What is the current debt profile and any upcoming debt maturities that could affect liquidity? | UHAL (Aug 06, 2025) | Candlesense

What is the current debt profile and any upcoming debt maturities that could affect liquidity?

Answer

The press‑release you quoted from Business Wire only provides the first‑quarter earnings results for U‑Haul Holding Company (UHAL) and does not contain any details about the company’s current debt profile, outstanding maturities, or related liquidity considerations.

Because the release does not disclose:

  • the total amount of senior or subordinated debt outstanding,
  • the mix of fixed‑rate vs. floating‑rate borrowings,
  • the maturity schedule (e.g., which notes or term loans come due in 2025, 2026, 2027, etc.),
  • any revolving credit facilities, covenant status, or upcoming refinancing plans,

we cannot answer the question directly from the information provided in the news article.


How to Obtain the Debt‑Maturity Information

  1. SEC Filings (10‑Q / 10‑K)

    • Form 10‑Q for the quarter ending June 30 2025 (filed shortly after the press release) will contain a “Liquidity and Capital Resources” section that lists all outstanding debt, interest‑rate terms, and the scheduled amortization/repayment dates.
    • Form 10‑K for the most recent fiscal year will provide a comparable table for the full‑year debt schedule and any long‑term debt issuances or repayments that occurred during the year.
  2. Investor Presentation / Debt‑Maturity Table

    • U‑Haul often includes a Debt Maturity Schedule slide in its quarterly earnings webcast deck or in the “Capital Structure” slide of its annual investor presentation. This table typically shows each debt instrument (e.g., senior unsecured notes, term loans, revolving credit) with principal amount, coupon, maturity date, and any optional redemption features.
  3. Press Releases on Debt Issuances or Refinancings

    • If the company has recently issued new senior notes, entered a revolving credit facility, or announced a refinancing, those details are usually disclosed in a separate press release (e.g., “U‑Haul Holding Company Completes $500 million Senior Note Issuance”).
  4. Credit Rating Agency Reports

    • Moody’s, S&P, or Fitch publish rating reports that often summarize the “Outstanding Debt” and “Maturity Profile” for rated issuers. These reports can be accessed via the agencies’ websites or through the company’s investor‑relations portal.
  5. Direct Contact with Investor Relations

    • For the most up‑to‑date maturity schedule, you can request the latest Debt Maturity Table from U‑Haul’s Investor Relations team (email or phone listed on the IR page of the company’s website).

Typical Elements to Review Once the Data is Acquired

Debt Category Principal (USD) Coupon Fixed/Float Maturity Key Liquidity Considerations
Senior Unsecured Notes – – Fixed Staggered (2026‑2035) Large balloon maturities may require refinancing; watch for covenant‑linked cash‑flow tests.
Term Loan (Bank) – – Fixed/Float 2027‑2029 Often includes amortization schedule; may have optional pre‑payment rights.
Revolving Credit Facility – – Variable Expiration 2025‑2026 (subject to renewal) Provides short‑term liquidity; renewal risk if covenant breaches.
Subordinated Debt / Convertible Notes – – Fixed 2028‑2032 Convertible features can affect dilution; may be callable.

When you obtain the actual numbers, focus on:

  • Near‑term maturities (2025‑2026): Any principal that must be repaid within the next 12‑24 months could pressure cash flow if the company must refinance in a higher‑interest‑rate environment.
  • Amortization vs. bullet payments: Bullet‑style maturities create a larger cash‑outflow at a single point in time, whereas amortizing debt spreads repayments.
  • Covenant compliance: Review the interest‑coverage and EBITDA‑coverage ratios that the company must meet; a breach could trigger early repayment or higher‑cost refinancing.
  • Liquidity buffers: Compare the total debt‑service obligations (principal + interest) against the company’s operating cash flow and any available revolving‑credit capacity.

Bottom Line

  • The current press release does not disclose the debt profile or upcoming maturities.
  • To assess potential liquidity impacts, you’ll need to review U‑Haul’s latest SEC filings (10‑Q/10‑K), investor presentations, or directly request the debt‑maturity table from Investor Relations.
  • Once you have that schedule, you can evaluate whether any sizable repayments or refinancing needs are looming in the near term and how they might affect the company’s cash‑flow and liquidity position.

Other Questions About This News

Given the earnings decline, what impact might this have on dividend policy or share buyback plans? How does the company’s valuation metrics (P/E, EV/EBITDA, payout ratio) look after the earnings release? What is the market’s reaction to the earnings release and how does it compare to the historical volatility of UHAL stock? How did revenue and same‑store sales performance compare to consensus estimates for the quarter? How did the earnings per share for the voting stock (UHAL) compare to the non‑voting shares (UHAL.B) and historical trends? How did the company’s operating cash flow and free cash flow perform relative to prior periods? What were the primary drivers behind the 27% decline in net earnings year‑over‑year? How did the Q1 results compare with major competitors such as Penske, Enterprise, and other moving‑and‑storage businesses? What were the trends in key operating metrics such as truck utilization, rental rates, and average revenue per unit? Are there any regulatory or legal matters disclosed that could affect future earnings? What were the impacts of macro‑economic factors (e.g., fuel prices, labor costs, inflation) on the results? Did the company disclose any changes in the insurance or real‑estate subsidiaries that could affect overall earnings? Did the company report any significant changes in capital expenditures or investment in new assets? Did the company provide any guidance for FY 2026 earnings, revenue, or EPS?