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    UHAL
    Earnings call· Mar 2026(Q4 FY26)

    U-Haul Holding Co /NV/ Q4 FY26 earnings call UHAL

    May 28, 2026 Source

    Executive summary

    U-Haul Holding Company Q4 FY26 — Capital Allocation Shift and Strategic Investments

    U-Haul Holding Company reported a challenging Q4 FY26 with increased losses driven by higher fleet depreciation and a decline in full-year earnings. However, the company is shifting its capital allocation strategy, authorizing a $350 million share repurchase plan due to reduced growth CapEx and a belief in the stock's undervaluation. Management is focused on optimizing asset utilization, improving storage occupancy post-delinquency cleanup, and strategically growing its U-Box and toy hauler fleets while pausing truck fleet expansion.

    Highlights

    4
    • Moving and storage adjusted EBITDA increased $6 million to $223 million for the quarter and $26 million to $1.646 billion for the full year.

    • Equipment rental revenue grew $12 million in Q4 and $86 million (2%) for the full fiscal year, with both In-Town and One-Way markets showing increases.

    • Storage revenues rose $16 million (7%) in Q4 and $74 million (8%) for the full year, with average revenue per occupied foot improving over 6%.

    • The Board of Directors authorized a $350 million share repurchase plan, signaling confidence in the company's valuation and capital availability.

    Concerns

    5
    • The company reported a fourth-quarter loss of $128 million, compared to a loss of $82 million in the prior year.

    • Full-year fiscal 2026 earnings were $83 million, a significant decrease from $367 million in the previous year.

    • Fourth-quarter EPS was a loss of $0.65 per nonvoting share, worsening from a $0.41 loss in the prior year.

    • Depreciation on the truck fleet increased $40 million in Q4 to $221 million and $186 million for the full year to $879 million, primarily due to higher-cost cargo vans.

    • Same-store occupancy for storage was down 540 basis points to 86.1%, with 450 basis points attributed to the cleanup of delinquent rooms.

    Guidance & targets

    8
    CategoryTargetConfidence
    Truck fleet growth
    No planned growth
    high materiality
    High
    Net equipment purchases (decrease)
    Decrease somewhere around $560 million
    high materiality
    High
    Self-storage growth spending
    Continuing to see spending decline
    medium materiality
    Medium
    U-Box container fleet growth
    Growth at a slower clip than last year
    medium materiality
    High
    Toy hauler trailer fleet growth
    Growth at a slower clip than last year
    medium materiality
    High
    Share repurchase plan deployment
    Eager to deploy, not waiting too long
    high materiality
    High
    Liability costs
    Not expected to get much worse
    low materiality
    Medium
    Fleet depreciation
    On track to decrease in second half of this year
    high materiality
    Medium

    Segment performance

    3
    SegmentRevenueYoYQoQMargin
    Moving and Storage (Total)
    Adjusted EBITDA for the overall moving and storage segment increased for both the quarter and the full fiscal year.
    Adjusted EBITDA Q4: $223MAdjusted EBITDA FY26: $1.646B
    $223M
    Equipment Rental
    Equipment rental revenue saw growth in both Q4 and the full fiscal year, with In-Town markets showing stronger performance. April and May revenue trends were in line with Q4.
    Full year revenue growth: $86M (2%)In-Town market growth: More robustOne-Way market growth: Increased
    $12M$12M
    Self-Storage
    Self-storage revenue grew significantly. Occupancy was impacted by a deliberate cleanup of delinquent rooms, but average revenue per occupied foot and new customer rental rates improved. Net tenant move-ins remain slower but are showing incremental improvement.
    Full year revenue growth: $74M (8%)Average revenue per occupied foot improvement: >6%Average new customer rental rates increase: ~3% YoYSame-store occupancy: 86.1% (down 540 bps YoY)Same-store occupancy decline due to delinquency cleanup: 450 bpsOperating expenses Q4: Up $17M
    $16M$16M (7%)

    Operational metrics

    29
    Depreciation on truck fleet
    $221Mvs $181M YoY
    Q4 FY26

    Approximately half of the fourth quarter's decline in EPS came from this increase.

    Depreciation on truck fleet
    $879Mvs $693M YoY
    FY26

    Full fiscal year depreciation increased significantly.

    Box truck fleet growth
    14,000 units
    March '25 to March '26

    Growth in the box truck fleet contributed to increased depreciation.

    New company-operated locations
    55
    March '25 to March '26

    Expansion of the company's physical footprint.

    Net increase in independent dealers
    1,400
    March '25 to March '26

    Part of the strategy to expand the dealer network and productively disperse equipment.

    Capital expenditures for new rental equipment
    $2.81Bup $218M YoY
    FY26

    Significant investment in new rental equipment during the fiscal year.

    Proceeds from sale of retired rental equipment
    $700Mup $48M YoY
    FY26

    Proceeds from equipment sales helped offset new purchases.

    Net equipment purchases
    $1.381B
    FY26

    Total net investment in rental equipment.

    Growth-related equipment spend
    ~$780M
    FY26

    Portion of equipment spend dedicated to fleet expansion.

    Real estate acquisitions and development
    $966Mdown $541M YoY
    FY26

    Investment in self-storage and U-Box warehouse development.

    New storage locations added
    66
    FY26

    Number of new self-storage locations brought online.

    Net rentable square feet added (storage)
    5.3M sq ft
    FY26

    Total new rentable square footage from storage additions.

    Storage square feet under development
    5.5M sq ftvs 6.9M sq ft last year
    Current

    Square footage currently under active development.

    Potential storage square feet (owned properties)
    6.2M sq ftvs 8.1M sq ft last year
    Current

    Future development potential on owned properties.

    Personnel expense
    $13Mup $13M
    Q4 FY26

    Increase in personnel costs for the quarter.

    Fleet maintenance and repair
    $1Mup $1M
    Q4 FY26

    Increase in fleet maintenance costs for the quarter.

    Self-insurance liability decrease
    $2M
    Q4 FY26

    Decrease in liability largely due to a rough Q4 last year.

    Self-insurance reserves increase
    $93M
    FY26

    Reserves were increased over the course of the fiscal year.

    Cash and availability (moving and storage)
    $8.479B
    End of March

    Total liquidity available to the moving and storage segment.

    Share repurchase plan authorization
    $350M
    Authorized

    New authorization for share repurchases across both share classes.

    U-Box activity (moves and boxes in storage)
    Up
    Q4 FY26

    Both U-Box moves and boxes in storage increased, with boxes in storage growing at a heavier percentage.

    U-Box revenue per transaction
    DownSecond consecutive quarter
    Q4 FY26

    Impacted by shorter moves, lower freight rates, and increased market competitiveness.

    One-Way moves miles per transaction
    Small declines
    Ongoing

    Continues to be a headwind, expected to bottom out with improved consumer confidence.

    U-Box warehouses with >500 box capacity
    49Added
    March '25 to March '26

    Part of a strategy to consolidate and increase efficiency of U-Box storage.

    U-Box warehouses with <100 box capacity
    160Reduced
    March '25 to March '26

    Part of a strategy to consolidate and increase efficiency of U-Box storage.

    Containers stored inside warehouses
    52,000-53,000Increased
    March '25 to March '26

    Overall increase in U-Box container storage capacity through consolidation.

    Storage revenue increase per 1% occupied rooms
    ~$14M
    12-month period

    Rule of thumb for the financial impact of storage occupancy improvements.

    Year-over-year increase in occupied rooms (excluding delinquency)
    ~25,000-27,000 rooms
    FY26

    The underlying pace of filling rooms, excluding the impact of delinquency cleanup.

    EBITDA margin
    29%350 bps off target
    FY26

    Current EBITDA margin for the fiscal year, indicating room for improvement.

    Product announcements

    3
    ProductTypeDetails
    Toy hauler trailerexpansion
    U-Box container fleetexpansion
    1-year price lock guaranteelaunch

    Risks & headwinds

    5
    Increased depreciation on truck fleetQ4 FY26, FY26

    $40M increase in Q4, $186M increase for FY26

    Mitigation: Slowing rate of depreciation growth, no planned box truck fleet growth for next year, potential to extend cargo van holding periods or reduce future purchases based on resale market and manufacturer pricing.

    Resale market not recognizing increased price of newer cargo vansPast 12 months

    Not specified, but led to higher depreciation

    Mitigation: Step down in pricing for model year '25 and '26 units, optionality to sit out a year of buying vans if resale market is not favorable relative to new truck charges.

    Slower net tenant move-ins for self-storageOngoing

    Slower than recent years

    Mitigation: Strategy of straightforward pricing, including a 1-year price lock guarantee, is strengthening team resolve and resonating with customers.

    Small declines in miles per transaction for One-Way movesOngoing (over a year)

    Small declines

    Mitigation: Expects to bottom out, waiting for consumer confidence to improve.

    Competitive U-Box marketCurrent

    Market appears more competitive than a year ago

    Mitigation: Company intends to remain competitive in the market.

    Q&A highlights

    10

    Can you discuss the trends in U-Box revenue per transaction, which has been down, and how volume is playing out?

    U-Box activity, including moves and boxes in storage, is up, with boxes in storage growing faster. The decline in revenue per transaction is due to shorter moves, lower freight rates, and increased market competitiveness.

    As far as the revenue per transaction issues, we're seeing a couple of things. One would be the same thing we're seeing on some of the One-Way moves, and that is shorter moves, right? Shorter moves combined with whatever we've seen on the freight side, which for most of the year has been down. And then the last item I would like to highlight would be that competitively, I think the market appears to be a little bit more competitive than, say, it was a year ago, and we're going to be competitive right along with it.

    asked by Steven Ramsey · answered by Jason Berg

    3 min read6 chapters

    Detailed Narrative

    01

    Fleet Depreciation and Resale Market Dynamics

    U-Haul experienced a significant increase in truck fleet depreciation, rising $40 million in Q4 to $221 million and $186 million for the full year to $879 million. This was primarily driven by the higher cost of 2023 and 2024 model year cargo vans, which depreciated into a less receptive resale market. While the rate of depreciation growth has slowed, the company is not planning truck fleet growth for the upcoming fiscal year. Future decisions on cargo van purchases will be guided by the resale market performance and manufacturer pricing, with optionality to extend holding periods or reduce purchases if conditions are unfavorable.

    02

    Equipment Rental Performance and Dealer Network Expansion

    Equipment rental revenue increased by $12 million in Q4 and $86 million (2%) for the full fiscal year, with both In-Town and One-Way markets contributing to growth, though In-Town was more robust. The company added 55 new company-operated locations and a net increase of 1,400 independent dealers between March 2025 and March 2026. April and May revenue trends have been consistent with Q4, and management expects the expanded dealer network to contribute positively during the busy summer season, aiming for a return to 4.5%-5% growth.

    03

    Self-Storage Revenue Growth and Occupancy Management

    Storage revenues grew $16 million (7%) in Q4 and $74 million (8%) for the full year. Average revenue per occupied foot improved over 6% for both same-store and non-stabilized portfolios, and new customer rental rates increased by approximately 3% year-over-year. Same-store occupancy declined 540 basis points to 86.1%, with 450 basis points attributed to a deliberate cleanup of delinquent rooms. Net tenant move-ins remain slower but show incremental improvement, supported by a strategy of straightforward pricing and a 1-year price lock guarantee.

    04

    Strategic Capital Allocation Shift

    The U-Haul Holding Company Board of Directors authorized a $350 million share repurchase plan, covering both UHAL and UHAL.B share classes. This decision reflects management's belief that the stock is undervalued and is enabled by projected decreases in growth CapEx for the upcoming fiscal year. The company views this as a wise allocation of capital, leveraging the significant investments made in the business over recent years to return value to shareholders while assets mature and demand catches up to expanded capacity.

    05

    U-Box and Toy Hauler Fleet Expansion

    U-Haul plans to continue growing its U-Box container fleet and new toy hauler trailer fleet in the upcoming fiscal year, albeit at a slower pace than the previous year. The toy hauler trailers have seen diverse usage beyond initial expectations, including for smaller tractors. For U-Box, the company is consolidating warehouse space, adding 49 warehouses with over 500-box capacity while reducing smaller ones, increasing total container storage capacity by 52,000-53,000 units for greater efficiency and customer availability.

    06

    Operational Cost Management and Balance Sheet Strength

    Operating expenses for storage increased $17 million in Q4, with personnel costs up $13 million and fleet maintenance up $1 million. Self-insurance liability decreased $2 million in Q4, following a $93 million increase in reserves for FY26, indicating improved reserving. Management is focused on managing liability costs and expects stability in the coming year. The company maintains a strong liquidity position, with $8.479 billion in cash and availability in its moving and storage segment at the end of March.

    AI-generated summary of the company’s earnings call. Not investment advice.