U-Haul Holding Company (UHAL) Options Positioning, Max Pain & Unusual Sweeps

Per the Roarable RQD rating, UHAL scores 31 out of 100, graded E, with the verdict "Roarable Strong Sell — Forensic Risk / Avoid." The five pillars are: Fundamental Cash Engine at 7/20 (ROIC 5.1%; FCF yield -12.31%), Whale 13F Flow at 5/20 (institutional accumulation and options positioning), Insider Conviction at 4/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 5/20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 10/20 (Altman Z 1.1; Piotroski F 4/9; Debt/Equity 0.5). Every pillar sits below half of its maximum, so the rating's weakest links are cash generation and the flow signals, with the balance sheet scoring highest yet still classified as forensically weak. For a prospective investor, the implication is that the current price of $56.8 is being evaluated against negative free-cash-flow yield and a low Altman Z reading, while a P/E (TTM) of 132.8 implies the market is pricing earnings far above what the reported EPS (TTM) of 0.43 would support on a simple basis. Upside drivers cited in the source are limited to the 2.99% daily change and the stock's position within its 52-week range; no catalysts are provided. Valuation tradeoffs center on EV/EBITDA of 3.2 appearing inexpensive on enterprise-value terms while the equity-level multiples and FCF yield point the other way, a divergence an investor would need to reconcile.

Per the profile section, U-Haul Holding Company is a NYSE-listed issuer in the Consumer Discretionary sector, operating within the Rental/Leasing Companies industry. Not available in source data for product detail, customer base, or revenue-generation mechanics beyond the sector and industry classification. The source reports a market capitalization of $11.0B.

Per the SEC financials, net income declined from $628.7M in FY 2023 to $83.1M in FY 2025 while revenue rose from $714.4M to $761.5M, and operating income compressed from $977.8M to $432.6M. Per the market data section, gross margin is 67.6%, operating margin 56.8%, and net margin 10.9%, with ROIC at 5.1%. Per the Roarable RQD rating, the Altman Z-Score is 1.1 and the Piotroski F-Score is 4/9, with Debt/Equity at 0.5. Reported free cash flow was negative in both FY 2025 and FY 2024, and the source's FCF yield of -12.31% is consistent with that trend.

Per the Butterfly Supply-Chain Graph, the supply_chain field is NONE, with no butterfly links and no proprietary signals recorded. Not available in source data for upstream or downstream dependencies, sector correlations, or 2nd-order bottlenecks.

• What drives the gap between reported net income of $83.1M and an EPS (TTM) of 0.43 against a P/E (TTM) of 132.8, and how are share counts and per-share figures reconciled?
• Why are EPS and total debt reported as N/A across all periods, and what is the actual debt load behind the Debt/Equity figure of 0.5?
• What explains the negative FCF in FY 2024 and FY 2025 despite positive net income, and how much of that is capital expenditure or fleet investment?
• What are the terms, scale, and recent direction of the institutional (13F) and insider (Form 4) positioning that the RQD pillars reference, given that the holders section is empty?
• What specific forensic factors produce the Altman Z-Score of 1.1 and the Piotroski F-Score of 4/9 given the balance-sheet data supplied?