U-Haul Holding Company (UHAL) — Cash Flow Quality Index
U-Haul Holding Company (UHAL) has a Cash Flow Quality Index of 5.70x as of September 2025. Operating cash flow of $551.62 Million exceeds net income of $96.73 Million, indicating high earnings quality where cash backs reported profits. Explore UHAL cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
U-Haul Holding Company Cash Flow Quality Index (1994–2025)
Historical Cash Flow Quality Index for U-Haul Holding Company across 30 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see UHAL operating cash flow.
Annual Cash Flow Quality Index for U-Haul Holding Company (1994–2025)
Year-by-year earnings quality comparison for U-Haul Holding Company.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 4.38x | $1.45 Billion | $331.80 Million | ▲ +80.1% |
| 2024 | 2.43x | $1.45 Billion | $596.94 Million | ▲ +29.9% |
| 2023 | 1.87x | $1.73 Billion | $923.00 Million | ▲ +8.2% |
| 2022 | 1.73x | $1.95 Billion | $1.12 Billion | ▼ -31.1% |
| 2021 | 2.51x | $1.54 Billion | $610.86 Million | ▲ +3.3% |
| 2020 | 2.43x | $1.08 Billion | $442.05 Million | ▼ -7.5% |
| 2019 | 2.63x | $975.58 Million | $370.86 Million | ▲ +122.1% |
| 2018 | 1.18x | $936.33 Million | $790.58 Million | ▼ -53.7% |
| 2017 | 2.56x | $1.02 Billion | $398.42 Million | ▲ +20.3% |
| 2016 | 2.13x | $1.04 Billion | $489.00 Million | ▼ -6.0% |
| 2015 | 2.27x | $808.19 Million | $356.74 Million | ▲ +9.3% |
| 2014 | 2.07x | $709.50 Million | $342.39 Million | ▼ -17.1% |
| 2013 | 2.50x | $661.53 Million | $264.71 Million | ▼ -22.8% |
| 2012 | 3.24x | $664.61 Million | $205.37 Million | ▲ +3.7% |
| 2011 | 3.12x | $572.79 Million | $183.57 Million | ▼ -48.8% |
| 2010 | 6.09x | $399.87 Million | $65.62 Million | ▼ -70.3% |
| 2009 | 20.50x | $274.96 Million | $13.41 Million | ▲ +322.1% |
| 2008 | 4.86x | $329.29 Million | $67.78 Million | ▲ +25.4% |
| 2007 | 3.87x | $350.72 Million | $90.55 Million | ▲ +73.5% |
| 2006 | 2.23x | $270.51 Million | $121.15 Million | ▼ -9.5% |
| 2005 | 2.47x | $220.72 Million | $89.42 Million | ▼ -94.9% |
| 2002 | 47.96x | $130.49 Million | $2.72 Million | ▲ +393.3% |
| 2001 | 9.72x | $126.05 Million | $12.96 Million | ▲ +167.9% |
| 2000 | 3.63x | $237.66 Million | $65.49 Million | ▲ +42.2% |
| 1999 | 2.55x | $159.55 Million | $62.51 Million | ▼ -44.2% |
| 1998 | 4.57x | $159.90 Million | $34.98 Million | ▲ +26.0% |
| 1997 | 3.63x | $188.18 Million | $51.87 Million | ▲ +44.3% |
| 1996 | 2.52x | $151.90 Million | $60.39 Million | ▼ -35.6% |
| 1995 | 3.90x | $234.40 Million | $60.03 Million | ▼ -22.4% |
| 1994 | 5.03x | $202.32 Million | $40.18 Million | — |