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U-Haul Holding CoUHAL -1.91%70 Debt-to-Equity is 1.06 as of Jun. 2026, which is 4% above its 10-year median of 1.02. GuruFocus rates UHAL with a GF Score™ of 70/100 and a GF Value™ of $67.27 (Fairly Valued). The stock has 10 warning signs investors should review. Among 957 Business Services companies, U-Haul Holding Co ranks worse than 77.64% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for U-Haul Holding Co's Debt-to-Equity or its related term are showing as below:
UHAL'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.86 Med: 1.02 Max: 1.25
Current: 1.06
During the past 13 years, the highest Debt-to-Equity Ratio of U-Haul Holding Co was 1.25. The lowest was 0.86. And the median was 1.02.
UHAL's Debt-to-Equity is ranked worse than 77.64% of 957
companies
in the Business Services industry
Industry Median: 0.33
vs UHAL: 1.06
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
U-Haul Holding Co Debt-to-Equity Related Terms
U-Haul Holding Co Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for U-Haul Holding Co's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Rental & Leasing Services subindustry, U-Haul Holding Co's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
U-Haul Holding Co Debt-to-Equity vs Business Services Industry
For the Business Services industry and Industrials sector, U-Haul Holding Co's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where U-Haul Holding Co's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
U-Haul Holding Co (UHAL) has a Debt-to-Equity of 1.06 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on U-Haul Holding Co and its competitors. This is near median its historical median of 1.02. Over the past decade, U-Haul Holding Co's Debt-to-Equity has ranged from 0.86 to 1.25. According to the industry distribution chart, U-Haul Holding Co ranks #743 out of 957 companies in the Business Services industry, placing it in the top 77.6%.
Is U-Haul Holding Co's Debt-to-Equity too high?
U-Haul Holding Co's current Debt-to-Equity of 1.06 is near median its 10-year median of 1.02. Over the past 10 years, this metric has ranged from a low of 0.86 to a high of 1.25. The Business Services industry median Debt-to-Equity is 0.33. U-Haul Holding Co's value of 1.06 is 221.2% above this industry median. Based on the distribution chart, U-Haul Holding Co ranks #743 out of 957 companies in the Business Services industry, which is in the bottom quartile relative to peers. Overall, U-Haul Holding Co has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does U-Haul Holding Co's Debt-to-Equity compare to R and GATX?
According to the Business Services industry distribution chart, U-Haul Holding Co ranks #743 out of 957 companies for Debt-to-Equity. This places U-Haul Holding Co in the lower half of its industry. The industry median Debt-to-Equity is 0.33. U-Haul Holding Co's value of 1.06 is 221.2% above this benchmark. Historically, U-Haul Holding Co's own Debt-to-Equity has ranged from 0.86 to 1.25 over the past decade. While the company's 10-year median is 1.02 vs. the industry median of 0.33, U-Haul Holding Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Business Services company?
The median Debt-to-Equity among Business Services companies is 0.33, based on 957 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. U-Haul Holding Co's current Debt-to-Equity of 1.06 is 221.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on U-Haul Holding Co and its competitors. For the Business Services industry, the median Debt-to-Equity is 0.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. U-Haul Holding Co's current Debt-to-Equity is 1.06, which is near median its own 10-year median of 1.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is U-Haul Holding Co stock overvalued right now?
Based on GuruFocus' analysis, U-Haul Holding Co (UHAL) is currently considered Fairly Valued. The stock's GF Value™ is $67.27, compared to a current price of $72.35 — trading 7.6% above its estimated fair value. The current Debt-to-Equity is 1.06, which is near median its 10-year median of 1.02 and 221.2% above the Business Services industry median of 0.33. U-Haul Holding Co's overall GF Score™ is 70/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For U-Haul Holding Co (UHAL), the current Debt-to-Equity is 1.06 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is U-Haul Holding Co (UHAL) Overvalued in 2026?
Based on GuruFocus' analysis, U-Haul Holding Co stock appears to be overvalued.
The current stock price of $72.35 is trading 7.6% above its estimated GF Value™ of $67.27.
GuruFocus considers U-Haul Holding Co to be Fairly Valued.
Key valuation signals for UHAL:
Debt-to-Equity: 1.06 (near median its 10-year median of 1.02)
GF Value™: $67.27 vs. price of $72.35 (7.6% above fair value)
Industry Position: 221.2% above the Business Services median (#743 of 957)
No single metric tells the full story. See the UHAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
U-Haul Holding Co is an American moving truck, trailer, and self-storage rental company. The company also provides moving boxes, packing supplies, LPG (propane) refills, trailer hitch and wiring installation, storage container rentals, and other services. It has three reportable segments Moving and Storage, Property and Casualty Insurance, and Life Insurance. The majority of its revenue comes from the Moving and Storage segment.
70GF Score
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