$49.30−0.06 (−0.12%)
At close: Oct 26, 2026, 4:00 PM ET· NYSE · USD
U-Haul Holding (UHAL-B) Stock Checks
How UHAL-B measures up against value, income, timing, and long-hold tenets. Every criterion shows the live number and the pass rule. Always free.
Sources Company filings and computed by Tenet Filings and TenetScreens as of How we compute thisNot investment advice
The tenets below and the 0-100 Tenet Score on this report are two separate computations: each tenet runs its own criteria and its own pass rule, while the score is a percentile composite reported as one of four verdict words (Strong, Solid, Mixed or Weak).
0 / 17 qualify todayas of Oct 27, 2026 · computed nightly from our fundamentals DB; point-in-time auditable.
QUALIFIES
0
meet every gate today
BORDERLINE
3
within one input of the gate
FAILS
13
miss at least one gate
UNKNOWN
1
insufficient data to judge
passesfailsborderlineunknown
Value — six classic philosophies
Buffett Qualitydurable moat
✕ FailsFailsROE ≥ 15%(TTM through Jun 30, 2026)0.8% · ≥ 15.0%
PassesGross margin ≥ 40%(TTM through Jun 30, 2026)95.9% · ≥ 40.0%
FailsNet margin ≥ 15%(TTM through Jun 30, 2026)1.0% · ≥ 15.0%
FailsDebt/equity ≤ 0.5(quarter ending Jun 30, 2026)1.06 · ≤ 0.50
FailsGrowing FCF (multi-yr)Free cash flow was negative in fiscal 2026.no · > 0
Decided by the pass rule for Buffett Quality.The pass rule for Buffett Quality is what decides that verdict, and it is not restated here.Buffett Quality under The screens ›Today's Buffett Quality list ›
Piotroski F-Scorefinancial strength
✕ 4 / 9PassesReturn on assets positive(fiscal 2026)0.4% · > 0
PassesOperating cash flow positive(fiscal 2026)$1.8B · > 0
FailsReturn on assets improving(fiscal 2026)1.8% → 0.4%
PassesEarnings backed by cash (CFO > net income)(fiscal 2026)$1.8B vs $83.1M
FailsLeverage falling (long-term debt / assets)(fiscal 2026)35.1% → 37.6%
FailsCurrent ratio improving(fiscal 2026)5.24 → 4.27
PassesNo share dilution (≤ +2%)(fiscal 2026)+0.0%
FailsGross margin expanding(fiscal 2026)96.0% → 95.9%
FailsAsset turnover improving(fiscal 2026)0.28 → 0.28
Decided by the pass rule for Piotroski F-Score.The pass rule for Piotroski F-Score is what decides that verdict, and it is not restated here. These checks score 4 of 9.Piotroski F-Score under The screens ›Today's Piotroski F-Score list ›
Munger Compoundershigh-ROIC quality
✕ FailsFailsROIC ≥ 15%(TTM through Jun 30, 2026)1.9% · ≥ 15.0%
PassesNet debt/EBITDA ≤ 3×(fiscal 2026: trailing figures for Consumer Cyclical are still under review)2.8× · ≤ 3.0×
FailsAltman Z ≥ 3 (safe zone)(TTM through Jun 30, 2026)1.50 · ≥ 3.00
Decided by the pass rule for Munger Compounders.The pass rule for Munger Compounders is what decides that verdict, and it is not restated here.Munger Compounders under The screens ›Today's Munger Compounders list ›
Magic FormulaROC + earnings yield (threshold check; full rank needs universe)
✕ FailsPassesEBIT > 0(fiscal 2026: trailing figures for Consumer Cyclical are still under review)$432.6M · > 0
FailsEarnings yield EBIT/EV ≥ 6%(fiscal 2026: trailing figures for Consumer Cyclical are still under review)2.8% · ≥ 6.0%
FailsReturn on capital ≥ 25%(fiscal 2026: trailing figures for Consumer Cyclical are still under review)2.2% · ≥ 25.0%
Decided by the pass rule for Magic Formula.The pass rule for Magic Formula is what decides that verdict, and it is not published separately on the methodology page.About this screen ›Today's Magic Formula® list ›
Graham Defensivemargin of safety
✕ FailsPassesSize: market cap ≥ $2B$10.8B · ≥ $2.0B
PassesCurrent ratio ≥ 2(quarter ending Jun 30, 2026)4.32 · ≥ 2.00
PassesPositive EPS 10y10y
PassesPays a dividend$0.20 · > 0
FailsEPS growth ≥ 3%/yr(fiscal 2022 to 2026)−51.9% per year · ≥ 3.0%
FailsP/E ≤ 15(TTM through Jun 30, 2026)151.36 · ≤ 15.00
FailsP/E × P/B ≤ 22.5(TTM through Jun 30, 2026)213.74 · ≤ 22.50
Decided by the pass rule for Graham Defensive.The pass rule for Graham Defensive is what decides that verdict, and it is not restated here.Graham Defensive under The screens ›Today's Graham Defensive list ›
Lynch GARPgrowth at reasonable price (historical-CAGR basis)
— Insufficient inputs (1 of 2 known)Unknown — no dataPEG < 1 (hist. growth)— · < 1.00
FailsEPS growth 10–30%(fiscal 2022 to 2026)−51.9% per year · 10.0%–30.0%
Verdict Unknown for this set.Verdict Unknown for this set. 1 of 2 checks below carry data.Lynch GARP under The screens ›Today's Lynch GARP list ›
Income — dividend safety
Income & Dividend Safetycoverage over headline yield
✕ FailsPassesPays a dividend$0.20 · > 0
FailsYield in a healthy band (not a yield trap)0.4% · 1.0%–8.0%
FailsCovered by free cash flow−38.53 · ≥ 1.20
PassesEarnings payout not stretched42.5% · ≤ 75.0%
PassesBalance sheet can sustain the payout2.8× · ≤ 4.0×
FailsAnnual dividend raised 10+ years running (Aristocrat ≥25, King ≥50)0.00 · ≥ 10.00
Not scored: see the reason belowNo dividend cut in the last 5 yearsThe dividend record on file is shorter than the five years this test covers, so there is no five-year stretch to check for a cut. It is left unscored rather than counted either way.—
Unknown — no data5-year dividend growth ≥ 5%/yr— · ≥ 5.0%
Decided by the pass rule for Income & Dividend Safety.The pass rule for Income & Dividend Safety is what decides that verdict, and it is not published separately on the methodology page. 2 of 8 carry no data.
Dividend Growthraises you can count on
✕ FailsPassesPays a dividend$0.20 · > 0
FailsAnnual dividend raised 10+ years running (Aristocrat ≥25, King ≥50)0.00 · ≥ 10.00
Not scored: see the reason belowNo dividend cut in the last 5 yearsThe dividend record on file is shorter than the five years this test covers, so there is no five-year stretch to check for a cut. It is left unscored rather than counted either way.—
Unknown — no data5-year dividend growth ≥ 5%/yr— · ≥ 5.0%
FailsCovered by free cash flow−38.53 · ≥ 1.20
PassesPayout not stretched42.5% · ≤ 75.0%
Decided by the pass rule for Dividend Growth.The pass rule for Dividend Growth is what decides that verdict, and it is not restated here. 2 of 6 carry no data.Dividend Growth under The screens ›Today's Dividend Growth list ›
Long Hold — quality compounders
Quality Compounderhigh returns, reinvested, few new shares
✕ FailsFailsReturn on invested capital ≥ 15% in 4+ of the last 5 years0 of 5
FailsRevenue compounding ≥ 8%/yr over 5 years5.9% per year · ≥ 8.0%
PassesNot diluting: diluted share count flat-to-down (≤ +1%/yr)0.0% · ≤ 1.0%
FailsFree cash flow margin ≥ 12%−22.5% · ≥ 12.0%
PassesEarnings backed by cash (operating cash flow ≥ net income)28.66 · ≥ 1.00
Reading: does not hold. Not a gate checkDisciplined buybacks: actively reducing the share count (bonus)reading, not a gate check0.0%
Decided by the pass rule for Quality Compounder.The pass rule for Quality Compounder is what decides that verdict, and it is not restated here. Lines marked as readings are published beside the checks and are not gate checks.Quality Compounder under The screens ›Today's Quality Compounder list ›
Timing — dip & swing receipts
Drawdown Contexta dip, not a collapse
~ BorderlinePassesOff its 52-week high by 8–35% (a dip, not a collapse)26.3% · 8.0%–35.0%
FailsDip within its own normal pullback band0.26
PassesNot past where its dips have historically recovered from0.79
FailsA dip in an uptrend (above a rising 200-day)52.50
PassesHigher-low structure still intactstructure intact · higher low
Unknown — no dataClear of the earnings blackout (more than 5 days out)— · > 5.00
Decided by the pass rule for Drawdown Context.The pass rule for Drawdown Context is what decides that verdict, and it is not published separately on the methodology page. 1 of 6 carry no data.
Reversal Evidencedaily close onlysigns the pullback is turning
~ BorderlinePassesA bullish MACD cross within 10 sessions6.00 · ≤ 10.00
FailsReclaimed a rising 50-day EMA54.12
PassesPrinted a higher lowyes
FailsA volume thrust on the turn (≥ 1.2× normal)1.03 · ≥ 1.20
FailsReversal signals fired: 3 of 4 (MACD·MA·HL·Vol)2.00 · ≥ 3.00
Decided by the pass rule for Reversal Evidence.The pass rule for Reversal Evidence is what decides that verdict, and it is not published separately on the methodology page.
Not-a-Value-Trap Gatecheap for a good reason, not a broken one
✕ FailsFailsIn the cheap half of its own 5-year valuation range(through fiscal 2026)0.7×
PassesEarnings estimates not being cut0.00
FailsReturns on capital not deteriorating0.02
Decided by the pass rule for Not-a-Value-Trap Gate.The pass rule for Not-a-Value-Trap Gate is what decides that verdict, and it is not published separately on the methodology page.
Quality Floorpasses the quality/value gate on this dip
✕ FailsPassesOperating profit is positive(fiscal 2026: trailing figures for Consumer Cyclical are still under review)$432.6M · > 0
FailsReturn on invested capital ≥ 10%(TTM through Jun 30, 2026)1.9% · ≥ 10.0%
FailsA solvent balance sheet (Altman Z ≥ 1.8, net debt/EBITDA ≤ 4)(TTM through Jun 30, 2026)1.5×
FailsQuality score ≥ 5040.40 · ≥ 50.00
PassesRevenue growing over 5 years(fiscal 2021 to 2026)5.9% per year · > 0
Decided by the pass rule for Quality Floor.The pass rule for Quality Floor is what decides that verdict, and it is not published separately on the methodology page.
Qualified Dipa pullback with receipts, not a falling knife
~ BorderlineA research signal from published criteria, not a recommendation.
FailsDrawdown context26.3% off its 52-week high
FailsReversal evidence2 of 4 signals fired
FailsTrap gate1 of 3 held
FailsQuality floor2 of 5 held
Invalidation level (structure break): below this the dip's structure has broken$44.83
Decided by the pass rule for Qualified Dip.The pass rule for Qualified Dip is what decides that verdict, and it is not restated here.Qualified Dip under The screens ›Today's Qualified Dip list ›
Trend Alignmentprice in a confirmed uptrend
✕ FailsFailsTrading above its 50-day average55.52
FailsTrading above its 200-day average52.50
Passes50-day average above the 200-day (uptrend stack)55.52
Fails50-day average sloping up−0.09 · > 0
Decided by the pass rule for Trend Alignment.The pass rule for Trend Alignment is what decides that verdict, and it is not published separately on the methodology page.
Relative Strengthoutperforming, ranked vs the universe
✕ FailsFails3-month return in the top half of the universe0.15 · ≥ 0.50
Passes12-minus-1 momentum in the top half of the universe0.51 · ≥ 0.50
FailsRelative strength vs the S&P 500 improving−0.01 · > 0
FailsEarnings estimates being revised up0.00
Decided by the pass rule for Relative Strength.The pass rule for Relative Strength is what decides that verdict, and it is not published separately on the methodology page.
Momentum Triggera trigger you can see
✕ FailsPassesMACD above its signal line−1.68
FailsBack above the 50-day on a fresh cross (≤10 sessions)6.00
PassesHigher high and higher low (stair-stepping up)higher high · higher low
FailsA volume thrust on the move (≥ 1.2× normal)1.03 · ≥ 1.20
Decided by the pass rule for Momentum Trigger.The pass rule for Momentum Trigger is what decides that verdict, and it is not published separately on the methodology page.
Volatility Regimecontext, not a signal
Context, not scoredAverage daily swing: normal0.03
Volatility band width: mid-range0.51
Distance from its 52-week high: mid-range0.26
✓
Every verdict is auditableEach criterion shows the live number and the pass rule side by side — a receipt, not a rating. Several of these screens publish their rule in full under The screens; each row links to its own section where there is one.
!
Unknown ≠ failAn “— Unknown” verdict means the inputs were insufficient: context, not a signal, and never counted as a fail.
Common questions
How many investing rule sets does U-Haul Holding pass?
U-Haul Holding qualifies on 0 of 17 rule sets as of 2026-10-27, with 3 borderline and 13 failing.
Does U-Haul Holding meet the Graham Defensive criteria?
U-Haul Holding fails the Graham Defensive rule set as of 2026-10-27.
Does U-Haul Holding meet the Buffett Quality criteria?
U-Haul Holding fails the Buffett Quality rule set as of 2026-10-27.
Computed from our fundamentals DB; historical-CAGR PEG basis for Lynch. Research, not investment advice. Tenet's rulesets are independently developed from publicly available sources, and Tenet is not affiliated with, sponsored by, endorsed by or otherwise associated with any referenced investor or trademark owner. Full notice. MAGIC FORMULA is a trademark of MagicFormulaInvesting.com LLC.