade were not evaluated (red flags, auditor quality, say on pay, board independence). Those checks only ever lower a grade, so the full analysis can land below the grade above but never above it — treat it as the most favourable reading, not the settled one.
U-Haul Holding Co /Nv/ earns a D (Weak — demands caution) forensic quality grade. 5 forensic signals were flagged in its latest SEC filings, led by return on invested capital.
What the filings flag
2.2%
FY2026
Return on invested capital.Return on invested capital is 2.2% in the latest fiscal year and slipping from 10% — well below its ~9% cost of capital, so reinvested dollars may be destroying value, not building it.
stopped
FY2023→FY2024
Shareholder returns — halted.Capital returns have STOPPED — $20M of buybacks + dividends in FY2023, but ~$0 in FY2024. A halt usually means the company is conserving cash.
suspended
FY2023→FY2024
Dividend — suspended.The dividend has been SUSPENDED — $20M paid in FY2023, then $0 in FY2024. A suspension is a major signal the board is conserving cash; the prior payment history doesn't offset it.
252d
FY2025→FY2026
Inventory days.Days inventory outstanding moved from 245 to 252 FY2025→FY2026 (against cost of goods sold; inventory +9% vs +5% in cost of sales). Inventory is building a little faster than sales — watch for markdowns.
n/m (stock split)
FY2022–FY2026
Share count (stock split).Diluted share count changed +900% over the last 4 years to FY2026, but that includes a large one-time change around FY2024 consistent with a stock split or reverse split, not gradual buybacks or issuance — a split changes the count with NO effect on any holder's proportional ownership, so the raw +77.8%/yr figure isn't a real buyback/dilution read here.
Key fundamentals
Latest Revenue$6.04B
Revenue Growth YoY+3.6%
Revenue CAGR (3yr)+1.0%
Net Margin1.4%
Free Cash Flow-$1.36B
Return on Equity1.1%
Debt / Equity1.07x
The forensic grade and screens above are free — no account needed. Want the AI investment read on top — the 0–100 rating, thesis, bull-vs-bear, red flags and the 12-month scenario, written from U-Haul Holding Co /Nv/'s actual 10-K/10-Q/8-K filings?