Press Release: U-Haul Holding Company Reports Second Quarter Fiscal 2026 Financial Results

Dow Jones11-06
RENO, Nev.--(BUSINESS WIRE)--November 05, 2025-- 

U-Haul Holding Company (NYSE: UHAL, UHAL.B), parent of U-Haul International, Inc., Oxford Life Insurance Company, Repwest Insurance Company and Amerco Real Estate Company, today reported net earnings available to common shareholders for its second quarter ended September 30, 2025, of $105.6 million, compared with net earnings of $186.8 million for the same period last year. Earnings per share for Non-Voting Shares $(UHAL.B)$ were $0.54 for the second quarter of fiscal 2026 compared to $0.96 for the same period in fiscal 2025.

For the six-month period ended September 30, 2025, net earnings available to shareholders were $247.9 million compared with net earnings of $382.2 million for the same period last year. Earnings per share for Non-Voting Shares (UHAL.B) were $1.27 for the six-month period of fiscal 2026 compared to $1.96 for the same period in fiscal 2025.

"As anticipated, the increase in fleet depreciation expense and losses on the sale of retired equipment continued into this quarter," stated Joe Shoen, chairman of U-Haul Holding Company. "Revenues for our major product lines are up year-over-year however, profits are down two years running. The better news is Federal Agencies are jettisoning impossible green mandates. U-Haul will be renting trucks for the foreseeable future."

Highlights of Second Quarter Fiscal 2026 Results

   -- Moving and Storage earnings from operations, before consolidation of the 
      equity in earnings of the insurance subsidiaries, decreased $83.3 million 
      to $197.4 million compared to the second quarter of fiscal 2026. 
 
          -- Increased losses from the disposal of retired rental equipment 
             accounted for $56.1 million of the decrease for the second quarter, 
             while fleet depreciation expense increased $50.6 million for the 
             second quarter, all compared with the second quarter of fiscal 
             2025. 
 
   -- Moving and Storage earnings before interest, taxes, depreciation and 
      amortization (EBITDA) increased $31.6 million to $542.6 million compared 
      to the second quarter of fiscal 2025 and for the trailing twelve months 
      for September 30, 2025 increased $115.5 million to $1,681.9 million 
      compared to the trailing twelve months for September 30, 2024. 
 
   -- Self-storage revenues increased $21.8 million, or 9.7% versus the second 
      quarter of fiscal year 2025. 
 
          -- Same store occupancy decreased 3.5% to 90.5%, revenue per foot 
             increased 4.0%, and the number of locations qualifying for the 
             pool increased by 10. 
 
          -- During the second quarter of fiscal 2026, we added 23 new 
             locations with storage and 1.6 million net rentable square feet 
             (nrsf). 
 
          -- We have approximately 14.2 million NRSF in development or pending. 
 
   -- Self-moving equipment rental revenues increased $23.1 million, or 2.1% 
      versus the second quarter of fiscal year 2025. Revenue per transaction 
      increased for both our In-Town and One-Way markets compared to the second 
      quarter of fiscal 2025. Compared to the same period last year, we 
      increased the number of Company operated retail locations, independent 
      dealers, along with the number of box trucks in the rental fleet. 
 
   -- Other revenue for Moving and Storage increased $12.0 million or 7.4% 
      versus the second quarter of fiscal 2025 due to growth of our U-Box 
      product offering. We continue to expand our breadth and reach of this 
      program through additional warehouse space, moving and storage containers 
      and delivery equipment. 
 
   -- Fleet maintenance and repair costs experienced a $10.4 million increase, 
      compared with the second quarter of fiscal 2025. 
 
   -- Cash and credit availability at the Moving and Storage segment was 
      $1,376.0 million as of September 30, 2025 compared with $1,347.5 million 
      at March 31, 2025. 
 
   -- On August 21, 2025, we declared a cash dividend on our Non-Voting Common 
      Stock of $0.05 per share to holders of record on September 15, 2025. The 
      dividend was paid on September 26, 2025. 

Supplemental financial information as of September 30, 2025 is available at investors.uhaul.com under "Investor Kit."

U-Haul Holding Company will hold its investor call for the second quarter of fiscal 2026 on Thursday, November 6, 2025, at 8 a.m. Arizona Time (10 a.m. Eastern). The call will be broadcast live over the Internet at investors.uhaul.com. To hear a simulcast of the call, or a replay, visit investors.uhaul.com.

About U-Haul Holding Company

U-Haul Holding Company is the parent company of U-Haul International, Inc., Oxford Life Insurance Company, Repwest Insurance Company and Amerco Real Estate Company. U-Haul is in the shared use business and was founded on the fundamental philosophy that the division of use and specialization of ownership is good for both U-Haul customers and the environment.

About U-Haul

Since 1945, U-Haul has been the No. 1 choice of do-it-yourself movers, with a network of more than 25,000 locations across all 50 states and 10 Canadian provinces. U-Haul Truck Share 24/7 offers secure access to U-Haul trucks every hour of every day through the customer dispatch option on their smartphones and our patented Live Verify technology. Our customers' patronage has enabled the U-Haul fleet to grow to approximately 203,000 trucks, 137,400 trailers and 41,700 towing devices. U-Haul is the third largest self-storage operator in North America and offers 1,111,000 rentable storage units and 96.5 million square feet of self-storage space at owned and managed facilities. U-Haul is the largest retailer of propane in the U.S., and continues to be the largest installer of permanent trailer hitches in the automotive aftermarket industry. U-Haul has been recognized repeatedly as a leading "Best for Vets" employer and was recently named one of the 15 Healthiest Workplaces in America.

Certain of the statements made in this press release regarding our business constitute forward-looking statements as contemplated under the Private Securities Litigation Reform Act of 1995. Actual results may differ materially from those anticipated as a result of various risks and uncertainties. Readers are cautioned not to place undue reliance on these forward-looking statements that speak only as of the date hereof. The Company undertakes no obligation to publish revised forward-looking statements to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events, except as required by law. For a brief discussion of the risks and uncertainties that may affect U-Haul Holding Company's business and future operating results, please refer to our Form 10-Q for the quarter ended September 30, 2025, which is on file with the SEC.

Report on Business Operations

Listed below on a consolidated basis are revenues for our major product lines for the second quarter of fiscal 2026 and 2025.

 
                                             Quarter Ended September 30, 
                                           ------------------------------- 
                                               2025               2024 
                                           -------------      ------------ 
                                                     (Unaudited) 
                                                   (In thousands) 
Self-moving equipment rental revenues     $    1,110,477   $     1,087,348 
Self-storage revenues                            246,299           224,519 
Self-moving and self-storage product and 
 service sales                                    89,829            87,763 
Property management fees                           9,621             9,586 
Life insurance premiums                           18,370            20,488 
Property and casualty insurance premiums          28,272            25,767 
Net investment and interest income                40,022            37,794 
Other revenue                                    177,032           164,843 
                                           -------------      ------------ 
   Consolidated revenue                   $    1,719,922   $     1,658,108 
                                           -------------      ------------ 
 
 

Listed below are the revenues and earnings from operations at each of our operating segments for the second quarter of fiscal 2026 and 2025.

 
                                             Quarter Ended September 30, 
                                           ------------------------------- 
                                               2025               2024 
                                           -------------      ------------ 
                                                     (Unaudited) 
                                                   (In thousands) 
Moving and storage 
   Revenues                               $    1,632,827   $     1,573,643 
   Earnings from operations before 
    equity in earnings of subsidiaries           197,440           280,695 
Property and casualty insurance 
   Revenues                                       35,891            31,461 
   Earnings from operations                       17,154            13,823 
Life insurance 
   Revenues                                       54,113            56,157 
   Earnings from operations                        3,028             7,690 
Eliminations 
   Revenues                                      (2,909)           (3,153) 
   Earnings from operations before 
    equity in earnings of subsidiaries              (28)             (252) 
Consolidated Results 
   Revenues                                    1,719,922         1,658,108 
   Earnings from operations                      217,594           301,956 
 
 
 
Moving and Storage 
Debt Metrics 
                             September                            December   September 
(in thousands)(unaudited)       30,       June 30,   March 31,      31,         30, 
                                2025        2025        2025        2024        2024 
                             ----------  ----------  ----------  ----------  ---------- 
Real estate secured debt     $3,002,344  $2,727,545  $2,703,656  $2,436,840  $2,471,044 
Unsecured debt                1,700,000   1,700,000   1,700,000   1,700,000   1,700,000 
Fleet secured debt            2,965,804   2,792,015   2,758,821   2,724,349   2,554,194 
Other secured debt               64,357      65,570      66,864      68,402      69,264 
                             ----------  ----------  ----------  ----------  ---------- 
   Total debt                 7,732,505   7,285,130   7,229,341   6,929,591   6,794,502 
 
Cash and cash equivalents      $910,969    $726,069    $872,467    $883,108  $1,279,493 
Total assets                 18,460,371  17,858,535  17,522,952  17,291,214  17,164,316 
Adjusted EBITDA $(TTM)$         1,681,900   1,650,277   1,619,714   1,614,146   1,566,396 
 
Net debt to adjusted EBITDA         4.1         4.0         3.9         3.7         3.5 
Net debt to total assets          37.0%       36.7%       36.3%       35.0%       32.1% 
 
Percent of debt floating           7.1%        6.1%        6.1%        6.2%        5.9% 
Percent of debt fixed             92.9%       93.9%       93.9%       93.8%       94.1% 
Percent of debt unsecured         22.0%       23.3%       23.5%       24.5%       25.0% 
 
Unencumbered asset ratio*         3.96x       3.86x       3.91x       3.81x       3.78x 
 
 
*   Unencumbered asset value compared to unsecured debt committed, outstanding 
    or not. Unencumbered assets valued at the higher of historical cost or 
    allocated NOI valued at a 10% cap rate, minimum required is 2.0x 
 

The components of depreciation, net of (gains) losses on disposals for the second quarter of fiscal 2026 and 2025 are as follows:

 
                                             Quarter Ended September 30, 
                                           ------------------------------- 
                                               2025              2024 
                                           ------------      ------------- 
                                                     (Unaudited) 
                                                   (In thousands) 
Depreciation expense - rental equipment   $     226,909  $         176,340 
Depreciation expense - non rental 
 equipment                                       23,760             23,750 
Depreciation expense - real estate               51,440             44,735 
                                           ------------      ------------- 
   Total depreciation expense             $     302,109  $         244,825 
 
Net (gains) losses on disposals of 
 rental equipment                                38,329  $        (17,892) 
Net (gains) losses on disposals of 
 non-rental equipment                               170                337 
                                           ------------      ------------- 
   Total net (gains) losses on disposals 
    equipment                             $      38,499  $        (17,555) 
 
   Depreciation, net of (gains) losses 
    on disposals                          $     340,608  $         227,270 
                                           ------------      ------------- 
 
Net (gains) losses on disposals of real 
 estate                                   $       4,531  $           2,991 
 

The Company owns and manages self-storage facilities. Self-storage revenues reported in the consolidated financial statements represent Company-owned locations only. Self-storage data for our owned locations follows:

 
                                         Quarter Ended September 30, 
                                   --------------------------------------- 
                                          2025                 2024 
                                   -------------------  ------------------ 
                                                 (Unaudited) 
                                    (In thousands, except occupancy rate) 
Unit count as of September 30                      831                 758 
Square footage as of September 30               71,167              64,499 
Average monthly number of units 
 occupied                                          630                 610 
Average monthly occupancy rate 
 based on unit count                             76.3%               80.9% 
End of September occupancy rate 
 based on unit count                             74.4%               80.0% 
Average monthly square footage 
 occupied                                       55,623              53,108 
 

Listed below on a consolidated basis are revenues for our major product lines for the first six months of fiscal 2026 and 2025.

 
                                         Six Months Ended September 30, 
                                        -------------------------------- 
                                             2025              2024 
                                        ---------------   -------------- 
                                                  (Unaudited) 
                                                 (In thousands) 
Self-moving equipment rental revenues  $      2,168,750  $     2,101,680 
Self-storage revenues                           480,536          440,256 
Self-moving and self-storage product 
 and service sales                              188,017          184,354 
Property management fees                         19,203           19,081 
Life insurance premiums                          37,539           41,228 
Property and casualty insurance 
 premiums                                        50,010           46,996 
Net investment and interest income               75,233           74,919 
Other revenue                                   331,104          298,084 
                                        ---------------   -------------- 
   Consolidated revenue                $      3,350,392  $     3,206,598 
                                        ---------------   -------------- 
 

Listed below are the revenues and earnings from operations at each of our operating segments for the first six months of fiscal 2026 and 2025.

 
                                         Six Months Ended September 30, 
                                        -------------------------------- 
                                             2025              2024 
                                        ---------------   -------------- 
                                                  (Unaudited) 
                                                 (In thousands) 
Moving and storage 
   Revenues                            $      3,186,686  $     3,042,804 
   Earnings from operations before 
    equity in earnings of 
    subsidiaries                                440,318          575,753 
Property and casualty insurance 
   Revenues                                      65,612           59,639 
   Earnings from operations                      29,042           25,306 
Life insurance 
   Revenues                                     104,207          109,906 
   Earnings from operations                       5,704            7,643 
Eliminations 
   Revenues                                     (6,113)          (5,751) 
   Earnings from operations before 
    equity in earnings of 
    subsidiaries                                   (56)            (504) 
Consolidated Results 
   Revenues                                   3,350,392        3,206,598 
   Earnings from operations                     475,008          608,198 
 

The components of depreciation, net of (gains) losses on disposals for the first six months of fiscal 2026 and 2025 are as follows:

 
                                         Six Months Ended September 30, 
                                        -------------------------------- 
                                             2025             2024 
                                        --------------   --------------- 
                                                  (Unaudited) 
                                                 (In thousands) 
Depreciation expense - rental 
 equipment                             $       435,121  $        333,868 
Depreciation expense - non rental 
 equipment                                      47,779            47,711 
Depreciation expense - real estate             101,285            87,559 
                                        --------------   --------------- 
   Total depreciation expense          $       584,185  $        469,138 
 
Net (gains) losses on disposals of 
 rental equipment                      $        60,454  $       (25,840) 
Net (gains) losses on disposals of 
 non-rental equipment                             (22)               517 
                                        --------------   --------------- 
   Total net (gains) losses on 
    disposals equipment                $        60,432  $       (25,323) 
 
   Depreciation, net of (gains) 
    losses on disposals                $       644,617  $        443,815 
                                        --------------   --------------- 
 
Net (gains) losses on disposals of 
 real estate                           $         2,914  $          6,095 
 

The Company owns and manages self-storage facilities. Self-storage revenues reported in the consolidated financial statements represent Company-owned locations only. Self-storage data for our owned locations follows:

 
                                       Six Months Ended September 30, 
                                   --------------------------------------- 
                                          2025                 2024 
                                   -------------------  ------------------ 
                                                 (Unaudited) 
                                    (In thousands, except occupancy rate) 
Unit count as of September 30                      831                 758 
Square footage as of September 30               71,167              64,499 
Average monthly number of units 
 occupied                                          631                 602 
Average monthly occupancy rate 
 based on unit count                             77.2%               80.5% 
End of September occupancy rate 
 based on unit count                             74.4%               80.0% 
Average monthly square footage 
 occupied                                       55,511              52,412 
 
 
 
Self-Storage Portfolio Summary 
As of September 30, 2025 
(unaudited) 
-------------------------------------------------------------------- 
U-Haul Owned Store Data by State 
---------------------------------  ----------  --------  ----------- 
                                                Annual 
                                    Rentable   Revenue 
    State/                Units      Square      Per      Occupancy 
   Province      Stores  Occupied     Feet       Foot     During Qtr 
--------------   ------  --------  ----------  --------  ----------- 
Texas                99    36,733   4,706,618    $15.08        73.3% 
California           90    33,921   3,351,341    $21.60        78.7% 
Florida              89    34,655   3,944,412    $18.74        76.4% 
Illinois             84    38,382   4,281,927    $16.44        77.8% 
Pennsylvania         73    28,330   3,143,110    $18.16        72.5% 
Ohio                 67    26,072   3,052,921    $15.00        74.8% 
New York             67    28,166   2,721,082    $23.66        79.7% 
Michigan             60    19,832   2,330,008    $16.09        78.0% 
Georgia              55    21,768   2,739,492    $16.38        75.5% 
Arizona              49    23,789   3,006,228    $15.96        73.8% 
Wisconsin            44    17,071   2,048,296    $14.08        74.9% 
North Carolina       42    17,384   2,070,876    $15.53        74.1% 
Washington           38    13,912   1,590,030    $17.03        73.5% 
Missouri             38    14,022   1,815,644    $14.31        71.0% 
Tennessee            37    15,073   1,628,491    $15.09        83.6% 
Ontario              33    12,518   1,410,384    $23.33        70.2% 
New Jersey           33    16,165   1,517,032    $20.87        84.5% 
Indiana              33    10,576   1,183,758    $14.28        82.3% 
Minnesota            33    13,725   1,694,678    $13.58        76.1% 
Massachusetts        32    11,231   1,150,060    $20.85        79.6% 
 
Top 20 Totals     1,096   433,325  49,386,390    $17.29        76.2% 
 
All Others          500   184,812  21,780,368    $16.74        76.6% 
 
2Q 2026 Totals    1,596   618,137  71,166,758    $17.12        76.3% 
 
Same Store 2Q26     903   320,815  30,897,753    $17.88        90.5% 
Same Store 2Q25     903   337,446  30,894,328    $17.20        94.0% 
Same Store 2Q24     903   339,342  30,836,508    $16.58        94.3% 
 
Non-Same Store 
 2Q26               693   297,322  40,269,004    $16.28        65.2% 
Non-Same Store 
 2Q25               601   268,718  33,604,664    $16.16        68.8% 
Non-Same Store 
 2Q24               538   237,766  27,634,059    $15.95        73.0% 
 
Same Store 
Pool Held 
Constant for 
Prior Periods 
Same Store 2Q26     903   320,815  30,897,753    $17.88        90.5% 
Same Store 2Q25     893   319,259  29,403,609    $17.20        94.1% 
Same Store 2Q24     841   280,943  25,979,561    $16.55        95.0% 
 
Non-Same Store 
 2Q26               693   297,322  40,269,004    $16.28        65.2% 
Non-Same Store 
 2Q25               611   286,905  35,095,383    $16.22        69.9% 
Non-Same Store 
 2Q24               602   295,463  32,422,073    $16.10        75.8% 
 
Note: Store Count, Units, and NRSF figures reflect active storage 
locations for the last month of the reporting quarter. 
Occupancy % reflects average occupancy during the reporting quarter. 
Revenue per foot is average revenue per occupied foot over the 
trailing twelve months ending September 2025. 
Same store includes storage locations with rentable storage 
inventory for more than three years and a capacity 
change of less than twenty units for any year-over-year period of 
the reporting month. 
The locations have occupancy each month during the last three years 
and have achieved 80% or greater occupancy for the last two years 
Prior year Same Store figures are for locations meeting the Same 
Store criteria as of the prior year reporting month. 
 
 
 
          U-HAUL HOLDING COMPANY AND CONSOLIDATED SUBSIDIARIES 
                  CONDENSED CONSOLIDATED BALANCE SHEETS 
 
                                             September 30,    March 31, 
                                                 2025           2025 
                                             -------------   ----------- 
                                                     (Unaudited) 
                                                   (In thousands) 
ASSETS 
Cash and cash equivalents                   $    1,082,820  $    988,828 
Trade receivables and reinsurance 
 recoverables, net                                 175,634       230,716 
Inventories and parts                              176,138       163,132 
Prepaid expenses                                   316,220       282,406 
Fixed maturity securities 
 available-for-sale, net, at fair value          2,494,429     2,479,498 
Equity securities, at fair value                    62,972        65,549 
Investments, other                                 679,472       678,254 
Deferred policy acquisition costs, net             119,117       121,729 
Other assets                                       139,617       126,732 
Right of use assets - financing, net                62,636       138,698 
Right of use assets - operating, net                41,812        46,025 
Related party assets                                46,612        45,003 
 
Property, plant and equipment, at cost: 
   Land                                          1,846,211     1,812,820 
   Buildings and improvements                   10,095,592     9,628,271 
   Furniture and equipment                       1,061,416     1,047,414 
   Rental trailers and other rental 
    equipment                                    1,132,107     1,046,135 
   Rental trucks                                 8,272,598     7,470,039 
                                             -------------   ----------- 
                                                22,407,924    21,004,679 
Less: Accumulated depreciation                 (6,376,984)   (5,892,079) 
                                             -------------   ----------- 
   Total property, plant and equipment, 
    net                                         16,030,940    15,112,600 
                                             -------------   ----------- 
Total assets                                $   21,428,419  $ 20,479,170 
                                             =============   =========== 
LIABILITIES AND STOCKHOLDERS' EQUITY 
Liabilities: 
   Accounts payable and accrued expenses    $      869,740  $    820,900 
   Notes, loans and finance leases 
    payable, net                                 7,694,640     7,193,857 
   Operating lease liabilities                      42,613        46,973 
   Policy benefits and losses, claims and 
    loss expenses payable                          900,302       857,521 
   Liabilities from investment contracts         2,518,603     2,511,422 
   Other policyholders' funds and 
    liabilities                                      5,923         7,539 
   Deferred income                                  55,847        52,895 
   Deferred income taxes, net                    1,572,864     1,489,920 
                                             -------------   ----------- 
Total liabilities                               13,660,532    12,981,027 
                                             -------------   ----------- 
 
Common stock                                        10,497        10,497 
Non-voting common stock                                176           176 
Additional paid-in capital                         462,548       462,548 
Accumulated other comprehensive loss             (189,804)     (229,314) 
Retained earnings                                8,162,120     7,931,886 
Cost of common stock in treasury, net            (525,653)     (525,653) 
Cost of preferred stock in treasury, net         (151,997)     (151,997) 
                                             -------------   ----------- 
Total stockholders' equity                       7,767,887     7,498,143 
                                             -------------   ----------- 
Total liabilities and stockholders' equity  $   21,428,419  $ 20,479,170 
                                             =============   =========== 
 
 
 
           U-HAUL HOLDING COMPANY AND CONSOLIDATED SUBSIDIARIES 
              CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS 
 
                                    Quarter Ended September 30, 
                         ------------------------------------------------- 
                                 2025                        2024 
                         ---------------------      ---------------------- 
                                            (Unaudited) 
                          (In thousands, except share and per share data) 
Revenues: 
   Self-moving 
    equipment rental 
    revenues            $            1,110,477   $               1,087,348 
   Self-storage 
    revenues                           246,299                     224,519 
   Self-moving and 
    self-storage 
    products and 
    service sales                       89,829                      87,763 
   Property management 
    fees                                 9,621                       9,586 
   Life insurance 
    premiums                            18,370                      20,488 
   Property and 
    casualty insurance 
    premiums                            28,272                      25,767 
   Net investment and 
    interest income                     40,022                      37,794 
   Other revenue                       177,032                     164,843 
                         ---------------------      ---------------------- 
      Total revenues                 1,719,922                   1,658,108 
                         ---------------------      ---------------------- 
 
Costs and expenses: 
   Operating expenses                  909,542                     891,073 
   Commission expenses                 121,811                     119,008 
   Cost of product 
    sales                               67,625                      62,250 
   Benefits and losses                  48,178                      44,392 
   Amortization of 
    deferred policy 
    acquisition costs                    4,962                       4,439 
   Lease expense                         5,071                       4,729 
   Depreciation, net 
    of (gains) losses 
    on disposals                       340,608                     227,270 
   Net (gains) losses 
    on disposal of 
    real estate                          4,531                       2,991 
                         ---------------------      ---------------------- 
      Total costs and 
       expenses                      1,502,328                   1,356,152 
                         ---------------------      ---------------------- 
 
Earnings from 
 operations                            217,594                     301,956 
   Other components of 
    net periodic 
    benefit costs                        (345)                       (372) 
   Other interest 
    income                              10,015                      16,131 
   Interest expense                   (90,305)                    (71,498) 
                         ---------------------      ---------------------- 
Pretax earnings                        136,959                     246,217 
   Income tax expense                 (31,409)                    (59,419) 
                         ---------------------      ---------------------- 
Earnings available to 
 common stockholders    $              105,550   $                 186,798 
                         =====================      ====================== 
Basic and diluted 
 earnings per share of 
 Common Stock           $                 0.49   $                    0.91 
Weighted average 
 shares outstanding of 
 Common Stock: Basic 
 and diluted                        19,607,788                  19,607,788 
Basic and diluted 
 earnings per share of 
 Series N Non-Voting 
 Common Stock           $                 0.54   $                    0.96 
Weighted average 
 shares outstanding of 
 Series N Non-Voting 
 Common Stock: Basic 
 and diluted                       176,470,092                 176,470,092 
 
 
 
             U-HAUL HOLDING COMPANY AND CONSOLIDATED ENTITIES 
              CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS 
 
                                  Six Months Ended September 30, 
                         ------------------------------------------------- 
                                 2025                        2024 
                         ---------------------      ---------------------- 
                                            (Unaudited) 
                          (In thousands, except share and per share data) 
Revenues: 
   Self-moving 
    equipment rental 
    revenues            $            2,168,750   $               2,101,680 
   Self-storage 
    revenues                           480,536                     440,256 
   Self-moving and 
    self-storage 
    products and 
    service sales                      188,017                     184,354 
   Property management 
    fees                                19,203                      19,081 
   Life insurance 
    premiums                            37,539                      41,228 
   Property and 
    casualty insurance 
    premiums                            50,010                      46,996 
   Net investment and 
    interest income                     75,233                      74,919 
   Other revenue                       331,104                     298,084 
                         ---------------------      ---------------------- 
      Total revenues                 3,350,392                   3,206,598 
                         ---------------------      ---------------------- 
 
Costs and expenses: 
   Operating expenses                1,736,291                   1,680,830 
   Commission expenses                 238,548                     231,579 
   Cost of product 
    sales                              139,830                     128,264 
   Benefits and losses                  93,360                      88,398 
   Amortization of 
    deferred policy 
    acquisition costs                    9,879                       9,085 
   Lease expense                         9,945                      10,334 
   Depreciation, net 
    of (gains) losses 
    on disposals                       644,617                     443,815 
   Net (gains) losses 
    on disposal of 
    real estate                          2,914                       6,095 
                         ---------------------      ---------------------- 
      Total costs and 
       expenses                      2,875,384                   2,598,400 
                         ---------------------      ---------------------- 
 
Earnings from 
 operations                            475,008                     608,198 
   Other components of 
    net periodic 
    benefit costs                        (691)                       (744) 
   Other interest 
    income                              20,684                      34,366 
   Interest expense                  (172,635)                   (138,716) 
   Fees on early 
    extinguishment of 
    debt                                  (26)                       (495) 
                         ---------------------      ---------------------- 
Pretax earnings                        322,340                     502,609 
   Income tax expense                 (74,459)                   (120,394) 
                         ---------------------      ---------------------- 
Earnings available to 
 common stockholders    $              247,881   $                 382,215 
                         =====================      ====================== 
Basic and diluted 
 earnings per share of 
 Common Stock           $                 1.17   $                    1.86 
Weighted average 
 shares outstanding of 
 Common Stock: Basic 
 and diluted                        19,607,788                  19,607,788 
Basic and diluted 
 earnings per share of 
 Series N Non-Voting 
 Common Stock           $                 1.27   $                    1.96 
Weighted average 
 shares outstanding of 
 Series N Non-Voting 
 Common Stock: Basic 
 and diluted                       176,470,092                 176,470,092 
 
 

EARNINGS PER SHARE

We calculate earnings per share using the two-class method in accordance with Accounting Standards Codification Topic 260, Earnings Per Share. The two-class method allocates the undistributed earnings available to common stockholders to the Company's outstanding common stock, $0.25 par value (the "Voting Common Stock") and the Series N Non-Voting Common Stock, $0.001 par value (the "Non-Voting Common Stock") based on each share's percentage of total weighted average shares outstanding. The Voting Common Stock and Non-Voting Common Stock are allocated 10% and 90%, respectively, of our undistributed earnings available to common stockholders. This represents earnings available to common stockholders less than the dividends declared for both the Voting Common Stock and Non-Voting Common Stock.

Our undistributed earnings per share were calculated by taking the undistributed earnings available to common stockholders and dividing this number by the weighted average shares outstanding for the respective stock. If there was a dividend declared for that period, the dividend per share was added to the undistributed earnings per share to calculate the basic and diluted earnings per share. The process was used for both Voting Common Stock and Non-Voting Common Stock.

The calculation of basic and diluted earnings per share for the quarters ended September 30, 2025 and 2024 for our Voting Common Stock and Non-Voting Common Stock were as follows:

 
                                       For the Quarter Ended 
                         ------------------------------------------------- 
                                           September 30, 
                         ------------------------------------------------- 
                                 2025                        2024 
                         ---------------------  ---  --------------------- 
                                            (Unaudited) 
                             (In thousands, except share and per share 
                                             amounts) 
 
Weighted average 
 shares outstanding of 
 Voting Common Stock                19,607,788                  19,607,788 
Total weighted average 
 shares outstanding 
 for Voting Common 
 Stock and Non-Voting 
 Common Stock                      196,077,880                 196,077,880 
Percent of weighted 
 average shares 
 outstanding of Voting 
 Common Stock                              10%                         10% 
 
Net earnings available 
 to common 
 stockholders           $              105,550   $                 186,798 
Voting Common Stock 
dividends declared                           -                           - 
Non-Voting Common 
 Stock dividends 
 declared                              (8,823)                     (8,823) 
                         ---------------------       --------------------- 
Undistributed earnings 
 available to common 
 stockholders           $               96,727   $                 177,975 
                         ---------------------       --------------------- 
Undistributed earnings 
 available to common 
 stockholders 
 allocated to Voting 
 Common Stock           $                9,673   $                  17,798 
 
Undistributed earnings 
 per share of Voting 
 Common Stock           $                 0.49   $                    0.91 
Dividends declared per 
share of Voting Common 
Stock                   $                    -   $                       - 
                         ---------------------       --------------------- 
Basic and diluted 
 earnings per share of 
 Voting Common Stock    $                 0.49   $                    0.91 
                         ---------------------       --------------------- 
 
 
Weighted average 
 shares outstanding of 
 Non-Voting Common 
 Stock                             176,470,092                 176,470,092 
Total weighted average 
 shares outstanding 
 for Voting Common 
 Stock and Non-Voting 
 Common Stock                      196,077,880                 196,077,880 
Percent of weighted 
 average shares 
 outstanding of 
 Non-Voting Common 
 Stock                                     90%                         90% 
 
Net earnings available 
 to common 
 stockholders           $              105,550   $                 186,798 
Voting Common Stock 
dividends declared                           -                           - 
Non-Voting Common 
 Stock dividends 
 declared                              (8,823)                     (8,823) 
                         ---------------------       --------------------- 
Undistributed earnings 
 available to common 
 stockholders           $               96,727   $                 177,975 
                         ---------------------       --------------------- 
Undistributed earnings 
 available to common 
 stockholders 
 allocated to 
 Non-Voting Common 
 Stock                  $               87,054   $                 160,178 
 
Undistributed earnings 
 per share of 
 Non-Voting Common 
 Stock                  $                 0.49   $                    0.91 
Dividends declared per 
 share of Non-Voting 
 Common Stock           $                 0.05   $                    0.05 
                         ---------------------       --------------------- 
Basic and diluted 
 earnings per share of 
 Non-Voting Common 
 Stock                  $                 0.54   $                    0.96 
                         ---------------------       --------------------- 
 

The calculation of basic and diluted earnings per share for the first six months ended September 30, 2025 and 2024 for our Voting Common Stock and Non-Voting Common Stock were as follows:

 
                                     For the Six Months Ended 
                         ------------------------------------------------- 
                                           September 30, 
                         ------------------------------------------------- 
                                 2025                        2024 
                         ---------------------  ---  --------------------- 
                                            (Unaudited) 
                             (In thousands, except share and per share 
                                             amounts) 
 
Weighted average 
 shares outstanding of 
 Voting Common Stock                19,607,788                  19,607,788 
Total weighted average 
 shares outstanding 
 for Voting Common 
 Stock and Non-Voting 
 Common Stock                      196,077,880                 196,077,880 
Percent of weighted 
 average shares 
 outstanding of Voting 
 Common Stock                              10%                         10% 
 
Net earnings available 
 to common 
 stockholders           $              247,881   $                 382,215 
Voting Common Stock 
dividends declared                           -                           - 
Non-Voting Common 
 Stock dividends 
 declared                             (17,647)                    (17,647) 
                         ---------------------       --------------------- 
Undistributed earnings 
 available to common 
 stockholders           $              230,234   $                 364,568 
                         ---------------------       --------------------- 
Undistributed earnings 
 available to common 
 stockholders 
 allocated to Voting 
 Common Stock           $               23,023   $                  36,457 
 
Undistributed earnings 
 per share of Voting 
 Common Stock           $                 1.17   $                    1.86 
Dividends declared per 
share of Voting Common 
Stock                   $                    -   $                       - 
                         ---------------------       --------------------- 
Basic and diluted 
 earnings per share of 
 Voting Common Stock    $                 1.17   $                    1.86 
                         ---------------------       --------------------- 
 
 
Weighted average 
 shares outstanding of 
 Non-Voting Common 
 Stock                             176,470,092                 176,470,092 
Total weighted average 
 shares outstanding 
 for Voting Common 
 Stock and Non-Voting 
 Common Stock                      196,077,880                 196,077,880 
Percent of weighted 
 average shares 
 outstanding of 
 Non-Voting Common 
 Stock                                     90%                         90% 
 
Net earnings available 
 to common 
 stockholders           $              247,881   $                 382,215 
Voting Common Stock 
dividends declared                           -                           - 
Non-Voting Common 
 Stock dividends 
 declared                             (17,647)                    (17,647) 
                         ---------------------       --------------------- 
Undistributed earnings 
 available to common 
 stockholders           $              230,234   $                 364,568 
                         ---------------------       --------------------- 
Undistributed earnings 
 available to common 
 stockholders 
 allocated to 
 Non-Voting Common 
 Stock                  $              207,211   $                 328,111 
 
Undistributed earnings 
 per share of 
 Non-Voting Common 
 Stock                  $                 1.17   $                    1.86 
Dividends declared per 
 share of Non-Voting 
 Common Stock           $                 0.10   $                    0.10 
                         ---------------------       --------------------- 
Basic and diluted 
 earnings per share of 
 Non-Voting Common 
 Stock                  $                 1.27   $                    1.96 
                         ---------------------       --------------------- 
 

NON-GAAP FINANCIAL RECONCILIATION SCHEDULE

As of April 1, 2019, we adopted the new accounting standard for leases. Part of this adoption resulted in approximately $1 billion of property, plant and equipment, net ("PPE") being reclassed to Right of use assets - financing, net ("ROU-financing"). The tables below show adjusted PPE as of September 30, 2025 and March 31, 2025, by including the ROU-financing. The assets included in ROU-financing are not a true book value as some of the assets are recorded at between 70% and 100% of value based on the lease agreement. This non-GAAP measure is intended as a supplemental measure of our balance sheet that is neither required by, nor presented in accordance with, GAAP. We believe that the use of this non-GAAP measure provides an additional tool for investors to use in evaluating our financial condition. This non-GAAP measure should not be considered in isolation or as a substitute for other measures calculated in accordance with GAAP.

 
                                              September 
                                                 30,        March 31, 
                                                2025          2025 
                                             -----------   ----------- 
                                              Property,     Property, 
                    September       ROU       Plant and     Plant and 
                       30,        Assets      Equipment     Equipment 
                      2025       Financing    Adjusted      Adjusted 
                   -----------   ---------   -----------   ----------- 
                                       (Unaudited) 
                                     (In thousands) 
 
Property, plant 
 and equipment, 
 at cost 
   Land           $  1,846,211  $        -  $  1,846,211  $  1,812,820 
   Buildings and 
    improvements    10,095,592           -    10,095,592     9,628,271 
   Furniture and 
    equipment        1,061,416          61     1,061,477     1,047,475 
   Rental 
    trailers and 
    other rental 
    equipment        1,132,107      24,343     1,156,450     1,104,206 
   Rental trucks     8,272,598     149,219     8,421,817     7,779,514 
                   -----------   ---------   -----------   ----------- 
      Subtotal      22,407,924     173,623    22,581,547    21,372,286 
   Less: 
    Accumulated 
    depreciation   (6,376,984)   (110,987)   (6,487,971)   (6,120,988) 
                   -----------   ---------   -----------   ----------- 
      Total 
       property, 
       plant and 
       equipment 
       , net      $ 16,030,940  $   62,636  $ 16,093,576  $ 15,251,298 
                   ===========   =========   ===========   =========== 
 
 
 
                                                      March 31, 
                                                        2025 
                                                 ------------------- 
                                                 Property, Plant and 
                       March 31,    ROU Assets        Equipment 
                         2025       Financing         Adjusted 
                      -----------   ----------   ------------------- 
                                       (Unaudited) 
                                      (In thousands) 
Property, plant and 
 equipment, at 
 cost 
   Land              $  1,812,820  $         -  $          1,812,820 
   Buildings and 
    improvements        9,628,271            -             9,628,271 
   Furniture and 
    equipment           1,047,414           61             1,047,475 
   Rental trailers 
    and other 
    rental 
    equipment           1,046,135       58,071             1,104,206 
   Rental trucks        7,470,039      309,475             7,779,514 
                      -----------   ----------   ------------------- 
      Subtotal         21,004,679      367,607            21,372,286 
   Less: 
    Accumulated 
    depreciation      (5,892,079)    (228,909)           (6,120,988) 
                      -----------   ----------   ------------------- 
      Total 
       property, 
       plant and 
       equipment, 
       net           $ 15,112,600  $   138,698  $         15,251,298 
                      ===========   ==========   =================== 
 

Non-GAAP Financial Measures

Below is a reconciliation of Moving and Storage non-GAAP financial measures as defined under SEC rules, such as earnings before interest, taxes, depreciation, and amortization ("EBITDA"). The Company believes that these widely accepted measures of operating profitability supplement the transparency of the Company's disclosures and provides a meaningful presentation of the Company's results from its core business operations excluding the impact of items not related to the Company's ongoing core business operations and supplements the period-to-period comparability of the Company's results from its core business operations. These non-GAAP financial measures are not substitutes for GAAP financial results and should only be considered in conjunction with the Company's financial information that is presented in accordance with GAAP. The non-GAAP measure reported is adjusted EBITDA. The table below presents the reconciliation of the trailing twelve months adjusted EBITDA measures to its most directly comparable GAAP measures.

 
Moving and 
 Storage EBITDA 
 Calculations 
                  ---------   ---------   ---------   ---------   --------- 
(In thousands, 
unaudited)                         Trailing Twelve Months 
                  --------------------------------------------------------- 
                  September                           December    September 
                     30,      June 30,    March 31,      31,         30, 
                    2025        2025        2025        2024        2024 
                  ---------   ---------   ---------   ---------   --------- 
 
Net earnings 
 available to 
 common 
 stockholders    $  232,756  $  314,004  $  367,090  $  448,518  $  480,576 
Income tax 
 expense             48,448      76,156      94,747     137,940     148,743 
Fees on early 
 extinguishment 
 of debt and 
 costs of 
 defeasance              26          26         495         495         495 
Interest 
 expense            330,192     311,609     296,721     280,487     271,359 
Other interest 
 income            (45,759)    (51,899)    (59,489)    (87,303)    (99,292) 
Other 
 components of 
 net periodic 
 benefit costs        1,435       1,462       1,488       1,480       1,473 
Net (gains) 
 losses on 
 disposal of 
 real estate         12,577      11,037      15,758      12,047      11,273 
Depreciation, 
 net of (gains) 
 losses on 
 disposals        1,158,986   1,045,648     958,184     888,253     815,810 
Elimination of 
 net earnings 
 from insurance 
 subsidiaries      (56,761)    (57,766)    (55,280)    (67,771)    (64,041) 
                  ---------   ---------   ---------   ---------   --------- 
   Adjusted 
    EBITDA       $1,681,900  $1,650,277  $1,619,714  $1,614,146  $1,566,396 
 

The table below presents the reconciliation of the second quarter adjusted EBITDA measures to its most directly comparable GAAP measures.

 
Moving and Storage EBITDA Calculations 
                                           -------------   ------------- 
(In thousands, unaudited)                         Quarters Ended 
                                           ----------------------------- 
                                           September 30,   September 30, 
                                               2025            2024 
                                           -------------   ------------- 
 
Net earnings available to common 
 stockholders                             $      105,550  $      186,798 
Income tax expense                                27,324          55,032 
Fees on early extinguishment of debt and 
costs of defeasance                                    -               - 
Interest expense                                  90,333          71,750 
Other interest income                           (10,111)        (16,251) 
Other components of net periodic benefit 
 costs                                               345             372 
Net (gains) losses on disposal of real 
 estate                                            4,531           2,991 
Depreciation, net of (gains) losses on 
 disposals                                       340,608         227,270 
Elimination of net earnings from 
 insurance subsidiaries                         (16,001)        (17,006) 
                                           -------------   ------------- 
   Adjusted EBITDA                        $      542,579  $      510,956 
 

View source version on businesswire.com: https://www.businesswire.com/news/home/20251105236457/en/

 
    CONTACT:    Sebastien Reyes 

Director of Investor Relations

U-Haul Holding Company

(602) 263-6601

Sebastien_Reyes@uhaul.com

 
 

(END) Dow Jones Newswires

November 05, 2025 16:43 ET (21:43 GMT)

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