AMERCO

NASDAQ

UHAL

Stock

Yield per half year: -10.92%
Dividend yield: 0%
Sector: Industrials

Reporting AMERCO

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Average for 5 years	CAGR 5
Capitalization, bln $	5.69	7.79	7.39	7.18	6.23	7.14	11.32	11.14	12.26		10.59	9.62	14.50
Revenue, bln $		3.28	3.42	3.6	3.77	3.98	4.54	5.74	5.86	5.63	5.63	5.15	7.18
Net profit, bln $		0.489	0.398	0.791	0.371	0.442	0.611	1.12	0.9245	0.6287	0.6287	0.7452	7.30
EV, bln $		11.85	12.34	8.95	8.68	10.13	14.47	14.85	16.39	17.73	17.73	14.71	11.85
EBIT, bln $		0.8636	0.7388	0.7643	0.621	0.5401	0.9611	1.64	1.45	1.1	1.1	1.14	15.29
EBITDA, bln $		1.25	1.22	1.32	1.2	1.2	1.62	2.34	2.18	1.92	1.92	1.85	9.86
OIBDA $						1.3	1.98	2.86	2.7	2.27	2.27	2.22	11.79
Book value, bln $		2.53	2.89	3.64	3.98	4.4	4.96	5.89	6.53	7.17	7.17	5.79	10.26
FCF, bln $		-0.468	-0.399	-0.427	-0.894	-1.23	0.094	-0.1903	-0.9943	-1.54	-1.54	-0.7721	4.60
Operating Cash Flow, bln $		1.04	1.02	0.9363	0.9756	1.08	1.54	1.95	1.73	1.45	1.45	1.55	6.07
Operating profit, bln $		1.06	0.951	0.779	0.75	0.571	0.993	1.64	1.44	0.9778	0.9778	1.12	11.36
Operating expenses, bln $		2.02	2.28	2.63	2.82	3.04	3.34	3.81	3.57	0.6718	0.6718	2.89	-26.06
CAPEX, bln $		1.51	1.42	1.36	1.87	2.31	1.44	2.14	2.72	2.99	2.99	2.32	5.30

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	Average for 5 quarters	CAGR 5
Capitalization, bln $	122.91	141.08	120.87	101.38	102.73	53.9	12.34	11.5	11.39	11.11					20.05	-27.08
Revenue, bln $					1.7	1.38	1.19	1.54	1.65	1.34	1.18	1.55	1.66	1.39	1.42	0.74
Net profit, bln $					0.352	0.1989	0.0377	0.2568	0.2735	0.0992	-0.0097	0.1954	0.1868	0.0672	0.1078	-7.49
EV, bln $					13.08	15.42	14.92	14.82	15.44	18.51	17.73	17.61	20.57	12.51	17.39	-7.54
EBIT, bln $					0.5221	0.3204	0.1104	0.4081	0.2214	0.1998	0.0778	0.309	0.3232	0.1656	0.2151	-3.69
EBITDA, bln $					0.6413	0.5034	0.2525	0.6016	0.4224	0.4096	0.2762	0.5333	0.568	0.4179	0.4410	0.40
OIBDA $										0.508	0.3298	0.6394	0.6832	0.5015	0.5324	-0.26
Book value, bln $					6.72	6.41	6.53	6.78	7.03	7.09	7.17	7.35	7.52	7.63	7.35	1.48
FCF, bln $					-0.1526	-0.4134	-0.4335	-0.3079	-0.4191	-0.434	-0.3792	-0.5093	-0.4335	2.2	0.0888	-238.35
Operating Cash Flow, bln $					0.5368	0.3275	0.2139	0.4657	0.4717	0.3026	0.2127	0.4539	0.5304	0.2716	0.3542	-2.14
Operating profit, bln $					0.5368	0.3204	0.1104	0.3997	0.4224	0.1976	0.044	0.3016	0.302	0.1507	0.1992	-5.27
Operating expenses, bln $					1.1	0.9925	0.9023	0.9086	0.8353	0.9894	0.0052	0.0046	0.2303	1.04	0.4539	1.00
CAPEX, bln $					0.1817	0.7409	0.6475	0.7736	0.8908	0.7366	0.5919	0.9632	0.9638	1.93	1.04	21.25

	Average for 5 quarters	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Average for 5 years	CAGR 5
Cash, bln $			0.6006	0.6978	0.7594	0.6737	0.4944	2.33	2.7	2.06	1.53	1.53	1.82	25.35
Short-Term Investments $			0.0348	0.0151	0.0104	0.0055	0.007	0.0072	0.0309	0.0159	0.000997	0.000997	0.0124	-32.28
Long-Term Investments $	0.2489	0.2687	0.3101	0.3678	0.3991	0.3007	0.3604	0.4898	0.5438	3.35			1.01	61.95
Accounts Receivable $			0.2609	0.2642	0.2268	0.2557	0.2215	0.2598	0.2293	0.1895	0.2159	0.2159	0.2232	-0.51
Total Current Assets $			1.08	1.17	1.24	1.21	1.38	2.03	3.38	2.69	2.32	2.32	2.36	10.95
Net assets, bln $		1.88	2.25	2.62	3.41	3.69	4.22	4.85	9.63	11.35		11.35	6.75	25.20
Assets, bln $			8.15	9.41	10.75	11.89	13.44	14.65	17.3	18.12	19.06	19.06	16.51	7.24
Short-Term Debt $			0.347	0.417	0.46	0.9594	1.09	1.07	0.5023	0.5875	0.4585	0.4585	0.7417	-15.90
Long-Term Debt $			1.97	2.39	2.53	4.16	4.62	3.51	4.73	6.17	4.45	4.45	4.70	-0.75
Liabilities, bln $			5.9	6.79	7.34	8.2	9.22	9.8	11.41	11.6	11.89	11.89	10.78	5.22
Net debt, bln $			4.06	4.95	5.28	3.49	4.23	3.57	3.39	4.69	4.79	4.79	4.13	2.52
Debt, bln $			4.66	5.65	2.53	3.12	3.49	5.48	6.1	6.75	6.33	6.33	5.63	12.65
Interest Income $			0.0977	0.1134	0.1267	0.1424	0.161			0.000774			0.1089	-63.12
Interest Expense, bln $			0.0947	0.11	0.1387	0.1565	0.1576	0.1562	0.1619	0.224	0.2555	0.2555	0.1910	10.15
Net interest income, bln $				-0.1134	0.1267	0.1424	0.161	-0.1635	-0.1674	0.000774	0.1254	0.000774	-0.0087	-4.88
Amortization, bln $			0.3894	0.4815	0.5551	0.581	0.6579	0.6603	0.697	0.7339	0.8179	0.8179	0.7134	4.45
Cost of production, bln $			0.145	0.1525	0.1605	0.1621	0.164	0.2141	0.2596	0.8449	3.98	3.98	1.09	89.24
Inventory $			0.0798	0.0824	0.0899	0.1035	0.1011	0.1056	0.1589	0.1515	0.1509	0.1509	0.1336	8.34

	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	Average for 5 quarters	CAGR 5
Cash, bln $											3.07	2.51	2.06	2.38	2.15	1.81	1.53	1.15	1.44	1.02	1.39	-10.84
Short-Term Investments $										2.67	0.0335	0.0133	0.0159	0.0135		0.000993	0.000997	2.4	2.44	2.62	1.49	383.36
Long-Term Investments $							0.5719	0.6024	0.5438	0.5571	0.5482	0.5185	3.35	3.08	3.11	3.13					2.64	43.27
Accounts Receivable $											0.2515	0.2837	0.2378	0.2498	0.2527	0.1959	0.2159	0.2536	0.2176	0.2394	0.2245	4.09
Total Current Assets $											3.72	3.19	2.69	3.04	2.82	2.45	2.25	1.81	2.14	3.97	2.52	10.13
Net assets, bln $						4.86	8.89	5.82	5.89	6.07	6.31	10.92	11.35	11.84	6.01						9.29	-0.97
Assets, bln $											18.14	18.12	18.12	18.61	19.02	19	19.06	19.31	20.13	20.33	19.57	1.36
Short-Term Debt $										1.1	0.765	0.615	0.5875	0.6546	0.6681	0.6933	0.5479	0.0774	0.5242		0.5022	-4.74
Long-Term Debt $											4.07	4.05	6.17	4.67	4.69	4.64	4.45	4.38	4.86	4.91	4.65	1.14
Liabilities, bln $											11.83	11.7	11.6	11.84	11.99	11.91	11.89	11.95	12.61	12.7	12.21	1.29
Net debt, bln $											3.3	3.75	4.11	3.97	4.32	4.7	4.79	5.11	5.38	-1.02	3.79	-173.67
Debt, bln $											1.23	6.26	6.17	5.33	6.47	6.5	6.33	6.26	6.81	6.95	6.57	1.35
Interest Income $	0.0373	0.0389	0.0391	0.04	0.043							0.000455		0.0012	0.0013	0.0015					0.0095	-48.89
Interest Expense, bln $											0.0554	0.0572	0.0579	0.0603	0.0639	0.0671	0.0642	0.0671	0.0717	0.0762	0.0693	2.58
Net interest income, bln $									-0.0447	-0.0498	-0.0572	0.000455	-0.0579	0.0012	0.0013	0.0015	0.1215	0.0197			0.0290	75.01
Amortization, bln $											0.1814	0.183	0.1421	0.1935	0.2009	0.2098	0.1983	0.2243	0.2448	0.2523	0.2259	3.76
Cost of production, bln $											0.0726	0.0546	0.1753	0.2229	0.0683	0.182	1.13	1.24	1.13	0.1965	0.7757	1.54
Inventory $											0.1661	0.1501	0.1515	0.1649	0.1615	0.1552	0.1509	0.1576	0.1576	0.1551	0.1553	-0.01

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Average for 5 years	CAGR 5
EPS	24.95	20.34	40.36	18.93	22.55	31.15	5.73	4.71	3.21		3.21	13.47	-32.29
Share price		369.59	377.91	328.11	375.82	453.96	59.78	71.8	69.09	63.3	63.3	143.59	-32.57
Number of shares, mln	20	20	19	19	19	19	196.08	196.08	196.08		196.08	125.25	59.49
FCF/share	52.05	49.8	46.77	-4.57	-6.29	0.479	-0.9705	-5.07	-7.85		-7.85	-3.9403	4.53

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Average for 5 quarters	CAGR 5
EPS					17.95	1.01	0.1925	1.31	1.39	0.506	-0.0494	0.9966	0.9527	0.3425			0.5497	-7.51
Share price			616.45	517.04	523.93	275.03	62.92	58.67	58.08	56.7					65.39	63.3	60.43	1.53
Number of shares, mln	196.08	196	196.08	196.08	196.08	196	196.08	196.08	196.08	196							196.05	0.00
FCF/share					-0.7783	-2.11	-2.21	-1.57	-2.14	-2.21	-1.93	-2.6	-2.21	11.21			0.4520	-238.37

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
ROE, %			23.65	16.36	26.23	10.45	11.17	13.47	20.94	14.89	9.18		9.18	15.63	13.93	-3.85
ROA, %			6.51	4.54	7.85	3.28	3.49	4.35	7.04	5.22	3.38		3.38	5.85	4.70	-0.64
ROIC, %		11.04	12.18	8.65	13.81	6.48	6.62	7.88	9.67	7.2			7.2	13.90	7.57	2.13
ROS, %				21.58	21.12	16.35	13.44	21.01	19.59	15.76	11.18	11.18	11.18	15.14	15.74	-11.85
ROCE, %				28.2	9	6.66	5.02	8.08	11.32	8.82	6.34	15.36	15.36	22.52	9.98	13.71
EBIT margin							13.57	21.21	28.59	24.72	19.58	19.58	19.58	22.56	22.74	-1.59
EBITDA margin				34.59	36.55	31.76	30.13	28.85	40.73	37.24	34.12	34.12	34.12	33.87	35.01	3.41
Net margin			32.3	27.8	21.6	19.9	14.3	21.9	19.59	15.76	11.18		11.18	15.14	16.55	-4.80
Operational efficiency, %				27.8	21.62	19.89	18.73	21.16	28.66	24.62	17.38	17.38	17.38	21.47	21.84	-3.86
Net interest margin, %	12.08	11.6	14.93	11.64	21.95	9.84	11.11	13.45	19.57				19.57	17.91	15.18	-2.27
FCF yield, %	14.92	13.95	13.36	13.47	12.38	-1.22	-1.84	0.0777	-0.2012	-8.59					-2.3547	47.75

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
ROE, %					5.94	3.26	0.6036	3.79	4.15	1.47	-0.1397	2.76	2.59	0.9138			15.63	1.52	-9.07
ROA, %					1.96	1.1	0.2083	1.38	1.45	0.5219	-0.0509	1.02	0.9474	0.332			5.85	0.5541	-8.65
ROIC, %					3.25	1.86	0.3373	2.18	2.08	0.7951	-0.0064	1.5	1.36	0.5213			13.90	0.8340	-8.10
ROS, %							3.17	16.67	16.58	7.41	-0.8215	12.62	11.27	4.84	11.18	11.18	15.14	10.22	-2.39
ROCE, %							0.7035	6.02	1.33	1.17	0.4513	1.75	1.81	0.8902	15.36	15.36	22.52	7.03	54.41
EBIT margin									13.42	14.92	6.6	19.95	19.49	11.92	19.58	19.58	22.56	18.10	-0.37
EBITDA margin							21.24	39.06	25.6	30.58	23.42	34.44	34.26	30.1	34.12	34.12	33.87	33.41	-0.19
Net margin					20.67	14.46	3.17	16.67	16.58	7.41	-0.8215	12.62	11.27	4.84			15.14	7.06	-8.17
Operational efficiency, %							9.29	25.95	25.6	14.75	3.73	19.48	18.21	10.86	17.38	17.38	21.47	16.66	-2.26
FCF yield, %	0.1575	-0.2433	-0.2701	0.0052	-0.1485	-0.7669	-3.51	-2.68	-3.68	-3.9								-2.9074	38.44

Coefficients

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
P/E	15.8	22.7	7.7	20	17.5	14.1	10.19	12.65	20.58		20.58	83.21	15.00	3.30
P/BV	2.8	2.6	1.8	1.8	1.9	2.6	1.95	1.79	1.8		1.8	8.99	2.01	-1.08
P/S	2.2	2.1	1.7	1.9	2.2	2.7	2	1.99	2.3		2.3	7.66	2.24	0.89
P/FCF		7.31	6.8	7.5	8.29	151.62	-497.06	-10.65	-6.88	-6.88	-6.88	75.29	-73.9700	-153.87
E/P		0.0055	0.0114	0.0051	0.0066	0.0051	0.0119	0.0798	0.0594	0.0594	0.0594	0.03	0.0431	63.40
EV/EBIT					8.75	16.2	9.05	11.3	16.1	16.1	16.1	63.81	13.75	-0.12
EV/EBITDA	10.27	10.43	6.8	7.25	8.45	6.29	6.35	7.5	9.24		9.24	40.40	7.57	1.80
EV/S		21.9	19.8	20.32	17.91	27.37	2.59	2.79	3.15	3.15	3.15	8.04	7.81	-35.11
EV/FCF		-187.56	-166.84	-85.64	-57.74	1323.48	-78.02	-16.48	-11.51	-11.51	-11.51	149.26	241.19	-138.71
Debt/EBITDA		4.77	1.92	2.61	2.91	2.17	2.61	3.09	3.3	3.3	3.3	1.42	2.89	8.75
Netdebt/Ebitda		4.46	4.43	6.24	7.31	1.59	1.45	2.15	2.5	2.5	2.5	0.96	2.04	9.47
Debt/Ratio		0.72	0.68	0.69	0.69	0.67	0.3524	0.3726	0.3319	0.3319	0.3319	0.13	0.4118	-13.11
Debt/Equity		2.59	2.15	2.22	2.18	2.02	1.04	1.03	0.882	1.66	1.66	1.57	1.33	-3.85
Debt/Net Income		7.04	3.78	11	10.35	7.5	5.42	7.31	10.06	10.06	10.06	3.56	8.07	6.05
PEG										-19.87	-19.87	-62.74	-19.8700	0.00
Beta					0.85	0.95	1	2.17	0.0152	0.1307	0.1307	0.69	0.8532	-32.75
Altman Index		1.65	1.5	1.45	1.45	2.26	2.16	2.97	2.64	2.64	2.64	43.16	2.53	3.16

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
P/E		8.37	9.37	12.01	11.72	12.83	14.5	20.7		22.38	32.2	30.76				83.21	24.11	16.23
P/BV			1.55	1.82	1.66	1.6	1.58	1.95	1.8	1.7	2.02	1.77				8.99	1.85	-1.92
P/S			1.67	1.99	1.84	1.87	1.93	2.42	2.27	2.19	2.65	2.34				7.66	2.37	-0.67
P/FCF	-370.24	19369.66	-673.21	-130.4	-28.46	-37.37	-27.18	-25.61						-6.88	-6.88	75.29	-20.7840	-28.71
E/P	0.000718	0.0033	0.0034	0.0037	0.0031	0.0223	0.024	0.0089						0.0594	0.0594	0.03	0.0348	21.65
EV/EBIT							69.73	92.64	227.8	56.98	63.65	75.55		16.1	16.1	63.81	45.68	-22.34
EV/EBITDA			5.75	6.99	7.01	24.63	8.67	9.84	9.31	9.55	11.51	6.97				40.40	9.44	-6.66
EV/S					14.33	9.62	9.36	13.82	15.04	11.37	12.41	9.01		3.15	3.15	8.04	7.82	-22.64
EV/FCF					-39.28	-48.12	-36.84	-42.65	-46.76	-34.57	-47.45	5.69		-11.51	-11.51	149.26	-19.8700	-19.74
Debt/EBITDA					24.42	8.86	15.31	15.87	22.91	11.74	11.99	16.62		3.3	3.3	1.42	9.39	-22.42
Netdebt/Ebitda					16.26	6.6	10.23	11.46	17.35	9.57	9.47	-2.43		2.5	2.5	0.96	4.32	-23.55
Debt/Ratio					0.3726	0.2862	0.3399	0.3422	0.3319	0.3242	0.3385	0.3417		0.3319	0.3319	0.13	0.3336	0.47
Debt/Equity					1.03	0.7859	0.9196	0.9173	0.882	0.8516	0.9061	0.9103		1.66	1.66	1.57	1.20	14.28
Debt/Net Income					178.97	20.74	23.64	65.53	-653.08	32.03	36.47	103.42		10.06	10.06	3.56	38.41	-20.68
PEG														-19.87	-19.87	-62.74	-19.8700	0.00
Beta													0.6766	0.0134	0.1307	0.69	0.2736	-42.19
Altman Index	10.23	8.94	8.95	5.5	2.59	2.74	1.73						2.64	2.64	2.64	43.16	2.48	-0.74

Dividends

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
Div. payout, bln		0.0196	0.0784	0.0294	0.0392	0.0294	0.049	0.0294	0.0337	0.0318			0.0318		0.0347	1.58
Dividend	1	5	2	2.5	2	1.5	2.5	1.5	0.1				0		1.52	-45.07
Dividend yield, %	0.35	1.28	0.54	0.66	0.61	0.4	0.55	0.21	0				0	0.48	0.4860	-20.47
Dividends / profit, %			16.03	14.75	3.72	10.56	6.65	8.02	2.62	3.65	5.05		5.05	9.49	5.20	-5.36
Dividend coverage ratio												19.79	19.79	36.19	19.79	0.00

	2019Q1	2019Q3	2019Q4	2020Q3	2020Q4	2021Q2	2021Q3	2021Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
Div. payout, bln										0.0098	0.0071	0.0071	0.0071	0.0071	0.0088	0.0088	0.0088	0.0088	0.0088				0.0088	0.00
Dividend	0.05	0.0433	0.0433	0.0434	0.2	0.0436	0.0436	0.0437	0.0437	0.0438													0.0437	0.09
Dividend yield, %	0.0138	0.0117	0.0114	0.0127	0.0502	0.0074	0.007	0.0061	0.0085	0.0084												0.48	0.0075	2.57
Dividends / profit, %										2.79	3.55	18.7	2.75	2.58	8.89	-91.09	4.52	4.72	13.14			9.49	-11.9640	8.13
Dividend coverage ratio																				19.79	19.79	36.19	19.79	0.00

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Other

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	CAGR 5
Total Debt	1.76	1.57	1.55	1.64				1.64	-1.75
CAPEX/Revenue, %			58.04	31.74	37.22	46.45	53.2	53.2	-1.73
Staff, people				14 304	14 304	16 368	17 901		5.77

	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	CAGR 5
CAPEX/Revenue, %	54.99	50.2	62.2	58.13	138.78	20.34

	CAGR 5