Stock Ratings / Consumer Discretionary / UHAL

R (62) CAR (57) HTZ (56) MRT (35) ⌘ Pro Terminal →

U-Haul Holding Company (UHAL) — RQD Stock Rating Cockpit

$56.80 +2.99% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $57.00

U-Haul Holding Company (UHAL) carries a Roarable Rating of D (Sell) with 49/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (49/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $11.04B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $57.00 (+0.35%)🧬 Dilution Drag (+2.20% YoY Shares)⚙️ Cash Engine: 7/20 (D-) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (49/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.4% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk C-

Each axis scored 0–20

12M PRICE TARGET CONE-4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for UHAL)Realized 20D OHLCV Swing Band: ±5.4%

Deterministic 5-Pillar Attribution (49/100 Composite)

🔍 WHY UHAL SCORES 49/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+14/20 pts (29% of score)

20D Institutional Volume Accumulation (±5.4% realized swing band)

▲ #2 Bullish Driver: Macro Regime Fit+14/20 pts (29% of score)

FRED Regime × Technicals: 43% of 52W Range • RSI-14 at 46.1 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution4/20 pts (-16 pt drag)

Dilution Drag (+2.20% YoY Shares) & executive Form 4 sales trim 16 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$57.39-0.6% Next Q

Q2 (-2Q)

Grade C-$57.02-2.4% Next Q

Q3 (-1Q)

Grade C-$55.66+2% Next Q

Current

Grade D$56.80-5.4% Hist 90D α

Trajectory: C (57) → D (49)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a UHAL Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While UHAL currently carries a cautious 49/100 (D) rating due to Insider Conviction & Share Dilution (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Consumer Discretionary with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($61.60) and Max Pain ($59.64) forces dealer call-delta covering toward $80.27.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+2.20% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $UHAL• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “UHAL Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”

YES 49%NO 51%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

46.130 Oversold · 70 Hot

ALTMAN-Z SHIELDDISTRESS RISK (<1.8)

1.10>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE43% OF RANGE

L: $42$56.80H: $76

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: D-RQD 7 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 18 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C-RQD 24 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on UHAL

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (35)

5.1% ROIC with 67.6% gross margin and -12.31% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BEARISH (50)

Altman-Z 1.10 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (53)

18/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like UHAL

✓Established market leader in Consumer Discretionary with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Priced at 133x earnings—high expectations leave less room for a lukewarm quarter.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring UHAL)

✓Walkthrough of UHAL's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

UHAL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +10.59%🛡️ HOLDING TREND SUPPORT

2026-10-30O $57.25H $57.57L $56.32C $56.80VOL 144.8K

SUP: $54.87SMA50: $61.60SMA200: $58.42

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

UHAL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 UHAL Butterfly Map → + Track UHAL →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

48.0%/yr Implied 5Y Growth

vs. +3.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on UHAL today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for UHAL. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for UHAL today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (UHAL)

Consumer Discretionary Rank #653 of 1011 ⚔️ R vs UHAL Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (UHAL vs. R, CAR, HTZ, MRT)

Industry: Rental/Leasing Companies (6 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, U-Haul Holding Company (UHAL) ranks #653 by composite RQD confidence (49/100, grade D) and #158 by equity capitalization ($11.04B). Within this direct 5-issuer industry benchmark cohort, R leads on earnings valuation at 21.5x trailing P/E, while R leads on capital efficiency and profitability with 5.7% ROIC and — gross margin. R currently holds the highest overall quantitative score in the immediate peer group at 62/100 (C) compared with UHAL at 49/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
UHAL ACTIVE U-Haul Holding Company	D	49/100	132.8x	67.6%	5.1%	+2.99%	$11.04B	Benchmark Subject
R Ryder System Inc.	C	62/100	21.5x	—	5.7%	+1.84%	$10.73B	/r-vs-uhal →
CAR Avis Budget Group Inc.	D+	57/100	—	—	—	+6.31%	$3.82B	/car-vs-uhal →
HTZ Hertz Global Holdings Inc	D+	56/100	—	—	—	+2.11%	$691.5M	/htz-vs-uhal →
MRT Marti Technologies Inc. (Class A)	D-	35/100	—	61.1%	-35.0%	+1.46%	$179.8M	/mrt-vs-uhal →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2026-03-31 • CIK 0000004457

In its most recent audited fiscal period (FY2025, filed 2026-03-31), U-Haul Holding Company (UHAL) reported GAAP revenue of $761.5M (+3.6% vs. FY2024 revenue of $735.0M , and +6.6% cumulative change since FY2023) , GAAP net income of $83.1M, operating cash flow of $1.79B, and free cash flow of -$1.36B (+31.9% YoY). On the balance sheet, UHAL closed FY2025 with $21.62B in total assets against $0 in total debt (Altman Z-Score: 1.10, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2026-03-31	$761.5M	$83.1M	$1.79B	-$1.36B	$21.62B	—
FY2024 (FY)	2025-03-31	$735.0M	$367.1M	$1.45B	-$2.00B	$20.33B	—
FY2023 (FY)	2024-03-31	$714.4M	$628.7M	$1.45B	$1.45B	—	—

3. UHAL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is UHAL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, U-Haul Holding Company (NYSE: UHAL) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 49/100 at a spot price of $56.80 (+2.99% 1D, market cap $11.04B). Pillar breakdown: Fundamental Cash Engine 7/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 4/20. Across 1011 tracked Consumer Discretionary issuers, UHAL ranks #653 in composite RQD confidence.

How does UHAL compare to R and CAR in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Rental/Leasing Companies), UHAL carries a Roarable D (49/100 RQD), trailing P/E of 132.8x, gross margin of 67.6%, and ROIC of 5.1%. By comparison, R (Ryder System Inc.) holds a C grade (62/100 RQD, P/E 21.5x, ROIC 5.7%, cap $10.73B) and CAR (Avis Budget Group Inc.) posts a D+ grade (57/100 RQD, P/E N/A, ROIC —, cap $3.82B). Among the 5-stock peer group, R leads on earnings multiple (21.5x) while R leads on capital efficiency (5.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for UHAL?

Per UHAL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-03-31, CIK 0000004457), U-Haul Holding Company generated $761.5M in revenue (+3.6% YoY), $83.1M in net income, and -$1.36B in free cash flow against $21.62B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Consumer Discretionary with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is UHAL trading relative to its 50-day, 200-day, and 52-week technical levels?

UHAL last traded at $56.80 (+2.99% on volume of 169,967 shares), positioning the stock -7.79% below its 50-day simple moving average ($61.60) and -2.77% below its 200-day simple moving average ($58.42). Across its 52-week range of $41.95 to $76.45, UHAL sits at the 43.0% percentile with a 14-day RSI of 46.1 (NEUTRAL RANGE) and an implied next-earnings move of ±5.4% ($53.73 to $59.87).

UHAL Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell UHAL stock right now?

U-Haul Holding Company (UHAL) currently earns a Roarable Rating of D (Sell — SELL) with 49/100 RQD Confidence. Stretched risk/reward at 133x P/E (5% return on capital) under elevated 10-year interest-rate pressure.

What is UHAL's 12-month price target and RQD AI Jury consensus?

UHAL's 12-month base price target is $54.5 (range $42.51 to $80.27), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: UHAL RQD Cockpit UHAL 12M Forecast UHAL Earnings & Move UHAL Dividends & DRIP UHAL Insiders & 13F UHAL Whale Options UHAL Profit Sankey UHAL News & Why